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 TransferGo card in Ghana
The TransferGo card helps you spend smarter in Ghana. Pay in local shops, withdraw cash from ATMs, and enjoy contactless or virtual payments — all while avoiding hidden bank fees and poor exchange rates. Everything is managed from the app, so you’re always in control of your money.
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 the TransferGo card in Ghana?
Just activate it in the app and start spending — online, in stores, or at ATMs.
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 TransferGo card in Ghana?
Yes! You can use your TransferGo card for spending, withdrawing, or managing your money— with fair rates and no hidden fees.