How to Send Money from Nigeria to Ghana: Methods, Rates and Fees

12 October 2026 - Naira Briefing

Trade and family ties between Nigeria and Ghana make naira-to-cedi one of West Africa’s busiest corridors. The cost comes down to the naira to cedi rate you get and how the money is paid out on the other side.

Get today’s live rate on WhatsApp

Edit the message below and tap send — we reply with the current rate and can handle the transfer end to end.

Best ways to send to Ghana

Apps (Lemfi, Grey, Afriex) — naira in, cedi out to a bank or mobile money wallet.
Mobile money (MTN MoMo, Telecel Cash) — the most common way Ghanaians receive.
FX partner for business-size payments to suppliers or branches.

Getting a fair naira-to-cedi rate

Cross-rates between two African currencies often carry a wider margin than dollar routes, so compare the cedi delivered per naira carefully. Our cross-currency converter lets you convert NGN to GHS at the live mid-market rate as a reference before you accept any quote, and sending money from Nigeria abroad covers the outbound rules.

Paying into Ghana from Nigeria? Message us — we handle NGN→GHS at a market-based rate, to bank or mobile money.

Sending money to Ghana?

We handle Nigeria-to-Ghana payments at a market-based rate, to bank or mobile money.

Get a NGN-GHS quote Convert NGN to cedi

Related guides

Tools to take this further

Send-money calculator

See how much naira actually arrives when money is sent home.

Remittance true-cost calculator

What a poor rate and fees really cost against the market rate.

See all money tools ›