Send money from Ghana to Malaysia
Seen from Accra, the corridor looks like this. Malaysia hosts one of the largest African student populations outside Africa, and parents pay in ringgit for years. From Accra, Grey pays MYR straight into a bank account in Malaysia, with the rate and fee shown before you tap send.
GHS
MYR
-
Trusted by 3M+ people around the world
GOOGLE PLAY •22K REVIEWS
APP STORE • 12K REVIEWS
Why Accra to Kuala Lumpur needs a proper rate
Ghanaians send abroad for study, trade and family. Accra and Kumasi are the main sending hubs.
On the Kuala Lumpur side, the pattern is different. Malaysia hosts one of the largest African student populations outside Africa, and parents pay in ringgit for years. Grey pays ringgit into any bank in Malaysia, including Maybank, CIMB, Public Bank, RHB, Hong Leong. You see the exact MYR amount before you confirm, and that's the amount that arrives.
How sending to Malaysia works
Sign up
Verify once with your Ghana Card. From then on, sending to Malaysia 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 MYR when you need it.
Send
Enter the Maybank, CIMB or Public Bank account number. Grey checks it against the name, quotes GHS to MYR, and you send.
Where the money goes on Ghana to Malaysia
Grey converts GHS to MYR 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 Maybank.
Fixed from Accra to Kuala Lumpur
Grey fixes the GHS to MYR rate at the moment you confirm. The MYR amount doesn't move after that.
When you've calculated exactly what a month in Kuala Lumpur 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. For years, families sent to Malaysia through dollar transfers with wide margins, or through informal agents with no recourse. Neither is right for money that covers a young person's rent. That's the standard Grey works to for a sender in Accra: GHS to MYR quoted directly, delivered to Maybank.
Delivered like a local payment
MYR at Maybank, or any other bank in Malaysia, as a straightforward deposit. The recipient in Kuala Lumpur 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 Malaysia
Bank name plus account number. The MYR 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 Kuala Lumpur start
Most Ghanaian senders top up in cedis and convert to MYR on the day. 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.
Top up once
Move a month's worth of cedis in and send to Kuala Lumpur as needed.
Earn in foreign currency?
Send from that balance and avoid a double conversion.
Convert on the due date
Hold cedis, convert to MYR when the payment is actually due.
Most senders from Accra to Kuala Lumpur settle into a rhythm: top up on payday, convert on the due date, done.
What this route is used for
Tuition and hostel
Semester fees and accommodation at Limkokwing, UCSI, Taylor's, MMU, UM and Sunway.
Monthly allowance
Food, transport and phone credit for students in Cyberjaya, Subang and Petaling Jaya.
Immigration and insurance
EMGS renewals, student pass fees and medical insurance paid in ringgit.
Business
Paying Malaysian suppliers, contractors and staff.
Three kinds of sender use this route from Accra: families with someone in Kuala Lumpur, parents of students, and businesses with a supplier or contractor in Malaysia. Malaysia hosts one of the largest African student populations outside Africa, and parents pay in ringgit for years.
What Grey does differently on this route
Get digital banking
at your fingertips
