Sending Money to Ghana Using a Credit Card: A Comprehensive Guide for 2025

In 2025, Sending money to Ghana no longer means standing in long queues, dealing with complicated banking procedures, or waiting days for the Transfer to arrive. Financial transfers today rely on smart technologies that place speed, security, and convenience at the core of the experience.

Amid this digital transformation, the Credit Card has emerged as a powerful and reliable tool for international financial transfers, especially to destinations like Ghana, where options for receiving money range from bank accounts and mobile wallets to cash pickups.

But what makes the Credit Card the ideal choice?

Here are the key reasons:

No Need to Link a Bank Account: Just enter your card details and start the Transfer immediately.

Speed of Execution: Most transfers are completed within minutes or hours, making it perfect for urgent situations.

Flexibility: You can send money anytime, anywhere—whether from your mobile phone or computer.

Strong Fraud Protection: Credit Card networks use stringent security protocols to protect your data.

Transparent Fees: Modern platforms display all costs upfront before executing the transfer, with no surprises.

Whether you’re:

• Sending regular financial support to your family in Accra or Kumasi,

• Paying tuition fees or medical bills,

• Or supporting a business partner in a joint venture—

A Credit Card gives you full control, total convenience, and the seamless experience you need.

In this guide, we’ll take you step by step through the process of Sending money to Ghana using a credit card, the best receiving methods, things to consider before transferring, and tips for ensuring a smooth experience.

Ready to get started? Let’s go!

How to Send money to Ghana Using a Credit Card

The process of transferring money with a Credit Card to Ghana in 2025 is easy and straightforward. Here are the usual steps:

1. Choose a reliable Transfer platform that supports Credit Card payments (Visa or Mastercard).

2. Log in or create an account on TOWB.

3. Select Ghana as the destination and enter the amount you wish to send.

4. Choose “Credit Card” as the payment method and securely enter your card details.

5. Enter the recipient’s information—full name, and method of receiving (bank account, mobile wallet, or cash pickup).

6. Review Transfer details such as fees, exchange rates, and delivery time.

7. Confirm the Transfer and approve the payment.

8. Track the Transfer status and notify the recipient of how they will receive the funds.

Available Methods of Receiving Money in Ghana

Choosing the method for receiving money is just as important as choosing the Transfer platform itself. Every recipient has different needs and circumstances—some prefer digital convenience, while others rely on cash pickup. Here’s a detailed look at the most popular receiving options in Ghana in 2025:

First: Direct Bank Transfer

For recipients who have bank accounts, this method is one of the most organized and secure. Funds are directly transferred into the recipient’s bank account with no additional steps required.

Notable banks for transfers:

• GCB Bank (Ghana Commercial Bank)

• Stanbic Bank Ghana

• Ecobank Ghana

• Fidelity Bank

• Other authorized financial institutions

Best suited for: Small business owners, employees, or anyone who prefers managing their money digitally through banking apps.
 

Second: Mobile Wallets (Mobile Money)

Ghana is a leading country in adopting mobile wallet solutions. Millions of people use them daily for receiving money, paying bills, or even shopping.

Most popular mobile wallets:

• MTN Mobile Money: The largest and most used.

• Vodafone Cash: A reliable and growing option.

• AirtelTigo Money: Offers strong services, especially in suburban and rural areas.

Benefits of Mobile Wallets:

• Access to funds within minutes.

• No bank account needed.

• Ability to withdraw or pay directly through your phone.

• Availability of service points in both urban and rural areas.

Best suited for: Students, families, employees without a bank account, or anyone seeking speed and convenience.
 

Third: Cash Pickup from Authorized Centers

For recipients without bank accounts or mobile wallets, cash pickup remains the most direct solution.

How does it work?

• A unique code is sent to the recipient (typically via SMS or app).

• The recipient can use this code to collect the money in cash from an authorized center.

Where?

• Thousands of locations spread across Ghana, from urban centers like Accra and Tema, to villages and rural areas.

Best suited for: Elderly individuals, residents of remote areas, or anyone who prefers traditional cash handling.

TOWB Tip:

Before making any transfer, communicate with the recipient to ask about their preferred receiving method. This will prevent any delays or difficulties in receiving the funds and ensure a smooth and straightforward Transfer experience.

Major Advantages of Using a Credit Card for Transfers

Choosing a Credit Card as your payment method for sending money abroad is no longer a secondary option; it has become a preferred method for many users in 2025. Why? Here are the main benefits that make it a smart and fast choice when transferring to Ghana:

Speed: Your Money Reaches Within Minutes

One of the standout advantages of credit cards is speed. Once the transaction is completed and the payment is approved, the platform starts transferring the funds immediately, and they can reach the recipient within minutes—whether through a mobile wallet, bank account, or even cash pickup.

Ideal for emergency situations or when timing is crucial.
 

Flexibility: No Bank Account Required

You don’t need to link a bank account to the Transfer platform—just a valid Credit Card is enough to start the transaction. This gives users more freedom, especially for those who prefer not to share their banking information.

Perfect for expats, travelers, or anyone without an active bank account.
 

Security: Advanced Fraud Protection

Modern credit cards come with strong security features such as two-factor authentication, encryption, and recovery mechanisms in case of any unauthorized transaction. Furthermore, trusted Transfer platforms implement advanced security protocols to protect your data and transactions.

Additional peace of mind when handling your money.
 

Transparency: No Hidden fees or Surprises

Before you hit the "Confirm" button, the platform usually shows you all the details of the transaction: Transfer fees, exchange rate, and the amount the recipient will receive. This transparency helps you make an informed decision and keeps you confident in the service.

Helps you compare offers and select the most cost-effective option.

TOWB Recommends:

If you’re looking for a balance of speed, security, and flexibility—using a Credit Card for transfers is an unbeatable choice. Just be sure to use a reliable platform and review the terms before paying.

Important Considerations Before Sending

Before you send money, keep the following in mind:

Fees: In some cases, fees may be higher compared to other payment methods.

Exchange Rate: Make sure to compare available options to get the best rate.

Transfer Limits: Some platforms may impose daily or per-transaction limits.

Recipient Preferences: It’s best to know if the recipient prefers a bank account, mobile wallet, or cash pickup.

Identity Verification: Both the sender and recipient may be required to provide identification documents in compliance with anti-money laundering regulations.

Tips for Ensuring a Smooth and Safe Transfer Experience

To ensure the best experience:

Use a secure, private Wi-Fi network when making your transfer.

Regularly update your details and the recipient’s information to avoid any unexpected issues.

Don’t hesitate to contact customer support if you have any concerns, as time is money.

Plan your transfers in advance, especially for large amounts or recurring transfers.

Conclusion: One Card, an Integrated Transfer Experience

In 2025, Sending money to Ghana is no longer just a traditional financial operation—it’s a seamless, integrated experience that starts from the comfort of your home and ends with secure, fast delivery to the recipient. Using a Credit Card offers you fast execution, transaction protection, and ease of use without banking complications.

But to make the most of it, remember to:

Compare fees and exchange rates between available options.

Choose the best receiving method for the recipient (bank, mobile wallet, or cash pickup).

Review the details of the transaction before sending to avoid any surprises.

Ready to send money to Ghana?
Start now with TOWB, and enjoy secure, fast, and transparent transfers—all at the click of a button.