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.
1000 USD =
11,385.78GHS
1 GHS = 0.0878 USD
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Compare money transfer service fees for the best rates
USD to GHS conversion table
Common amounts at the current mid-market rate of 1 USD = 11.39 GHS.
Mid-market rate — the midpoint banks trade at, before any provider adds a margin. What you actually receive is below.
What you actually get for 1,000 USD
Nobody converts at the mid-market rate. At 1 USD = 11.39 GHS, a perfect conversion of 1,000 USD would be 11,386 GHS. Here is what 16 services would really send, fee and exchange-rate margin included.
On 1,000 USD, the gap between the best and worst option here is 845.10 GHS — the same money, converted on the same day. That difference is the fee plus the margin each service builds into its rate, and it is the only part of this page you can do anything about. How exchange-rate markups work.
Typical pricing for a bank-funded transfer, not a live quote — promotional offers and payment method can change it. Check the provider before sending. Rows marked est. use the provider's general figure, and USD est. one measured for USD sends but not for GHS specifically. Neither is ranked cheapest.
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, and 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.
Popular GHS Currency Pairs
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