Coinepay | How to Send Money to Ghana from the UK with Coinepay

Coinepay Global Remittance lets you send money from the United Kingdom to Ghana directly from the Coinepay app or the 24/7 self-service dashboard. Whether your recipient wants the money in their bank account, on their mobile wallet or as cash to collect, this guide walks through what you need, how to set up the transfer and how to keep track of it until it arrives.

Before you start, make sure your Coinepay account is registered and your identity verification (KYC) is complete. Transfers are subject to identity verification, sanctions screening and local regulations, and Coinepay may ask about the purpose or source of your funds. You can create an account or download the app for iOS or Android to begin.

What you need before you send

Ghana's local currency is the Ghanaian cedi (GHS). Gather the following from your recipient so the transfer is not held up:

The recipient's full legal name, exactly as it appears on their bank account or ID. A name that does not match can cause a rejection.
The payout details for the method you choose (see below).
A valid contact method for the recipient, in case the payout partner needs to reach them.

Ghana has no registered national IBAN format, so you will not be asked for an IBAN. Instead, you supply the receiving bank's details and the recipient's account number. You do not need an IFSC, CLABE or US-style routing number for a Ghana payout.

Choosing a payout method

Coinepay supports transfers to Ghana from the United Kingdom through the common local payout channels. Pick the one that suits your recipient best.

Bank account deposit

Money is paid into the recipient's Ghanaian bank account. For this route you typically need:

The recipient's full name as held by the bank.
The receiving bank's name.
The recipient's account number. Ghanaian account numbers commonly fall within an 8–20 digit range depending on the bank, so copy the number exactly as the recipient's bank provides it.
The bank's SWIFT/BIC code for an international bank transfer.

Ghanaian banks also use six-digit bank/branch sort codes. Ask the recipient's bank whether its sort code is required for the route you choose, and include it if so.

Mobile wallet

Mobile money is one of the most popular ways to receive funds in Ghana. The main local wallets are MTN, AirtelTigo and Telecel. For a wallet payout you generally need the recipient's registered mobile number and the name on the wallet. Confirm the number is active and correctly registered to your recipient, because wallet payouts can carry provider-side amount limits.

Cash pickup

With cash pickup, the recipient collects the money over the counter at a local agent. They will usually need a government-issued photo ID and the transfer reference number you receive when the transfer is set up. Ask the recipient to check the agent's current ID requirements before they travel to collect.

Step-by-step: sending the transfer

Open Coinepay and start a new transfer. In the app or dashboard, go to Global Remittance and select Ghana as the destination.
Choose the payout method. Select bank deposit, mobile wallet or cash pickup, then enter the recipient's details for that method as described above.
Set the currency and amount. Choose how you want the amount defined and the local payout currency (GHS for Ghana). Coinepay will show you the breakdown.
Review the exchange rate and fees. The exchange rate and any fees are shown clearly before you confirm. Check the amount your recipient will receive and the payout method one more time.
Add the purpose of the transfer. You may be asked for the purpose and, for compliance, the source of funds. Provide accurate information to avoid delays.
Confirm and fund the transfer. Once you confirm, Coinepay processes the payment through its licensed partners.
Track the status. Every transfer has status tracking in the app. Watch for updates from submitted through to paid out, and share the reference with your recipient where cash pickup is involved.

Recipient-side considerations in Ghana

Ghana's financial institutions operate under Bank of Ghana rules. A few points worth knowing in general terms:

Identity verification. Since December 2025, Bank of Ghana-regulated institutions apply revised Ghana Card identity-verification rules for financial transactions, with specific procedures and some exceptions for certain non-Ghanaian customers. Your recipient may need to present valid identification to receive funds.
Personal accounts for remittances. Under Ghana's money transfer operator rules, inward remittances handled by these operators are generally paid to personal accounts rather than business or corporate accounts. If your recipient is a business, ask them how they usually receive international payments, and contact Coinepay support if you are unsure which route fits.
Record-keeping. Providers and their local agents are required to record transaction details and submit regulatory returns. These are obligations on the operators, not something your recipient has to file themselves, but it is why accurate sender and recipient information matters.

Troubleshooting

Wrong recipient details

Incorrect names, account numbers or other bank details are a common reason a receiving bank rejects and returns a payment. Double-check every field before you confirm, especially the account number and the name spelling. If you spot a mistake after sending, contact Coinepay support as soon as possible.

Compliance or security review

A transfer can be placed on hold for identity, security or bank review, or if additional information is requested. This is routine. Respond promptly to any request for documents such as the purpose or source of funds so your transfer can continue.

Delays

Weekends and public holidays can slow bank processing, and funding plus currency conversion can add time before the Ghana payout is released. Check the status in the app before assuming something is wrong, and keep an eye on any messages from Coinepay.

Returned or cancelled transfers

A transfer may be returned if the receiving bank rejects the details, or cancelled for reasons such as insufficient funds, a payout route that does not fit the recipient's account type, or an uncollected cash pickup. If funds are returned, review the reason shown, correct the details and try again, or reach out to support for help.

Where to get help

You can manage and track every transfer from the Coinepay app or dashboard at any time. If you have a question about a specific payout method, a held transfer or whether your route is supported, contact Coinepay support or reach the team via Telegram. For more on Coinepay's services, visit the Coinepay home page.

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FAQ

Does Coinepay support sending money to Ghana from the UK?

Yes. Coinepay Global Remittance supports transfers from the United Kingdom to Ghana. You can pay out to a Ghanaian bank account, to a mobile wallet (MTN, AirtelTigo or Telecel) or as cash for pickup. All transfers are subject to identity verification, sanctions screening and local regulations.

Do I need an IBAN to send money to a Ghanaian bank account?

No. Ghana has no registered national IBAN format. For a bank deposit you supply the recipient's full name, the receiving bank's name, their account number and the bank's SWIFT/BIC. Ask the bank whether its six-digit sort code is also needed for your route.

What does my recipient need to collect a cash pickup in Ghana?

For cash pickup, the recipient typically needs a valid government-issued photo ID and the transfer reference number you receive when the transfer is created. Ask them to confirm the agent's current ID requirements before they go to collect.

How do I know the exchange rate and fees before sending?

Coinepay shows the exchange rate and any fees clearly in the app or dashboard before you confirm. Review the amount your recipient will receive and the payout details, then confirm only when you are satisfied.

Why might my transfer to Ghana be delayed or returned?

Common reasons include incorrect recipient details causing a rejection, a compliance or security review, weekend and holiday processing times, or a cancellation for issues such as insufficient funds or an uncollected cash pickup. Check the status in the app and respond to any requests for information promptly.

How to Send Money to Ghana from the UK with Coinepay