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Send money from Germany to Ghana
For businesses paying suppliers, staff and partners. Fund in EUR by SEPA into your EUR account, then pay out in GHS to MTN MoMo, Telecel Cash, AT Money and Bank in Ghana. No correspondent banks, open at weekends.
Updated October 2026
Fund your ElementPay balance in EUR by SEPA into your EUR account, then pay out in GHS to MTN MoMo in Ghana. Most payouts are sent on local rails, with the rate shown upfront.
The route.
Your EUR balanceSEPAMTN MoMoRecipient in GhanaHow to send money from Germany to Ghana.
- 01Fund in EURTop up by SEPA into your EUR account, or use an existing USDC balance.
- 02Add the recipientPhone number in +233 format for mobile money, or bank details.
- 03Lock and sendThe GHS amount and fee are fixed before you confirm. Payouts go out on MTN MoMo as soon as you confirm, with a status for every payment.
Compared with a bank wire.
| BANK WIRE | ELEMENTPAY | |
|---|---|---|
| Delivery | 2–5 business days | Depends on the local rail |
| Weekends | Closed | Open |
| Fees | Deducted by intermediaries | Shown before you send |
| Delivers to mobile money | No | MTN MoMo, Telecel Cash and AT Money |
| Stablecoin funding | No | USDC and USDT |
Common questions.
What is the fastest way to send money from Germany to Ghana?
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Fund your ElementPay balance in EUR by SEPA into your EUR account, then pay out in GHS to MTN MoMo in Ghana. Most payouts are sent on local rails, with the rate shown upfront.
How much GHS will the recipient get?
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As an indication, 1 EUR is about 13.48 GHS (October 2026). Your exact rate and fee are shown before you confirm, and the GHS amount is fixed once you approve.
Which payout methods can I use in Ghana?
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MTN MoMo, Telecel Cash, AT Money and Bank.
Is it open at weekends?
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You can create payouts to Ghana at any time. Delivery timing depends on the local rail, and every payment shows its status.
Can I fund with stablecoins instead of EUR?
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Yes. You can fund any payout to Ghana from a USDC or USDT balance instead of EUR.
More routes.
