Currency pair
USD → GHSReceive money from the United States
to Ghana
Send Dollars to Ghana through Divest. See the cedi amount your recipient gets before you confirm, then it lands directly, no cash pickup required.
4.7 rating · 300k+ registered users
United States to Ghana
Check today’s rate
1 USD = 15.40 GHS · no separate fee
They receive
Separate fee0.00 USD
ArrivesIn seconds
You save vs. a typical bank231.00 GHS
Indicative rate; the live rate is shown in the app. Savings assume a typical bank rate about 3% below ours.
USD → GHSThey receive into
Ghanaian bank account or MTN Mobile MoneyTypical arrival
In secondsPer transfer
Up to $10,000, more on VIPAbout this route
United States to Ghana, done properly
Popular with senders and recipients in Accra, Kumasi and Tamale.
Pay out to
MoMo
MoMoThe United States is the single biggest source of money sent home to Ghana. Divest lets US-based senders see the exact cedi amount first, then deliver it in seconds to a Ghanaian bank account or MTN MoMo wallet.
No. 1
the United States is Ghana’s single largest source of remittances.
Sending Dollars to Ghana 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 Cedis 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 Dollars
Step 02
See the cedi amount your recipient gets
At the current rate, before you confirm.
Step 03
Send it
Step 04
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
7,700.00 GHS
You send500 USD
Exchange rate1 USD = 15.40 GHS
Separate fee0.00 USD
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.
Recipient choice
Mobile money withdrawal or direct spending, their choice.
Fast delivery
Transfers land in seconds, not days.
What you’re actually comparing Divest to
Speed, cost and transparency, side by side.
SpeedDivestIn secondsA 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
Family support
Send to family in Accra, Kumasi or Tamale, into the wallet they already use.
Building at home
Fund construction, land payments and projects in Ghana without surprises at settlement.
Paying people in Ghana
Contractors and partners, paid directly.
Why choose Divest
What you see is what lands
No gap between quote and delivery.
Recipient flexibility
Mobile money or direct spending.
Built for regular sending, not just one-off transfers.
What customers say
Customer story
“Sending cedis to my mother in Accra is quick, and she gets it the same day.”
Kofi BoatengAccountant, New York
Customer story
“I pay for projects back home in Ghana straight from my US income.”
Ama OwusuArchitect, Washington, DC
Customer story
“The rate is shown up front. No hidden costs, no surprises.”
Kwame AgyeiEngineer, Chicago
Got questions?
Our support team is available around the clock to help whenever you need it.
Contact supportYes, into an MTN Mobile Money wallet or a Ghanaian bank account.
Related pages
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