Best Way to Send Money to Ghana from Finland (EUR to GHS)

Sending money from Finland to Ghana: what today's data shows

RemitFinder compares 13 providers and 80 ways to send money from Finland to Ghana. The mid-market rate is GHS 13.0486 per EUR. 6 providers have no-fee options. The fastest published delivery is instant.

🧭 What is the best way to send money to Ghana from Finland?

It depends on how you pay, how your recipient wants the money and how much you send. RemitFinder compares 13 providers offering 80 ways to send Euro (EUR) to Ghana Cedi (GHS).

🔀 Ways to receive:

Bank Account is the most widely offered way to receive, with 13 providers, followed by Mobile Wallet (7), Debit Card (3) and Cash Pickup (2).

💱 How to get the best EUR to GHS exchange rate?

The mid-market Euro to Ghana Cedi rate today is GHS 13.0486 per EUR. Providers add a markup to it, so compare the rate each one gives you, not the mid-market rate.

At that rate, EUR 1,000 is GHS 13,048.60, and each 1% of markup costs about GHS 130.49.

• 📊 Rates run from GHS 12.764 to GHS 13.3214 per EUR across all amounts. The top three rates are from Profee (GHS 13.3214 for transfers from EUR 1.95), Dahabshiil (GHS 13.1864 for transfers from EUR 12) and TalkRemit (GHS 13.1864 for transfers of EUR 12 to EUR 100,000).
• 📏 No typical markup. The median provider's best rate is 0.01% above the mid-market rate.
• ✅ 7 providers offer a rate above the mid-market rate on some amounts: Dahabshiil, MoneyGram, Profee, TalkRemit, Taptap Send, Wise and XE Money Transfer.

How your recipient gets the money changes the rate. The median provider's best rate is 0.21% above the mid-market rate for money received on a Debit Card, 0.11% above it in a Mobile Wallet, 0.01% above it in a Bank Account and 0.71% below it as Cash Pickup.

💸 What is the cheapest way to send money to Ghana from Finland?

It depends on the amount: fees and exchange rates change with how much you send, so the cards above rank every way to send at the amount you enter.

• 🆓 6 providers charge no fee on some ways to send or some amounts: Instarem, Key Currency, MoneyGram, Regency FX, Taptap Send and XE Money Transfer.

🏦 How to send money from Finland to Ghana through a bank?

12 providers accept payment by Bank Transfer. Your recipient can receive the money in a Bank Account with 13 providers.

• ⏱️ Money typically arrives in a Bank Account in 2–4 days, and Wise publishes instant delivery.
• 🧾 What you need: the recipient's full name, bank name and account number, plus the bank's code.

Find the bank code: SWIFT codes for banks in Ghana.

⚡ How to send money from Finland to Ghana fast?

The fastest published delivery arrives instantly, with MoneyGram (Cash Pickup) and Wise (Bank Account).

By the times providers publish, money can arrive instantly in a Bank Account, on a Debit Card or as Cash Pickup and in about 15 minutes in a Mobile Wallet.

• ⚡ How you pay can change the speed. With one provider, money arrives as Cash Pickup instantly when you pay by Credit Card, compared with within 30 minutes when you pay by Trustly.

Delivery times are those providers publish, or typical times for the delivery method where they publish none. Actual times can vary with identity checks, bank cut-off times and public holidays.

🏆 Which are the best money transfer companies to send money to Ghana from Finland?

There's no single best company: it depends on the amount and how you send. These are today's standouts, each by a measured figure.

• 💱 Profee, Dahabshiil and TalkRemit offer the highest exchange rates, from GHS 13.1864 to GHS 13.3214 per EUR.
• 🔀 Profee offers the most ways to send (18), followed by TalkRemit (12) and MoneyGram (11).
• 💵 MoneyGram and Ria Money Transfer offer Cash Pickup in Ghana.
• 🆓 6 providers have no-fee options.
• ⚡ MoneyGram and Wise publish the fastest delivery: instant.
• 🎁 4 providers have RemitFinder deals for this corridor.

Below are the details for each provider, in alphabetical order: its exchange rate, fees, ways to pay and receive, delivery times, limits and what your recipient gets.

Dahabshiil EUR to GHS exchange rate today

• 💱 Dahabshiil's Euro to Ghana Cedi exchange rate is GHS 13.1864 per EUR, 1.06% above the mid-market rate.
• 💸 Dahabshiil charges EUR 2.98 (1.5% + EUR 0.99 from EUR 200) when you pay from a Bank Account, by Credit Card or by Debit Card and EUR 1.99 (1.5% from EUR 200) when you pay by Mobile Wallet.
• 🏦 With Dahabshiil, you pay from a Bank Account, by Credit Card, by Debit Card or by Mobile Wallet, and your recipient gets the money in a Bank Account or in a Mobile Wallet.
• ⏱️ With Dahabshiil, money arrives in a Bank Account typically in 2–4 days and in a Mobile Wallet typically within 30 minutes.
• 📏 Dahabshiil accepts transfers from EUR 12 per transfer.
• 🎁 RemitFinder exclusive for Dahabshiil: Get first transfer free.

Instarem EUR to GHS exchange rate today

• 💱 Instarem's Euro to Ghana Cedi exchange rate runs from GHS 12.9679 to GHS 12.9875 per EUR. Its best rate applies to transfers up to EUR 2,000 and is 0.47% below the mid-market rate.
• 💸 Instarem charges no fee.
• 🏦 With Instarem, you pay from a Bank Account, and your recipient gets the money in a Bank Account or in a Mobile Wallet.
• ⏱️ With Instarem, money arrives in a Bank Account within 2 days and in a Mobile Wallet within 2 days.
• 📏 Instarem accepts up to EUR 5,000 per transfer.

Key Currency EUR to GHS exchange rate today

• 💱 Key Currency's Euro to Ghana Cedi exchange rate is GHS 13.0356 per EUR, 0.10% below the mid-market rate.
• 💸 Key Currency charges no fee.
• 🏦 With Key Currency, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Key Currency, money arrives in a Bank Account typically in 2–4 days.
• 📏 Key Currency accepts transfers from EUR 5,989.50 per transfer.

MoneyGram EUR to GHS exchange rate today

• 💱 MoneyGram's Euro to Ghana Cedi exchange rate runs from GHS 13.0394 to GHS 13.0756 per EUR. Its best rate applies to transfers up to EUR 5,000 and is 0.21% above the mid-market rate.
• 💸 MoneyGram charges no fee.
• 🏦 With MoneyGram, you pay by Credit Card, by Debit Card or by Trustly, and your recipient gets the money in a Bank Account, as Cash Pickup, in a Mobile Wallet or on a Debit Card.
• ⏱️ With MoneyGram, money arrives in a Bank Account within 30 minutes, as Cash Pickup instantly, in a Mobile Wallet within 30 minutes and on a Debit Card instantly.
• 📏 MoneyGram accepts up to EUR 5,000 per transfer.

Panda Remit EUR to GHS exchange rate today

• 💱 Panda Remit's Euro to Ghana Cedi exchange rate is GHS 12.8046 per EUR, 1.87% below the mid-market rate.
• 💸 Panda Remit charges EUR 5.99.
• 🏦 With Panda Remit, you pay from a Bank Account, by Debit Card or by Panda Remit Wallet, and your recipient gets the money in a Bank Account or in a Mobile Wallet.
• ⏱️ With Panda Remit, money arrives in a Bank Account in about 15 minutes and in a Mobile Wallet in about 15 minutes.
• 📏 Panda Remit accepts EUR 100 to EUR 3,500 per transfer.
• 🎁 RemitFinder exclusive for Panda Remit: Get 5 bucks off and zero fee.

Profee EUR to GHS exchange rate today

• 💱 Profee's Euro to Ghana Cedi exchange rate is GHS 13.3214 per EUR, 2.09% above the mid-market rate.
• 💸 Profee's fee depends on how you pay and how much you send.
• 🏦 With Profee, you pay from a Bank Account, by Debit Card, with Google Pay, with Apple Pay, by Klarna or by SEPA, and your recipient gets the money in a Bank Account, in a Mobile Wallet or on a Debit Card.
• ⏱️ With Profee, money arrives in a Bank Account typically in 2–4 days, in a Mobile Wallet typically within 30 minutes and on a Debit Card typically in 1–2 days.
• 📏 Profee accepts transfers from EUR 1.20 per transfer.
• 🎁 RemitFinder exclusives for Profee: Refer a friend: earn EUR 25, they earn EUR 5; Get 0 fee on first transfer.

Regency FX EUR to GHS exchange rate today

• 💱 Regency FX's Euro to Ghana Cedi exchange rate is GHS 13.0356 per EUR, 0.10% below the mid-market rate.
• 💸 Regency FX charges no fee.
• 🏦 With Regency FX, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Regency FX, money arrives in a Bank Account typically in 2–4 days.

Remitly EUR to GHS exchange rate today

• 💱 Remitly's Euro to Ghana Cedi exchange rate is GHS 13.0147 per EUR, 0.26% below the mid-market rate.
• 💸 Remitly's fee is not published for EUR to GHS transfers, so amounts here include an estimated fee.
• 🏦 With Remitly, you pay from a Bank Account, and your recipient gets the money in a Bank Account.
• ⏱️ With Remitly, money arrives in a Bank Account typically in 2–4 days.
• 📏 Remitly accepts up to EUR 20,000 per transfer.

Ria Money Transfer EUR to GHS exchange rate today

• 💱 Ria Money Transfer's Euro to Ghana Cedi exchange rate runs from GHS 12.8721 to GHS 12.8852 per EUR. Its best rate applies to transfers of EUR 100 to EUR 30,000 and is 1.25% below the mid-market rate.
• 💸 When you pay from a Bank Account, Ria Money Transfer charges EUR 2 when your recipient gets the money in a Bank Account and EUR 1.50 (EUR 3.50 from EUR 100.01) when your recipient gets the money as Cash Pickup. When you pay by Credit Card, Ria Money Transfer charges EUR 2 when your recipient gets the money in a Bank Account and EUR 1.50 (EUR 3.50 from EUR 100.01) when your recipient gets the money as Cash Pickup. When you pay by Debit Card, Ria Money Transfer charges EUR 2 when your recipient gets the money in a Bank Account and EUR 1.50 (EUR 3.50 from EUR 100.01) when your recipient gets the money as Cash Pickup. When you pay with Google Pay, Ria Money Transfer charges EUR 2 when your recipient gets the money in a Bank Account and EUR 1.50 (EUR 3.50 from EUR 100.01) when your recipient gets the money as Cash Pickup. When you pay with Apple Pay, Ria Money Transfer charges EUR 2 when your recipient gets the money in a Bank Account and EUR 1.50 (EUR 3.50 from EUR 100.01) when your recipient gets the money as Cash Pickup.
• 🏦 With Ria Money Transfer, you pay from a Bank Account, by Credit Card, by Debit Card, with Google Pay or with Apple Pay, and your recipient gets the money in a Bank Account or as Cash Pickup.
• ⏱️ With Ria Money Transfer, money arrives in a Bank Account typically in 2–4 days and as Cash Pickup typically within 2 hours.
• 📏 Ria Money Transfer accepts EUR 100 to EUR 30,000 per transfer.

TalkRemit EUR to GHS exchange rate today

• 💱 TalkRemit's Euro to Ghana Cedi exchange rate runs from GHS 12.764 to GHS 13.1864 per EUR. Its best rate applies to transfers of EUR 12 to EUR 100,000 and is 1.06% above the mid-market rate.
• 💸 TalkRemit's fee depends on how you pay and how much you send.
• 🏦 With TalkRemit, you pay from a Bank Account, by Credit Card, by Debit Card or by Mobile Wallet, and your recipient gets the money in a Bank Account, in a Mobile Wallet or on a Debit Card.
• ⏱️ With TalkRemit, money arrives in a Bank Account typically in 2–4 days, in a Mobile Wallet typically within 30 minutes and on a Debit Card typically in 1–2 days.
• 📏 TalkRemit accepts EUR 12 to EUR 100,000 per transfer.
• 🎁 RemitFinder exclusive for TalkRemit: Get first transfer free.

Taptap Send EUR to GHS exchange rate today

• 💱 Taptap Send's Euro to Ghana Cedi exchange rate is GHS 13.0635 per EUR, 0.11% above the mid-market rate.
• 💸 Taptap Send charges no fee.
• 🏦 With Taptap Send, you pay by Debit Card, and your recipient gets the money in a Bank Account or in a Mobile Wallet.
• ⏱️ With Taptap Send, money arrives in a Bank Account typically in 2–4 days and in a Mobile Wallet typically within 30 minutes.
• 📏 Taptap Send accepts up to EUR 160,000 per transfer.

Wise EUR to GHS exchange rate today

• 💱 Wise's Euro to Ghana Cedi exchange rate runs from GHS 13.0819 to GHS 13.1022 per EUR. Its best rate applies to transfers of EUR 2.44 to EUR 10,000 and is 0.41% above the mid-market rate.
• 💸 Wise's fee depends on how you pay and how much you send.
• 🏦 With Wise, you pay from a Bank Account, by Credit Card, by Debit Card, with Apple Pay or by iDeal, and your recipient gets the money in a Bank Account.
• ⏱️ With Wise, money arrives in a Bank Account instantly.
• 📏 Wise accepts EUR 2.44 to EUR 10,000 per transfer.

XE Money Transfer EUR to GHS exchange rate today

• 💱 XE Money Transfer's Euro to Ghana Cedi exchange rate is GHS 13.0495 per EUR, 0.01% above the mid-market rate.
• 💸 XE Money Transfer charges EUR 4 (no fee from EUR 1,000).
• 🏦 With XE Money Transfer, you pay from a Bank Account, by Credit Card or by Debit Card, and your recipient gets the money in a Bank Account.
• ⏱️ With XE Money Transfer, money arrives in a Bank Account typically in 2–4 days.
• 📏 XE Money Transfer accepts up to EUR 5,000 per transfer.

Limits are those providers publish to RemitFinder. What you can actually send depends on the provider's checks, your account and the rules in both countries.

🪜 Step by step guide to send money from Finland to Ghana

1. Compare providers. RemitFinder lists 13 providers and 80 ways to send; the cards above rank them for your amount.
2. Choose how to pay. You can pay by Trustly, from a Bank Account, by iDeal, by Klarna, by SEPA, by Credit Card, by Debit Card, with Apple Pay, by Panda Remit Wallet, with Google Pay or by Mobile Wallet.
3. Choose how your recipient gets the money. Bank Account (13 providers), Mobile Wallet (7 providers), Debit Card (3 providers) or Cash Pickup (2 providers), including AirtelTigo, CBG Cash Pickup, MTN, Telecel, Wallet (GHS) and Zeepay.
4. Check the limits. Published maximums start at EUR 3,500 per transfer. What you can send also depends on the provider's checks and the rules in both countries.
5. Sign up and verify your identity. Providers need ID before your first transfer.
6. Add your recipient's details. Name and Bank Account details, or their name as on their ID for Cash Pickup. Find the bank code: SWIFT codes for banks in Ghana.
7. Pay and track the transfer. The fastest published delivery arrives instantly. Money typically arrives in a Bank Account in 2–4 days.

Frequently Asked Questions: Sending money to Ghana from Finland

These FAQs use data from RemitFinder's live comparison of 13 providers for Finland to Ghana money transfers.

• How do I send money from Finland to Ghana?

  Compare 13 providers on RemitFinder, choose how you pay and how your recipient gets the money, then send online with the provider you pick.

• What is the best way to send money to Ghana from Finland?

  It depends on how you pay, how your recipient wants the money and how much you send.

• What is the cheapest way to send money to Ghana?

  6 providers charge no fee on some ways to send or some amounts, and the exchange-rate markup decides the rest. RemitFinder ranks every way to send by what your recipient gets, fees included.

• What is the EUR to GHS exchange rate today?

  The mid-market rate is GHS 13.0486 per EUR. Providers' rates run from GHS 12.764 to GHS 13.3214.

• Can I get a better rate than the mid-market EUR to GHS rate?

  Yes. Seven providers, led by Profee, Dahabshiil and TalkRemit, offer a rate above the mid-market rate on some amounts today, so your recipient can get more than your amount converted at the mid-market rate. Rates like these can depend on the amount, how you pay or a first-transfer offer, so check the provider's terms.

• How can I send cash to Ghana from Finland?

  MoneyGram and Ria Money Transfer offer Cash Pickup in Ghana. By published times, Cash Pickup can be ready instantly with MoneyGram.

• Which mobile wallets can receive money in Ghana?

  Dahabshiil, Instarem, MoneyGram, Panda Remit, Profee, TalkRemit and Taptap Send send to Mobile Wallet accounts in Ghana, including AirtelTigo, CBG Cash Pickup, MTN, Telecel, Wallet (GHS) and Zeepay.

• What is the fastest way to send money to Ghana?

  By their published times, MoneyGram and Wise deliver fastest, instantly.

• Can I send money from Finland to Ghana instantly?

  Yes. Three providers publish delivery within an hour on some ways to send.

• How much money can I send to Ghana from Finland?

  Each provider sets its own limits. The lowest published maximum is EUR 3,500, and 4 of 13 providers publish no maximum. Checks and the rules in both countries also apply.

• Can I send money to Ghana without fees?

  Yes, with Instarem, Key Currency, MoneyGram, Regency FX, Taptap Send and XE Money Transfer on some ways to send or some amounts. Check the exchange rate too, as a no-fee transfer can still carry a markup.

• Which providers send money from Finland to Ghana?

  RemitFinder compares 13 providers: Dahabshiil, Instarem, Key Currency, MoneyGram, Panda Remit, Profee, Regency FX, Remitly, Ria Money Transfer, TalkRemit, Taptap Send, Wise and XE Money Transfer.

• Which app is best to send money to Ghana?

  It depends on your amount and how you pay. RemitFinder compares 13 providers and ranks every way to send for the amount you enter.

• Why do providers charge different amounts to send money to Ghana?

  Each provider sets its own exchange-rate markup and fees, and both can change with how you pay, how your recipient gets the money and how much you send.