Send money from 🇩🇪 Germany to 🇬🇭 Ghana
To send €100 from Germany to Ghana, WorldRemit has the lowest total cost we recorded: 0.07%, fees and exchange-rate margin combined, measured against the interbank rate. 5 providers compared below, each with its collection date.
Providers recorded
Rates collected automatically · latest reading November 4, 2026 at 8:08 PM
- BESTWorldRemit
You receive
GHS 1,306
- Fee
- Free
- Rate
- 13.0635
- Total cost
- 0.07%
Choosedirect link — not affiliated
Total cost 0.07% · Fee Free
GHS 1,306
Senddirect link — not affiliated
03Remitly
Total cost 2.33% · Fee €1.99
GHS 1,277
-GHS 29.64
Senddirect link — not affiliated
04InstaReM
Total cost 2.81% · Fee Free
GHS 1,271
-GHS 35.85
Senddirect link — not affiliated
05Wise
Total cost 2.97% · Fee €3.11
GHS 1,268
-GHS 37.89
Sendpaid link
| Provider | Rate | Fee | Total cost | You receive | |
|---|---|---|---|---|---|
BEST | 13.0635 | Free | 0.07% | GHS 1,306 | Choose direct link — not affiliated |
| 13.0635 | Free | 0.07% | GHS 1,306 | Send direct link — not affiliated | |
Remitly -GHS 29.64 vs best | 13.0263 | €1.99 | 2.33% | GHS 1,277 | Send direct link — not affiliated |
InstaReM -GHS 35.85 vs best | 12.705 | Free | 2.81% | GHS 1,271 | Send direct link — not affiliated |
Wise -GHS 37.89 vs best | 13.0918 | €3.11 | 2.97% | GHS 1,268 | Send paid link |
Quotes are collected for these exact amounts: fees do not scale the same way from one provider to another.
Why this ranking: details for the 5 providers
WorldRemit
GHS 1,306 for €100 • 0.07% 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 November 4, 2026 at 8:08 PM.
direct link — not affiliated
Western Union
GHS 1,306 for €100 • 0.07% total cost
What the figures show
- No fee stated on this corridor
- Exchange rate in line with the interbank rate
- Mobile money payout available
- Cash pickup available
Findings computed from the prices recorded on November 4, 2026 at 8:08 PM.
direct link — not affiliated
Remitly
GHS 1,277 for €100 • 2.33% total cost
What the figures show
- Flat fee, whatever the amount sent
- 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 November 4, 2026 at 7:51 PM.
direct link — not affiliated
InstaReM
GHS 1,271 for €100 • 2.81% total cost
What the figures show
- No fee stated on this corridor
- Mobile money payout available
- 2.8% margin applied to the exchange rate
- Delivery time not stated
Findings computed from the prices recorded on November 4, 2026 at 6:30 PM.
direct link — not affiliated
Wise
GHS 1,268 for €100 • 2.97% total cost
What the figures show
- Exchange rate in line with the interbank rate
- Delivery stated in under an hour
- Mobile money payout available
Findings computed from the prices recorded on November 4, 2026 at 8:08 PM.
paid link
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 0.07 %, which is 4.38 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 = 13.0723 GHS — collected on November 4, 2026 at 8:09 PM, source open.er-api.com.
Provider quotes collected on November 4, 2026 at 6:30 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.
Options for Ghana
Mobile money available
Direct delivery to a mobile wallet (MTN Mobile Money): the recipient needs no bank account. Check on the provider's site which wallets are accepted.
Cash pickup
Available within minutes at Western Union and MoneyGram locations.
Banking access
81% of adults have an account, at a bank or with mobile money — World Bank, Findex 2025 · mobile money: MTN Mobile Money (dominant)
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
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.