🇸🇳 XOF to 🇬🇭 GHS — Franc CFA (FCFA) to Ghanaian Cedi Rate Today
Live indicative interbank rate, June 2026. Updated daily at 01:00 UTC.
Convert Franc CFA 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.
Currency converter
XOF → GHS conversion table
| XOF | GHS |
|---|---|
| 500 | 9.83 |
| 1,000 | 19.66 |
| 2,000 | 39.33 |
| 5,000 | 98.32 |
| 10,000 | 196.63 |
| 25,000 | 491.59 |
| 50,000 | 983.17 |
| 100,000 | 1,966.35 |
| 250,000 | 4,915.86 |
| 500,000 | 9,831.73 |
| 1,000,000 | 19,663.46 |
Table computed at the indicative rate of 1 XOF = 0.01966 GHS. Real operator-side values include a 1%-4% spread.
Franc CFA to Ghanaian Cedi exchange rate history
What moves the Franc CFA rate
The West-African CFA franc is pegged to the euro at a fixed 655.957 since 1999, guaranteed by the French Treasury. The rate therefore does not move against the euro; against the dollar it tracks EUR/USD mechanically.
About the Franc CFA
The West African CFA Franc (XOF, FCFA) is the official currency of the eight UEMOA member states — Senegal, Côte d'Ivoire, Mali, Burkina Faso, Benin, Togo, Niger and Guinea-Bissau. It is issued by the Central Bank of West African States (BCEAO) and pegged to the Euro at the fixed rate of 655.957 XOF per 1 EUR — the same parity as the Central African XAF, though the two are not interchangeable. The fixed peg has held continuously since the Euro's launch in 1999. Since 30 September 2025, BCEAO's PI-SPI regional instant-payment system has made individual transfers free and instant across all 8 UEMOA wallets, dramatically reducing the cost of remitting XOF within the union for ordinary users. EUR-XOF flows from the French, Belgian and Italian diaspora are by far the largest UEMOA inbound route.
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 Franc CFA to Ghana
For transfers from WAEMU zone 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 XOF/GHS exchange rate today?
How much is 100 XOF in GHS?
What's the best way to send Franc CFA 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.