Getting paid from abroad is one of the biggest headaches for Ghanaian freelancers and remote workers. The best method depends on who is paying you and how much. Here are the main routes.
Option 1: withdraw from your freelancing platform
Platforms like Upwork and Fiverr list the withdrawal methods available for your country in your account settings. Upwork, for example, describes Direct to Local Bank withdrawals that usually arrive within four days. Check what your platform offers for Ghana, and compare fees.
Option 2: Payoneer
Payoneer is widely used by freelancers: clients and platforms pay into your Payoneer account, and you withdraw to a bank account. Payoneer says most bank withdrawals arrive the same day, though some take up to two business days. Check Payoneer’s fees for receiving, converting and withdrawing before you rely on it.
Option 3: a bank transfer to a domiciliary account
Many Ghanaian banks offer domiciliary (foreign currency) accounts in US dollars, pounds or euros. A client or employer can send an international bank (SWIFT) transfer to it. This suits larger payments and regular salaries. Ask your bank about the account requirements, incoming transfer charges and withdrawal rules.
Option 4: remittance services to MoMo or bank
For money from family and friends abroad, international transfer services can pay out to Ghanaian mobile money wallets or bank accounts. MTN says you can receive money from abroad into your MoMo account through its remittance partners.
Comparing your options
| Method | Best for | Watch out for |
|---|---|---|
| Platform withdrawal | Upwork, Fiverr earnings | Withdrawal fees and exchange rates |
| Payoneer | Multiple clients and platforms | Receiving, conversion and withdrawal fees |
| Domiciliary account (SWIFT) | Large or regular payments | Incoming charges, intermediary bank fees |
| Remittance to MoMo | Family support, smaller amounts | Exchange rate margins, MoMo wallet limits |
Tips
- Compare the total cost: fees plus the exchange rate.
- Keep your names consistent across your ID, bank, MoMo and payment accounts, or transfers can be held.
- Check MoMo limits for large amounts. See how to send money with MTN MoMo.
- Keep records of contracts and payments for tax purposes.
This guide was checked in October 2026. Menus and services change, so if something looks different on your phone, check with your provider.
Common questions
Can I receive money from abroad on MoMo?
Yes. MTN says you can receive money from abroad into your MoMo wallet through its remittance partners, and many international money transfer services pay out to Ghanaian mobile money.
What is a domiciliary account?
A foreign-currency account (for example in US dollars) at a Ghanaian bank, which lets you receive and hold foreign currency.
Can I use PayPal in Ghana?
PayPal’s features for Ghana have been limited and confusing. Check exactly what your PayPal account can do before asking clients to pay that way.
How do I avoid losing money on exchange rates?
Compare the total cost: transfer fees plus the exchange rate used. A “no fee” service can still give a poor rate.
