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Ghana Ghana Currency Guide

The currency of Ghana and how to prepare for payments — all on one page.

Currency

Ghanaian Cedi

GHS

Checking rates

Check with your bank app or card issuer before you go

The rate and fees you actually pay differ by bank and card issuer.

Payment Tips to Remember

Always pay in the local currency

If a terminal asks whether to charge in your home currency, always choose the local currency. Choosing your home currency triggers DCC (dynamic currency conversion), which adds a hidden markup.

Set up a travel card before you fly

Prepaid multi-currency travel cards let you convert money in the app beforehand and pay like a debit card locally. Fees are usually lower than cash exchange counters, and you can freeze the card instantly from the app if lost.

Airport exchange counters: last resort

Airport counters are convenient but tend to offer some of the worst rates. If you need cash, exchange via your bank's app before departure or consider withdrawing from a local ATM.

Check ATM fees on screen

Local ATMs may add their own operator fee. Check the fee shown on the confirmation screen before proceeding. If the ATM offers conversion to your home currency (DCC), choosing the local currency is usually better.

Keep some small cash

Every country has places that don't take cards — markets, tips, small transport. Carrying a small amount of cash in separate places keeps you covered.

Cards for Abroad

Explore the Wise multi-currency card

One account holding 40+ currencies, converting and paying at mid-market based rates. Handy for multi-country trips — no need to exchange for each currency separately.

Learn more

Local data

Get an eSIM for Ghana before you go

Activate mobile data with a QR code instead of swapping SIM cards. Buy it before departure and switch it on the moment you land.

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Check prices and availability on the booking sites.

City Guides in Ghana

Accra

Accra is Ghana's capital and largest city, offering a wide range of attractions. A visit to the Ghana National Museum lets you take in the country's history and culture together.

Kumasi

Kumasi, once the capital of the Ashanti Kingdom, lies deep in Ghana's interior. Flowers and greenery fill the city, giving it the feel of a garden.

Tamale

Tamale is the main city of northern Ghana, where mosques and cathedrals stand side by side, offering a look at diverse religious architecture. It's also a great place to experience traditional crafts at local workshops.

Sekondi-Takoradi

Sekondi-Takoradi is a coastal city in western Ghana where old forts and museums reveal the region's history. Its cathedral and other religious buildings are also worth a visit.

Cape Coast

Cape Coast is a Ghanaian port city that developed a unique history under the rule of several European powers from the 16th century onward. Traces of that past remain, making it a rewarding destination for history lovers.