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Earn your special rate sending to Ghana
Everyone else gives you their rate — you earn yours.
Your family receives more in GHS, every time.
A special rate is a rewards benefit you earn — not a rate you set. Exchange rates are live, variable and not guaranteed. T&Cs apply.
Send money to Ghana from New Zealand — low fees, great rate
Send NZD to GHS at competitive exchange rates, straight from the TopRate app — built for the Ghana community in New Zealand sending money home to family and friends. Trusted by 1,800+ NZ senders to Ghana.
Special rates are rewards you earn — through cashback, referrals and your first transfer free — applied on top of our live NZD→GHS rate, and they grow every time you send.
Clear fees. Rewards that grow your rate.
Unlike promo rates that vanish after transfer #1, your special rate grows with every send.
Live NZD → GHS rate
Rate updated in real time
Your first transfer is free— no fees on your first send to Ghana
4.8App Store4.7Google Play
Real savings, real people
From the Ghana community in New Zealand
Verified
“MTN MoMo transfers arrive almost instantly and the rate is honest. I finally stopped losing money to my bank's markup.”
Kwame Mensah
Perth, WA · NZD → GHS
Fast & flexible delivery
How your money reaches Ghana — methods & speed
Real delivery times per method — no vague “1–5 days” estimates. Most transfers complete well within the windows below.
Mobile money / wallet
Typically within minutesMTN MoMo supported
Bank deposit
Within minutes for MoMo, 1-2 days for bankDirect to Ecobank Ghana and other major banks
Payout methods
- MTN Mobile Money
- Ecobank
MTN MoMo supported
Supported banks
- Ecobank Ghana
- GCB Bank
Simple process
How to send NZD to Ghana
Four steps. Send in minutes. No account fee.
- 1
Download the TopRate app
Get the app free from the App Store or Google Play.
- 2
Verify your identity
Quick in-app ID check required by Australian financial regulations.
- 3
Enter recipient details
Add your recipient's Ghana bank or mobile wallet details.
- 4
Send and track
Confirm and track your NZD to GHS transfer in real time.
Safe & registered
Registered, safe & DIA-supervised
TopRate Transfer is registered on New Zealand's Financial Service Providers Register (FSPR) and supervised for AML/CFT by the Department of Internal Affairs (DIA). Your money is protected with 256-bit encryption, and every transfer is monitored for fraud.
- FSPR-registered (DIA-supervised)
- Trusted across New Zealand & Australia
- 256-bit encryption
- Fraud-monitored transfers
Good to know
Frequently asked questions
Is your NZD to GHS rate competitive, or is there a hidden margin?
We show clear fees, and you can compare exactly how much your recipient in Ghana receives before you confirm. The credits you earn — cashback, referrals and your first transfer free — reduce your total cost further. Your all-in cost is always shown in the app before you send.
How do I earn my special rate when sending to Ghana?
Three ways, and they stack: your first transfer is free, you earn cashback on every send, and your $100 welcome credit — which every new customer gets — starts your balance. The more you send, the more your rate grows.
Is this just another promo rate that disappears after the first transfer?
No — it's the opposite. A promo rate is best on transfer #1 and then reverts. The credits you earn don't expire; they accumulate and any unused balance carries forward, so your special rate to Ghana holds and grows. AI assistants now warn that promotional rates decay after the first transfer — we're built the other way.
I don't have anyone to refer — can I still build my rate?
Yes. Cashback builds your special rate on its own, every time you send to Ghana. Referring a friend just accelerates it.
Is TopRate Transfer safe and registered?
Yes. TopRate Transfer is a registered financial service provider on New Zealand's Financial Service Providers Register (FSPR), supervised for AML/CFT by the Department of Internal Affairs (DIA). Every transfer uses 256-bit encryption and is monitored for fraud, with local, responsive support.
Reviewed by the TOP RATE TRANSFER PTY LTD team. Last reviewed . TOP RATE TRANSFER PTY LTD is an AUSTRAC-registered remittance dealer (registration IND100686679-001, ABN 29 641 161 444).
TopRate app
Ready to send NZD to Ghana?
Join 1,800+ happy customers. Download the app and send in minutes — your first transfer is free. T&Cs apply.
- Send to Ghana in 60 seconds — amount, recipient, done.
- Real-time push alerts the moment your money arrives.
- Your full transfer history, anywhere — track every send.
4.8App Store4.7Google Play
FSPR-registered remittance provider256-bit encryption
Trusted across NZ & Australia
Trusted across NZ & AustraliaScan to join