Sending money from Ghana to Nigeria is much easier today than it used to be. Whether you’re supporting family, paying a business partner, or settling an online purchase, there are now several fast, safe, and convenient ways to move money across both countries. In this guide, you’ll learn the easiest methods, how long they take, the requirements, and the best option for your situation.
How to send money from Ghana to Nigeria
The various methods of sending money from the African country to Nigeria are broken down into the following to make it easy to understand which service is best for you. These include:
But before you think of initiating a transfer, there are some requirements that will enable you to start the process to completion stage. The section below talks about the few necessary things.
What You’ll Need before Sending Money
To complete any transfer from Ghana to Nigeria, you will need a few basic things:
- A valid ID such as a Ghana Card, passport, or driver’s license
- A smartphone with internet access
- The recipient’s details (bank name and account number, mobile wallet tag, or phone number)
- Money in your bank account, mobile money wallet, or card
The requirements may vary slightly depending on the method you choose. So let’s move to the available ways of sending money GH to Naija.
1. Using Money Transfer Apps
This is the most popular option among users because it is fast, simple, and works directly from your phone. Several apps now support Ghana-to-Nigeria money transfers, and most payments reflect instantly.
- Chipper Cash
A lot of people in Ghana and Nigeria use Chipper Cash for everyday cross-border transfers. After downloading the app, you only need to verify your identity, fund your wallet using mobile money, and then send the money to the recipient’s Chipper tag or phone number. Transfers usually reflect in minutes and the charges are low.
- Sendwave
Sendwave is also very reliable for sending money from Ghana into Nigeria. You simply install the app, add your Ghanaian debit card, enter the recipient’s Nigerian bank details, and send. The money goes directly into their bank account. The platform is known for its ease of use and good customer support.
- LemFi (Lemonade Finance)
LemFi is another medium to transfer money. The app is designed specifically for African cross-border payments. After you have downloaded and installed, verification is quick, and once your Ghana wallet is funded, you can send money straight to Nigerian bank accounts. The app offers good exchange rates and fast delivery times.
2. Sending Money through AfriCash (UBA)
If you prefer a bank-based method instead of a mobile app, AfriCash is a solid option. AfriCash is a remittance service powered by UBA, and it supports transfers between Ghana and Nigeria.
To use it, you’ll need to walk into a UBA branch in Ghana and fill out an AfriCash transfer form. The bank will ask for your ID, the recipient’s details, and the amount you want to send. The money can either go straight to a Nigerian bank account or be picked up in cash at a UBA branch in Nigeria. This method is regulated, secure, and ideal for people who prefer dealing directly with a bank, although it is not as convenient as using an app because you must visit the bank physically.
3. Bank to Bank Transfers
The good news is that some banks in Ghana, especially those with a strong regional presence like Ecobank, UBA, Access Bank, and Standard Chartered, support international transfers to Nigerian accounts through SWIFT.
This type of transfer may take one to three working days, depending on the bank’s processing time. It is more suitable for business payments or large amounts, but not the fastest option for personal use.
4. Mobile Money to Bank Transfers via Fintech Services
A few emerging platforms now allow you to fund your transfers using Ghanaian mobile money (MTN MoMo, Vodafone Cash, AirtelTigo Money) but deliver the money to Nigerian bank accounts. The process is straightforward: you sign up on the chosen app, verify your identity, fund your account using MoMo, and then send to Nigeria. This method is popular because it combines the convenience of mobile money with the speed of fintech transfers.
How Long Transfers Take
The delivery time depends on the method you choose. Most mobile apps send money instantly or within a few minutes. AfriCash also processes fast, especially when the recipient is using a UBA account. Traditional bank transfers take longer, usually between one and three working days.
How Much It Costs
Transfer fees vary by platform. Many apps now offer very low charges or even zero-fee transfers for small amounts. Banks, however, tend to charge higher fees because of SWIFT processing. Using mobile money–based fintech apps generally gives you better exchange rates and cheaper fees.
Is It Safe?
All the methods listed here are safe as long as you use trusted platforms. Avoid giving out your PIN or OTP to anyone. Always double-check the recipient’s details before confirming a transfer. If you are using a bank-based service like AfriCash, ensure you go to an official UBA branch.
Which Method Is Best?
The best method depends on what you want:
- If you want speed and convenience, use Chipper Cash, LemFi, or Sendwave.
- If you want a safe, bank-operated method, AfriCash is reliable.
- If you’re sending large amounts or business payments, bank transfers may work better.
Frequently Asked Questions
Can I send money directly from MTN mobile money to Nigeria?
- Not directly, but you can fund apps like Chipper Cash or LemFi with MoMo and send from there.
Does AfriCash work in Ghana and Nigeria?
- Yes. AfriCash supports Ghana-to-Nigeria transfers and allows recipients to receive money in their bank account or pick up cash at any UBA branch.
How long does sending money take?
- Transfers through apps are almost instant. Bank transfers take longer.
Do I need a bank account?
- No. Many apps allow transfers using mobile money or debit cards.
Conclusion
Sending money from Ghana to Nigeria is now fast, straightforward, and affordable. Whether you choose a mobile app, a bank transfer, or a service like AfriCash, the process is much simpler than it used to be. Pick the method that suits your needs and budget, double-check the recipient details, and your money will get to Nigeria safely.
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