How to send money to Ghana from Germany and the UK

Straight to mobile money or a bank account in minutes: what to compare, how to stay safe, and the app we recommend.

Last updated: 19 October 2026

School fees, a parent's medicine, a family funeral, a building project back home: sending money to Ghana is something most of us do every month. Today you can send from Germany or the UK straight to a mobile money wallet or bank account in Ghana in minutes, from your phone. This guide explains how it works, what to compare and how to stay safe.

⚠️ General information, not financial advice. Exchange rates, fees and limits change daily. Always check the amount your recipient will get before you confirm a transfer.

On this page

Ways to send money to Ghana
What to compare before you send
Our pick: Taptap Send
Staying safe

Ways to send money to Ghana

Method	How your family receives it	Good to know
Money transfer app	Mobile money wallet (MTN, Telecel, AirtelTigo) or bank account	Usually the fastest and cheapest. You pay with your debit card.
Bank transfer	Ghanaian bank account	Often slower, with higher fees and a weaker exchange rate.
Cash pick-up	Cash at an agent location	Useful if the recipient has no wallet or account, but they have to travel to collect it.

Most Ghanaians now receive money on mobile money: it arrives on their phone and can be spent, withdrawn at an agent or moved to a bank account.

What to compare before you send

The amount your recipient gets in cedis. This is the number that matters. A "no fee" offer with a weak exchange rate can cost more than a small fee with a good rate.
Speed. Mobile money transfers through apps often arrive within minutes; bank transfers can take longer.
Limits. Apps have limits per transfer and per month, and may ask for documents for larger amounts.
Regulation. Use a provider that is licensed where you live, for example by the FCA in the UK or an EU financial regulator if you send from Germany.
The recipient's details. The name on the mobile money wallet should match the name you enter.

Our pick: Taptap Send

📣 Advertising notice (referral): GhanaChild recommends Taptap Send and shares a referral code. If you sign up with our code, you and GhanaChild may both receive a bonus from Taptap Send. It costs you nothing extra, and we only recommend services we use ourselves.

Taptap Send is a money transfer app built for sending money to Africa. According to Taptap Send:

Where you can send from: the UK, the EU (including Germany), the US, Australia, Canada and the UAE.
How your family receives it: MTN Mobile Money, AirtelTigo, Telecel (formerly Vodafone Cash) or any Ghanaian bank account.
Fees: no transfer fee for sending to Ghana. Like every provider, it earns money on the exchange rate, and the app shows exactly how many cedis your recipient will get before you send.
Speed: Taptap Send says 96% of its transfers are received in under a minute.
Limits per transfer: up to GHS 15,000 to mobile money and GHS 30,000 to a bank account.
Paying: with a Visa or Mastercard debit card in your own name.

Use our referral code on your first transfer:

WILLIAM1288

Get Taptap Send →

How to use the code

Download Taptap Send from the App Store or Google Play and create your account.
Start your first transfer and enter the amount.
Tap "Have a referral code?" and enter WILLIAM1288.
Finish the transfer. The code only works if you add it before your first transfer; it can't be added afterwards. A minimum amount may apply, and the app shows the current bonus.

Staying safe

Only send to people you know. Be careful with "investment", romance or "urgent help" requests from people you have only met online.
Double-check the number and name before you confirm. A wrong mobile money number is hard to reverse.
Never share your app login, card details or one-time codes with anyone, even someone who says they work for the provider.
Use the official app from the App Store or Google Play, not links sent to you on WhatsApp.
Keep your receipts for larger amounts, for example for school fees or building work.

Sending goods instead of money? Read our guide to shipping to Ghana from Germany and the UK.

Sources: Taptap Send — Send money to Ghana · Taptap Send Help — How referral codes work · Taptap Send — Referral programme terms

Frequently asked questions

What is the cheapest way to send money to Ghana from Germany or the UK?

Compare the amount in cedis your recipient will receive, not just the fee. Money transfer apps that pay out to mobile money are usually cheaper and faster than bank transfers.

Can I send money directly to MTN Mobile Money from abroad?

Yes. Apps such as Taptap Send pay out to MTN Mobile Money, AirtelTigo and Telecel wallets, and to Ghanaian bank accounts.

How do I use the GhanaChild referral code for Taptap Send?

When you start your first transfer in the Taptap Send app, tap 'Have a referral code?' and enter WILLIAM1288. It must be added before your first transfer is sent.

How fast does money arrive in Ghana?

Transfers to mobile money through apps often arrive within minutes. Taptap Send says 96% of its transfers arrive in under a minute. Bank transfers can take longer.

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