How to Send Money from Nigeria to Ghana with PAPSS (2026)
To send from Nigeria to Ghana via PAPSS, log into your Nigeria bank (app, internet banking, branch, or USSD), pick International transfer or PAPSS, enter the recipient's details and the amount in NGN. The recipient receives GHS in under 120 seconds. Per-transaction cap: ~GHS 10,000 per transaction.
Wallet corridor went live February 2026 with CBN and Bank of Ghana cooperation.
Nigeria → Ghana limit and documents
Per-transaction cap : ~GHS 10,000 per transaction. Above that, split your transfer or use a different channel (SWIFT, WorldFirst). This is a reality the bank promos omit — plan for it.
Documentation required : Proof of funds + stated purpose. Above USD 2,000/month (individuals) or USD 5,000/month (SMEs), full CBN FX Manual documentation required.
Real-world timing : Often instant; some Nigeria-side flows reflect on the next business day depending on the sending bank.
Banks on this corridor
- First Bank of Nigeria (FirstMobile)
- Access Bank (AccessMore)
- United Bank for Africa (LEO)
- Zenith Bank (Zenith Mobile)
- Stanbic IBTC Bank (Stanbic IBTC Mobile)
- Sterling Bank (SterlingPro)
- Wema Bank (ALAT)
- Fidelity Bank (Fidelity Mobile)
- +11 more. Full list
- Ecobank Ghana (Ecobank Mobile)
- Zenith Bank Ghana (Zenith Mobile)
- Standard Chartered Ghana (SC Mobile)
- GCB Bank (GCB Mobile Banking)
- Absa Bank Ghana (Absa Mobile)
- Stanbic Bank Ghana (Stanbic Mobile)
- UBA Ghana (LEO Ghana)
- Access Bank Ghana (AccessMore Ghana)
- +5 more. Full list
Same-group tip: sending between the Nigeria branch and the destination-side subsidiary of the same banking group (Access, UBA, Zenith, Ecobank, Standard Bank) is usually the smoothest flow — internal compliance is already mapped.
NGN → GHS rate context
PAPSS settles directly in local currency — your Nigeria bank applies its own NGN → GHS rate at transaction time. Compare against the interbank mid-market to evaluate the margin.