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FX live, 150 of 153 currencies refreshed 19 Oct 2026 from open.er-api.com (exchangerate-api.com). The remainder use a seeded reference rate.
Transfer services from New Zealand to Ghana ranked by what they actually cost, at several amounts, because a flat fee and a percentage swap places as the amount grows.
2 services recorded as able to send from 🇳🇿 New Zealand and priced in 🇬🇭 Ghana.
MoneyGram
MoneyGram
on a $100.00 transfer
Cost shown on a $100.00 transfer.
$5.96
5.96% effective
A flat fee is punishing on a small transfer and almost free on a large one, while a percentage does the opposite. The cheapest option is not the same at every amount.
| Service | $100.00 | $500.00 | $1,000.00 | $5,000.00 |
|---|---|---|---|---|
| MoneyGram | $4.97 | $16.97 | $31.97 | $151.97 |
| Western Union | $5.96 | $19.96 | $37.46 | $177.46 |
Bold is the cheapest option at that amount. Figures exclude the provider’s exchange-rate margin, which UnifyPay does not yet track and which on many remittance rails costs more than the fee itself.
Of the 2 services recorded on this corridor, MoneyGram is the cheapest on a $100.00 transfer at about $4.97, which is 4.97% of the amount. Larger amounts can change the order, because flat fees and percentages do not scale together.
MoneyGram is the quickest recorded here, settling instant. Settlement times are the provider's own stated target and can be longer when a transfer is held for checks.
On a $100.00 transfer the gap between the cheapest and the most expensive recorded option is $0.99, which is the difference between MoneyGram and Western Union.
A service appears here only where it is recorded as able to send from New Zealand and has a current fee on file in Ghana. Corridors we cannot evidence get no page at all, rather than an empty one.
Fee data on UnifyPay is indicative reference information, not a quotation. Rates change without notice, vary by contract, volume, risk profile and card mix, and many local rails publish no rate card at all. Always confirm against your provider's own pricing before making a commercial decision.
since 3 Jun 2025
