Send money from Nigeria
to Ghana

Send Naira to Ghana through Divest Exchange. See the cedis your recipient gets before you confirm, then watch it land, with no correspondent bank in between.

4.7 rating · 300k+ registered users
Nigeria to Ghana
Check today’s rate
Indicative rate
1 NGN = 0.009935 GHS · no separate fee
They receive
993.55
Separate fee0.00 NGN
ArrivesIn seconds
You save vs. a typical bank29.81 GHS

Indicative rate; the live rate is shown in the app. Savings assume a typical bank rate about 3% below ours.

Currency pair
NGN → GHS
They receive into
Ghanaian bank account or MTN Mobile Money
Typical arrival
In seconds
Per transfer
Up to $10,000, more on VIP
About this route

Nigeria to Ghana, done properly

Popular with senders and recipients in Accra, Kumasi and Takoradi.

Pay out to
MoMo

Nigeria to Ghana is one of West Africa’s busiest informal money routes: traders in Accra’s Makola and Kumasi’s Kejetia markets, students at Ghanaian universities, and families split across the two countries. Most of that money still moves as cash through agents. Divest turns it into one quoted rate, landing in a bank account or MTN MoMo wallet.

Why sending Naira to Cedis is harder than it should be

If you’ve ever tried moving money from Nigeria to Ghana, you already know it’s rarely as simple as pressing send. Naira and Cedis don’t trade directly, so your money often takes the long way round, picking up fees, delays and uncertainty along the way.

01

Your Naira has to become Dollars first, then Cedis, so you lose a bit of value at each step instead of just one.

02

Bureau de change shops can only sell small amounts of dollars each week, and only for things like travel or school fees, not regular transfers.

03

Many bureau de change shops have been shut down or lost their licence, so there are fewer places to even try.

04

Street or agent rates change throughout the day, so the rate you’re quoted in the morning might be gone by afternoon.

05

These are cash deals with no receipt, so if something goes wrong, there’s nothing to point to.

How it works

Step 01

Open Divest

Step 02

Select the amount and currency

Step 03

See the cedis your recipient gets

At the current rate.

Step 04

Confirm

Step 05

It lands in seconds

Your recipient can withdraw to mobile money or spend directly.

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
993.55 GHS
You send100,000 NGN
Exchange rate1 NGN = 0.009935 GHS
Separate fee0.00 NGN

Indicative rate. Your quote is locked at the live rate when you confirm.

What you get

Rate-based pricing

No separate fee stacked onto the transfer. The cost is built into the rate you see upfront.

Fast delivery

Transfers land in seconds, not days.

Recipient choice

Your recipient can withdraw to mobile money or spend directly, whichever suits them.

What you’re actually comparing Divest to

Speed, cost and transparency, side by side.

SpeedDivestIn secondsA bankDays, via correspondent banksA bureau de change or agentDepends on finding cash, an agent and allocation
CostDivestOne rate, no separate feeA bankA markup at each conversion: Naira to Dollars, then onwardA bureau de change or agentRates shift through the day
TransparencyDivestExact amount shown before you confirmA bankFinal amount unknown until it landsA bureau de change or agentCash deal, no receipt

Who it’s for

Traders and importers

Pay Ghanaian suppliers for goods bought in Accra and Kumasi without carrying cash across the border.

Students in Ghana

Send tuition and upkeep to students at Ghanaian universities on a schedule that doesn’t depend on an agent.

Family across both countries

Support relatives in Ghana in the cedis they actually spend, straight to mobile money.

Why choose Divest

Divest VIP

Higher-volume senders get priority processing and better rates on larger transfers.

Nothing hidden until it’s too late

The rate you see is the rate applied.

Recipient flexibility

Mobile money withdrawal or direct spending, their choice.

What customers say

Customer story
“I pay my supplier in Accra in cedis and they receive it the same day.”
Uche OkaforFashion retailer, Lagos
Customer story
“My son is at university in Ghana. Sending his allowance is now a two-minute job.”
Folake AdebayoParent, Ibadan
Customer story
“No more agents or cash runs across the border. The rate I see is what he gets.”
Chinedu AniImporter, Aba

Got questions?

Our support team is available around the clock to help whenever you need it.

Contact support

Yes. Your recipient can receive straight into an MTN MoMo wallet, or into a Ghanaian bank account.

Related corridors

Nigeria to KenyaNigeria to South Africa

Money that moves
like you do.

Open your Divest Banking account and send to Ghana today.

4.7 star rating and over 3k ratings on the App Store