Currency pair
GHS → ZARSend money from Ghana
to South Africa
Send Cedis to South Africa through Divest. See the rand amount your recipient gets before you confirm, then it lands directly in their account.
4.7 rating · 300k+ registered users
Ghana to South Africa
Check today’s rate
1 GHS = 1.19 ZAR · no separate fee
They receive
Separate fee0.00 GHS
ArrivesSame day, often minutes
You save vs. a typical bank71.69 ZAR
Indicative rate; the live rate is shown in the app. Savings assume a typical bank rate about 3% below ours.
GHS → ZARThey receive into
Any major South African bank accountTypical arrival
Same day, often minutesPer transfer
Up to $10,000, more on VIPAbout this route
Ghana to South Africa, done properly
Popular with senders and recipients in Johannesburg, Cape Town and Durban.
Pay out to
For Ghanaians and South Africans moving money between Accra and Johannesburg, Divest replaces the pickup point and the slow wire with one rate and a direct bank deposit.
Sending Cedis to South Africa 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 Rand 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, an unnecessary extra step given how strong South Africa’s banking infrastructure already is.
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 rand 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
2,389.61 ZAR
You send2,000 GHS
Exchange rate1 GHS = 1.19 ZAR
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
South Africans in Ghana
Send home without a pickup point.
Business
Pay South African partners and suppliers.
Family support
Direct to their South African 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 pay for my course in Cape Town from my cedi balance. It's fast and clear.”
Ama DarkoStudent, Accra
Customer story
“Our South African partners get paid on time, every time.”
Yaw OforiBusiness owner, Kumasi
Customer story
“Sending rand used to be a hassle. Now it takes a couple of minutes.”
Adwoa AsanteDesigner, Accra
Got questions?
Our support team is available around the clock to help whenever you need it.
Contact supportYes, any major South African bank account.
Related pages
Money that moves
like you do.
Open your Divest Banking account and send to South Africa today.
4.7 star rating and over 3k ratings on the App Store