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2 providers compared to send money from Germany to Ghana.
To send 100 EUR from Germany to Ghana, InstaReM has the lowest total cost we recorded (2.82%, fees and exchange-rate margin combined). Wise comes next at 3.13%. 2 providers compared below.
Sending money from Germany to Ghana is a common need for the diaspora. We recorded quotes from 2 providers on this corridor, so you can compare exchange rates, fees and delivery times. Mobile money transfers are particularly popular in Ghana, allowing recipients to receive funds directly on their phone.
Mobile Money
Send directly to mobile wallets. No bank account needed for the recipient.
The cheapest provider for transfers from Germany to Ghana depends on the amount. Based on our comparison, specialized providers like Wise offer the best exchange rates with transparent fees (0.5-1% total cost). Compare all options in the table above.
Transfer times from Germany to Ghana vary by provider: cash pickup (Western Union, MoneyGram) is available in minutes, mobile money transfers (WorldRemit, Remitly) take a few hours to 1 day, and bank transfers (Wise, Revolut) take 1-3 business days.
Most providers require a government-issued ID (passport or driver's license) and proof of address. For larger amounts, additional verification may be needed. The recipient typically only needs a phone number for mobile money or an ID for cash pickup.
Yes! Several providers support mobile money transfers from Germany to Ghana. Recipients can receive funds directly on their mobile wallet without needing a bank account. This is often the fastest and most convenient option.
Beware of scams
TransfertCompare is an independent comparison site. We will never contact you. Beware of offers that seem too good to be true. Only use the providers listed on our site.
Exchange rates are volatile
The prices shown are quotes collected on the date stated on this page, not live pricing. A provider can change its rate at any time: check the final price with them before confirming your transfer.
Mid-market rate: 1 EUR = 13.4842 GHS — collected on August 4, 2026 at 10:21 AM, source open.er-api.com.
Provider quotes collected on August 4, 2026 at 9:28 AM.
Ranked by increasing total cost — fees and exchange-rate margin combined, measured against the mid-market rate. Affiliate revenue plays no part in this ranking.
These quotes come from the public Wise comparison API. Wise appears in this comparison and is the only provider we earn a commission from.
Check the final price with the provider before sending: a quote may have changed since we collected it.
