Send money from Ghana to Cameroon
Seen from Accra, the corridor looks like this. Douala is Central Africa's trade gateway, and neighbouring countries move goods and money through it constantly. From Accra, Grey pays XAF straight into a bank account in Cameroon, with the rate and fee shown before you tap send.
GHS
XAF
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Why Accra to Douala needs a proper rate
Ghanaians send abroad for study, trade and family. Accra and Kumasi are the main sending hubs.
On the Douala side, the pattern is different. Douala is Central Africa's trade gateway, and neighbouring countries move goods and money through it constantly. Grey pays Central African CFA francs into any bank in Cameroon, including Afriland First Bank, UBA Cameroon, Ecobank Cameroon, Société Générale Cameroun. You see the exact XAF amount before you confirm, and that's the amount that arrives.
How sending to Cameroon works
Sign up
Verify once with your Ghana Card. From then on, sending to Cameroon or anywhere else is a saved recipient and three taps. Grey works with licensed partners in Ghana.
Fund
Add cedis from GCB Bank, Ecobank Ghana, Stanbic, Fidelity Bank or MTN MoMo. The balance shows in the app straight away, ready to convert to XAF when you need it.
Send
Enter the RIB from an Afriland, UBA or Ecobank Cameroon account. Grey converts GHS to XAF at the quoted rate and pays out.
Where the money goes on Ghana to Cameroon
Grey converts GHS to XAF in one step for senders in Accra, shows the rate and the fee as two separate numbers, and locks both before you confirm. No second conversion, no deduction at Afriland First Bank.
Fixed from Accra to Douala
Grey fixes the GHS to XAF rate at the moment you confirm. The XAF amount doesn't move after that.
When you've calculated exactly what a month in Douala costs from Accra, the number needs to hold.
Why this route is priced badly elsewhere
On this route from Accra, the reason to switch is simple. Formal transfers to Cameroon have historically been so expensive that people carried cash instead. A transparent rate makes the formal route worth using. That's the standard Grey works to for a sender in Accra: GHS to XAF quoted directly, delivered to Afriland First Bank.
The recipient's side in Cameroon
XAF at Afriland First Bank, or any other bank in Cameroon, as a straightforward deposit. The recipient in Douala doesn't see Grey, doesn't need Grey, and isn't charged by Grey. You in Accra see settled in the app.
Any bank in Cameroon
Bank name plus account number. The XAF lands directly.
Saved details
Save a landlord, school or supplier once for repeat transfers.
Payment records
Each transfer is logged with the rate and fee for your own reconciliation.
Where senders to Douala start
Top up in cedis from your bank app, or leave a small standing balance if you send to Douala more than once a month. Ghanaians topping up in cedis can use MTN MoMo or a bank transfer from GCB, Ecobank or Fidelity. Those paid in dollars by foreign clients can skip the cedi step entirely.
bank transfer from any Ghanaian bank or mobile money
The standard route from GCB Bank, Ecobank Ghana, Stanbic, Fidelity Bank or MTN MoMo.
Dollars from abroad
Skip the GHS leg by sending from a USD balance.
Leftover balance
Whatever's on Grey converts to XAF instantly.
Most senders from Accra to Douala settle into a rhythm: top up on payday, convert on the due date, done.
What this route is used for
Family support
Monthly transfers to relatives in Douala, Yaoundé, Bamenda and Buea.
Students
Fees at University of Buea, University of Yaoundé and Catholic University of Central Africa.
Trade
Payments for goods moving through the Douala port and the northern border.
Business
Paying Cameroonian staff, agents and freight partners in XAF.
For senders in Accra and Kumasi, the Douala side matters most. Douala is Central Africa's trade gateway, and neighbouring countries move goods and money through it constantly. From Accra and Kumasi, the senders are a mix of families, students' parents and businesses.
Why Grey for Ghana to Cameroon
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