ATM Fees in Ghana
Ghanaian Cedi (GHS) • Updated April 2026
Ghana uses the Cedi. Cash is essential for most transactions. Mobile money (MTN MoMo) is widely used. Card acceptance limited to hotels and larger businesses in Accra. Note: High inflation has significantly increased prices.
Tips for Ghana
- • Bring USD or GBP to exchange
- • Mobile Money (MTN MoMo) very popular
- • ATMs available in cities, limited elsewhere
- • Bargaining expected at markets
- • English is widely spoken
- • Inflation has pushed prices up significantly
Airport tips
- • Kotoka International Airport (Accra) has ATMs
- • Exchange rates at airport are reasonable
- • Get Cedis before leaving Accra
Don't forget your home bank fees
The fees shown above are charged by local ATMs. Your home bank may also charge additional fees for international withdrawals (typically 1-3% + a flat fee). Check with your bank before traveling.
Estimated daily expenses
How much cash you might need per day in Ghana, per person.
Backpacker
Hostels, street food, public transport
GHS/day
≈ $28.67-64.16 USD
Mid-range
Hotels, restaurants, mix of transport
GHS/day
≈ $99.20-209 USD
Luxury
Premium hotels, fine dining, private transport
GHS/day
≈ $246-539 USD
Cash vs card acceptance
Where you'll need cash and where cards work in Ghana.
Credit card acceptance
LowCash essential. Mobile money widely used. Cards only at major hotels and some businesses in Accra.
You'll need cash for
- • Most restaurants
- • Transport (tro-tros)
- • Markets
- • Local shops
- • Most hotels
Cards usually accepted
- • Major hotels in Accra
- • Some international restaurants
- • Shopping malls
- • Some supermarkets
💰 Cheapest banks for foreign cards
These banks charge the lowest fees for withdrawals with foreign cards.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| Ecobank | 20-30 GHS | 0% | Visa/MC rate | ~1.50 USD | 70 | Pan-African bank |
| Standard Chartered | 20-30 GHS | 0% | Visa/MC rate | ~1.50 USD | 25 | Best for foreign cards |
| GCB Bank | 20-30 GHS | 0% | Visa/MC rate | ~1.50 USD | 200 | Largest local bank |
📍 Most widely available ATMs
Sorted by number of ATM locations. More branches means easier access, but fees may be higher.
| Bank | ATM Fee | Est. Cost | Branches | |||
|---|---|---|---|---|---|---|
| GCB Bank | 20-30 GHS | 0% | Visa/MC rate | ~1.50 USD | 200 | Best coverage |
| Ecobank | 20-30 GHS | 0% | Visa/MC rate | ~1.50 USD | 70 | Major cities |
| Standard Chartered | 20-30 GHS | 0% | Visa/MC rate | ~1.50 USD | 25 | Accra mainly |
🌐 ATM Alliance Benefits: If you bank with a member of these alliances, you may get reduced or waived ATM fees in Ghana:
View all ATM alliances →