Live Rates — Updated every hour

Send money between
Ghana & Nigeria
in minutes.

Bank-grade security. Competitive rates. No hidden fees. Trusted by thousands of families and businesses across West Africa.

No hidden charges
Transfers in 5–30 minutes
256-bit SSL encryption

Calculate your transfer

GHS
Rate: 1 GHS = 66.00 NGN
Recipient gets
64,020.00 NGN
Fee (3.00% guest) 30.00 GHS
Net after fee 970.00 GHS
Get Started — It’s Free

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Register to get the 2% member rate instead of 5%

50,000+
Transfers Completed
₦2.5B+
Total Volume Sent
4.8 / 5
Customer Rating
24 / 7
Customer Support

Send money now — without signing up

Already know what you want to send? Skip registration and transfer instantly as a guest. Just enter the amount, your recipient’s Nigerian bank details, and pay by card.

No registration requiredJust enter amount, bank details, and pay. Done in under 3 minutes.
Save more with a free accountRegister once to pay only 2% instead of the 5% guest rate.
Arrives in 5–30 minutesSMS confirmation sent to you and your recipient.

Quick Send

Send GHS to Nigeria without creating an account

GHS
Recipient gets
Calculating...
NGN • Rate loading...
Continue to Payment

Guest fee: 5% • Create a free account to pay only 2%

Send money in three steps

No complex forms. No branch visits. Send from your phone or laptop in minutes.

1

Create your account

Register in under 2 minutes. Verify your identity once and unlock the lowest transfer fees permanently.

2

Enter amount & recipient

Enter how much you want to send, choose your recipient’s bank or mobile money account, and review the exact rate and fee upfront.

3

Pay & track delivery

Pay securely via card or bank transfer. Track your transfer in real time from your dashboard until it reaches the recipient.

Your money is safe with us

We apply the same security standards used by international banks to protect every transfer.

256-bit SSL Encryption

All data transmitted between you and NairaSend is encrypted using the same standard trusted by global banks.

PCI-DSS Compliant Payments

Card payments are processed via Flutterwave, a PCI-DSS Level 1 certified payment processor trusted by 900,000+ businesses.

Identity Verification (KYC)

We verify every user’s identity before high-value transfers, protecting you and the recipient from fraud.

Full Audit Trail

Every transaction is logged, timestamped, and retrievable. You can download receipts for any completed transfer at any time.

Powered by Flutterwave
256-bit TLS Encryption
PCI-DSS Compliant
GDPR Aware

Trusted by thousands

Real feedback from real customers sending money between Nigeria and Ghana every month.

★★★★★

"I send money to my family in Accra every month. NairaSend is faster than any other service I’ve tried and the rates are always competitive."

CU
Chukwuemeka U.
Lagos, Nigeria
★★★★★

"The transfer tracking is a game-changer. I used to worry when I couldn’t confirm delivery. Now I can see every step and share the reference with my sister."

AA
Ama A.
Kumasi, Ghana
★★★★★

"Fast, reliable, and the customer service actually responds. I’ve been using NairaSend for 8 months and have referred five colleagues."

FO
Funmilayo O.
Abuja, Nigeria

Common questions

Everything you need to know before your first transfer.

Most transfers complete within 5–30 minutes after payment is confirmed. Delays beyond 1 hour are rare and are always communicated via email.
Guest transfers are charged at 5% of the send amount. Registered and verified users pay only 2%, with no hidden charges. The exact fee is always shown before you confirm.
Minimum: NGN 1,000 or GHS 100. There is currently no maximum for verified accounts. Unverified accounts have a NGN 500,000 / GHS 7,500 per-transfer limit.
A valid government-issued ID (passport, national ID, voter's card, or driver's license) and one proof of address document (utility bill or bank statement, dated within 3 months).
No. Card details are processed exclusively by Flutterwave and are never stored on NairaSend's servers.
Contact our support team at support@nairasend.com or call +234 700 000 0000. All failed transactions are fully refunded within 24 hours.
Currently NGN to GHS and GHS to NGN. More corridors including USD and GBP are coming in Q3 2025.
Every completed transfer generates a downloadable receipt from your transaction history page. Receipts include the reference number, exchange rate, fee, and timestamp.