Send money from 🇩🇪 Germany to 🇬🇭 Ghana
We recorded quotes from 5 providers for transfers from Germany to Ghana.
To send €100 from Germany to Ghana, WorldRemit has the lowest total cost we recorded: 0.12%, fees and exchange-rate margin combined, measured against the interbank rate. 5 providers compared below, each with its collection date.
Lowest total cost
WorldRemit
0.12% on €100
Fastest
Wise
about 1 h
Providers recorded
5
on this corridor
Options for Ghana
Mobile money available
Direct transfer to Orange Money, Wave, M-Pesa. No bank account needed for the recipient.
Cash pickup
Available within minutes at Western Union and MoneyGram locations.
Banking access
40% of adults have a bank account · mobile money: MTN Mobile Money (dominant)
Compare prices for Germany → Ghana
Compare the 5 recorded quotes side by side, at several amounts.
View offersProviders recorded
WorldRemit
GHS 1,323 for €100 • 0.12% total cost
What the figures show
- No fee stated on this corridor
- Exchange rate in line with the interbank rate
- Lowest total cost recorded on this corridor
- Mobile money payout available
- Cash pickup available
- Delivery time not stated
Findings computed from the prices recorded on September 19, 2026 at 2:53 PM.
direct link — not affiliated
Western Union
GHS 1,310 for €100 • 1.11% total cost
What the figures show
- Flat fee, whatever the amount sent
- Exchange rate in line with the interbank rate
- Mobile money payout available
- Cash pickup available
Findings computed from the prices recorded on September 19, 2026 at 2:53 PM.
direct link — not affiliated
Remitly
GHS 1,297 for €100 • 2.11% total cost
What the figures show
- Flat fee, whatever the amount sent
- Exchange rate in line with the interbank rate
- Mobile money payout available
- Cash pickup available
- Delivery time not stated
- Price includes a discount flagged by the provider: it may not apply to later transfers
Findings computed from the prices recorded on September 19, 2026 at 2:53 PM.
direct link — not affiliated
InstaReM
GHS 1,286 for €100 • 2.91% total cost
What the figures show
- No fee stated on this corridor
- Mobile money payout available
- 2.9% margin applied to the exchange rate
- Delivery time not stated
Findings computed from the prices recorded on September 19, 2026 at 2:30 PM.
direct link — not affiliated
Wise
GHS 1,282 for €100 • 3.24% total cost
What the figures show
- Exchange rate in line with the interbank rate
- Mobile money payout available
Findings computed from the prices recorded on September 19, 2026 at 2:53 PM.
paid link
Detail by amount sent
Quotes are collected for these exact amounts: fees do not scale the same way from one provider to another.
| Provider | Rate | Fee | You receive | |
|---|---|---|---|---|
BEST | 13.232 | Free | GHS 1,323 | Choose direct link — not affiliated |
Western Union -GHS 13.10 vs best | 13.232 | €0.9900 | GHS 1,310 | Send direct link — not affiliated |
Remitly -GHS 26.33 vs best | 13.232 | €1.99 | GHS 1,297 | Send direct link — not affiliated |
InstaReM -GHS 36.98 vs best | 12.8622 | Free | GHS 1,286 | Send direct link — not affiliated |
Wise -GHS 41.31 vs best | 13.2276 | €3.09 | GHS 1,282 | Send paid link |
Best deal
WorldRemit
Is this a good price? The official benchmark
On this corridor, sending USD 200 or the equivalent costs 4.45 % on average — fees and exchange-rate margin included, across all operators.
Our cheapest recorded offer is 0.12 %, which is 4.33 points below the corridor average.
Average: Banque mondiale — Remittance Prices Worldwide, 2025-Q3 survey. Check on the source's own site
Mid-market rate: 1 EUR = 13.2483 GHS — collected on September 19, 2026 at 2:54 PM, source open.er-api.com.
Provider quotes collected on September 19, 2026 at 2:30 PM.
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.
Sources of the quotes on this page: API de comparaison publique de Wise, Calculateur public Remitly, Calculateur public WorldRemit, Catalogue de prix public Western Union.
Remitly, WorldRemit and Western Union are collected directly from their own calculators; the other providers come from the public comparison interface published by Wise. 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.
Tips for sending money from Germany to Ghana
- 1
Use mobile money: to Ghana, money can be delivered straight to MTN Mobile Money. A mobile wallet works without a bank account.
- 2
Compare the margin on the exchange rate, not just the stated fees: that is where most of the cost sits. On the corridors we record, the best bank ranges from 0.6% to 5.2% of the amount sent — sometimes cheaper than a specialist, sometimes not.
- 3
Cash pickup: Ghana has limited banking access (40% of adults have a bank account). Collecting cash at a branch is often the surest way to be paid — check the service's agent network before sending.
- 4
Avoid sending at weekends: exchange rates are less favourable. Prefer business days for your transfers.
FAQ — Send money from Germany to Ghana
What is the best way to send money from Germany to Ghana?
The best method depends on the amount and the speed you need. Wise is generally cheapest for bank transfers. WorldRemit and Remitly send directly to mobile money. Western Union and MoneyGram suit cash pickup within minutes. Compare the recorded rates in the table above.
How long does it take to send money from Germany to Ghana?
Delivery times differ by provider and by payout method. When a provider states an estimate, we show it in the table; when it states none, we say so rather than guess.
What are the fees for a transfer from Germany to Ghana?
The total cost combines the stated fee and the margin applied to the exchange rate. It varies by corridor, by provider and by amount — which is why we record a quote for several amounts rather than quoting a single figure. The table above shows the recorded cost for this corridor, with its collection date.
Can I send money directly to a mobile phone in Ghana?
Yes. Ghana has a well-developed mobile money network. WorldRemit and Remitly send directly to the country's mobile wallets.
Beware of scams
TransfertCompare is an independent comparison site. We will never contact you by phone, email or SMS asking for money or personal information. Beware of offers that seem too good to be true. Only use providers listed on our site, and always check you are on the provider's official website before making a transfer.