Send money to Ghana from Canada

Send money to Ghana, including Accra, Kumasi, and Tamale, with competitive CAD-to-GHS rates. Transfer to bank accounts, mobile wallets, or cash pickup providers — fast, secure, and always with zero hidden fees.

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FINTRAC regulated

How to send money from Canada to Ghana?

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Open your RemitBee account

Create your RemitBee account online or in the mobile app. Add your basic information, set up your profile, and prepare to send money to Ghana from Canada without visiting a bank branch or arranging a traditional wire transfer.

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Select Ghana as the destination

Choose Ghana, enter the amount in Canadian dollars, and review the available delivery methods. RemitBee supports bank deposits, mobile wallet transfers, and cash pickup for Ghana, so you can match the transfer to the way your recipient prefers to receive money.

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Add the recipient’s details

Enter the recipient’s full legal name exactly as it appears on their bank account, wallet, or identification. For bank deposits, add the bank name and account number. For mobile money, choose the wallet provider and enter the mobile number. For cash pickup, confirm the pickup option and recipient details carefully.

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Complete identity verification

Verify your identity to help protect your account and meet Canadian compliance requirements. You may be asked for government ID, address details, occupation information, or additional documents for larger transfers. Once verified, you can send within your available transfer limit.

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Choose how to pay from Canada

Fund your Canada to Ghana transfer by Debit Card, Interac e-Transfer, Bill Payment, EFT, Direct Withdrawal, or RemitBee CAD Balance. Use Debit Card when you want instant funding. Choose bank-funded methods when you are planning ahead and want lower fees.

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Confirm and track your transfer

Review the transfer fee, CAD to GHS exchange rate, delivery method, recipient details, and final Ghanaian cedi amount. After sending, track the transfer from your RemitBee account and save the receipt or transaction reference number for your records.

Cheapest way to send money to Ghana

The lowest-cost transfer to Ghana goes beyond the fee — it’s about how much GHS your recipient actually receives.
  • Debit Card funding is faster but usually costs more.
  • Always compare the final GHS payout, not just the fee.
  • Use Interac e-Transfer, EFT, Direct Withdrawal, or Bill Payment.
  • $0 transfer fee on eligible transfers over $500 CAD.
  • Transfers under $500 CAD incur a $2.99 CAD fee.

    Your true cost includes the exchange rate margin, payment method cost, and any recipient-side charges. Whether you're using RemitBee, Wise, Western Union, Remitly, WorldRemit, Sendwave, MoneyGram, or a bank, the best option is the one that delivers the most Ghanaian cedis.
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What's the best way to send money to Ghana? 

The best way to send money to Ghana depends on how your recipient wants to use the funds. Ghana has strong mobile money usage, but bank deposit and cash pickup are still important for many families, students, businesses, and urgent transfers.

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Bank transfer

Bank deposit is best for planned transfers, larger amounts, tuition, rent, business payments, savings, and formal account-to-account delivery. RemitBee supports transfers to major Ghana banks, including Absa Bank Ghana, CAL Bank, Ecobank Ghana, Fidelity Bank Ghana, First Atlantic Bank, GCB Bank, Prudential Bank, Universal Merchant Bank, and Zenith Bank Ghana.

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Cash Pickup

Cash pickup is useful when your recipient needs physical cash or does not have easy access to a bank account or mobile wallet. RemitBee supports cash pickup through providers such as Zeepay, Access Bank, Agriculture Development Bank, Consolidated Bank of Ghana, Eco Bank, Apex Rural Bank, First Atlantic Bank, and Republic Bank of Ghana.

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Mobile Wallet

Mobile wallet is often a practical choice for everyday support, quick access, and recipients who use mobile money regularly. RemitBee supports mobile wallet transfers to MTN Money and Airtel Money in Ghana. Enter the correct wallet provider and mobile number, because a wrong number can delay the transfer or send the money to the wrong place.

Available payment methods & speed 

Here’s how each payment option can fund your Canada to Ghana transfer, from quickest to slowest.

Instant
Debit

Use a debit card when your transfer needs to start right away. This is the fastest funding method, but it usually costs more than Interac e-Transfer, EFT, Direct Withdrawal, or Bill Payment.

About 15 Minutes
e-Transfer

Send RemitBee an Interac e-Transfer from your Canadian bank. Once received, the funds are credited to your RemitBee account and applied to your Ghana transfer.

1 Business day
Bill Payment

Pay RemitBee through the bill payment section of your Canadian online banking. This is useful for planned transfers, recurring family support, and amounts over $500 CAD.

1-2 Business day
EFT

Use EFT or Direct Withdrawal to move money from your Canadian bank account to RemitBee. This works well when you want a lower-cost funding method and do not need instant processing.

Frictionless transfers

Fastest way to send money to Ghana from Canada

Fast transfers to Ghana depend on choosing a quick funding method and entering accurate recipient details from the start.
  • Debit Card funding is typically instant.
  • Interac e-Transfer usually funds your account in about 15 minutes.
  • Faster than most traditional bank wire transfers.
  • CAD Balance can help speed up repeat transfers.

    For receiving in Ghana, different options can affect speed:
  • Mobile wallets (like MTN Money or Airtel Money) can be very fast
  • Cash pickup is useful for urgent access to physical cash.
  • Availability and local processing may impact timing

Transfer speed mainly depends on:

  • The payment method used in Canada
  • The delivery method chosen in Ghana

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Transparent Money Transfer Fees from Canada to Ghana

Want speed or zero fees? Break down Canada to Ghana transfer methods by how quickly they arrive, what they cost, and when each option makes the most sense.
Payment Method
Processing Time
Fees
Debit Card
Processed instantly. Best when you want the transfer funded right away and do not want to wait for bank processing.
Transfers below $500 CAD have a fee between $2.99 and $6.99 CAD. Transfers over $500 CAD are charged $8.99 CAD and up, depending on the transfer amount.
e-Transfer
Transfers below $500 CAD have a fee between $2.99 and $6.99 CAD. Transfers over $500 CAD are charged $8.99 CAD and up, depending on the transfer amount.
A $2.99 CAD fee applies for transfers under $500 CAD. Transfers over $500 CAD are free when funded by Interac e-Transfer.
EFT
Takes 1 to 2 business days. Best for planned bank-funded transfers, repeat payments, and larger support transfers.
Transfers below $500 CAD have a fixed $2.99 CAD fee. Transfers above $500 CAD are fee-free with EFT or Direct Withdrawal.
Bill Payment
Takes about 1 business day. Useful when you prefer paying through your Canadian online banking bill payment section.
Transfers below $500 CAD have a $2.99 CAD fee. Transfers over $500 CAD are fee-free when funded by Bill Payment.

Why RemitBee is the #1 app for sending money to Ghana

Sending money from Canada to Ghana should be easy to understand before you confirm. RemitBee gives Canadian senders several funding methods, competitive CAD to GHS exchange details, mobile wallet delivery, bank deposit, cash pickup, and real-time transfer tracking in one account.

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Built for Ghanaian family support

Many people send money to Ghana for parents, siblings, school fees, rent, medical costs, home projects, gifts, business help, or emergency support. RemitBee lets you send from your phone or computer, so you can help someone in Accra, Kumasi, Tamale, Takoradi, Cape Coast, or another part of Ghana without using a slow bank wire.

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Competitive CAD to GHS rates

The exchange rate decides how many Ghanaian cedis your recipient receives. A small difference in the CAD to GHS rate can matter when you send regularly or transfer larger amounts. RemitBee shows the rate and final payout before you confirm, helping you compare the real value of your transfer.

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Free transfers over $500 CAD

When you send more than $500 CAD and pay by Interac e-Transfer, EFT, Direct Withdrawal, or Bill Payment, your transfer can be fee-free. This is helpful for recurring family support, tuition, rent, medical costs, savings, and other planned transfers to Ghana.

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Flexible receiving options in Ghana

Your recipient can receive funds by mobile wallet, bank deposit, or cash pickup, depending on the transfer details you choose. This flexibility matters because one person may prefer MTN Money or Airtel Money, while another may need a bank deposit or a cash pickup provider nearby.

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Track every step

RemitBee shows your transfer details before you send and gives you status updates after confirmation. You can check the fee, exchange rate, final GHS amount, delivery method, and transaction reference from your account. This helps you keep records and update your recipient with confidence.  

Don't just take our word for it

We have thousands of happy Remitbee users to back us up

Unbeatable

What makes our customer experience exceptional

Questions can pop up at any time, and when dealing with transfers, you need answers right on spot — despite holidays, after hours, or peak seasons. Our support team bridges the gap between Canadian and Ghanaian banking systems seamlessly. 

Real people, instead of generic guides or chatbots 

We provide 24/7 multilingual support for Canadian families sending money to Ghana. The dedicated relationship managers handle complex transfers, while live chat resolves simple questions instantly. 

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Bank level security, without the bank level fees 

A team of cyber-security experts and developers have developed a battle-tested security system that protects your hard-earned money — having even the toughest hackers on darkweb scratch their heads.  
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FINTRAC Regulated

The Canadian government audits our operations regularly, with official oversight and same regulatory protection as major Canadian banks. 

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Fortified Fraud Detection

AI systems catch suspicious activity before it touches your family support payments with advanced monitoring running 24/7. 

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State of Art Encryption

We use SHA-256 RSA encryption to shield all data and to protect funds from hackers or scammers.

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100% Money-back Guarantee

Complete refund including all fees if money doesn't reach your family — every dollar your send is fully insured and accounted for. 

Apps to Send Money from Canada to Ghana

Remitbee is the best and most secure option when you send money from Canada to Ghana

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Frequently asked questions

Have questions? We have answers!

Why is RemitBee the best way to send money to Ghana?
How much does it cost to send money to Ghana?
How long does it take to transfer money to Ghana?
How can I pay for my money transfer to Ghana?
What currency will my recipient receive in Ghana?
Can I send money to MTN Money in Ghana?
Can I send money to Airtel Money in Ghana?
Can I send money to a Ghana bank account?
Can my recipient collect cash in Ghana?
Is mobile money better than bank deposit in Ghana?
Is it safe to transfer funds to Ghana using RemitBee?
How can I send money to Ghana for free?
Can I send Interac e-Transfer to Ghana?
Should I use a credit card to send money to Ghana?
What should I check before confirming a Canada to Ghana transfer?