Everything you need to know
Ghana Currency
Travelling to or living in Ghana? Managing your money shouldn’t be stressful. With TransferGo, you can send, spend, and exchange money affordably — so more of your money goes where it matters.
Use the GoCard in Ghana
Open a UK bank account with us and get a GoCard for smarter spending in Ghana. Pay in local shops, use ATMs globally, and enjoy contactless payments—all with zero hidden fees. Everything is managed from the app. Available only to UK and EU residents.
What is the currency in Ghana?
The official currency is the Ghanaian cedi
The cedi replaced the Ghanaian pound in 1965 and has gone through several redenominations since.
GHS, ₵
Banknotes
₵1
₵2
₵5
₵10
₵20
₵50
₵100
₵200
Coins
1
5
10
20
50 pesewas
₵1
₵2
Popular Cedi pairings
A
B
C
D
E
F
G
H
I
J
K
L
M
N
O
P
Q
R
S
T
U
V
W
X
Z
How to spend money in Ghana
Ghana is primarily a cash economy. Cards are used in cities, hotels, and larger shops, but expect cash everywhere else. ATMs are common in urban areas. Mobile money services like MTN Mobile Money are hugely popular.
Tips for exchanging money in Ghana
Avoid street exchangers for safety — use banks or licensed offices instead.
ATMs often provide a better rate than kiosks.
Carry smaller notes for markets and rural areas.
Choose smart tools like TransferGo to send and exchange money at transparent rates with no surprises.
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Frequently asked questions
What is the official currency used in Ghana?
The Ghanaian cedi (GHS, ₵).
What is the official currency used in Ghana?
Symbol: ₵ | Code: GHS
Can I use my home currency in Ghana?
Some hotels or big businesses may take dollars, pounds or euros, but most daily payments are in cedi. Foreign currency often involves high conversion fees.
How can I use my GoCard in Ghana?
Just activate it in the app and start spending—online or in stores.
Is it better to use cash or card when spending in Ghana?
Cash is still king, though card use is growing in bigger cities. Mobile money is also very popular.
Are credit or debit cards widely accepted in Ghana?
Yes in cities, but not everywhere. Rural areas remain cash-focused.
Are there ATMs available in Ghana, and are there withdrawal limits?
Yes, mostly in urban centers. Withdrawal amounts depend on your card provider.
Can I use a GoCard in Ghana?
Yes! You can use your GoCard for spending, withdrawing, or managing your money—with fair rates and no hidden fees.