Ghana (GH)
Ghana is one of West Africa's most attractive expat bases: English-speaking, politically stable, culturally warm and increasingly connected to the global African diaspora.
Currency & Money
Practical money tips for living in Ghana.
Denominations
Coins: 1, 5, 10, 20, 50 pesewas and 1, 2 cedi coins. Notes: 1, 2, 5, 10, 20, 50, 100 and 200 cedis. 1 cedi = 100 pesewas.
Payment Culture
Ghana is mobile-money first for everyday life. MTN MoMo, Telecel Cash and AT Money are used for taxis, food delivery, school fees, tradespeople and small shops. Cards work in malls, hotels and supermarkets, but cash is still needed in markets, trotro stations and outside Accra/Kumasi.
ATM Tips
ATMs are common in Accra, Tema, Kumasi, Takoradi and regional capitals. Use bank-branch or mall ATMs, avoid late-night withdrawals, and expect foreign-card fees plus possible low withdrawal limits. Bank apps and mobile money often reduce ATM dependence.
Exchange Tips
Use licensed forex bureaux or bank transfers. Keep receipts for larger exchanges. The cedi can move quickly, so price long leases, school fees and salaries carefully if quoted in USD. Avoid street money changers and screenshot exchange rates before large payments.
Pro tip: Best apps for expats
- • Wise — Send money internationally at near-interbank rates
- • Revolut — Multi-currency account, free ATM withdrawals (limits apply)
- • N26 — German IBAN, free account, good for EU residents