How to Send Money Between Ghana and the UK in 2025 | Fast, Safe & Low Fees
In today’s connected world, transferring money internationally is more than a convenience—it’s a necessity. Whether you’re supporting family, running a business, or managing personal finances, understanding the best ways to send and receive funds between Ghana and the UK is crucial.
If you’re looking for fast, secure, and affordable ways of sending money from Ghana to the UK—or the other way around—this guide will help you explore all the available options in 2025.
Sending Money from Ghana to the UK
Why Send Money from Ghana to the UK?
Whether you’re a parent paying tuition fees, a business managing imports, or a freelancer working with UK-based clients, transferring money from Ghana to the UK is increasingly common. However, many Ghanaians are unsure about the safest and most affordable methods.
1. Bank Transfers via International Wire
Most Ghanaian banks, including Ecobank, Stanbic, and GTBank, offer SWIFT transfers. However, these can be expensive and slow, often taking 3–5 working days and attracting high fees and unfavorable exchange rates.
Pros:
- Secure
- Regulated
Cons:
- Expensive
- Slow transfer times
2. Mobile Money to Bank Account (Through Third-Party Apps)
As mobile money usage expands in Ghana, some services now allow mobile money to be linked to international transfers. While this method is still emerging for outbound transfers to the UK, providers such as Revolut are starting to allow users in Ghana to fund transfers via local cards or bank accounts.
3. Cryptocurrency
Some individuals are turning to crypto (like USDT or Bitcoin) to send money abroad. This is riskier and not regulated, so it’s not generally recommended unless both sender and receiver are familiar with the technology and accept the volatility.
Sending Money from the UK to Ghana
The Most Common Transfer Direction
More often, people are looking to send money from the UK to Ghana. Whether you’re a member of the Ghanaian diaspora supporting family or a business paying vendors, there are now fast and affordable solutions.
1. WorldRemit
WorldRemit is one of the most popular platforms for sending money to Ghana from the UK.
What you get:
- Transfer to MTN Mobile Money, Vodafone Cash, or AirtelTigo
- Cash pickup at banks like Zenith or Access Bank
- Bank deposits
Pros:
- Instant transfers
- Easy mobile interface
- Excellent exchange rates
2. Remitly
Remitly specializes in speed and affordability. With a few taps, users can transfer directly to Ghanaian bank accounts or mobile money wallets.
Perks:
- First-time user promotions (zero fees)
- Clear delivery time estimates
- Excellent support
3. Taptap Send
Taptap Send is popular with the Ghanaian community in the UK because it allows fee-free transfers straight to mobile money accounts.
Pros:
- No fees
- Simple app-based process
- Great exchange rates
Tip: You’ll need a UK debit card to use Taptap Send.
Mobile Money from UK to Ghana
What is Mobile Money?
Mobile money allows users in Ghana to receive funds via their phones without needing a bank account. Services like MTN Mobile Money, Vodafone Cash, and AirtelTigo Money are used for everything—from paying for groceries to saving.
How to Send Mobile Money to Ghana from the UK
Several services support direct mobile money transfers. Here’s how:
✅ Platforms That Support Mobile Money:
- WorldRemit
- Remitly
- Taptap Send
These services typically only require the recipient’s phone number (linked to their mobile money wallet).
⚙️ Step-by-Step:
- Choose a platform and sign up.
- Select Ghana as the recipient country.
- Choose ‘Mobile Money’ as the delivery method.
- Enter the recipient’s mobile number.
- Pay using a UK debit/credit card or bank account.
Transfers often arrive within minutes, making this a top choice for urgent needs.
Cambridge Currencies: A Reliable Money Transfer Partner
If you’re looking for personalized, transparent, and business-friendly money transfers between Ghana and the UK, Cambridge Currencies is your ideal partner.
Why Use Cambridge Currencies?
Unlike large generic transfer services, Cambridge Currencies offers tailored foreign exchange and remittance services for:
- Individuals sending money to family
- Businesses handling cross-border transactions
- Freelancers or remote workers getting paid from abroad
Benefits Include:
- Low transfer fees
- Real-time exchange rates
- One-on-one support
- Fast processing for both GHS and GBP transactions
- Compliance with FCA and Ghanaian financial authorities
Whether you’re transferring money from the UK to Ghana or vice versa, Cambridge Currencies ensures your money gets where it needs to go—with clarity and peace of mind.
Comparing Top Money Transfer Services
| Service | UK ➡️ Ghana | Ghana ➡️ UK | Mobile Money | Transfer Speed | Fees |
|---|---|---|---|---|---|
| WorldRemit | ✅ | ❌ | ✅ | Minutes | Low |
| Remitly | ✅ | ❌ | ✅ | Minutes | Low–Med |
| Taptap Send | ✅ | ❌ | ✅ | Minutes | None |
| Revolut | ❌ | ✅ | ❌ | 1–3 days | Medium |
| Bank SWIFT | ✅/✅ | ✅ | ❌ | 3–5 days | High |
| Cambridge Currencies | ✅ | ✅ | ✅ (soon) | Fast | Competitive |
Tips for Safe and Efficient Money Transfers
- Always double-check recipient info – A single typo can delay transfers.
- Compare fees and exchange rates – Especially for large amounts.
- Use trusted platforms – Avoid unknown websites or unregulated apps.
- Beware of scams – Only send money to people or businesses you trust.
- Track your transfer – Most services let you see status updates in real-time.
First-Time Checklist for Sending Money to Ghana
- ✅ Valid government ID (for platform verification)
- ✅ UK debit or credit card
- ✅ Recipient’s name and mobile number
- ✅ Choose your transfer method: Bank, mobile money, or cash pickup
- ✅ Compare fees using tools like Monito
- ✅ Track your transfer after you send
Final Thoughts
Transferring money between Ghana and the UK has never been easier. Thanks to mobile money, low-cost apps, and reputable services like Cambridge Currencies, you can send and receive funds with confidence, speed, and savings.
Whether you’re a student, a business owner, or just sending money home, the right platform can make all the difference. And for those looking for a trusted partner in foreign exchange, Cambridge Currencies is ready to support your cross-border goals—every step of the way.
Ready to transfer?
Visit Cambridge Currencies today to start your secure and affordable transaction between Ghana and the UK.