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
Today's indicative rate 1 NZD = 6.26 GHS · NZ$3.50 fee on NZ$100 · Delivery time: Few seconds
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.
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 rate · 17 Oct 2026, 12:25 pm Auckland time
1 NZD = 6.26 GHS
Last 30 days, one point per day
Indicative — see the live rate in the app
What arrives in Ghana
| You send | Fee | They get |
|---|---|---|
| NZ$100 | NZ$3.50 | 604.28 GHS |
| NZ$500 | NZ$5.50 | 3,096.57 GHS |
| NZ$1,000 | NZ$8 | 6,211.92 GHS |
Indicative, at the standard rate. Your exact rate, fee and amount are shown in the app before you confirm.
Registered, safe & DIA-supervised
- FSPR-registered (DIA-supervised)
- Trusted across New Zealand & Australia
- 256-bit encryption
- Fraud-monitored transfers
Worked examples
What arrives in Ghana
| You send | Fee | Your recipient gets |
|---|---|---|
| NZ$100 | NZ$3.50 | 604.28 GHS |
| NZ$500 | NZ$5.50 | 3,096.57 GHS |
| NZ$1,000 | NZ$8 | 6,211.92 GHS |
Indicative; the rate is confirmed when you send. Your exact rate, fee and the amount your recipient receives are always shown in the app before you confirm.
Today's rate
What 500 NZD sends to Ghana
At today's rate, this is roughly what your recipient in Ghana receives for 500 NZD, before the transfer fee.
Your recipient gets
~ GHS
Indicative example based on a 500 NZD transfer at today's rate. Rates move throughout the day — your exact rate, fees and the amount your recipient receives are always shown in the app before you confirm.
Sending from New Zealand
Send money from New Zealand to Ghana (NZD to GHS)
Paying in New Zealand dollars
You pay for your transfer in New Zealand dollars (NZD) by card, in the TopRate app. Any charge your payment method adds comes on top of the transfer fee, and your exact total is shown in the app before you confirm.
What your recipient in Ghana gets
Your recipient receives Ghanaian Cedi (GHS). The NZD you send is converted to GHS, and the app shows the exact GHS amount your recipient gets before you confirm. The worked examples above show what arrives for common NZD amounts at today's quote.
The NZD to GHS rate
Today's indicative rate is 1 NZD = 6.26 GHS. Rates move through the day, and the rate is confirmed when you send. Today's rate for New Zealand senders is on our NZD to GHS rate page.
Sending somewhere else from New Zealand? See every way to send money from New Zealand.
Delivery
How your money reaches Ghana — methods & speed
Delivery time to Ghana: Few seconds. Your exact delivery estimate is shown in the app before you confirm.
Mobile money
Paid out as mobile money in Ghana
Bank deposit
Direct 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 money from New Zealand 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, as New Zealand's AML/CFT rules require.
- 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.
Paying for your transfer
Ways to pay from New Zealand
Any charge a payment method adds comes on top of the transfer fee. Your exact total is shown in the app before you confirm.
Card Payment
Adds NZ$0.50 + 0.5%
Google Pay
Adds NZ$0.50 + 0.5%
Apple Pay
Adds NZ$0.50 + 0.5%
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
Keep exploring
Other ways to send money
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.
TopRate app
Ready to send NZD to Ghana?
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.
Trusted across NZ & Australia