Lyla Lindsey
There are several ways to send money from Australia to Ghana. The cheapest way is through an online provider, with WorldRemit, Remitly, and Ria Money Transfer being some of the most popular options. These services allow you to transfer funds from your debit card or prepaid card to your recipient's mobile wallet, bank account, or cash pick-up location. Sendwave is another popular option, allowing you to send money from your Visa or Mastercard debit card to mobile wallets in Ghana. Each of these services offers low fees, competitive exchange rates, and fast transfer times, making it convenient and affordable to send money from Australia to Ghana.
| Characteristics | Values |
|---|---|
| Cheapest way to send money | Online providers |
| Cheapest online provider | WorldRemit |
| Average cost of online transfers | 2.7% of the amount sent |
| Cheapest online services | -1.2% of the amount sent |
| Cheapest for cash pick-up in Ghana | Remitly |
| Average total cost to send to a bank account | -1.2% |
| Fastest provider | WorldRemit |
| Average fastest transfer time | Minutes |
| Total cost of the cheapest available option | -1.2% of the transferred amount |
| Total cost of the most expensive provider | 5.5% |
| Money transfer app | Sendwave |
| Money transfer app | Ria |
| Money transfer app | Taptap Send |
| Money transfer app | Remit Choice |
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What You'll Learn
Online money transfer services
When choosing an online money transfer service, it is important to consider the fees, exchange rates, transfer speed, security, and ease of use. Some popular online money transfer services for sending money from Australia to Ghana include:
- WorldRemit: This service offers fast and affordable money transfers to Ghana. According to Monito, WorldRemit was the cheapest provider in 56.4% of searches over the past three months. With WorldRemit, you can send money directly to your recipient's bank account or mobile wallet.
- Western Union: Western Union is a well-known and widely used money transfer service with a large agent location network. While sending money online with Western Union is generally more affordable, they also offer in-person transfers at their agent locations.
- Ria Money Transfer: Ria offers great rates and a low flat fee of $2.89 for transfers to Ghana. They have a network of locations across Ghana, allowing your recipient to choose between cash pickup or a bank deposit. Ria also has a mobile app that makes it easy to track transfers and find the closest Ria locations.
- Sendwave: Sendwave is a fast, low-cost, and secure online money transfer service. They offer an easy-to-use app that allows you to send money directly from your debit card to your recipient's mobile wallet, bank account, or cash pick-up location in Ghana. Sendwave is licensed and authorized to transmit money in several countries, including the US, Canada, the UK, and the EU.
- Taptap Send: Taptap Send is a regulated and authorized money transmission service available in the App Store and Play Store. With Taptap Send, you can send money to Ghana from the UK, EU, US, and Canada quickly and reliably.
- RemitChoice: RemitChoice offers instant and secure money transfers to bank deposits and mobile wallets in Ghana. They have an extensive network of cash pickup points across Ghana, ensuring that your recipient can collect funds instantly and securely. RemitChoice is authorized and regulated to conduct money transmission in multiple countries.
When using online money transfer services, it is important to carefully review the terms and conditions, including any applicable fees, transfer limits, and delivery times. Additionally, ensure that you have all the necessary information, such as the recipient's full legal name, city, and payout information (bank account details, mobile wallet number, or cash pickup location).
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International money orders
However, there are several disadvantages to this method. International money orders are generally expensive and slow. Additionally, you will need to know the recipient's precise address and contact details, which may not be readily available.
Compared to other methods, such as online money transfer services, international money orders may not be the most cost-effective or efficient option. Services like Ria offer great exchange rates and the convenience of transferring money through a mobile app or any of their participating locations worldwide.
Therefore, while international money orders are a viable option for sending money from Australia to Ghana, they may not be the most optimal choice due to their associated costs and slower transfer times.
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Bank transfers
Ria Money Transfer is a popular option for sending money to Ghana, with over 500,000 partner locations worldwide for cash pickup. They also offer mobile wallet deposits and bank deposits. Ria charges a low flat fee of $2.89 and offers great exchange rates with no hidden fees.
XE.com is another option for sending money from Australia to Ghana. They accept direct debit, bank transfers, and card payments. Transfers typically take 1-4 working days to arrive, and there may be a small fee, depending on the amount sent.
Other online money transfer services, such as WorldRemit, Sendwave, and Remitly, are also worth considering. These services often offer faster transfer times and more competitive fees and exchange rates compared to traditional banks.
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Mobile wallet services
Sendwave
Sendwave is a mobile app that allows users to send money from their debit cards or prepaid cards to mobile wallets in Ghana. The app offers rapid and affordable money transfers and is licensed as a money transmitter business in the countries it operates. Sendwave ensures the security of users' personal data by encoding all information entered into the app and sending it over an encrypted 256-bit connection. It also provides regular updates on transaction status, allowing users to track their transfers.
WorldRemit
WorldRemit is another popular online provider for sending money from Australia to Ghana. It has been recognised as the cheapest and fastest option in a significant number of searches on Monito.com, a platform that compares international money transfer services. With WorldRemit, users can benefit from low transfer costs and quick transfer times, making it a convenient choice for sending money to Ghana.
Remit Choice
Remit Choice offers a mobile wallet service that enables swift and secure international transfers from anywhere to Ghana. They are authorised and regulated to conduct money transmission globally, ensuring a reliable and safe transfer process.
Ria Money Transfer
Ria Money Transfer is a well-known service with a vast network of locations across Ghana. They offer both cash pickup and bank deposit options for recipients in Ghana. Ria provides a mobile app that allows users to check rates, enjoy faster repeat transfers, and locate the nearest Ria locations. The app also ensures transparency by displaying all costs and the amount of Ghanaian currency the recipient will receive before completing the transfer.
When choosing a mobile wallet service, it is essential to compare fees, exchange rates, transfer speeds, and security measures to find the most suitable option for your needs. These services provide a convenient and efficient way to send money from Australia to Ghana, offering ease of access to funds for recipients.
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Cash pickup services
There are several options available for cash pickup services when sending money from Australia to Ghana.
Remitly is a popular choice for money transfers to cash pickup locations in Ghana. Remitly has an average cost of 0.5% of the amount sent, which includes fees and the exchange rate margin.
Ria Money Transfer is another option, offering both cash pickup and bank deposit services in Ghana. Ria has a flat fee of $2.89 per transfer and allows you to track your transfer using a PIN or order number through their website or mobile app.
WorldRemit is a recommended provider for sending money from Australia to Ghana, with over 2,000 cash pickup locations in the country. They offer low fees, secure transfers, and 24/7 customer support.
Sendwave is an option for sending money from select countries in North America and Europe to Ghana. They offer rapid and affordable transfers to mobile wallets, bank accounts, and cash pickup locations.
When using these services, you will typically need to provide the recipient's full name, city, and payout information, such as the cash pickup location. It is important to ensure that all recipient details are correct, as it may be difficult to amend or stop the transfer once it has been made.
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Frequently asked questions
The cheapest way to send money from Australia to Ghana is through an online provider. WorldRemit is the cheapest provider for online transfers, while Remitly is the cheapest for transfers to a cash pick-up location in Ghana.
You can use a money transfer app such as Sendwave, Ria, Taptap Send, or Remit Choice. These apps allow you to send money from your debit card to your recipient's mobile wallet, bank account, or cash pick-up location in Ghana.
The information you need will depend on the transfer method. For an international money order, you will need the recipient's address and contact details. For an international bank transfer, you will need the recipient's account number and SWIFT/BIC code. For mobile app transfers, you will typically need the recipient's full legal name, phone number, and bank account information.
