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Top Apps to Send Money from Ghana to Nigeria

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Apps to Send Money from Ghana to Nigeria

In today’s interconnected world, the need for seamless cross-border money transfers is more crucial than ever. Whether you have family members in Nigeria, do business across borders, or simply want to send money to a friend, finding the right money transfer app can make all the difference. In this guide, we’ll explore the top apps to send money from Ghana to Nigeria. These apps are designed to provide a convenient, secure, and efficient way to transfer funds, making your financial transactions hassle-free.

Things to Know Before Choosing A Money Transfer App

Money transfer apps are designed to make your life easier and more convenient. When choosing the right app for you, consider these key questions:

  1. Sending Money Overseas: If you’re sending money internationally or need to convert currencies. Choose an apps with a global availability and favorable exchange rates.
  2. Recipient’s App: Some apps, like Transferwise, World Remit, and PayPal, require both you and your recipient to have accounts for free transfers. Make sure your recipient uses the same app you’re considering.
  3. Available Options: Check if your bank, whether traditional or online, provides a transfer service.
  4. Transfer Limits: Consider the amount you plan to send. Most apps have daily or weekly limits, especially for international transfers.
  5. Business or Personal Use: Certain apps are more widely recognized and trusted in professional circles. PayPal is often preferred for business transactions, while western union is famous for peer-to-peer payments.
  6. Payment Methods: Determine if you prefer linking your bank account, credit card, or both. Some apps allow credit card transfers, while others work directly with your bank account.

Choosing a money transfer app tailored to your needs ensures seamless transactions and peace of mind.

Top Apps to Seamlessly Send Money from Ghana to Nigeria (Cross-Border Transactions)

1. World Remit

WorldRemit is a global leader in international money transfers, and it’s no surprise that it tops our list for sending money from Ghana to Nigeria. This app offers a user-friendly interface that makes the transfer process a breeze, even for first-time users. One of the standout features of WorldRemit is its competitive exchange rates, ensuring that you get the best value for your money. Plus, they provide various payment options, including bank transfers, mobile money, and cash pickup giving you flexibility in how you send and receive funds. With WorldRemit, your transfers can arrive in Nigeria within minutes, making it ideal for urgent financial needs. The app covers multiple locations in Nigeria, ensuring that your recipient can conveniently access the funds.

2. Wise

Formerly known as TransferWise, Wise is renowned for its transparent and cost-effective approach to international money transfers. This app offers the real exchange rate, with low and transparent fees, so you’ll always know exactly what you’re paying for. Wise also provides a multi-currency account, which is incredibly useful for those conducting frequent cross-border transactions. It allows you to hold and manage money in multiple currencies, making it easier to send and receive funds between Ghana and Nigeria without the need for constant currency conversion. Wise employs robust security measures, including two-factor authentication and encryption, to protect your financial data.

Additionally, Wise offers a borderless debit card that lets you spend money abroad with low conversion fees. This feature is especially handy if you travel frequently between the two countries.

4. PayPal

PayPal is a household name when it comes to online payments and money transfers. It’s widely accepted and trusted, making it a convenient option for sending money from Ghana to Nigeria. PayPal offers multiple funding options, including linking your bank account or using your debit/credit card. While it may not have the most competitive exchange rates, its security measures ensure your transactions are safe and reliable. With an international reach, PayPal allows you to send money to Nigeria and access it from various locations, including bank accounts and mobile wallets. PayPal employs advanced security protocols and fraud detection mechanisms to safeguard your financial information.

4. Skrill

Skrill is an excellent choice for those looking for low-cost international money transfers. It offers competitive fees and exchange rates, ensuring you get more value for your money. The app prides itself on its fast transfer times, with many transactions processing within hours. Skrill’s wide network in both Ghana and Nigeria means your recipient will have multiple options for receiving the funds. Skrill offers a prepaid Mastercard for easy access to your funds as well as a user-friendly mobile app, making it convenient to send money on the go.

5. Western Union

Western Union is a trusted and well-established option for sending money globally. With a vast network of agents and locations in both Ghana and Nigeria, it’s an accessible choice for many.

Western Union provides various delivery options, including bank transfers, mobile wallets, and cash pickup. This flexibility ensures that your recipient can access the funds in the most convenient way. Western Union’s My WU program offers rewards and discounts for frequent users.

Another advantage of Western Union is the ability to track your transfers in real-time,providing peace of mind knowing the status of your transaction as well as prioritizes the security of your transactions and personal information, implementing strict security measures.

6. Remitly

Remitly offers both Express and Economy options, allowing you to choose between speed and cost-effectiveness when sending money. This flexibility ensures that you can tailor your transfer to your specific needs. The app provides competitive exchange rates and straightforward fees, ensuring transparency in your transactions. Remitly also offers various delivery options, including cash pickup and mobile wallet transfers, giving your recipient multiple ways to access the funds.

Remitly uses encryption and identity verification processes to ensure secure transactions. Their dedicated support team is available to assist you at any time.

7. MTN Mobile Money

MTN Mobile Money is a mobile-based payment system that’s prevalent in both Ghana and Nigeria. It’s an excellent choice for local and cross-border transfers, especially if both you and your recipient use MTN services.

With its extensive network and integration with other services, you can easily send money to Nigeria or access funds from your mobile wallet. This convenience makes MTN Mobile Money a popular choice for those with local connections in both countries.

8. ATL Money transfer

ATL Money Transfer stands out as the go-to choose when it comes to sending money across Africa. They offer seamless and cost-effective money transfer services that cover all countries on the continent, including popular destinations like Nigeria and Ghana. What sets ATL Money Transfer apart is its commitment to providing a hassle-free and swift transfer experience. You can choose to have funds deposited directly into the recipient’s bank account, or for added convenience, they can collect cash at any of our partner locations.

ATL Money Transfer user-friendly mobile app ensures that sending money is not only reliable but also convenient, allowing you to transfer funds while on the go. Rest assured, your financial information is kept secure through advanced security protocols and robust fraud detection mechanisms. Tracking your transfers in real-time has never been easier, giving you peace of mind throughout the process. Plus, ATL Money Transfer offers a flexible refund policy in case you need to cancel a transfer.

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9. Bitnob

Bitnob provides a reliable and easy way to send and receive money within Africa. Whether you’re paying bills, shopping, or sending money to family or business contacts, Bitnob offers a secure and affordable solution. Plus, you can enjoy hassle-free online payments with the Bitnob virtual dollar card. It’s absolutely free to create and maintain your card, and with a spending limit over $10,000 monthly.

What makes Bitnob a good option in this list:

  • It provide lower transfer fees. The transfer charge across Africa is 1% only which is unbelievably cheap.
  • Fast speed: receiving money from one African country to another go through in minutes.

10. Afriex

Afriex is a new in the money transfer app, but quickly gains a reputation for reliability and convenience. It competes strongly with established apps, offering a trustworthy option for sending money.

One of its standout features is its affordability. Afriex doesn’t charge exorbitant fees, making it accessible to send money even to the most remote areas in Africa without emptying your bank account – unless, of course, you choose to send all your money at once!.


Send money from Ghana to Nigeria has never been easier, thanks to these top money transfer apps. Whether you prioritize speed, cost-effectiveness, or convenience, there’s an app on this list to suit your needs. From industry giants like World Remit and PayPal to innovative solutions like Wise and Skrill, you have a range of options to choose from.

Remember to consider factors like exchange rates, fees, transfer times, and the availability of delivery options when selecting the right app for your specific transfer. Always prioritize the security of your transactions and choose a reputable provider to ensure a smooth and worry-free money transfer experience.

No matter which app you choose, these services are designed to make your cross-border financial transactions smart, efficient, and hassle-free. Say goodbye to the complexities of traditional banking and embrace the convenience of these modern money transfer solutions. Your financial connections between Ghana and Nigeria are now just a few taps away!