Top 5 best apps for sending money to Ghana in 2025

Sending money to Ghana has never been more important, and even more competitive. With millions of Ghanaians living abroad in countries like the US, UK, Canada, and across the Middle East, remittances continue to be a lifeline for families, education, and business, and for those who go home every year during the holiday seasons, like summertime and Christmas. According to the reports, Ghana receives billions in remittances annually, making it one of the top African destinations for money transfers.

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The challenge? Choosing the right app. Between high fees, slow transfer times, and fluctuating exchange rates, the “best” app depends on what you value most: affordability, speed, or convenience. 

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To make that decision easier, we’ve reviewed the top 5 apps for sending money to Ghana in 202.

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1. TapTap Send 

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TapTap Send has become one of the most popular apps for sending money to Ghana, especially among Ghanaians in the US, UK, and Europe. It focuses on simplicity: you download the app, connect your card or bank, and send directly to Ghanaian mobile wallets like MTN MoMo or Vodafone Cash.

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Transfer time: Almost instant for mobile wallets.

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Fees & rates: TapTap Send doesn’t charge transfer fees, but their exchange rate margins are slightly higher compared to some competitors.

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Ease of use: Very beginner-friendly, with quick onboarding and direct mobile money integration.

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Availability: Works in many countries, but not globally (not yet available in some parts of Africa or the Middle East).

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Best for: Quick mobile money transfers when you’re abroad and don’t want to worry about hidden fees.

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2. MoMo (MTN Mobile Money) 

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MTN Mobile Money, popularly known as MoMo, is the most widely used financial service in Ghana. With millions of registered users, it’s the default option for many Ghanaians and African visitors for sending and receiving money.

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Transfer time: Instant (as long as the sender uses a partner platform).

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Fees & rates: Local MoMo transfers are cheap, but international remittances can have higher fees depending on the sending partner.

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Ease of access: Anyone with an African phone number can register for MoMo, making it highly accessible.

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Availability: Perfect for recipients in Ghana, but not an international app for senders. You’ll need a partner app to send from abroad.

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Best for: Recipients in Ghana who already use MoMo daily for bills, shopping, and transfers.

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3. Pesa 

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Pesa is quickly becoming a favourite for Africans sending money across borders,  and for good reason. With direct partnerships with banks, mobile money operators, and payment processors in Ghana, Pesa makes sending money to Ghana faster and cheaper than most legacy providers.

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Transfer time: Typically, same-day for bank deposits and instant for mobile money.

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Fees & rates: Pesa stands out with low transfer fees and highly competitive exchange rates, often beating bigger players—no inflated margins hidden in the rates.

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Ease of use: Simple mobile app, multi-currency wallets (including, GHS, USD, AED, CAD, GBP), and the ability to send directly to bank accounts or mobile wallets.

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Availability: Works for users in the UK, US, Canada, Nigeria, Dubai, and more with a growing global reach.

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Best for: People looking for the perfect balance of affordability and speed, especially if you send money regularly to Ghana.

‍4. Misan by Bamboo 

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Misan by Bamboo is newer in the money transfer space, but it’s carving out a niche by combining remittances with wealth-building. The app is designed for Africans abroad and connects to Bamboo’s existing investment platform.

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Transfer time: Fast for bank and wallet transfers, though not as instant as TapTap or MoMo.

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Fees & rates: Competitive, with a transparent fee structure. They’re positioning themselves as affordable, but rates can vary depending on the sending country.

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Ease of access: Smooth mobile experience, with an added advantage if you’re also interested in investments.

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Availability: Currently expanding — available in select sending corridors, but not as widely adopted yet.

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Best for: Younger, tech-savvy senders who want to combine money transfers with investment opportunities.

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5. Wise (formerly TransferWise) 

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Wise is a global name in money transfers, famous for its transparency. You see the real exchange rate (mid-market) with upfront fees before you send. While it’s not Africa-first, many Ghanaians abroad use Wise for its reliability.

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Transfer time: 1–2 business days for bank transfers. Not instant, but predictable.

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Fees & rates: Very transparent, with lower fees than banks. However, not always the cheapest compared to Pesa or TapTap.

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Ease of access: Excellent app and web platform, but you can’t send directly to Ghanaian mobile wallets — bank accounts only.

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Availability: Works in 160+ countries, but with restrictions (e.g., not available for users in Nigeria to send).

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Best for: Users who value transparency and don’t mind slower delivery to bank accounts.

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Which App Should You Use?

While many options exist for you to send money to Ghana, Pesa is still the best option when sending money to Ghana from wherever you are. Whether you’re in Canada, Dubai, the US, or Nigeria, you can send money to Ghana in minutes without incurring high fees or poor exchange rates.

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