🇺🇸 USD to 🇬🇭 GHS — US Dollar to Ghanaian Cedi Rate Today
Indicative interbank rate. Interbank rate updated 13 Jul 21:00 UTC (2h ago) · ExchangeRate-API (interbank)
Convert US Dollar to Ghanaian Cedi using the live indicative interbank rate and the converter below. Covers the cost of sending to Ghana via the major mobile money apps.
USD to GHS rate change
Change in the USD→GHS rate. + means the Ghanaian Cedi weakened against the US Dollar; − means it strengthened.
Currency converter
USD → GHS conversion table
| USD | GHS |
|---|---|
| 1 | 11.46 |
| 5 | 57.30 |
| 10 | 114.60 |
| 20 | 229.20 |
| 50 | 573.00 |
| 100 | 1,146.00 |
| 200 | 2,292.00 |
| 500 | 5,730.00 |
| 1,000 | 11,460.00 |
| 2,000 | 22,920.00 |
| 5,000 | 57,300.00 |
| 10,000 | 114,600.00 |
Table computed at the indicative rate of 1 USD = 11.46 GHS. Real operator-side values include a 1%-4% spread.
Popular USD → GHS amounts
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US Dollar to Ghanaian Cedi exchange rate history
Official vs Parallel Market Rate
Tracks live rateParallel premium reviewed 18 Jun 2026; the rate above tracks the live official rate (updated daily) — only the premium % is fixed.
The parallel rate shown is an indicative, community-aggregated figure sourced from CediRates forex-bureau avg. MomoCalc does not buy, sell, or set currency rates. Parallel rates vary by location, dealer, and time of day, and trading outside licensed channels may carry legal and security risks. Always confirm current rates with a licensed dealer before transacting. Educational only — not financial advice.
What moves the Ghanaian Cedi rate
The cedi is commodity-linked (gold, cocoa) and was shaped by the 2022-2024 sovereign-debt restructuring and the IMF programme. Inflation, the BoG's reserves and commodity prices are the drivers; the cedi saw heavy cumulative depreciation over that period.
About the US Dollar
The US Dollar (USD, $) is the world's primary reserve currency and the de facto reference rate for most African remittance pricing. It is issued by the Federal Reserve System and subdivided into 100 cents. For African routes, the USD plays two distinct roles: as the on-the-wire settlement currency that originating remittance providers use to hedge between markets, and as the unit of account that diaspora senders most often think in. When operators quote a USD-to-local-currency rate, the difference between that rate and the interbank mid-market — the spread — is where most of the route's cost is hidden, often dwarfing the visible send fee. For receivers in countries with thin USD interbank markets such as Sierra Leone or Mozambique, the published rate can lag the interbank reference by several percentage points.
About the Ghanaian Cedi
The Ghanaian Cedi (GHS, ₵) is the official currency of Ghana, issued by the Bank of Ghana. The current Cedi is the third iteration of the currency: it was reintroduced in July 2007 at a rate of 1 new Cedi for 10,000 old Cedis as part of a redenomination intended to simplify accounting and restore confidence in the unit. Subdivided into 100 pesewas, the Cedi has depreciated notably against the USD over the 2020s amid commodity-price volatility and inflation pressures. Ghana is a major gold and cocoa exporter, and Cedi liquidity often tracks commodity revenue cycles. For diaspora flows to MTN MoMo Ghana, AirtelTigo Money and Telecel Cash, the formal-channel Cedi rate sits close to interbank because Ghana's interbank market is comparatively deep and the abolition of the E-Levy in April 2025 removed a transaction-tax layer.
How to send US Dollar to Ghana
For transfers from United States to Ghana, the competitive options in 2026 are mobile-first remitters (Sendwave, LemFi, TapTap Send, Lemonade Finance), aggregators (Wise, WorldRemit, Remitly) and direct operator rails (MTN MoMo, Orange Money, M-Pesa Global). All-in cost depends on amount, receiving wallet and day. Compare options side by side on our Ghana inbound transfer page.
Related pairs
FAQ
What is the USD/GHS exchange rate today?
How much is 100 USD in GHS?
What's the best way to send US Dollar to Ghana?
Is the Ghanaian Cedi a stable currency?
Why is the rate I see on my mobile money operator different?
Rates shown on this page are indicative interbank reference rates updated daily. Operator send rates typically include a 1%-4% spread above this reference, which covers FX hedging cost, settlement risk and commercial margin. For exact send rates via M-Pesa, MTN MoMo, Sendwave, LemFi, WorldRemit, Wise or TapTap Send to Ghana, see the inbound transfer comparison.