How Ghanaians in The Diaspora Use Pesa for Easy Money Transfer

Ghanaians in the diaspora contribute far more than financial aid; their remittances are a key driver of the country’s economy. These funds cover a range of expenses, including school tuition, healthcare, family upkeep, and business growth. In 2023 alone, Ghana received around $4.7 billion in remittances, according to the World Bank, ranking the country among the top remittance destinations in Sub-Saharan Africa.

But while the need to send money is constant, the process hasn’t always been smooth. High fees, long delays, and hidden charges have frustrated many in the diaspora. That’s where Pesa comes in —a modern, digital-first solution that makes cross-border money transfers simple, transparent, and fast.

In this article, we’ll explore how Ghanaians in the diaspora use Pesa for easy money transfer, the key benefits, and why it’s quickly becoming the go-to choice.

1. Fast and reliable transfers

Traditional remittance methods can take days to process, especially when intermediaries or local agents are involved. With Pesa, transfers are completed in minutes, not days. Ghanaians abroad can send funds instantly to recipients in Ghana, giving them peace of mind that urgent needs are met without delay.

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2. Affordable and transparent fees

High transfer fees have long been a challenge for Africans abroad. Many providers advertise low fees but add hidden charges or unfavourable exchange rates. Pesa eliminates hidden costs by offering transparent, zero-fee transactions and competitive exchange rates, ensuring that more of your money reaches your loved ones back home.

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3. Multi-Currency account support

Diaspora Ghanaians often earn in currencies like the US Dollar, British Pound, Euro, or Canadian Dollar, but their families back home need Ghanaian Cedis (GHS). With a multi-currency digital account, Pesa makes it easy to send and receive money across currencies. Users can even hold funds in foreign currency and convert them when exchange rates are most favourable, which helps hedge against inflation and currency depreciation in Ghana.

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4. Direct to mobile money (MoMo)

One of the most significant advantages of Pesa is its integration with local payment systems. Funds can be received directly into mobile money wallets (like MTN Mobile Money or AirtelTigo) or bank accounts in Ghana. This flexibility ensures that recipients don’t need to travel far or queue at an agent’s office — they get the money straight into their preferred account.

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5. Supporting family and social obligations

Money sent home is often used for:

Education: covering tuition and school supplies

Healthcare: supporting with hospital bill payments. 

Household support: rent, groceries, and utilities‍

Community projects: church contributions, funerals, and weddings

By using Pesa, Ghanaians abroad can ensure that their contributions reach home quickly and safely, regardless of the purpose.

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6. Easy access via mobile app

Living abroad means balancing multiple responsibilities. Pesa offers a user-friendly app that makes money transfer as easy as sending a message. Diaspora Ghanaians can set up an account, send funds, track transactions, and get real-time notifications,  all from their phone.

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7. Business transfers

It’s not only individuals sending money home. Many diaspora Ghanaians are also investing in small businesses, real estate, and more in Ghana. Pesa supports higher-value transfers with the same transparency and speed, helping investors fund opportunities at home without worrying about delays or losses.

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8. Safe & secure transactions

Security is a major concern when sending money internationally. With Pesa, transactions are protected by bank-grade encryption and compliance with international financial regulations. Ghanaians abroad can trust that their money will arrive safely, without risk of fraud or interception.

Why Ghanaians Abroad Choose Pesa

✅Speed – transfers in minutes

✅Fair pricing – no hidden charges

‍✅Multi-currency accounts – better control over exchange rates

‍✅Convenience – direct to mobile money and bank accounts

‍✅Security – trusted, regulated, and safe

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By offering speed, transparency, security, and flexibility, Pesa is making money transfer easier than ever before. For Ghanaians abroad in the UK, US, Canada, Europe, or beyond, Pesa is not just another remittance service — it’s a smarter, digital-first way to stay connected to home.