Send money to Ghana quickly and easily with Money Services. If you have family and friends in Ghana, make a secure transfer in moments.
- Send money in minutes with Ria or Western Union
- Available in more than 2,000 Money Services locations
- Choose from pick-up locations across Ghana
- Or deposit directly into your recipient’s bank account or mobile wallet
- Enjoy low fees and exclusive benefits with your Shopper’s Card
- Want to know more? Find out more about us
Ways you can Send Money
Send money across Ghana with Money Services – from Kumasi to Accra. There are three ways to send money outside the US with Money Services:
Send money in person from your local Money Services Counter. Find your nearest store.
Stage & Pay
Find out how to start your transfer online then pay in store. Start here.
Send Ghanaian cedi (GHS) online in minutes via credit or debit card. Find out more.
Ways to Pick up money
Next, choose how your funds will be delivered. Transfer your money for pickup at Access Bank Ghana, GCB Bank, Agricultural Development Bank and other banks across Ghana, as well as post offices and business centers. Alternatively, deposit the funds directly into your recipient’s bank account or mobile wallet.
Why send with Money Services
We have more than 2,000 Money Service stores across the US, for quick and convenient transfers. Whether you’re sending money to a friend in need or showing your thanks to a family member, we’ll help you get your money over to them when you need it to. Powered by Ria and Western Union, our payments are secure and trackable, so you can send money with confidence.
Send your Ghanaian cedi in minutes and make fast and secure transfers of up to $10,000 USD with Ria or up to $5,000 with Western Union. Track your money transfer using Ria’s PIN or Western Union’s MTCN or sign up for SMS text notifications to receive an instant notification when your funds have been paid out in Ghana. Message and data rates may apply.
Find out more about how we securely manage your money with Ria and Western Union.
Send money online
Help manage your money
Easily send money your way
What do you need to bring
To help us complete your money transfer to Ghana, please bring:
- The recipient’s name (ensure that name exactly matches the recipient’s ID) and location
- Enough money to cover the amount you want to send – cash or debit card is fine
- Funds to cover the fee
- Valid Photo ID
Types of ID We accept
Resident Alien ID
Matricula Consular ID
National ID Card
Tribal Nation or Reservation ID
How to send money in-person, in-store to Ghana:
Sending money to Ghana from the US is quick and easy. Here’s how:
Find your nearest store
Provide the recipient details
Choose Ria or Western Union to deliver your money transfer
Select cash pick-up or bank deposit delivery option
Pay the fee* + transfer amount and present your valid photo ID, if required
For Ria: The recipient will need the PIN and valid photo ID
For Ria: The recipient will need the PIN and valid photo ID
Sending money to Ghana FAQs
Are you ready to send money to Ghana? Read through our Frequently Asked Questions to help you answer the most common questions we’re asked before you begin the process.
How can I find where to send money?
In partnership, Money Services, Ria and Western Union have made it possible for you to easily send money to friends and family in more than 200 countries. Our providers have more than 435,000 agent locations around the world, making the process convenient for both sender and collector. Use our store locator to find your nearest Money Services.
How can I find where to pick up money?
If you’re expecting funds to be sent to you, finding a Money Services or any participating Ria or Western Union agent location to collect your money couldn’t be easier. Search our store locator for Money Services locations or find your closest Ria or Western Union agent on their website.
How can I protect myself from fraud?
In order to protect yourself from fraud, you should think carefully about who you’re sending funds to. In general, we advise you to only send money to friends and family. In all instances, to protect yourself from fraud, you should only ever send money to people you know and trust. We’d advise never sending money to someone you’ve not met in person.
Protect yourself from fraud and discover more information here.
How long does it take to send money?
A couple of factors influence how long it takes for the funds to be processed and collected by the recipient – namely the country to which the money is being sent and the service selected.
There’s a Money in Minutes service for swift payments that can’t wait and a Next Day service for less urgent transfers. For further information, visit the Ria or Western Union website.
What are the fees for sending money?
Fees for sending money vary depending on the amount you wish to send and the location you’re sending it to. With Money Services you’re able to send money to loved ones anywhere around the world and feel the benefits of reduced fees.
These fees differ depending on the service you’re using. For more information, read the Send Money section of our website.
Kroger engages in the money transmission business as an authorized delegate of Western Union Financial Services, Inc. under Chapter 151 of the Texas Finance Code. If you have a complaint, please contact Western Union Customer Service first at 1-800-325-6000. After contacting Western Union Financial Services, Inc. and if you still have an unresolved complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit www.dob.texas.gov for more information.
*Western Union also makes money from currency exchange. When choosing a money transmitter, carefully compare both transfer fees and exchange rates. Fees, foreign exchange rates and taxes may vary by brand, channel, and location based on a number of factors. Fees and rates are subject to change without notice.
†Date available will be displayed on receipt for international transfers over $15. Service and funds availability depends on certain factors including the Service selected, the selection of delayed delivery options, special terms applicable to each Service, amount sent, destination country, currency availability, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones (collectively, “Restrictions”).
**Fee reductions apply only to the Western Union transfer fee for a single Western Union Money Transfer or Quick Collect transaction. Excludes all other services, including without limitation, online bill payments, and money transfers via social/chat applications. Points used will not be reversible and if amount of transfer fee is less than redeemed discount, no cash, credit or refund will be provided. Western Union reserves the right to offer promotional discounts that cannot be combined with My WU fee reductions.
Services may be provided by Western Union Financial Services, Inc. NMLS# 906983 and/or Western Union International Services, LLC NMLS# 906985, which are licensed as Money Transmitters by the New York State Department of Financial Services. See terms and conditions for details.
The Western Union name, logo and related trademarks and service marks, owned by Western Union Holdings, Inc., are used with permission.
Ria is a registered trademark of Continental Exchange Solutions, Inc. NMLS #920968, dba Ria Financial Services. Kroger is an authorized delegate of Ria (Continental Exchange Solutions, Inc.) pursuant to Chapter 151 of the Texas Finance Code. If you have a complaint, please call Ria at (855) 355-2145 or visit https://us.riafinancial.com/en/legal/file-complaint.
For Texas consumers: Ria is licensed under Chapter 151 of the Texas Finance Code. After contacting Ria, if you still have a complaint regarding the company’s money transmission services, please contact the Texas Department of Banking at 2601 North Lamar Boulevard, Austin, TX 78705 – telephone number 1-877-276-5554 (toll free) or visit www.dob.texas.gov for more information.
For consumers in all other states: see full terms and conditions, including regulatory contact information, on your receipt.
Date available will be displayed on receipt for all transfers. Service and funds availability depends on certain factors including the amount sent, destination country, currency availability, fraud prevention measures, regulatory issues, consumer protection issues, identification requirements, delivery restrictions, agent location hours, and differences in time zones.