Kwame, a young Ghanaian entrepreneur based in New York, divides his time between his budding technology business and his studies in business management. Despite the frenzy of his daily life, Kwame remains deeply connected to his roots and his family in Ghana. His mother, siblings, and other extended family members rely on his regular financial support to meet their basic needs.
For Kwame, sending money to Ghana goes beyond a mere financial act; it is an essential lifeline that connects two worlds. Every dollar he earns is meticulously distributed to meet the needs of his loved ones, covering everything from medical and educational expenses to daily bills and living costs.
Kwame’s financial support is crucial for his family, and he is not alone in this situation. Today, more than a million Ghanaians living in the United States, the United Kingdom, or elsewhere in Europe face similar challenges, working to improve the lives of their families back home.
This article aims to provide a detailed guide for navigating the nuances of money transfers to Ghana, covering legal and tax aspects, and exploring the different methods available to meet specific needs such as education or healthcare. We will examine the fastest, most economical, and most suitable options for sending or receiving money, ensuring that your funds reach their recipients safely and efficiently.
What are the different ways to send and receive money in Ghana?
While many Sub-Saharan African countries are in the development phase to improve the system of fund transfers to their country, it should be noted that Ghana is experiencing remarkable growth in terms of digital payments.
The dynamism of the mobile money sector in Ghana creates a fertile ground for fintech innovations. Indeed, this country stands out as one of the most promising mobile money markets in Africa.
In January of this year, data from Statista revealed that nearly 60% of Ghanaians aged 15 and older already had a mobile money account, illustrating the rapid and widespread adoption of these financial technologies among the population.
Many fintech companies have partnered with the Ghanaian government to improve the inclusion rate, which is currently at 58%.
Ghana has recently made notable advances in financial technology and is actively exploring the use of digital currencies.
The e-zwich system in Ghana is a biometric payment initiative launched to improve financial inclusion in the country.
Designed to allow users to access their funds through biometric identification, e-zwich is particularly beneficial for those who do not have formal identification documents.
This has made financial services more accessible to a large part of the population, especially in rural areas.
However, the financial literacy rate in Ghana is currently 68%, which implies that a large portion of the population lacks knowledge about these new financial mechanisms.
Today, most Ghanaians face difficulties in accessing many fund transfer systems from their family.
1 – Traditional Banks
Traditional banking services are among the reliable and secure options for sending and receiving money in Ghana.
Advantages:
- Security and Trust: Banks are regulated by financial oversight bodies, offering a high level of security and protection for your funds.
- Additional Services: In addition to money transfers, banks offer a range of financial services, such as investment advice, loans, and credit facilities.
- Direct International Transfers: You can send money directly from your bank account to an account in Ghana, simplifying the process without the need for intermediaries.
Disadvantages:
- High Costs: Transfer fees and exchange rates can be particularly high. Additional costs can accumulate, especially for frequent transfers or large amounts.
- Slower Process: The processing of international transfers can take several business days, which is not ideal for urgent needs such as healthcare.
- Complexity and Documentary Requirements: Sending funds abroad through banks may require comprehensive documentation and administrative formalities, sometimes making the process tedious.
- Requirement of a Bank Account: This requirement can be a major obstacle, especially in Ghana where only 39% of the population has a bank account. The main reasons are lack of funds, the cost of opening an account, and the absence of necessary documents (such as proof of residence, proof of income, and an identification document or its equivalent). This financial barrier limits access to money transfers for those who may need it most.
2 – Online Services and Apps
Online services such as Wise (formerly TransferWise), WorldRemit, PayPal, MoneyGram, and Cash App have revolutionized the way we send and receive money around the world.
They offer a convenient and often more economical alternative to traditional money transfer methods, suited to our digital age.
Further in this article, you will find our ranking of the fastest and least expensive ways to send or receive money in Ghana.
The introduction of mobile money in Ghana in 2009 marked a cautious turning point, evolving slowly compared to other African nations, a caution dictated by the initial restrictions from the Bank of Ghana.
However, in 2014, a change swept through when the Bank of Ghana reviewed and relaxed its regulations, issuing new guidelines on electronic money that energized the sector, thus facilitating a broader and faster adoption of mobile money services in the country.
Advantages:
- Speed and Ease of Use: These platforms enable fast, often instant money transfers with just an online operation or via a mobile app. Their intuitive user interface makes the process accessible to everyone.
- Cost-effective: The fees charged by these services are generally lower than those of traditional banks, especially for international transactions. They also offer competitive exchange rates, which can lead to significant savings.
Disadvantages:
- Need for an Account on the Same Platform: To receive money through these services, the recipient often needs to have an account. This can be a barrier for those who are not accustomed to using such services or who do not have access to technological means in Ghana. The cheapest smartphone costs up to 95% of the monthly salary of the poorest 20% of the region’s population. Despite very high expenses, most of them still find a way to buy one given its necessity.
- Lack of Customization for Specific Needs: These services are not specifically designed for needs such as healthcare access. They do not provide assurance that every cent transferred will be used for medical purposes or to improve the well-being of loved ones.
- Lack of Transparency and Tracking: While these platforms offer some transparency about fees and the transfer process, they do not provide a detailed mechanism to track how the funds are specifically used once received. This is crucial for donors who want to ensure that their financial support is directly allocated to specific needs, such as healthcare for their loved ones.
- Geographical Limitation: Often, these apps are designed to operate primarily in a single country or specific region, which is problematic for immigrants wishing to financially support their loved ones in Ghana.
- Data Security: Although these applications take measures to protect users’ financial information, concerns about the security of personal data remain.
3 – The e-Cedi and the Growing Cryptocurrencies
The e-Cedi is Ghana’s bold initiative to create a Central Bank Digital Currency (CBDC), aimed at facilitating better monetary policy and increased financial inclusion.
Initiated by the Bank of Ghana, the e-Cedi began its pilot phase in 2021, placing Ghana among the first African countries to explore such a digital currency.
Designed to operate alongside traditional money, the e-Cedi offers a secure and efficient means of transaction that also includes the unbanked populations.
It relies on blockchain technology for transparency while ensuring user confidentiality, thus bridging the gap between the banked and unbanked populations.
The CBDC is seen as a means to streamline payments, enhance financial inclusion, and potentially stabilize the digital economy by fostering trust and accessibility in financial transactions.
The main challenge lies in the level of financial and digital literacy, which is relatively high in some regions of Ghana. This lack of technological knowledge could limit access and effective use of the e-Cedi among the most vulnerable populations.
For the majority of Ghanaians, who do not have access to these new forms of digital payment, the challenges remain, leaving a large part of the population facing ongoing obstacles in their daily lives.
3.1 – The Online Health Credit Solution
If you want to support your loved ones in Ghana, especially in the health sector, health credits offer a solution that combines speed, security, and positive impact.
KimboCare was born from the lived experience of two African immigrants facing the challenges of supporting the health of their loved ones back in Africa while navigating their own lives in the United States and Europe, a story similar to that of Kwame mentioned in the introduction.
This story is not unique, but our response to this challenge is entirely so.
KimboCare was created to transform the way we take care of our families from afar, whether in Ghana or other developing countries.
Now, you can purchase digital health credits so your loved ones can access preventive and curative healthcare services without needing a bank account or a digital currency platform.
This process is simple, direct, and can be carried out from anywhere, at any time. These credits will be immediately usable by patients who will be welcomed in medical facilities always verified and monitored by KimboCare.
Rather than just sending money, often without guarantee that it will be used for necessary healthcare or without being able to ensure the quality of care received, health credits offer a transparent and secure solution.
This way, you get real-time tracking of the medical services purchased with the health credits, ensuring that every penny truly contributes to the health and well-being of the recipient.
The commitment lies in empowering vulnerable populations, particularly women and children, to access quality healthcare, thereby contributing to a longer and healthier life.
The utility of health credits lies in protecting your data with advanced encryption protocols, giving you additional peace of mind as you contribute to the health of your loved ones.
The Fastest Ways to Send or Receive Money in Ghana
To send or receive money in Ghana quickly, several options are available to you, each with its own specific features, advantages, and limitations. It is crucial to choose the method that best suits your needs, while considering speed, costs, and specific requirements.
Health Credits
By purchasing health credits, you can ensure that your financial support is directly used for quality health services.
For urgent health needs, prioritize services offering instant or same-day transfers. Some platforms, like KimboCare, directly inform the patient via SMS or a call.
Not only does this allow for an efficient and rapid transfer of funds, but it also ensures that your money contributes to a vital cause: the health of your loved ones.
Purchasing health credits frees you from the uncertainties and delays often associated with traditional money transfers.
When you buy health credits for a loved one in Ghana, the recipient can access the necessary care without delay, thanks to a network of reliable and verified medical partners.
Moreover, you benefit from complete transparency and real-time traceability of the medical services provided, which is not always the case with other money transfer methods.
Online Services and Mobile Apps
Online services and mobile apps are often the fastest for money transfers.
Platforms such as PayPal, Western Union, WorldRemit, and TransferWise (now Wise) enable nearly instantaneous transfers.
However, it’s important to note that these speeds can vary depending on the amount sent and the necessary security verifications.
Some platforms limit the amount you can send over a given period without additional verification, while others may require detailed information about the recipient for compliance reasons.
Moreover, although mobile wallets allow for instant transfers, the lack of digital payments in Ghana means that your recipient might not be able to access the money immediately, or at least use it quickly.
It’s also noted in the financial report from the Bank of Ghana that out of the 32.7 million registered mobile money accounts, only 14.7 million are active.
Some companies charge high fees to withdraw money from their system. For example, PayPal charges about 5%, which is about the same as a bank transfer fee.
International Banks
International bank transfers can also be quick, especially if both parties use the same bank or banks with cooperation agreements.
However, interbank transfers can be subject to delays due to stricter verification processes and the need to go through clearing systems.
Amount limits and specific requirements vary significantly from one bank to another.
This is particularly important in Ghana, where most households are limited in their withdrawals because some banks impose daily limits.
Moreover, it should be noted that the Ghanaian banking system is not easily accessible.
The remoteness of access points to financial services, such as banks or Automated Teller Machines (ATMs), is an obstacle to the expansion of financial services in Ghana.
Although the number of bank branches and ATMs has increased to 11.5 per 100,000 inhabitants, this is still far too few for the needs of active life and even emergencies.
The Least Expensive Ways to Send or Receive Money in Ghana
Sending or receiving money from a loved one involves adopting a strategic approach to minimize costs while ensuring the security and efficiency of transactions.
Online services and mobile apps often offer more favorable rates than traditional banks, thanks to their streamlined cost structures.
Although PayPal is better known for online payments, Xoom, a service of PayPal, is optimized for international transfers, offering reasonable fees and competitive exchange rates.
Indeed, the exchange rate is a critical factor in the total cost of an international money transfer.
It is important to note that Ghana has experienced significant inflation recently, which has had serious consequences on its currency.
The Cedi is facing significant depreciation against the US dollar, positioning it among the poorest performing currencies on the global stage. This situation is amplified by the consequences of the Covid-19 pandemic and rising global oil prices.
President Nana Addo Dankwa Akufo-Addo has identified several factors contributing to the depreciation of the Cedi, including low foreign currency inflows, black market activities, and financial speculation.
These elements negatively influence the exchange rate by causing market distortions that exacerbate monetary fluctuations and reduce confidence in the national currency.
The depreciation of the Cedi means that, although the amounts sent in dollars may convert to a greater number of Cedis than before, the purchasing power of this sum is diminished due to inflation.
Recipients in Ghana might find themselves in a situation where they receive more local currency for the same amount sent, but their ability to cover everyday expenses, adjusted for inflation, is reduced.
Is It Possible to Transfer Money with Zero Fees?
Platforms like TransferWise (now Wise) and Remitly are known for their competitive costs and transparency.
While the offer of fee-free money transfers may seem attractive, it can often be misleading, especially in countries like Ghana.
Money transfer companies need to generate revenue to operate, and if they do not impose explicit transfer fees, they may recover these costs in other ways.
This may include the application of exchange rates, which, as we have seen, is quite impacted due to the country’s inflation.
Additionally, the potential flaws in online payment systems in Ghana should not be underestimated, including monetary doubling scams.
The Bank of Ghana has highlighted a fraudulent scheme involving monetary doubling scams promising to double or triple the money invested by users through deceptive procedures.
Fraudsters ask victims to choose investment packages, after which a code is generated. This code then allows the scammers to access the victims’ WhatsApp accounts to continue their scams.
Authorities warn consumers by reminding them that promises of incredibly high returns are almost always signs of scams.
If something seems too good to be true, it probably is.
Therefore, it is important to be vigilant about hidden fees, which may appear in the form of additional service charges or indirect costs, but also about scams.
Reading the service terms carefully can spare you unpleasant surprises.
When the goal of your money transfer is specifically related to supporting the health needs of your loved colleagues in Ghana, purchasing health credits presents itself as an innovative solution offering affordable costs.
This guarantees your loved ones receive the necessary best healthcare while avoiding unnecessary fees or fluctuations in exchange rates.
You know precisely which care was provided, when, and at what cost, ensuring that your contribution has the desired impact.
Moreover, no money transfer is necessary, so you minimize the risks of hidden fees or scams.
Transferring Funds to Ghana Based on Various Needs
Sending money to Ghana goes well beyond a mere transaction. It is a manifestation of support, love, and investment in the future of your loved and ones.
Whether it’s about promoting access to education or ensuring the health of the family, each cedi sent carries the potential for change and empowerment, enabling your loved ones to pursue their dreams and build a better future for themselves and their communities.
Education and Employment
Investing in education is fundamental for many Ghanaian families. Cash transfers to cover tuition fees, textbooks, equipment, and other school supplies play a crucial role.
Thanks to banks or online transfer services, it is possible to send funds directly to educational institutions or specific bank changes. This direct method eliminates intermediaries and ensures that the funds reach their intended destination with accuracy and efficiency.
In Ghana, youth is a major component of the population, with 57% of residents being under 25 years old and 35% between the ages of 15 and 35.
Despite a rising level of education, driven by globalization and technological advances, these young people face a high unemployment rate and often poor-quality jobs, raising concerns about the relevance of the education and vocational training provided.
Take, for example, Kofi, a young Ghanaian graduate who has struggled to enter the local, saturated, and competitive job market. Like many young graduates, Kofi often finds himself without stable opportunities, making his future uncertain.
His brother, Kwabena, who lives and works in London as a software developer, understands the challenges Kofi faces. Every month, Kwabena sends about $500 to his family in Ghana. It is worth noting that the average salary in Ghana is 4000 cedis, equivalent to $270.
While this amount may seem modest in North America, it represents a real lifeline for Kofi, enabling him to cover his daily needs without immediate financial pressure, especially during periods of inflation.
Thanks to this financial aid, Kofi has also been able to enroll in online certification courses, thereby improving his skills and increasing his chances of finding a qualified job.
This support not only gives him the opportunity to stay afloat but also to position himself advantageously in an increasingly demanding job market.
The story of Kofi and Kwabena illustrates how, through targeted and thoughtful money transfers, families can not only meet immediate needs but also invest in the professional future of the youth, providing them with the tools necessary to overcome economic challenges and achieve their full potential.
Healthcare
When it comes to taking care of those who are far away, a major concern is ensuring that the financial aid sent truly reaches its intended purpose, especially in terms of healthcare.
This concern is even more justified in Ghana, where finding a competent and reliable healthcare professional for loved ones can prove to be a daunting task, particularly in emergency situations.
Navigating a complex healthcare system from a distance, without guarantees of quality or efficiency, and the fear of unforeseen additional costs are major obstacles to equitable access to healthcare.
For example, consider the story of Yaa, a single mother living in Kumasi. Although Kumasi has better access to healthcare facilities than some other regions, obtaining quality care there remains a significant challenge.
Disparities in care quality, inconsistency in applied standards, and variability in the expertise of healthcare providers exacerbate these difficulties.
As a result, residents like Yaa often face great uncertainty when seeking medical care.
When Yaa was confronted with a chronic illness requiring continuous care, she encountered difficulties in obtaining clear information about her condition.
Doctors seemed reluctant to discuss treatment options openly, which reinforced feelings of vulnerability and uncertainty for her brother, Kojo.
Kojo, who had emigrated to the United Kingdom a few years ago, often felt powerless about his sister’s illness back in Ghana.
Everything changed when a friend told him about KimboCare. This platform allows expatriates like him to directly pay for quality healthcare for their loved ones back in their home country, while offering transparency and tracking.
Eager to help his sister more effectively, Kojo quickly signed up for KimboCare and began using the service for Yaa’s care.
Thanks to KimboCare, Yaa was able to undergo a series of essential medical examinations to accurately assess her health condition. The results were clearly communicated, and a detailed treatment plan was established, transforming her healthcare experience.
She finally felt taken care of, with monthly visits scheduled with her care team, ensuring regular and reassuring follow-ups, an expense she otherwise could not have afforded.
KimboCare makes a difference by allowing expatriates to directly fund preventive and curative health services for their families in Ghana.
KimboCare not only provides a platform; it offers peace of mind, knowing that your financial support translates directly into quality healthcare.
You purchase health credits that are used exclusively for medical care at reliable and verified local partners, ensuring that your funds serve their intended purpose.
Additionally, KimboCare coordinates communications with medical staff as needed to ensure the best possible experience for your loved ones, allowing you to track the care and receive direct feedback from your loved ones themselves.
Food
Ensuring that our loved ones in Ghana have access to adequate and nutritious food is a fundamental concern, especially in regions where food quality can be compromised by economic limitations.
This is even more important during periods of high inflation where most food items are much more expensive for the entire population.
Sending money to cover food needs not only supports the physical well-being of our families but also enriches their happiness and daily security.
Ghanaian cuisine, rich and diverse, reflects the country’s culture.
Basic ingredients such as cassava, plantains, rice, and beans are used to prepare dishes that nourish not only the body but also the soul of the communities.
Take, for example, “Banku” served with spicy sauce and grilled tilapia, an emblematic dish that merges flavors, textures, and Ghanaian culinary traditions.
Nearly every Ghanaian, whether residing in the country or abroad, knows and appreciates this dish, a symbol of familial ties and deep cultural roots.
Soups and stews, such as “Light soup” or the famous “Fufu” with its rich sauce, also play a central role in daily nutrition.
These dishes, often accompanied by various types of meat and vegetables, offer comfort to those away from home, reminding them of the flavors of their youth.
These dishes are much more than mere meals; they are a connection to home for expatriates and a way of keeping traditions alive, even thousands of miles away.
For Ghanaians living abroad, sending money home often goes beyond simple financial aid; it is a means of ensuring that their families can procure these ingredients and prepare these traditional dishes.
Each money transfer is thus a way to perpetuate traditions, support local economies, and maintain a vital link with their cultural heritage.
These acts of solidarity support not only immediate needs but also strengthen social and cultural bonds, essential for the cohesion and well-being of families back home.
Thus, by choosing to send money to support traditional nutrition, Ghanaian expatriates are not just feeding their loved ones; they are also nourishing the community spirit and preserving a rich culinary heritage that defines Ghanaian identity around the world.
Safety Tips for Transferring Money to Ghana
In an ideal world, sending and receiving money across borders would be as simple and secure as making a phone call.
However, the reality of international money transfers can sometimes be complex, with risks of fraud and scams targeting the most vulnerable.
- Verify and Validate Your Fund’s Destination
Ensure that the money you send reaches the person you intend to help.
This may seem obvious, but in urgent situations, mistakes can occur.
Double-check the recipient’s contact details and information before proceeding with any transfer.
We recommend opting for recognized and well-established money transfer services that offer complete transparency about the path of your funds throughout the process.
- Do Not Trust Overly Attractive Offers
Scammers often use the promise of extremely favorable exchange rates or zero transaction fees to lure their victims.
If an offer seems too good to be true, it probably is.
Similarly, a common scam tactic is to create a sense of urgency, like a fake health problem of a loved one, to push you to send money quickly without verification.
- Never Share Your Personal Information
Be vigilant with your personal and financial data. Fraudsters may try to obtain it via phone, email, or social networks.
A legitimate business will never ask you to provide sensitive information through these channels.
It is better to turn to a program solution where data is protected with advanced encryption protocols, and you have access control.
- Ensure You Track Your Funds
It is very important to keep a record of each money transfer, which can prove invaluable in case of any issues.
These records allow you to trace and dispute any suspicious transaction.
After sending money, check with your recipient to confirm the receipt of the funds.
This simple step can help you quickly detect any potential fraud.
The best support you can get for sending or receiving money in Ghana is from an organization that ensures every penny is invested in specific needs (such as healthcare costs), with zero risk of diversion by unreliable intermediaries.
An Overview of Money Transfer Laws in Ghana
Ghana is the second-largest recipient of remittances in sub-Saharan Africa.
In 2021 alone, remittances amounted to 4.5 billion US dollars, representing 5.9% of the country’s GDP.
Today, remittances exceed 4.63 billion dollars, predominantly originating from the United States, Nigeria, and the United Kingdom.
The Bank of Ghana (BoG) is the principal authority overseeing money transfer operations.
It imposes strict standards on financial institutions and money transfer services to prevent money laundering and terrorism financing.
All companies offering money transfer services must be duly registered and licensed by the BoG.
The BoG’s guidelines for remittance services are designed to regulate the money transfer services provided by dedicated electronic money issuers (DEMIs) and enhanced payment service providers (EPSPs) in collaboration with money transfer organizations (MTOs).
These guidelines specify the minimum standards and requirements for providing incoming remittance services.
The Ghanaian mobile money landscape also provides a solid platform on which fintechs can build.
Ghana is currently one of the fastest-growing mobile money markets in Africa. While usage is increasing, the government’s target of achieving an 85% financial inclusion rate by 2023 has not been met.
The country still faces a significantly high rate of financial illiteracy and must double its efforts to impart necessary knowledge to the populations in need.
Tax Regulations for Sending or Receiving Money in Ghana
In Ghana, remittances sent by non-residents for personal expenses are generally not taxable.
This measure is designed to facilitate financial support from expatriates to their families without imposing additional tax burdens on these essential transfers.
However, any income generated in Ghana from these remittances, such as interest accrued on the amounts deposited in bank accounts, is subject to tax under local tax laws.
Beneficiaries must therefore declare this income in their annual tax returns.
Anti-money laundering legislation in Ghana has been substantially strengthened with the enactment of the Anti-Money Laundering Act 2020 (Act 1044), which replaces and consolidates previous regulations to comply with international standards.
Act 1044 has introduced significant changes, including increased oversight of responsible institutions and expanding the definition of illegal activities under surveillance.
These activities include fraud, corruption, counterfeiting, illegal trade, and more.
The Act also pays special attention to virtual asset service providers, reflecting the emergence of blockchain technology and the need to regulate cryptocurrencies and digital assets.
Consumer rights are protected by Ghanaian legislation, which requires money transfer service providers to provide clear and accurate information about fees, exchange rates, and fund delivery times.
At KimboCare, we emphasize the importance of being well-informed about these aspects, as it not only helps ensure hassle-free money transfers but also supports our mission to ensure equitable and affordable access to services, such as healthcare, for those in need in Ghana.
FAQ
How can I send money to Ghana in the safest way possible?
To ensure the safety of your money transfer to Ghana, choose recognized services with robust security protocols. Always check user reviews and make sure the service is regulated by competent financial authorities.
If you wish to send money to cover healthcare costs, opt for recognized services with robust security protocols. Our platform ensures that each financial partner adheres to high security standards, thus guaranteeing that your funds reach your loved ones safely.
Are money transfers to Ghana taxed?
In Ghana, remittances sent by non-residents for personal expenses are generally not taxable.
This measure is designed to facilitate financial support from expatriates to their families without imposing additional tax burdens on these essential transfers.
How long does a money transfer to Ghana take?
The transfer time can vary depending on the service used. Electronic transfers can be instant or take a few hours, while traditional methods like bank transfers may take several business days.
For urgent healthcare needs, prioritize services offering instant or same-day transfers. Some platforms like KimboCare directly inform the patient via an SMS or a call.
What are the typical fees associated with sending money to Ghana?
Fees vary widely depending on the chosen service, the amount sent, and the payment method. Some services charge a percentage of the transferred amount, while others apply fixed fees. Look for options offering total transparency on fees to avoid surprises.
Are there any amount limits for sending money to Ghana?
Yes, most money transfer services impose limits, which can vary depending on the chosen transfer method and the service’s regulations. Note that your recipients may also have bank withdrawal limits locally.
It is essential to check these limits before making a transfer, especially if you plan to send large amounts for needs such as covering medical expenses.
How can I ensure I get the best exchange rate when sending money to Ghana?
Compare exchange rates offered by different services before making your transfer. Some services allow you to lock in a favorable exchange rate in advance or offer more competitive exchange rates for higher amounts. However, Ghana is currently experiencing high inflation, which has led to the devaluation of its currency with very high exchange rates. Be wary of hidden fees that can affect the final amount received!
How can my loved ones in Ghana receive money?
Recipients in Ghana can receive money via direct deposits into their bank accounts, cash withdrawals at local service points, or even, for some services, home delivery. Make sure to choose a receipt method that best suits your recipient in terms of convenience and safety.
Regarding health credits, each purchased credit can then be offered to your loved ones for access to quality care in approved medical facilities.