USD to GHS Exchange Rate Today
US Dollar to Ghanaian Cedi conversion for the Ghanaian diaspora in America. Track live USD/GHS rates every 30 minutes for family support, MTN Mobile Money, bank deposits, or travel to Accra and Kumasi — and time transfers around a volatile cedi.
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Frequently Asked Questions
What is the US Dollar to Ghanaian Cedi exchange rate?
The USD to GHS exchange rate has recently been around 11-12 cedi per 1 US dollar (about 11.3 in mid-2026). The cedi has depreciated heavily over recent years and can move sharply, so the rate you see today may differ noticeably from last month. The Bank of Ghana lets it float, and the United States is a major source of the remittances Ghana receives each year. The figure above is the live mid-market rate, refreshed every 30 minutes.
How can Americans send money to Ghana?
The lowest-cost choices are usually Paysend, TapTap Send and Ria — each pairs a low or zero fee with a tight rate — with Instarem close behind ($0 fee, small markup). Most of these deliver straight to MTN Mobile Money in minutes. Wise gives the exact mid-market rate but charges a little more to Ghana. Compare the cedi received per $100 rather than the headline fee. See our Send Money to Ghana guide for the full comparison.
Can I send money straight to MTN Mobile Money (MoMo)?
Yes — mobile money is how most Ghanaians receive funds. TapTap Send, Paysend, Ria, WorldRemit and others deposit directly into an MTN MoMo wallet (AirtelTigo Money and Telecel Cash work the same way) using the recipient's phone number, usually within minutes. They can spend it, pay bills, or cash out at a mobile-money agent, so no bank account is required.
Why has the Ghanaian cedi lost so much value?
The cedi's slide reflects high inflation, large fiscal and external-debt pressures (Ghana restructured its debt and entered an IMF programme in recent years), and heavy reliance on imports priced in dollars. Even as a major gold, cocoa and oil exporter, Ghana has seen its currency weaken substantially and move in sharp steps rather than gently. For families receiving money, a weaker cedi means more cedi per dollar sent — but it also makes timing and a tight rate matter more.
Is Ghana expensive for US tourists?
Ghana is generally affordable for Americans, though imported goods cost more because of the weak cedi. With $1 buying roughly 11-12 cedi, local food, markets, tro-tro transport and domestic travel are inexpensive, while Accra hotels, imported products and upscale restaurants run higher. Pay in cedi rather than dollars, and use a card or app with a fair rate to avoid poor airport-kiosk exchange.
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