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Dollars to Ghana, at a rate you accept before you wire.

Send $5,000 or more from your US bank to any bank account in Ghana. You see exactly what arrives before you commit, and you can follow every step.

  • Your wire goes to an account held for you, never into Sisa's own accounts.
  • No transfer fee. The GHS you're shown is the GHS that arrives.
  • Real people on chat, phone and WhatsApp, in your time zone and theirs.

See what arrives

USD
  • $0.00Transfer fee
  • $25,000.00Amount we convert
  • 11.70Indicative rate
GHS

Get started

Today's rate

11.70

GHS per US dollar

Checking today's hours…

Indicative.

Today, in New York and Accra

    How it works

    1. Create your account

      Sign up in the app and verify your identity. It takes about five minutes. Businesses verify the company and its owners.

    2. Get a live rate

      Enter the amount and your recipient's Ghana bank account. When the rate suits you, accept it. It's locked for 10 minutes on screen.

    3. Wire from your own bank

      Your wire details appear in the app only after you accept. Send from an account in your own name, before 2:00 PM ET.

    4. We pay out in Ghana

      When your wire lands, we convert it and pay your recipient's bank. You get a notice at each step and a settlement confirmation at the end.

    How rates work

    One rate, sourced across several providers, with our margin built in. There's no separate transfer fee.

    Indicative on this page
    The rate here is a guide, updated every five minutes during US banking hours. Your live rate appears in the app once you're verified.
    Fixed when you accept
    A live rate holds for 10 minutes on screen. When you accept it, the GHS amount is fixed: that's what your recipient's bank receives. We round it down to the nearest pesewa.
    US banking hours
    Live rates are available from 9:00 AM to 1:30 PM ET on US banking days, and your wire must land by 2:00 PM ET. Wires that land by 11:00 AM ET are usually paid out the same day.
    If your wire is late
    Accepted rates that aren't funded by the cutoff expire at no cost to you. If your wire lands after that, you choose: take a new rate, or get your money back in full.
    Larger transfers
    Above $250,000, our desk prepares your rate, usually within 15 minutes. For larger amounts we may ask for a supporting document, such as a property contract or a school invoice.
    Your bank's fee
    Your US bank may charge its own fee to send a wire. That fee is separate from Sisa.

    Who uses Sisa

    Families

    School fees, building projects and support at home, paid straight to a bank account in Ghana.

    Businesses

    US LLCs and corporations paying suppliers, staff and partners in Ghana, from a business account.

    Brokers and affiliates

    Bring clients to Sisa and earn on the transfers they make. Partners sign in through the same app.

    Trust center

    Scammers pretend to be banks, lawyers, relatives and companies like ours. Here's how to tell it's really Sisa, and what to do if something feels wrong.

    Sisa will never

    • Send bank details by email, text or WhatsApp.Wire details only appear in the Sisa app, after you accept a rate.
    • Change a transfer's bank details by message.If you're told the details changed, stop and check in the app.
    • Ask for a one-time code or your password.Not by phone, not by chat, not even to help you.
    • Ask you to accept a rate by message.Rates are only accepted in the app, by you.
    • Ask you to move money to a "safe" account.There's no such thing. Anyone who asks is a scammer.

    These rules are built into our systems: our own team's tools refuse to send messages that contain account numbers or ask for codes.

    Signs of fraud

    • Someone you've never met in person asks you to send money, and it's urgent.
    • You're told to keep a transfer secret, or to give a false reason for it.
    • Bank details change at the last minute, by email, text or WhatsApp.
    • A rate much better than anywhere else, offered by message.
    • Someone claiming to be Sisa contacts you first and pushes you to act fast.
    • You're asked to pay a fee to "release" or "unlock" a transfer.
    • A job, investment or prize that needs you to send money first.

    Official channels

    • The Sisa appThe only place your live rates and wire details appear.
    • sisa.africaCheck the address before you sign in.
    • WhatsApp [official number]Our account shows the name Sisa. We never send bank details there.
    • Email from @sisa.africaLook-alike addresses are not us.
    • [support phone]If someone calls claiming to be Sisa, hang up and call this number.

    Report fraud

    1. Stop. Don't send money or share a code while you check.
    2. Tell us. In the app under Help, Report fraud; by phone; or at fraud@sisa.africa. If a transfer is in progress, we can hold it while we check.
    3. Call your bank if money already left your account, and ask them to recall the wire.
    4. Report it officially. In the US at ReportFraud.ftc.gov and ic3.gov. In Ghana, call the Cyber Security Authority on 292.

    Help

    Getting started

    Who can use Sisa?

    Adults who live in an eligible US state, and US businesses. You need a US bank account in your own name, or your company's name. [eligible states]

    What do I need to verify?

    A government ID, your Social Security number or ITIN, your address, and where your money comes from. Businesses also need their formation documents, EIN and details of their owners.

    How long does verification take?

    We reply within 4 business hours, and most people are verified the same day.

    Rates and fees

    Do you charge a fee?

    No. Our margin is built into the rate, and the GHS amount you see before you accept is what arrives. Your own bank may charge to send a wire.

    Why is my live rate different from this page?

    This page shows an indicative rate, refreshed every five minutes. Your live rate reflects the market at the moment you ask, and it's fixed once you accept.

    How much can I send?

    From $5,000 per transfer. Up to $250,000 in the app; above that, our desk prepares your rate, usually within 15 minutes.

    Timing and payouts

    When does my recipient get the money?

    Usually the same day when your wire lands by 11:00 AM ET. Otherwise on the next Ghana banking day. You'll see every step in the app.

    Which accounts can receive money?

    Any bank account in Ghana. We check the name on the account before we pay. Mobile money wallets aren't supported yet.

    What if the payment comes back?

    If the recipient's bank returns it, we tell you right away. You can correct the details and send it again, or get your money back.

    Safety

    Why can't I get wire details by email?

    So they can't be intercepted or changed on the way. Wire details are only shown in the signed-in app, after you accept a rate.

    How do I know a message is really from Sisa?

    Check it against our official channels in the Trust center. If you're unsure, don't reply: open the app, or call us on the number listed there.

    About Sisa

    Sending larger amounts to Ghana has often meant unclear rates, surprise fees and days of not knowing where the money is. Sisa is built to change that: one rate you accept before you wire, no transfer fee, and every step visible.

    We focus on the payments that matter most, from school fees and building projects to supplier invoices, and we pay into bank accounts in Ghana. [Founders, team and offices]

    How we look after your money

    Held for you
    Your wire lands in an account held for clients, separate from Sisa's own money.
    Two people for big decisions
    Large payouts, returns and any change to our bank details need a second person's approval.
    Checked every day
    We reconcile our records against the bank every business day.
    A permanent record
    Every action by our team is logged, and the log can't be edited.