Currency pair
GHS → NGNSend money from Ghana
to Nigeria
Send Cedis to Nigeria through Divest. See the naira amount your recipient gets before you confirm, then it lands directly in their account.
4.7 rating · 300k+ registered users
Ghana to Nigeria
Check today’s rate
1 GHS = 100.65 NGN · no separate fee
They receive
Separate fee0.00 GHS
ArrivesSame day, often minutes
You save vs. a typical bank6,038.96 NGN
Indicative rate; the live rate is shown in the app. Savings assume a typical bank rate about 3% below ours.
GHS → NGNThey receive into
Any Nigerian bank accountTypical arrival
Same day, often minutesPer transfer
Up to $10,000, more on VIPAbout this route
Ghana to Nigeria, done properly
Popular with senders and recipients in Lagos, Abuja and Kano.
Pay out to
Cedis to naira is one of the most travelled routes in West Africa, and one of the most cash-heavy. Divest turns it into a quoted rate and a direct bank deposit, with no agent and no bag of notes at the border.
$21.8bn
sent home to Nigeria by the diaspora in 2025, slightly up on 2024.
Source: Central Bank of Nigeria, via Nairametrics (Jul 2026)
Sending Cedis to Nigeria shouldn’t mean guessing what actually arrives
Traditional transfer services often advertise a rate that isn’t the one you actually get. By the time a flat fee and a marked-up exchange rate are both applied, what lands in Naira can be meaningfully less than the headline number suggested.
01
The advertised rate and the rate actually applied at settlement aren’t always the same number.
02
Flat fees plus a currency markup can stack into a cost that’s hard to calculate until after you’ve sent.
03
Some services still require your recipient to visit a cash pickup location instead of depositing directly to their account.
04
Bank wires can take multiple business days to clear, with no visibility into where the money actually is.
05
“Instant” transfers don’t always mean what they imply. Some still involve a cutoff window or manual review.
How it works
Step 01
Enter the amount in Cedis
Step 02
See the naira amount your recipient gets
At the current rate, before you confirm.
Step 03
Send it
Step 04
It lands directly in their account
No cash pickup needed.
The rate you see is the rate you get
The cost is built into the exchange rate shown before you confirm, not added on after. What you see is what your recipient gets.
Your quote
Locked before you confirm
They receive
201,298.70 NGN
You send2,000 GHS
Exchange rate1 GHS = 100.65 NGN
Separate fee0.00 GHS
Indicative rate. Your quote is locked at the live rate when you confirm.
What you get
One rate, no surprises
What you see before sending is what actually lands.
Direct to account
No cash pickup, no extra stop for your recipient.
Fast delivery
Same-day or within minutes, not days.
What you’re actually comparing Divest to
Speed, cost and transparency, side by side.
SpeedDivestSame day, often minutesA remittance serviceCutoff windows, reviews or cash pickupA bank wireMultiple business days
CostDivestOne rate, no separate feeA remittance serviceA flat fee plus a marked-up rateA bank wireCorrespondent fees and a markup
TransparencyDivestExact amount shown before you confirmA remittance serviceAdvertised rate isn’t always the rate appliedA bank wireLittle visibility while in transit
Who it’s for
Nigerians in Ghana
Send support home from Accra or Kumasi.
Cross-border traders
Settle with Nigerian suppliers in Lagos and Kano.
Family support
Direct to any Nigerian bank account.
Why choose Divest
What you see is what lands
No gap between quote and delivery.
No pickup required
Funds go straight to the account.
Built for regular sending, not just one-off transfers.
What customers say
Customer story
“I send money to my in-laws in Lagos, and it arrives in Naira the same day.”
Akosua FrimpongBanker, Accra
Customer story
“Paying suppliers in Nigeria from Ghana used to mean cash and middlemen. Not any more.”
Kwabena OwusuTrader, Kumasi
Customer story
“The rate is shown before I send, so I know exactly what lands.”
Abena SarpongEntrepreneur, Accra
Got questions?
Our support team is available around the clock to help whenever you need it.
Contact supportBank transfer from your Ghanaian account is always available. Where we support MTN Mobile Money top-ups, you’ll see it as an option when you fund your cedi balance in the app.
Related pages
Money that moves
like you do.
Open your Divest Banking account and send to Nigeria today.
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