International transfers · GHS · USD
Send money to Ghana
Send Ghanaian cedis to a mobile money wallet on MTN, Telecel or AirtelTigo, or straight into a bank account. Fund it with USDT and see the cedi amount first.
- 0.5% fee
- Pay with USDT
- Mobile money
- Bank transfer
- SWIFT (USD)
- Rate
- –
- Transfer fee
- –
- Total from your balance
- –
Indicative rate. The final rate is locked when you confirm.
Ways to receive money in Ghana
Your recipient chooses how they want to get the money. Here is what each option needs.
Mobile money
Sent to the recipient's mobile money wallet in local currency.
What you need from the recipient
- Recipient's name
- Mobile money number
- Network
- Paid out in
- GHS
- Arrival
- Shown before you confirm
- Fee
- 0.5% (min $0.50)
- Limits
- $5.00 – $1,000.00
Bank transfer
Paid in local currency to the recipient's bank account.
What you need from the recipient
- Bank name
- Account number
- Account name
- Paid out in
- GHS
- Arrival
- Shown before you confirm
- Fee
- 0.5% (min $0.50)
- Limits
- $5.00 – $1,000.00
SWIFT (USD)
An international bank transfer in US dollars to the recipient's bank.
What you need from the recipient
- Account name and number
- SWIFT/BIC code
- Bank name and address
- Paid out in
- USD
- Arrival
- Shown before you confirm
- Fee
- 0.5% (min $0.50)
- Limits
- $5.00 – $1,000.00
How it works
Steps to send money to Ghana
- 1
Sign up and top up with USDT
Create a free account, complete a one-time identity check and add USDT to your balance.
- 2
Check the rate and fee
Pick the country and receive method. You see the fee, the rate and exactly what your recipient gets.
- 3
Send and track
Confirm with your withdrawal PIN and follow the transfer status in the app until it's paid out.
Know before you send
Fees and rate for sending money to Ghana
No hidden charges: the fee is added on top of the amount you send, and the rate is shown before you confirm.
| Receive method | Fee | Example with $100 | Limits |
|---|---|---|---|
| Mobile money | $0.50 | 1,192.54 GHS · total $100.50 | $5.00 – $1,000.00 |
| Bank transfer | $0.50 | 1,192.54 GHS · total $100.50 | $5.00 – $1,000.00 |
| SWIFT (USD) | $0.50 | 100.00 USD · total $100.50 | $5.00 – $1,000.00 |
Sending money to Ghana: what to know
Mobile money is everywhere in Ghana: market traders, students and families all use MoMo to pay and get paid. Sending to a wallet means your recipient can withdraw at any agent or spend straight from their phone.
Prefer a bank? ScarabPay also pays cedis into Ghanaian bank accounts, and US dollars by SWIFT.
Why send with ScarabPay
No bank account needed
Fund your transfers with USDT from any exchange or wallet. No card, no bank queue.
Clear, low fee
0.5% of the amount, shown upfront. Your recipient gets the full amount you enter.
Real status updates
Every transfer has a status and a receipt you can share with your recipient.
Support in Arabic and English
Questions about a transfer? Our team answers in Arabic and English.
Send your transfer to
Need help with a transfer?
Our support team can help you choose the right receive method, check recipient details or follow up on a transfer.
Contact supportQuestions about sending money to Ghana
How much does it cost to send money to Ghana?
The fee is 0.5% of the amount you send, with a minimum of $0.50. It is added on top, so your recipient gets the full amount you enter, converted at the rate shown before you confirm.
What are the limits for transfers to Ghana?
You can send between $5.00 and $1,000.00 per transfer. Receive options available: Mobile money, Bank transfer, SWIFT (USD).
Which mobile money networks in Ghana are supported?
MTN Mobile Money, Telecel Cash (formerly Vodafone Cash) and AirtelTigo Money.
Can I send money to a Ghanaian bank account?
Yes. Choose Bank transfer, select the bank and enter the account name and number. The money is paid in cedis.
Can my recipient get US dollars?
Yes, with a SWIFT transfer in USD to their bank account.
What currency arrives on MoMo?
Ghanaian cedis (GHS), at the rate shown before you confirm.
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Transfers are available to verified ScarabPay users and are subject to our Terms of Service and AML policy. Rates shown on this page are indicative and update regularly; the final rate and fee are shown before you confirm. Delivery times depend on the receive method and the recipient's provider. ScarabPay is not a bank. Terms of Service · AML policy