Sending money to Ghana from United Kingdom

The World Bank surveyed 11 providers on this corridor. On £120 the cheapest costs -0.98% of what you send and the dearest 41.72%. Enter your own amount below — the ranking changes with it.

Cheapest surveyed

CashMinute

£-1.18 to send £120 (-0.98%)

The dearest would cost you

£51.24

more, for the same transfer

Every provider, ranked at £120

The fee and the exchange-rate margin are shown separately on purpose. A transfer advertised as "no fee" can still be the expensive one, because the margin is where the cost hides.

Provider	Type	Fee	FX margin	Total cost	% of transfer
CashMinute Next day	Money Transfer Operator	£0.00	£-1.18	£-1.18	-0.98%
Unity Link Less than one hour	Money Transfer Operator	£0.00	£0.85	£0.85	0.71%
WorldRemit Less than one hour	Money Transfer Operator	£0.00	£1.09	£1.09	0.91%
Remitly Less than one hour	Money Transfer Operator	£0.00	£1.19	£1.19	0.99%
TapTap Send Less than one hour	Money Transfer Operator	£0.00	£1.24	£1.24	1.03%
Sendwave Next day	Money Transfer Operator	£0.00	£1.54	£1.54	1.28%
MoneyGram Less than one hour	Money Transfer Operator	£0.00	£1.88	£1.88	1.57%
Ace Money Transfer Less than one hour	Money Transfer Operator	£2.00	£0.79	£2.79	2.33%
Ria Less than one hour	Money Transfer Operator	£3.00	£0.76	£3.76	3.13%
Western Union Less than one hour	Money Transfer Operator	£1.99	£5.05	£7.04	5.87%
ATL Money Transfer 3-5 days	Money Transfer Operator	£3.60	£46.46	£50.06	41.72%

A cost below zero is not a mistake. On competitive corridors a provider will occasionally pay a better exchange rate than the mid-market benchmark and charge no fee, so you receive slightly more than the benchmark says you should. It is a promotional position rather than a permanent one, and it is the first thing to change between surveys.

How to read these numbers

The cost of a transfer is the fee plus the margin the provider takes on the exchange rate. The margin is invisible at the counter: you are quoted a rate, not the difference between that rate and the interbank one, so a "free" transfer can quietly cost more than one with a fee attached. Both are separated in the table above.

Percentages fall as the amount rises wherever a provider charges a flat fee, which is why the same provider can be the cheapest at one amount and not at another. That is exactly what the calculator is for — the ranking above is computed at your amount, not at a fixed one.

Source: The World Bank, Remittance Prices Worldwide, available at https://remittanceprices.worldbank.org — survey period 2025 Q1, field-collected to 11 March 2025. Licensed CC BY 4.0. These are surveyed benchmark costs from a dated quarterly study, not live quotes, and providers change pricing between surveys — check the current cost with the provider before you send. The World Bank does not endorse this use of its data. This is general information, not financial advice.