Currency & Payment

Ghana uses the Ghanaian cedi (GHS, GH₵), divided into 100 pesewas. Cash is still the main way to pay for everyday purchases, especially at markets, small shops and for transport. Carry small denominations, as change for large notes can be hard to find.

You can change money at licensed forex bureaus, which are common in cities and usually offer better rates than hotels. US dollars, euros and British pounds are the easiest to exchange. Bring clean, recent banknotes, as worn or old notes may be refused, and always count your money before leaving the counter.

Cards are accepted at hotels, larger restaurants and shops in the main cities, mainly Visa and to a lesser extent Mastercard. Away from these places, many businesses are cash-only, so do not rely on cards alone. Carry enough cash for markets, small vendors and transport.

ATMs are available in cities and towns, usually at banks, and most dispense Ghanaian cedis. Visa is the most widely accepted card at ATMs, with Mastercard less common. Withdraw during the day at bank branches for safety, watch out for foreign-card fees, and always decline home-currency conversion (DCC) for a better rate.

Mobile money is extremely widespread in Ghana and is a central way to pay in daily life, with services such as MTN Mobile Money. It usually requires a local SIM and registration, so short-term visitors may not set it up easily. Getting a local SIM can make mobile money and everyday payments much simpler.

Tipping is not obligatory in Ghana but is welcomed and appreciated. In upmarket restaurants leaving around 10% for good service is common, and rounding up or a small tip for hotel staff, guides and drivers is a friendly gesture. Small cash tips are best.

Ghana can be affordable for everyday spending, especially local food and transport, while imported goods and upscale hotels cost more, with Accra the priciest place. You can eat well and cheaply at local eateries (chop bars) and markets, and shared minibuses (tro tros) are the budget way to travel.

Ghana applies VAT and related levies to many goods and services, and this is usually included in the price you pay. A tourist VAT-refund scheme like those in some countries is not widely established, so do not count on reclaiming VAT on purchases. Check current rules with the Ghana Revenue Authority before you travel.