Last reviewed: · Curated by Ohmyfin Organisation editorial.
Ghana sends funds to the United States for education, trade, and personal remittance purposes. GHS is converted to USD at the interbank rate under Bank of Ghana FX regulations before a SWIFT message is sent to a US correspondent (Citibank, JPMorgan, or Bank of America), which settles via Fedwire. OFAC screening is applied at the US end. Ghana's stable political environment and dollarised trade base mean the corridor is well-established, though GHS volatility and BoG controls can delay outward conversions. Ghana receives over USD 4 billion in annual remittances; the outward lane is smaller but growing with the diaspora. Use Ohmyfin to track your UETR for real-time GPI status.
Settlement path: GhIPSS / Bank of Ghana RTGS → Fedwire / CHIPS. Currency pair: GHS → USD.
The three most common causes of delay on this corridor are: (1) Bank of Ghana FX controls on outward GHS-to-USD conversion, (2) OFAC sanctions screening at the US correspondent, and (3) Correspondent chain length (GHS→USD at Ghanaian bank, SWIFT to US) adding processing time.
If the payment has not arrived within 5 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC shown on the Ohmyfin GPI tracker.
Most SWIFT transfers on the Ghana–United States corridor credit the beneficiary within 2 business days. In 95% of cases the payment arrives within 5 business days. The most common delay is bank of ghana fx controls on outward ghs-to-usd conversion.
The three most common delay causes are: Bank of Ghana FX controls on outward GHS-to-USD conversion; OFAC sanctions screening at the US correspondent; Correspondent chain length (GHS→USD at Ghanaian bank, SWIFT to US) adding processing time.
Track the UETR on Ohmyfin — the GPI status shows exactly which bank is holding the payment. If delayed beyond 5 business days, ask your sending bank to file an MT199 payment enquiry citing the UETR and the holding bank's BIC.
The dominant settlement path is GhIPSS / Bank of Ghana RTGS → Fedwire / CHIPS. The currency pair is GHS → USD.
No card needed. Free for ordinary users — completely free for individuals — no daily limit, no card required. Track any international wire across 11,000+ banks.
Track a payment now — completely free Or try the tracker now →