TorFX
The most money arrives: ₵18,731.77, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: ₵18,731.77.
Lowest upfront fee (No fee) — the exchange rate still decides what arrives.
Transfer comparison
Compare today's fees, exchange rates, delivery times and recipient amounts across 5 providers.
Rates updated 5 hours ago
Ranked by what your recipient actually gets.
| Provider | Recipient gets | Fee | Rate | Delivery | Best for | |
|---|---|---|---|---|---|---|
|
|
₵18,731.77 | No fee | 37.4635 | Minutes to 2 days | Most money received Best for Bank deposit | Send with TorFX (opens in a new tab) |
|
|
₵18,619.16 ₵113 less | د.ك4.000 | 37.5386 | Seconds to 2 business days | Fastest delivery | Send with Wise (opens in a new tab) |
|
|
₵18,581.62 ₵150 less | No fee | 37.1632 | Minutes to 1 business day | Best for Mobile money Best for Cash pickup | Send with Western Union (opens in a new tab) |
|
|
₵18,545.05 ₵187 less | د.ك1.990 | 37.2383 | Minutes to 3 days | Best for Digital wallet | Send with WorldRemit (opens in a new tab) |
|
|
₵18,433.34 ₵298 less | د.ك3.990 | 37.1632 | Minutes (Express) / 1–3 days (Economy) | Bank deposit · Cash pickup · Mobile money | Send with Remitly (opens in a new tab) |
Amounts are estimates based on the mid-market reference rate and each provider's published or typical pricing. The final amount is confirmed by the provider at checkout.
The most money arrives: ₵18,731.77, after a No fee fee and the exchange-rate margin.
Pays the most to Bank deposit: ₵18,731.77.
Lowest upfront fee (No fee) — the exchange rate still decides what arrives.
Quickest to arrive: Seconds to 2 business days.
Pays the most to Mobile money: ₵18,581.62.
Pays the most to Cash pickup: ₵18,581.62.
Pays the most to Digital wallet: ₵18,545.05.
"Best overall" means the most money reaches your recipient after the transfer fee and the exchange-rate margin. Commission and sponsorship never change the order. Some figures are estimates — confirm the final amount on the provider's screen.
After fees and exchange-rate costs, your recipient gets about ₵18,732
Choosing TorFX over Remitly puts ₵298 more in your recipient's hands on this transfer.
Where your money goes with TorFX
Rate offered: 1 KWD = 37.4635 GHS. Mid-market: 37.5386.
Every transfer has two costs: the fee you see up front, and the exchange-rate margin — the gap between the rate you get and the mid-market rate. Add them together and you have the true price.
Western Union charges no transfer fee — yet its exchange rate leaves your recipient ₵150 less than TorFX. A $0 fee is not the same as the cheapest transfer.
Only methods offered by the providers above.
3 providers
5 providers
3 providers
1 provider
Compare the options above and pick the one that fits your priority. For the most money arriving, that's TorFX today (₵18,732).
Enter د.ك500 as the amount you send and add your recipient's details exactly as they appear on their ID or account.
Select Mobile money, Bank deposit, Cash pickup, Digital wallet — whichever your recipient can use.
Check the final amount on the provider's confirmation screen, pay, then track the transfer until it arrives.
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Estimated · general pricing
Today the total cost — transfer fee plus exchange-rate margin — ranges from د.ك1.000 with TorFX to د.ك8.950 with Remitly across the 5 providers we compare.
TorFX is the cheapest overall today: your recipient gets ₵18,731.77 after a No fee fee. That counts the exchange rate as well as the fee, so it can differ from the provider with the lowest advertised fee.
Between ₵18,433 and ₵18,732 depending on the provider, at today's rates. At the mid-market rate with no costs at all, د.ك500 would be ₵18,769.
Wise is the quickest, delivering seconds to 2 business days. Bank deposits can take longer than mobile money or cash pickup, and a first transfer may be held for identity checks.
Yes. 3 providers pay out to Mobile money, including Western Union, WorldRemit, Remitly. Western Union pays the most: ₵18,581.62. Mobile money accounts have transaction and daily limits set by the operator, so check them before sending a large amount.
TorFX gives your recipient ₵113 more than Wise today (₵18,731.77 against ₵18,619.16). Rates change, so compare again on the day you send.
Yes. 5 providers we compare deposit into bank accounts in Ghana. TorFX pays the most: ₵18,731.77. Bank deposits are often slower than mobile money.
5 of the providers we compare accept د.ك500 on this route. These can't: XE (Minimum transfer is د.ك3,000.000). Larger transfers can also trigger extra identity or source-of-funds checks.