Send money from Ghana to South Africa
Ghanaian Cedi to South African Rand at the live rate, paid out in minutes to Bank transfer.
Live GHS to ZAR rate
1 GHS = 1.22 ZAR
1,000 GHS = 1,220 ZAR
- Fee on 1,000 GHS
- 0 GHS
- Delivery
- In minutes
Rate as of . Refreshes every 5 minutes.
Convert and send
Live rateYou send
They receive
Rate refreshes automatically
GHS to ZAR exchange rate history
Market rate over time, with the high, low and average for any period you pick.
How to send GHS to ZAR with MigraPay
- 1
Create your MigraPay account
Download the app, sign up with your phone number and verify your identity once. It takes a few minutes and you only do it the first time.
- 2
Check the GHS to ZAR rate and add a recipient
Enter how much GHS you want to send. The app shows the live ZAR amount, the fee and the delivery time before you commit, so there are no surprises.
- 3
Pay and track the transfer
Pay from your bank or card, then follow the transfer in the app. Most ZAR payouts arrive in minutes, and you get a notification when the money lands.
How your recipient gets paid in South Africa
Payout options for South Africa include Bank transfer. The app shows exactly what is available for your recipient before you confirm, and most payouts arrive in minutes.
- Bank transfer
See how MigraPay compares
Compare key features across leading platforms.
Our Platform |  |  |  |  | |
|---|---|---|---|---|---|
| AutoSend | Available | — | — | — | Varies |
| Zero transfer fees* | Many routes | Varies | Varies | Varies | Fee applies |
| Delivery speed | Delivered in seconds* | Varies | Varies | Varies | Varies |
| Request money | Available | — | — | — | Varies |
| Loyalty rewards | International transfers* | — | Qualifying transfers | — | — |
*Features, fees, rates, rewards, and delivery times vary by route, amount, eligibility, and how funds are paid in or received.
Loyalty rewards are available only on qualifying transfers in eligible corridors.
Provider information may change; verify current terms before sending.
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Sending money from Ghana to South Africa: FAQ
How much does it cost to send money from Ghana to South Africa?
MigraPay charges zero transfer fee on 1,000 GHS right now, and the ZAR amount is locked at the live rate when you confirm. Fees vary by amount and how you pay; the app shows the exact fee before you send.
How long does a transfer from Ghana to South Africa take?
Most transfers to South Africa are delivered in minutes to Bank transfer. Bank transfers can take longer depending on the receiving bank and the time of day.
What GHS to ZAR exchange rate does MigraPay use?
Today 1 GHS = 1.22 ZAR (as of 10 Sept 2026, 18:30 UTC). MigraPay quotes its live rate at the moment you confirm and locks it, so the ZAR amount you see is the amount delivered.
What does my recipient in South Africa need?
For a bank payout, their name and account details. For mobile money, the phone number registered with their wallet. Recipients do not need a MigraPay account.
Is there a limit on how much I can send from Ghana to South Africa?
Standard limits from Ghana are 60,000 GHS a day, 100,000 GHS a week and 300,000 GHS a month, and each payout to South Africa is between 10 and 10,000 ZAR. The app shows your exact available limit before you send.
Can I send money from South Africa to Ghana?
MigraPay currently supports sending from Nigeria, Ghana, Canada, United States, France, Italy, Germany, Netherlands, Spain, United Kingdom. South Africa is a receive destination.
Fees, rates, payout methods and delivery times vary by amount, eligibility and how funds are paid in or received. The app shows the exact rate and fee before you confirm. Destinations listed are served through regulated partners. 26 destinations supported.