Send money from Ghana to Canada
For senders in Accra and Kumasi, the Toronto side matters most. Canada takes in tens of thousands of new permanent residents from Africa every year, and most of them need money from home in their first months. From Accra, that means GHS turned into Canadian dollars at a rate you can see, landing in Toronto the same day.
GHS
CAD
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The Ghana to Canada corridor, explained
From Kumasi to Toronto. Canada takes in tens of thousands of new permanent residents from Africa every year, and most of them need money from home in their first months.
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. Grey then shows the GHS to CAD rate and fee as two separate numbers and delivers to RBC or any other bank in Canada. The recipient doesn't need Grey.
How sending to Canada works
Sign up
You'll need a Ghana Card and about five minutes. Once verified, Canada is one of 80+ destinations you can add. Grey works with licensed partners in Ghana.
Fund
Top up: cedis in by bank transfer from any Ghanaian bank or mobile money, CAD out to Toronto. The top-up usually clears in minutes.
Send
Canada gives you a choice: Interac to the recipient's email or phone, or a bank transfer to their transit, institution and account number. Either way the CAD amount is fixed first.
What a transfer to Canada actually costs
Grey prices the transfer once, in Accra. You see the rate, you see the fee, and the CAD amount that lands at RBC is the one you agreed to.
No re-pricing after you tap send
Rate fixed at confirmation, CAD amount shown before you send, nothing adjusted after. That's the whole promise from Accra to Toronto.
On a route where the destination currency moves, it's the reason to use a service at all.
Why this corridor gets overlooked
Bank transfers to Canada clear next business day with an 18:00 Eastern cutoff. Interac e-Transfer is instant, any day. For a student whose rent is due tomorrow, that's the difference. From Kumasi, Grey turns that into a quoted GHS to CAD rate and a CAD deposit at RBC, same as any local transfer.
Your recipient's view in Canada
Delivery is to the bank account, in CAD, as a domestic credit. That covers RBC, TD, Scotiabank, BMO, CIBC and every other bank in Canada. Nothing for the recipient to do, and a settlement record for you in Accra.
Straight to the account
No cash pickup, no agent, no collection code. CAD into the bank.
One recipient, many payments
Save the Toronto recipient once and reuse the details.
Receipts
Download a receipt for each transfer showing rate, fee and CAD delivered.
How Ghanaian senders fund
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. Then Toronto is a conversion and a tap.
From GCB Bank, Ecobank Ghana, Stanbic, Fidelity Bank or MTN MoMo
bank transfer from any Ghanaian bank or mobile money, credited in minutes.
From foreign clients
USD, EUR or GBP paid into Grey converts to CAD in one step.
From GreyTag
Another Grey user in Ghana or abroad can fund you instantly.
If you're covering a monthly obligation in Toronto, a standing balance on Grey means the transfer never waits on a bank in Accra.
Senders from Accra to Toronto
Tuition instalments
Term payments sent to a student's account for onward payment to the institution.
Urgent transfers
Interac e-Transfer lands instantly when something cannot wait a business day.
Parents of students
Rent and living costs for students at U of T, York, Calgary, Alberta, Manitoba and colleges across Ontario.
New permanent residents
Support for family who have landed through Express Entry or PNP and are waiting on a first job.
Canada takes in tens of thousands of new permanent residents from Africa every year, and most of them need money from home in their first months. What they share, from Accra to Calgary, is a payment that repeats and a recipient who needs an exact CAD figure.
What you get on the Canada route
Get digital banking
at your fingertips
