Are you thinking of how to send money from Nigeria to Ghana? If yes, you are not alone. The good news is that sending money to Ghana has become easier than ever. With reliable fintech apps and digital wallets, you can transfer money safely within minutes and the money gets to the receiver in Ghana. Whether you’re supporting your family, paying a business partner, or sending funds for personal use, this guide explains every method in a simple, beginner-friendly way, so you can quickly initiate your transfer.
How To Send Money From Nigeria to Ghana
Let’s take a look at the basic ways of sending money from Naija to GH electronically and securely. The method include:
Now lets get to know each of the best ways to send money from Nigeria to Ghana one after the other.
1. Chipper Cash (Fastest Option for Beginners)
Chipper Cash is one of the most popular cross-border payment apps in Africa. It allows instant NGN to GHS transfers.
How to Send Money Using Chipper Cash
- Download Chipper Cash from Play Store or App Store.
- Register and complete identity verification.
- Fund your Chipper wallet with NGN.
- Select Send and choose Ghana.
- Enter recipient’s Chipper username or phone number.
- Confirm the amount and send.
Why is Chipper Cash preferable?
Chipper cash platform is easy for beginners with a good exchange rate. Besides offers instant transfer and support low or zero fees as the case maybe.
2. LemFi (Best for Sending Directly to Mobile Money and Bank Accounts)
LemFi supports transfers to Ghanaian mobile money wallets and bank accounts.
How to Use LemFi
- Download and sign up on LemFi.
- Complete KYC verification.
- Fund your NGN wallet.
- Select Ghana as a destination.
- Enter the mobile money or bank details.
- Send and confirm.
Why choose LemFi?
It has a simple and user-friendly interface, fast delivery when you initiate a transfer. In addition supports MTN, Vodafone, and AirtelTigo
3. Sendwave (Best for Mobile Money Transfers)
Sendwave is a trusted app for sending money directly to Ghanaian mobile money numbers from Nigeria.
How to Send With Sendwave
- Download Sendwave
- Create an account and verify ID
- Add your Nigerian debit card
- Enter recipient’s mobile money number
- Send the money securely, instantly the receiver gets the money in his or her mobile money account.
4. Eversend (Good for Multi-Currency Transfers)
Eversend works like a digital bank that supports many African currencies.
How it Works
- Verify your account
- Fund your NGN wallet
- Convert NGN to GHS (optional)
- Send to a Ghana mobile money wallet or Eversend user
5. Western Union & MoneyGram (Best for Cash Pickup)
These are traditional transfer services that allow the recipient to pick up cash in Ghana.
How to Send Money via Western Union
- Visit a nearby agent in Nigeria
- Provide your ID and receiver details
- Pay in Naira
- Share the tracking number with the recipient
How Much Does It Cost to Send Money?
The cost depends on the platform, transfer speed and exchange rate. Most fintech apps like Chipper Cash, LemFi, and Sendwave offer low fees, competitive exchange rates and faster delivery.
Requirements Needed to Send Money
Transferring money from Nigeria to Ghana is an express journey, certain requirements are needed and these include the following:
- Valid ID (NIN, BVN, Passport)
- Recipient’s phone number or bank details
- A funded wallet or valid debit card
Tips for Smooth Transfers
A smooth and a successful transfer happens if you meet these criteria mentioned below otherwise,something can go wrong.
- Double-check recipient’s phone or bank details
- Verify your account early
- Compare exchange rates
- Avoid untrusted platforms
- Keep your transaction receipt
Which Transfer Method Should You Choose?
| Purpose | Best Method |
| Instant transfer | Chipper Cash |
| Send to mobile money | LemFi or Sendwave |
| Business transfers | Eversend |
| Cash pickup | Western Union or MoneyGram |
Frequently Asked Questions
1. What is the fastest way to send money from Nigeria to Ghana?
- Chipper Cash, LemFi, and Sendwave are the fastest. Transfers usually arrive within minutes.
2. Can I send money from Nigeria to Ghana using my Nigerian bank?
- Most Nigerian banks do not support direct NGN to GHS transfer for individuals. You’ll need a fintech app like Chipper Cash or LemFi.
3. Can the receiver get the money in mobile money (MTN, Vodafone, AirtelTigo)?
- Yes. If the receiver is using any of these apps such as LemFi, Sendwave, and Eversend which support Ghana mobile money transfers.
4. Is it safe to send money through cellphone apps?
- Yes. Apps like Chipper Cash and LemFi are licensed, regulated, and widely used across Africa.
5. What details do I need to send money?
You need:
- Your valid ID
- Recipient’s phone number or bank/mobile money details
- A funded wallet
6. How long does it take for the money to reflect in Ghana?
- Most transfers reflect instantly, but Western Union/MoneyGram may take a few hours.
7. Can I send money directly to a bank account in Ghana?
- Yes. Apps like LemFi and Eversend support direct Ghanaian bank account transfers.
8. Are there hidden charges?
- Most fintech apps have zero hidden fees, but exchange rates vary.
9. What is the transfer limit?
- Limits depend on the app and your verification status. Fully verified accounts can send higher amounts.
10. Which app offers the best exchange rate?
- Rates differ daily, but Chipper Cash and LemFi usually offer the best NGN to GHS rates.
Conclusion
As you have read, we have discussed the various methods to send money to Ghana from Nigeria. With the right platform, sending money from Nigeria to Ghana is quick, secure, and stress-free. Whether you choose Chipper Cash, LemFi, Sendwave, or a traditional service, the process is simple and beginner-friendly. Just follow the steps above, verify your details, and your money will land safely in Ghana.
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