GHS payouts · arrive in minutes
Send USD to Ghana, at the mid-market rate.
Pay out to a bank account in Ghanaian cedis (GHS) from a US-dollar account in your own name. You see the fee and the exact amount your recipient gets before you send.
See the 19 banks we pay out to ↓
Updated · Estimated rate, as of Aug 20, 2026, 11:27 AM UTC · Reviewed by Joyce Chin, Chief Operating Officer & Compliance Officer
Estimate a payout
estimate
They receive
≈ GH₵11,034.42
- AED — UAE dirham
- ARS — Argentine peso
- AUD — Australian dollar
- BDT — Bangladeshi taka
- BOB — Bolivian boliviano
- BRL — Brazilian real
- CAD — Canadian dollar
- CHF — Swiss franc
- CLP — Chilean peso
- CNY — Chinese yuan
- COP — Colombian peso
- CRC — Costa Rican colón
- CZK — Czech koruna
- DKK — Danish krone
- DOP — Dominican peso
- EGP — Egyptian pound
- EUR — euro
- GBP — British pound
- GHS — Ghanaian cedi
- GTQ — Guatemalan quetzal
- HKD — Hong Kong dollar
- HNL — Honduran lempira
- IDR — Indonesian rupiah
- ILS — Israeli new shekel
- INR — Indian rupee
- JMD — Jamaican dollar
- JOD — Jordanian dinar
- JPY — Japanese yen
- KES — Kenyan shilling
- KRW — South Korean won
- LKR — Sri Lankan rupee
- MXN — Mexican peso
- MYR — Malaysian ringgit
- NGN — Nigerian naira
- NOK — Norwegian krone
- PEN — Peruvian sol
- PHP — Philippine peso
- PKR — Pakistani rupee
- PLN — Polish zloty
- QAR — Qatari riyal
- RON — Romanian leu
- SAR — Saudi riyal
- SEK — Swedish krona
- SGD — Singapore dollar
- THB — Thai baht
- TRY — Turkish lira
- TZS — Tanzanian shilling
- VND — Vietnamese dong
- ZAR — South African rand
No matches
1 USD = 11.129 GHS
Estimated mid-market rate, as of Aug 20, 2026, 11:27 AM UTC. The fee comes out of the amount you send, so the recipient gets the rest. The exact amount is shown before you confirm.
Delivery time
Minutes
bank payouts to Ghana arrive in real time over a local bank transfer. Occasionally a banking partner pauses a transfer for a short compliance check.
from 0.75%
business rate + $1.00 fixed
11.129
GHS per USD · as of Aug 20, 2026, 11:27 AM UTC
19
banks we pay out to
$1.02
minimum · up to GHS 100,000 (about $9,000) per transfer
// worked example
Sending $1,000.00 to Ghana
You send
$1,000.00
Maash fee (business)
−$8.50
0.75% + $1.00 fixed
They receive
≈ GHS 11,034.42
1 USD ≈ 11.129 GHS · mid-market, no markup
You send
$1,000.00
Maash fee (personal)
−$11.00
1% + $1.00 fixed
They receive
≈ GHS 11,006.60
1 USD ≈ 11.129 GHS · mid-market, no markup
Sending $1,000.00 to Ghana on a business account costs $8.50 and delivers ≈GHS 11,034.42 at the mid-market rate; on a personal account it costs $11.00 and delivers ≈GHS 11,006.60.
Estimated at the mid-market rate as of Aug 20, 2026, 11:27 AM UTC; the exact amount your recipient receives is shown before you confirm.
// Rate history
How the USD → GHS rate has moved
Between 19 Aug 2026 – 20 Aug 2026, captured hourly, the rate ranged from a low of 11.0557 to a high of 11.1225 GHS per US dollar; the latest recorded rate, 11.0557, sits in the lower third of that range.
Between 13 Aug 2026 – 20 Aug 2026, captured hourly, the rate ranged from a low of 10.9246 to a high of 11.1361 GHS per US dollar; the latest recorded rate, 11.0557, sits in the middle of that range.
Between 31 Jul 2026 – 20 Aug 2026, captured daily, the rate ranged from a low of 10.9341 to a high of 11.7569 GHS per US dollar; the latest recorded rate, 11.0557, sits in the lower third of that range.
Mid-market rate, no markup · captured hourly captured hourly captured daily · as of Aug 20, 2026, 11:11 AM UTC
// the details
Sending USD to Ghana: the details
| Detail | Value |
|---|---|
| Payout currency | Ghanaian cedi (GHS) |
| Delivery method | Bank transfer |
| Delivery time | In real time over local bank transfer. Occasionally a banking partner pauses a transfer for a short compliance check. |
| Transfer size | $1.02 minimum · up to GHS 100,000 (about $9,000) per transfer |
| Exchange rate | Mid-market, no markup (1 USD ≈ 11.129 GHS) |
| What you need | Your recipient’s bank details in Ghana — the account name, account number, and any local routing code. |
Every way we pay out to Ghana
Each network runs on its own schedule. Which one a payout uses depends on the bank details your recipient has.
| Currency | Paid over | Delivery time | Min | Limit | Fee |
|---|---|---|---|---|---|
| GHS | local bank transfer · local | real time | $1.02 | Up to GHS 100,000 | 1% + $1.00 |
| USD | SWIFT | 1–4 days | $35.36 | No limit | 1% + $35.00 |
Fees shown for a personal account.
Days are business days — a Saturday delays a same-day or next-day payout. These are ceilings, not typical times: within the window, how fast the money lands depends on the receiving bank.
We also pay out to Ghana in USD over SWIFT (1% + $35.00 on a personal account, 0.5% + $35.00 on business).
You can also open a Maash account from Ghana — see every country you can open one from.
How to send USD to Ghana
- 1
Open your Maash account
Sign up and verify your identity. Opening a US-dollar account is free and takes a few minutes.
- 2
Add your recipient in Ghana
Enter the amount in US dollars and your recipient’s bank details in Ghana.
- 3
Confirm and send
Review the fee and the amount they’ll receive — both shown upfront — then confirm with your passkey.
Sending USD to Ghana — FAQ
Speed
How long does it take to send USD to Ghana?
Payments between Maash accounts land in seconds, and bank payouts arrive in real time over local bank transfer. Occasionally a banking partner pauses a transfer for a short compliance check. Maash tells you when that happens.
Rate
How has the USD to GHS rate moved over this period?
Between 31 Jul 2026 – 20 Aug 2026 the mid-market rate fell 5.11%, with a low of 10.9341 and a high of 11.7569 GHS per US dollar. The rate is captured daily and shown at the mid-market rate with no markup.
Cost
How much does it cost to send money to Ghana?
A payout to Ghana in Ghanaian cedis (GHS) costs 1% plus a $1.00 fixed fee on a personal account, or 0.75% plus $1.00 on a business account. Currency conversion uses the mid-market rate with no markup, and every fee is shown before you confirm.
Sending USD
Can I send US dollars to a bank account in Ghana?
Yes, over SWIFT. The fee is 1% + $35.00 on a personal account, 0.5% + $35.00 on business — a payout in Ghanaian cedis (GHS) costs 1% plus a $1.00 fixed fee instead, so a recipient with an account in Ghanaian cedis usually pays less. Your recipient’s account must accept US dollars.
Safety
Is my money safe while the transfer is processing?
Yes. Your funds sit in your own account and only move when you confirm a transfer with your passkey. Maash can’t spend, move, or freeze your balance. Occasionally a banking partner pauses a transfer for a short compliance check. A review delays a transfer — it never takes your money.
Banks
Which banks in Ghana can I send money to?
Maash pays out to 19 banks in Ghana. Your recipient needs an account in their own name; enter their bank details when you add them. The list is the one Maash’s payout provider states and can change.
Account
Can I open a Maash account in Ghana?
Yes. Ghana is one of the countries Maash can open an account from, so you can both hold US dollars and send to Ghana. Identity verification applies, and some countries need additional checks; Maash lists every country it can open an account from on its supported-countries page.
Send USD to other countries
All 191 payout countries →- ARS Argentina
- AUD Australia1% + $1.00 · same or next day
- BDT Bangladesh1% + $1.00 · next day
- BOB Bolivia1% + $1.00 · same day
- BRL Brazil1% + $1.00 · real time
- CAD Canada1% + $1.00 · next day
- CLP Chile1% + $1.00 · next day
- CNY China
- COP Colombia1.4% + $1.00 · next day
- CRC Costa Rica1% + $1.00 · real time
- CZK Czechia1% + $1.00 · same day
- DKK Denmark1% + $1.00 · same day
- DOP Dominican Republic1% + $1.00 · same day
- EGP Egypt1% + $1.00 · same day
- EUR Eurozone1% + $1.00 · real time to next day
- GTQ Guatemala1% + $1.00 · same day
- HNL Honduras1% + $1.00 · same day
- HKD Hong Kong SAR China1% + $10.00 · real time
- INR India1% + $1.00 · real time
- IDR Indonesia1% + $1.00 · real time
- ILS Israel1% + $1.00 · next day
- JMD Jamaica1% + $1.00 · next day
- JPY Japan1% + $1.00 · same day
- JOD Jordan1% + $1.00 · next day
- KES Kenya1% + $1.00 · real time to 3 days
- MYR Malaysia1% + $1.00 · real time to next day
- MXN Mexico1% + $1.00 · real time
- NGN Nigeria1% + $1.00 · real time
- NOK Norway1% + $1.00 · same day
- PKR Pakistan1% + $1.00 · real time
- PEN Peru1% + $1.00 · next day
- PHP Philippines1% + $1.00 · real time
- PLN Poland1% + $1.00 · same day
- QAR Qatar1% + $1.00 · next day
- RON Romania1% + $1.00 · same day
- SAR Saudi Arabia1% + $1.00 · same day
- SGD Singapore1% + $1.00 · real time
- ZAR South Africa1% + $1.00 · next day
- KRW South Korea1% + $1.00 · real time
- LKR Sri Lanka1% + $1.00 · same day
- SEK Sweden1% + $1.00 · next day
- CHF Switzerland1% + $1.00 · next day
- TZS Tanzania1% + $1.00 · 2 days
- THB Thailand1% + $1.00 · real time to next day
- TRY Türkiye1% + $1.00 · real time
- AED United Arab Emirates1% + $5.00 · real time
- GBP United Kingdom1% + $1.00 · real time
- VND Vietnam1% + $1.00 · real time
Personal-account fee and the fastest delivery time — each page lists the networks that country is reached over, the personal and business fee, and, where we list them, the banks we pay out to.
// banks
Banks we pay out to in Ghana
We can send Ghanaian cedis to accounts at these 19 banks in Ghana. The list comes from our payout provider and can change; if your recipient’s bank isn’t here, it may still be reachable — the account details you enter decide the rail.
No banks match that search. These are registered legal names as our payout provider lists them, so a brand or an abbreviation may not appear — try part of the bank’s full name. Your recipient’s bank may also be reachable even if it isn’t listed; the account details you enter decide the rail.
- Absa Bank Ghana Limited
- Access Bank
- Agricultural Development Bank
- Cal Bank
- Consolidated Bank Ghana Limited (CBG)
- Ecobank
- Fidelity Bank
- First Atlantic Bank Ltd
- First National Bank
- Gcb Bank Ltd
- Guaranty Trust Bank
- National Investment Bank
- Prudential Bank
- Republic Bank Ghana
- Stanbic Bank
- Standard Chartered Bank
- United Bank for Africa
- Universal Merchant Bank
- Zenith Bank
as of August 20, 2026