Send money from United States to Ghana
US Dollar to Ghanaian Cedi at the live rate, paid out in minutes to Bank transfer and Mobile money.
Live USD to GHS rate
1 USD = 11.38 GHS
1,000 USD = 11,380 GHS
- Fee on 1,000 USD
- 0 USD
- Delivery
- In minutes
Rate as of . Refreshes every 5 minutes.
Convert and send
Live rateYou send
They receive
Rate refreshes automatically
USD to GHS exchange rate history
Market rate over time, with the high, low and average for any period you pick.
How to send USD to GHS 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 USD to GHS rate and add a recipient
Enter how much USD you want to send. The app shows the live GHS 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 GHS payouts arrive in minutes, and you get a notification when the money lands.
How your recipient gets paid in Ghana
Payout options for Ghana include Bank transfer, Mobile money (mobile money networks such as MTN Mobile Money, Vodafone Cash, AirtelTigo Money). The app shows exactly what is available for your recipient before you confirm, and most payouts arrive in minutes.
- Bank transfer
- Mobile money
MTN Mobile Money
Vodafone Cash
AirtelTigo Money
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.
Competitor trademarks belong to their respective owners. No affiliation or endorsement is implied.
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Sending money from United States to Ghana: FAQ
How much does it cost to send money from United States to Ghana?
MigraPay charges zero transfer fee on 1,000 USD right now, and the GHS 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 United States to Ghana take?
Most transfers to Ghana are delivered in minutes to Bank transfer or Mobile money. Bank transfers can take longer depending on the receiving bank and the time of day.
What USD to GHS exchange rate does MigraPay use?
Today 1 USD = 11.38 GHS (as of 10 Sept 2026, 21:02 UTC). MigraPay quotes its live rate at the moment you confirm and locks it, so the GHS amount you see is the amount delivered.
What does my recipient in Ghana need?
For a bank payout, their name and account details. For mobile money, the phone number registered with their wallet (such as MTN Mobile Money or Vodafone Cash). Recipients do not need a MigraPay account.
Is there a limit on how much I can send from United States to Ghana?
Standard limits from United States are 3,000 USD a day, 6,000 USD a week and 9,000 USD a month, and each payout to Ghana is between 1 and 5,000 GHS. The app shows your exact available limit before you send.
Can I send money from Ghana to United States?
Yes. See the Ghana to United States page for the live GHS to USD rate and fees.
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.