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Top 10 money transfer Apps US to Ghana

If you’re looking for the best way to send money from the United States to Ghana, use our directory to find the cheapest and fastest way to transfer money online.

It can be time-consuming to research money transfer companies and compare the best rate of foreign exchange. Our guide shows you which service has transparent fees, mobile apps, and different delivery options to make your international money transfers easier.

Best Money transfer Apps US to Ghana

Some of the best money transfer services to send money to Ghana from the USA:

1. Remitly

Remitly Logo

Remitly accepts credit and debit cards, and with their Express option, money can be sent within minutes. Remitly has no minimum limit so it can be handy when sending small amounts to family or friends overseas. It’s also easy to make payments on the Remitly website or mobile app (Android/IOS)

How much does Remitly cost?

  • Transfer Fee: The fee for “Economy” is $3.99 but if you want the money sent faster, their “Express” fee is $4.99
  • Exchange Rate: The exchange rate you receive depends on the amount of your transfer and which country your money is being sent.

How long does it take?

It depends on which service you choose. It’s faster with “Express” but you have to pay by card and the fees are higher. It’s slower but cheaper with “Economy” when you pay by bank transfer.

How is money delivered to my recipient?

Available delivery methods vary depending on the country you’re sending money to. It is best if you check with your recipient to find the method that’s most convenient for them. Here’s are the most common options available:

  • Bank Deposit.
  • Cash Pickup
  • Mobile Money
  • Home Delivery

Service details:

For help from Remitly and phone number: US-1(844) 604-0924.

2. WorldRemit

Money transfer Apps US to Ghana

The WorldRemit Wallet allows you and people you know to send, receive or store money in a range of currencies using the WorldRemit app. It is suitable and safe to use and can be downloaded from Google Play or App Store. They are perfect for personal money transfers from the United States up to 5,000 USD to Ghana. Their rates are usually better than your local bank, and they offer more flexible delivery options than companies like PayPal, or MoneyGram.

How much does it cost?

  • Fees: Starting from USD0.99 for small amounts, the fee increases the more you send all the way up to USD9.99 for the maximum transfer amount.
  • Exchange Rate: WorldRemit adds a margin to the exchange rate.]

How long does it take?

Most transfers are completed within 1-3 working days. Cash transfers are usually ready for collection within minutes.

How is money delivered to my recipient?

Available delivery methods vary depending on the country you’re sending money to. It is best if you check with your recipient to find the method that’s most convenient for them. Here’s are the most common options available:

  • Cash Pickup
  • Bank Deposit
  • Mobile money

Service details:

For help from WorldRemit and How to use WorldRemit on your Phone

3. Wise


Wise (formerly known as TransferWise) is one of the easiest ways to do this. It’s incredibly simple to create an account or make a transfer using their App. They also have the best exchange rates because they offer the same market rate you see on XE or Google and add no hidden exchange rate markups.

How much does it cost?

  • Transfer Fee: 4.29 USD + 1.55% of your amount.
  • Exchange Rate: Wise gives you the best possible rate (google rate). They do not use a margin.
  • Additional Fees: Bank debit (ACH) is the cheapest; then bank wire transfer; followed by debit card and credit card.

How long does it take?

For how long it takes depends on these 2 things:

  1. The countries you’re sending from and to. Every currency and country is different. Converting your money can take a maximum of 2 working days, but it’s very rare that it takes this long. And how quick your transfer arrives depends on how quickly your recipient’s bank can process your money, as well as the ways you’re able to pay in the country you’re sending from.
  2. How you pay. Some payment methods are quicker than others. For instance, card payments are normally instant, while bank transfers take longer. You’ll see how long each payment method takes when you set up your transfer. 

How is money delivered to my recipient?

  • Bank Deposit: If you don’t have their bank details, just enter their email address.If they’re on Wise, they will receive the money into the account they want, If they’re not on Wise, they will receive an email asking for their bank details.

Service details:

Get in touch with Wise help centre

4. Western Union


Western Union is one of the oldest and largest money transfer companies in the world. They also have many ways to send money to Ghana. You can send money online, using their app, or in person at any of their US locations. They offer both money transfer to bank account and cash pickup services.

How much does it cost?

With so many payment options available, it’s hard to work out how much it costs without using their online calculator.

The fees you pay and the exchange rate you receive will all change depending on:

  1. The amount you are sending.
  2. How you making the transfer: on an app, online or in-person all have different fees.
  3. How you pay Western Union: fees vary depending on if you use a credit card, a debit card, a bank transfer or pay in a store.
  4. If the person in Ghana is receiving into a bank account or in cash.

To get an estimate of the total costs including exchange rates and fees to send money to Ghana with Western Union, click here.

5. Xoom

Xoom is a Paypal service that works as a digital money remittance platform that helps customers in making transfers from the United States of America to more than 30 countries across the world including Ghana.

Exactly like the previous money transfer app, Xoom also allows its clients to send money on their loved one’s mobile money across the world. Knowing that most of the Ghanaians who are established abroad live in USA, UK or Canada, then Xoom seems to be the best way to send money from abroad to family and friends in Ghana. The app also makes it possible to send airtime top-up and make utility bills payment.

How much does it cost?

Transfer Fee: Differs depending on the amount and how you pay them. Paying them by bank transfer is free, but if you pay by card the fee is percentage-based.
Exchange Rate: A margin is added to the exchange rate when you convert your US dollars (USD) into Ghana Cedi (GHS).

How long does it take?

It will take 1-2 business days. Transfers submitted by 11 am EST on a bank business day will be delivered by 5 pm EST the next business day.

How is money delivered to my recipient?

  • Bank Deposit
  • Cash Pickup
  • Home delivery

Service details:

Xoom help phone number: (877) 815-1531 (toll free) or +1 (415) 395-4225 from Ghana.

6. EziPay Ghana

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EziPay Ghana, which is the Ghanaian version of EziPay Africa, is a digital wallet that helps you to resolve your day-to-day transfer needs. Created by Artificial Intelligence Technologies Limited that has been present in Ghana for the past 2 years, EziPay Ghana is obviously a suitable solution that feat the Ghanaian context. Indeed, the app(Android / IOS) makes it possible for anyone living abroad to send money directly on somebody’s mobile money wallet, bank account, or a Visa card at one of the lowest fees on the market.

7. MoneyGram


The MoneyGram mobile app (IOS and Android) offers convenient features like biometric identification, location finder, transfer tracking, plus exchange rates and fee estimates MoneyGram offers convenient options for receiving money: cash pickup, to a bank account, or a mobile money wallet.

8. WellsFargo


Wells Fargo & Company is an American multinational financial services company with corporate headquarters in San Francisco, California, operational headquarters in Manhattan, and managerial offices throughout the United States and internationally. The company has operations in 35 countries with over 70 million customers globally. WellsFargo enables you to send money to your loved ones in Ghana. Download the WellsFargo App!

9. Talkremit


If you regularly send money abroad to family and friends in Ghana, then Talkremit is the app you need. Fast, secure, and low-cost, this online money transfer service is a trusted remittance platform and online money app that is convenient, safe, reliable, and hassle-free.

It is important to know that the Talkremit app is an e-Wallet just like the EziPay Ghana app. Therefore, the app is a great solution to use for sending money back home regularly.

10. Ria Money Transfer


RIA is an electronic funds transfer product that enables individuals to receive funds from families, friends, and business associates abroad over the counter or directly into the beneficiary’s account. It provides a channel for individuals who wish to transfer funds for family upkeep, payment of school fees, medical bills, funding of projects, etc. to do so efficiently. Download the all-new Ria app!



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