Ghana - Money
Currency & Money
Ghanaian Cedi (GHS; symbol ¢) = 100 Ghana pesewa coins. Notes are in denominations of ¢200, 100, 50, 20, 10, 5, 2, and 1. Coins are in denominations of ¢2, ¢1 and 50, 20, 10, 5 and 1 pesewa coins. The 5 and 1 pesewa coins are rarely used.
Credit cards (Visa and MasterCard) are accepted, but their usage is limited to specific places like hotels, restaurants, and major shopping centres. Notify your bank of your travel plans to Ghana and ensure your card has fraud protection.
ATMs are widespread in major cities and touristy areas. They are typically located at banks, shopping malls, petrol stations, and hotels. Daily withdrawal limits vary but are generally capped at GHS 1,000 to GHS 2,000 (approximately $100–$200 USD). Transaction fees may also apply.
Importing foreign currency: Travellers can bring up to US$10,000 or its equivalent in foreign currencies into Ghana. Amounts exceeding this must be declared upon arrival using the customs authorities' Foreign Exchange Declaration Form (FXDF).
Importing local currency: There are no specific restrictions on the amount of local currency that can be brought into Ghana. This is likely because the Ghanaian Cedi is difficult to obtain outside of Ghana or its neighbouring countries.
Exporting foreign currency: Travellers can export up to US$10,000 or its equivalent in foreign currencies. Amounts exceeding this must be declared.
Exporting local currency: The limit is 1,000 Ghanaian Cedi.
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