Last Updated on May 18, 2023
Sending money to Ghana from Nigeria can be a simple and hassle-free process if you know the right channels to use. Whether you want to send money to family and friends or make a business transaction, there are various methods you can use to transfer money from Nigeria to Ghana.
In this article, we’ll take a closer look at the different ways you can send money to Ghana from Nigeria and provide you with tips to ensure a smooth and secure transaction.
Money Transfer Apps to Send Money to Ghana from Nigeria
Money transfer apps also offer a fast and convenient way to send money to Ghana from Nigeria. These platforms allow you to transfer money using your debit card or bank account.
There are several good money transfer apps you can use to send money to Ghana from Nigeria. Here are some of the best ones:
1. Send by Flutterwave
Send by Flutterwave, is a money transfer service that allows people with Flutterwave accounts to send or receive funds from anywhere in the world. With Send you can send money to Ghana from Nigeria and the recipient can receive funds through any mobile money operator in Ghana like MTN Mobile Money, Airtel Money, MoneyTigo and Vodafone Cash.
Send by Flutterwave exchange rate is fair before sending the money you can enter the Naira value you want to send and the Ghanaian currency equivalent the recipient will get be displayed. But note that exchange rates fluctuate
Send works withFlutterwave barter accounts, mobile money wallets, bank accounts, and even cash pick-up locations.
With Send by Flutterwave, you can make instant money transfers from various countries around the world. You can transfer funds using different options to send money to local bank accounts and mobile money wallets as well.
You can find out more about this company in our Flutterwave review.
Eversend is a multi-currency e-wallet that allows anyone to exchange, save and send money instantly at the best possible rates – within and beyond Africa. You can send money to Ghana from Nigeria with the Eversend app.
Eversend claims to save up to 70% in fees and foreign exchange. Eversend also allows you to create a virtual debit card and shop online, instantly. You can load the virtual debit card in any currency and shop in USD.
The app also allows you to hold and exchange multiple currencies including USD, EUR, NGN, KES, UGX, RWF and GBP. You can send money to Ghana with Eversend from any of these countries in Africa: Kenya, Nigeria, Rwanda, South Africa, Swaziland, Tanzania, and Uganda.
Europe: Belgium, Netherlands, France, Germany, Switzerland, United Kingdom
Rest of the World: Australia, Canada, India, Kuwait, South Korea, Turkey, United Arab Emirates, United States.
The Afriex app is another great option to send money to Ghana from Nigeria. Although You can use Afriex to send and receive money from anywhere in the world.
When you sign up for Afriex, you get a free multi-currency for sending and receiving money to and from Africa instantly. Afriex has been used for transactions worth over $1 billion USD so far.
With the Afriex Money Transfer App, you can send money to and from Nigeria, Ghana, Kenya, Canada, and USA.
Afriex transfer fees are 25% cheaper than Moneygram and WesternUnion.
Checkout: How to Send Money to Nigeria from the UK
Bitnob offers virtual card and cross-border transfers to over 7 African countries. It is a great option to send money to Ghana from Nigeria. The recipient in Ghana will receive the money in Ghanaian cedis in their mobile money wallet since almost every person living in Ghana has a Momo wallet.
All you need to send money to Ghana from Nigeria using the Bitnob app is the recipient’s mobile money wallet number and their full name.
You can also create virtual dollar cards for paying for stuff online using Bitnob.
5. Yellow Pay by Yellow Card
Yellow Pay is a crypto-powered payment product developed by Yellow Card for sending money across Africa. Yellow Pay works in all the 15 African countries where Yellow Card exists.
Yellow Pay is a good option to send money to Ghana from Nigeria as it allows you to deposit your local currency (Naira) on the Yellow Card app and transfer it to someone in another African country (Cedis) in seconds.
Changera is another interesting fast and secure app that lets you send money to Ghana from Nigeria where the recipient will receive it in their Ghanaian bank account. The app also lets you pay bills ad create virtual dollar cards in Nigeria.
You can send money to your friends and family in Ghana from Nigeria, other African countries, the US and Europe. You can fund your Changera wallet through your card or through a Nigerian bank transfer.
Bitsika is a mobile app that allows you to spend and send money in Cameroon, Togo, Burkina Faso, Ivory Coast, Senegal, Benin, Mali, Uganda, Kenya, Ghana and Nigeria. Send money to friends, buy airtime, create and top-up virtual VISA cards and mah more.
Bitsika accepts Cedis, KES Naira, UGX, XAF/XOF, BUSD, BTC, BNB and US dollars.
Bitsika is a great option for sending money to Ghana from Nigeria, however, both the sender and the receiver need to have a Bitsika account. Also, the receiver in Ghana will be able to cash out the money through their MTN MoMo number.
You don’t incur any hidden costs with Bitsika. You need your BVN and a recognised national ID to open a Bitsika Account in Nigeria. While in Ghana, you just need either an international passport, driver’s license, national ID, social security ID, or voter’s card.
8. AccessAfrica by Access Bank
Access Bank offers a money transfer service that lets anyone send money to Ghana from Nigeria. You can send money from Nigeria to Ghana through their mobile app, online banking platform, or by visiting a branch.
If you want to send money from Nigeria to Ghana through AccessAfrica.
You can send cash from Nigeria to someone in Ghana and they will receive cash in return but you both have to visit an Access bank branch in both countries. If you have an Access bank account, using your Access mobile app or internet banking you can send the money to the recipient’s own Access bank account or if they don’t have an account with Access Bank they can receive it as cash.
AccessAfrica charges a transfer fee of $5 Flat fee + 1% from the sender in Nigeria.
9. AfriCash by UBA
AfriCash by UBA (United Bank for Africa) is a secure and quick way to relieve money across Africa. If you want to send money to Ghana from Nigeria, AfriCash is a great option for UBA account and non-account holders to receive money from any UBA branch location in Africa
To use AfriCash, the sender from Nigeria must provide a BVN (if no UBA account) or must have an active UBA account. For the receiver in Ghana, if you are not a UBA customer, you must provide a government-issued identification card alongside your remittance request form.
You can use AfriCash to send money from Nigeria to Ghana using the UBA mobile app, UBA internet banking or paying a visit to a bank branch.
10. RapidTransfer by Ecobank
RapidTransfer by Ecobank is also a reliable and seamless way to send money to Ghana from Nigeria.
RapidTransfer is available to both Ecobank accounts and non-account holders. This money transfer service enables the sending and receiving of money in all Ecobank branches in Africa. You can also send a Rapidtransfer online using the RapidTransfer App on Google Playstore or Apple App Store.
So using RapidTransfer you can send funds in your local currency and we deliver the money in your receiver’s currency.
If both the sender and the receiver don’t have an Ecobank account then they both need to provide a publicly accepted government-issued ID to send money and to receive the funds, a transfer request form and a government-issued ID.
The receiver will receive a notification and a reference code so they can withdraw their funds.
SendCedis2Naira is a money transfer service that lets you send money to Ghana from Nigeria.
With this remittance platform, you can quickly send money to someone’s MTN Mobile Money account in Ghana MTN Mobile Money account (MoMo Wallet).
How to Send Money to Ghana from Nigeria Using Bank Transfer
Bank transfer is one of the most common methods of sending money from Nigeria to Ghana. To transfer money through this method, you’ll need to have a bank account in Nigeria and Ghana.
If you want to send money to Ghana from Nigeria, here are the steps to follow:
- Step 1: Register for online banking: Most banks in Nigeria offer online banking services, which allow you to transfer money from the comfort of your home or office. To use this service, you’ll need to register for online banking.
- Step 2: Log in to your account: Once you’ve registered for online banking, log in to your account and navigate to the transfer section.
- Step 3: Input recipient’s details: Enter the recipient’s bank details, including the name of the bank, the recipient’s account number, and the SWIFT code.
- Step 4: Input amount to transfer: Enter the amount you want to transfer and confirm the transaction.
- Step 5: Wait for confirmation: Once the transaction is complete, you’ll receive a confirmation message from your bank. The recipient will also receive the money in their account.
How to Send Money to Ghana from Nigeria Using Money Transfer Operators
Money transfer operators such as Western Union, MoneyGram, and Ria Money Transfer are popular options for sending money to Ghana from Nigeria. These companies offer a fast, reliable, and convenient way to transfer money internationally. To use this method, follow these steps:
- Step 1: Locate a money transfer agent: Visit the website of the money transfer operator you want to use and locate a nearby agent. You can also find the agent using the company’s mobile app.
- Step 2: Provide your information: Provide your information to the agent, including your full name, the amount you want to transfer, and the recipient’s name and location.
- Step 3: Pay for the transaction: Pay for the transaction using cash or your debit card.
- Step 4: Get a receipt: Once the transaction is complete, the agent will give you a receipt that contains a reference number.
- Step 5: Share the reference number with the recipient: Share the reference number with the recipient, who can then use it to collect the money from any agent location in Ghana.
When deciding which platform or app to use when you want to send money to Ghana from Nigeria, it’s important to compare the fees, exchange rates, and delivery options to find the one that suits your needs best. Some banks may charge higher fees or offer less favourable exchange rates than others, so it’s important to do your research before making a decision.