Sending money from the UK to Ghana can be frustrating. High fees eat into your transfers, bank delays keep your loved ones waiting, and exchange rates aren’t always in your favor.

If you’ve ever wondered whether there’s a cheaper, faster, and more reliable way to send money, you’re not alone.

Thankfully, modern options  have changed the game. Instead of relying on slow and expensive bank transfers, you can now send money to Ghana in minutes using a money transfer service like Ohentpay.

In this guide, we’ll break down the best ways to transfer money from the UK to Ghana, helping you save time and money.

Best ways to send money from the UK to Ghana

1. Using online money transfer services 

If you’re looking for a cheaper, faster, and more convenient way to send money from the UK to Ghana, online money transfer services are the best option. Unlike traditional banks, they offer lower fees, better exchange rates, and quicker transfers.

Some of the best money transfer services for sending money from the UK to Ghana are: Ohentpay, WorldRemit, Wise, Remitly and Western Union.

How to send money from the UK to Ghana using Ohentpay 

After downloading the Ohentpay app, completing the verification and setting up your account in two minutes, follow these steps to send money from the UK to Ghana:

• Open the OhentPay app and log in with your PIN or thumbprint

• Tap on the ‘Send’ or arrow-like button on the home page

• On the ‘Send Money’ page, select the currency you want to send money in using the drop-down button(GHS)

• Next, tap on ‘Select Recipient’ and add a receiver by tapping on the ‘+’ button located on the top-right corner of the page

• Select the country your recipient is located in from over 190+ countries, and select the currency you want to send the money in. 

• Fill out the remaining fields on the form and click on ‘Add Recipient.’ 
• Confirm the recipient’s details displayed on the screen and select the ‘Pay with Card’ option. The transaction fees and estimated delivery time will be shown (ensure that you have added your card to your OhentPay account). 

2. Using traditional banks 

 Many people still rely on traditional bank transfers , using banks like Barclays, HSBC, Lloyds,etc. to send money from the UK to Ghana, especially for large transactions.

While this method is secure, it often comes with high fees and slower processing times compared to modern alternatives.

How to send money from the UK to Ghana via a bank transfer

• Log into your bank’s online platform or visit a branch.
• Select "International Transfer" and enter the recipient’s Ghanaian bank details (name, account number, and SWIFT code).
• Choose the currency (GBP or GHS) and review the exchange rate.
• Confirm the transaction and pay the transfer fee.
• The recipient receives the money within 2–5 business days.

Pros and cons of bank transfers 

Pros

• Highly secure and regulated.
• God for large transactions.
• Direct transfer to the recipient's bank account.

Cons

• High fees (both sender and recipient may pay charges).
• Slow processing time (2–5 business days).
• Unfavorable exchange rates compared to online services.

The cheapest way to send money from the UK to Ghana 

Ohentpay, the cheapest option, charges a low flat fee of £1.99 while offering competitive exchange rates close to the interbank rate. This makes it one of the most cost-effective ways to send money to Ghana.

Wise, with a fee of £4.10, offers a strong exchange rate of 20.0214 GHS/GBP, making it a good option for transparency.

Remitly provides an exchange rate of 19.8700 GHS/GBP, with transfer fees varying between £2.99 for Express and £0 for Economy transfers.

When choosing a provider, always compare both the transfer fee and the exchange rate, as hidden markups on exchange rates can significantly impact the final amount your recipient gets.

What is the fastest way to send money from the UK to Ghana?

Sending money from the UK to Ghana has never been easier, thanks to the variety of transfer options available.

Whether you prioritize cost, speed, or convenience, there’s a service that fits your needs.

Ohentpay stands out as one of the most affordable and fast options, offering low fees and competitive exchange rates. Wise provides transparent pricing, while Remitly and Western Union offer flexibility, especially for instant cash pickups.

Before making a transfer, always compare exchange rates, transfer fees, and delivery times to ensure you’re getting the best value.

No matter which service you choose, understanding these factors will help you send money to Ghana quickly, securely, and at the lowest possible cost.