Send money from Ghana to Cote d'Ivoire
Every month, Ghanaian households and businesses move GHS into CFA francs for someone in Abidjan. Abidjan is francophone West Africa's commercial hub, and African traders and families have been settled there for generations. Grey quotes the rate, fixes it, and pays the bank directly.
GHS
XOF
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Getting XOF to Côte d'Ivoire from Ghana
Seen from Accra. Abidjan is francophone West Africa's commercial hub, and African traders and families have been settled there for generations. Most banks in Ghana either won't quote XOF or route it through a second currency, adding a spread nobody discloses.
Grey quotes GHS to XOF directly for senders in Accra and Kumasi. The XOF lands at SGBCI, Ecobank Côte d'Ivoire, NSIA Banque, BICICI or any Ivorian bank as a domestic deposit. Nothing to install on the receiving side.
How sending to Cote d'Ivoire works
Sign up
Grey asks for a Ghana Card and nothing else to open. Add Abidjan as a destination straight after. Grey works with licensed partners in Ghana.
Fund
Any GHS top-up works: bank transfer from any Ghanaian bank or mobile money. Regular senders to Abidjan usually keep a small balance ready.
Send
Côte d'Ivoire uses a RIB as well. Copy it from the recipient's SGBCI, NSIA or Ecobank statement, confirm the XOF figure, and tap send.
What the fee doesn't tell you
Grey does one conversion, GHS to XOF, and shows it. What lands at SGBCI, Ecobank Côte d'Ivoire, NSIA Banque, BICICI is what was on screen in Accra.
The XOF figure doesn't move
Whatever the market does after you tap send in Accra, the XOF amount arriving at SGBCI is fixed.
For a bill with a due date in Abidjan, this removes the guesswork.
The old way to Abidjan, and why it costs more
Ask a bank in Accra to send CFA francs and you'll often be told to send dollars instead. Abidjan is a serious trade hub, yet the payments behind that trade are often priced like small gifts with wide spreads nobody questions.
What lands at SGBCI
XOF into any bank account in Côte d'Ivoire. SGBCI and SGBCI, Ecobank Côte d'Ivoire, NSIA Banque, BICICI are all supported, and the credit looks domestic. The sender in Accra sees the same settlement confirmation in the app.
Bank delivery
XOF to SGBCI and any other bank in Côte d'Ivoire.
Repeat recipients
Store a recipient once. Every future payment is three taps.
GreyTag
Both on Grey? GreyTag delivers instantly with no fee.
Getting money onto Grey in Ghana
Before the XOF reaches Abidjan, the money has to get onto Grey in Accra. 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. Convert to XOF when the payment to Abidjan is due.
Local rail
Fund by bank transfer from any Ghanaian bank or mobile money.
Business income
Revenue in cedis or dollars funds the next payment to Abidjan.
Existing balance
Already funded? Convert to XOF and send in the same session.
Sending to SGBCI for the first time? Check the account details twice. After that, Grey remembers them.
The people behind Ghana to Côte d'Ivoire transfers
Business
Paying Abidjan-based staff, agents and contractors in CFA francs.
Family support
Monthly transfers to relatives in Abidjan, Bouaké, Yamoussoukro and San-Pédro.
Trade
Payments to suppliers and market stallholders in Adjamé and Treichville.
Students
Fees at Félix Houphouët-Boigny University and private institutes in Cocody.
A mixed corridor for senders in Accra and Kumasi. Abidjan is francophone West Africa's commercial hub, and African traders and families have been settled there for generations. Amounts range from a monthly allowance to a full supplier invoice.
Why send to Côte d'Ivoire with Grey
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