Send money from Nigeria to Ghana
Lagos and Accra run on each other. Traders crossing at Seme, families split across the two countries, and Nigerian students at Legon and KNUST. Grey converts naira to cedis and pays GHS into a Ghanaian bank account or an MTN Mobile Money, Vodafone Cash or AirtelTigo wallet.
NGN
GHS
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Naira to cedis, delivered inside Ghana
This is the shortest route in the set and the busiest. Goods move along the coastal road daily, fees fall due at Ghanaian universities each semester, and family money crosses in both directions all year. What senders in Lagos, Ibadan and Benin City want is a cedi figure they can quote and a payout that does not involve a bureau de change.
Grey converts once, NGN to GHS, and delivers to a Ghanaian bank account or straight to a mobile money wallet on MTN, Vodafone Cash or AirtelTigo. Mobile money is how most of Ghana actually receives money, and the cedis typically arrive within minutes of a funded transfer.
How to send cedis from Nigeria
Sign up
A NIN slip, BVN or international passport and a selfie are all it takes to register in Lagos, Ibadan or Benin City, ahead of a semester bill at the University of Ghana or the next run of Accra stock. Nigerian accounts are usually approved within minutes and there is no charge to open one.
Fund
Push naira to Grey from GTBank, Access Bank, Kuda or any other Nigerian bank. Dollars earned from work abroad can also fund the cedi transfer directly.
Send
Enter a Ghanaian bank account number, or the mobile number registered to an MTN Mobile Money, Vodafone Cash or AirtelTigo wallet. Confirm the cedi amount and the fee.
What the cedi leg actually costs
Grey prints the NGN to GHS rate and the fee on the same screen before you send, so the cost is a number you agreed rather than a difference you notice later.
On school fees and stock payments, which tend to be large and infrequent, the rate does almost all of the damage. Compare what lands in cedis rather than what is charged in naira.
Locking the cedi amount
A bursar in Kumasi wants an exact figure by a deadline. Grey fixes NGN to GHS the moment you confirm, so the cedis quoted are the cedis credited.
The rate does not adjust while the payout is processing, and no correction turns up on the receipt afterwards.
Grey against a Nigerian bank on the Accra route
Two neighbouring countries, and a bank transfer between them still routes through a correspondent in Europe or the United States, converting twice and taking days. Grey treats Nigeria to Ghana as one leg and pays cedis into the Ghanaian system, which is why it lands the same day rather than the same week.
What your recipient in Ghana sees
A cedi credit that looks domestic. Either an entry on their bank statement or a mobile money alert on the phone they use for everything else.
Mobile money
MTN Mobile Money, Vodafone Cash and AirtelTigo wallets, credited against a registered mobile number.
Bank payout
Cedis into an account at a major Ghanaian bank, entered by account number in the app.
Grey to Grey
A GreyTag transfer between two Grey users costs nothing and settles instantly.
Getting set up before you send
For mobile money you need the registered number and the network. For a bank payout you need the account number and the bank. The name should match the account or wallet holder exactly.
From your Nigerian bank
A naira transfer into Grey, usually reflected within minutes.
From foreign currency
USD, GBP or EUR held on Grey can pay the Ghanaian side directly.
From a standing balance
Convert and send in the same minute when the deadline is tight.
Save the Accra or Kumasi recipient once and the next transfer from Lagos takes three taps.
What the Ghana corridor carries
Cross border trade
Nigerian traders paying Accra and Tema suppliers for goods moving on the coastal road.
University fees
Tuition, hostel and upkeep for Nigerian students at the University of Ghana, KNUST and Ashesi.
Family support
Money to relatives in Accra, Kumasi and Takoradi, often straight to a mobile money wallet.
Contract work
Payments to Ghanaian designers, developers and fitters invoicing Nigerian businesses in cedis.
Nigeria to Ghana moves more small, frequent payments than any other route in this set. Trade, tuition and family support, often from the same sender in the same month.
Why senders in Nigeria use Grey for Ghana
Short routes attract frequent payments, and frequent payments are where small hidden costs add up fastest. Grey keeps the rate and the fee in the open each time so nothing accumulates quietly.
One conversion from naira, the rate held at confirmation, cedis paid to a Ghanaian bank account or a mobile money wallet.
FAQs
What currency does the money arrive in?
Ghanaian cedis. Grey converts naira to GHS and pays into a Ghanaian bank account or a mobile money wallet as a local credit.
Can I send to MTN Mobile Money in Ghana?
Yes. MTN Mobile Money, Vodafone Cash and AirtelTigo are all supported. Enter the mobile number registered to the wallet.
Can I pay Ghanaian university fees from Lagos?
Yes. Enter the institution bank account details, confirm the cedi total, and the payment arrives as a domestic Ghanaian credit.
How do I fund the transfer?
By naira bank transfer from GTBank, Access Bank, Zenith Bank, First Bank, UBA or Kuda into your Grey account, usually credited within minutes.
Is this cheaper than changing money at the border?
Grey shows the rate and the fee before you confirm, so the cost is visible in advance rather than worked out after the cedis are counted.
Does my recipient in Accra need a Grey account?
No. The cedis land in their existing wallet or bank account. Only you, the sender in Nigeria, need an account.
How quickly do cedis arrive?
Transfers from a funded Grey balance typically arrive within minutes, to both mobile money wallets and Ghanaian bank accounts.
Can I pay a Ghanaian supplier or contractor?
Yes. Enter their bank or wallet details and the invoice is settled in cedis, with the rate and fee shown before confirmation.
Can I change the rate after sending?
No, and it will not change on you either. The NGN to GHS rate is fixed at confirmation and applies to the whole transfer.
What identification do I need in Nigeria?
A valid identity document, typically your NIN slip, BVN or international passport, along with a selfie during registration.
Can I send to several relatives in Ghana?
Yes. Save each recipient separately, whether wallet or bank, and repeat transfers take a few taps each.
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