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Guard Your Digital Doors: Essential Online Safety Tips for Overseas Ghanaian Workers

06 Sep 2023

There has been a noticeable rise in the number of Ghanaian employees looking for employment overseas in recent years. The World Bank recorded more than 1.7 million Ghanaians, representing 7.6% of the country’s population living in 53 different countries. Many Ghanaian expatriate employees find themselves navigating the digital world on a daily basis due to the advent of digitalisation and the availability of online connectivity. The internet has many advantages, but it also has certain concerns, particularly in terms of cybersecurity and online safety. This article seeks to offer crucial online security advice customised especially for Ghanaian expatriate workers, ensuring they can safeguard their personal information and how to send money to Ghana securely.

The Importance of Online Security


Although the digital age has greatly increased convenience, it has also made consumers more vulnerable to different threats. Cybercriminals may target Ghanaian workers working abroad who routinely transfer money online. Understanding the importance of internet security is essential for preventing fraud, identity theft, and financial loss.

Tips for Ghanian Overseas Workers

Secure Your Internet Connection

Establishing a secure internet connection is the first step in protecting your online transactions and digital identity. Avoid using public WiFi networks since they might be hacked. To protect your critical data, use a secure mobile network or a private, password-protected Wi-Fi connection.

Safeguarding Personal Data

Personal information, including bank account numbers, mailing addresses, and identifying information, is exchanged while conducting online money transfers to Ghana or other financial activities. Taking precautions for internet security helps stop fraud and identity theft.

How to Identify Phishing Attempts

Phishing attempts are common in online money transfers and can fool users into disclosing their login credentials or personal information. Be wary of links, emails, or texts that request sensitive information. To prevent falling for phishing schemes, always check the sender's email address and avoid clicking on unknown links.

If you typically send money to Ghana online from abroad, like many other expatriates, ensure online safety measures, some of which are given below.

Using Strong Passwords

For your online accounts to be secure, you must create strong, one-of-a-kind passwords. You must set passwords that are unique and cannot be breached or hacked. If you don’t know how to set unique and strong passwords, consider reading ACE Money Transfer’s Guide on Creating Strong Passwords.

Two-factor Authentication (2FA)

When feasible, enable two-factor authentication. By requiring a backup code to access accounts that are often provided to your mobile device, 2FA offers an additional degree of protection. Even if someone manages to get their hands on your password, this prohibits unauthorised access.

Prevent Sensitive Transactions on Public Wi-Fi

Public Wi-Fi networks can be risky since they are open to eavesdroppers and hackers. Avoid using public Wi-Fi for financial transactions or to access private information. Instead, utilise a virtual private network (VPN) or a safe, private network.

Update Your Apps and Software

Make sure your device is updated with the most recent fixes and software. Keep your software updated to reduce the chance of being exploited by hackers. Developers issue these updates to patch security flaws.

Secure & Cheap Online Money Transfer to Ghana 

Ghanaian expatriate employees frequently need to send money home. It is essential to provide a secure and safe transfer to your loved ones so they can avoid any hassles. The following tips can help you make secure and cheap transactions to Ghana from overseas.

Select Trustworthy Money Transfer Services

Select renowned money transfer companies that have a track record of dependable and safe transactions.

Check the Information on the Recipient

Before starting the money transfer, verify the recipient's information, including name and account number, to prevent any mistakes or fraudulent activities.

Verify the Exchange Rates and Transaction Fees

To make sure you are receiving the greatest bargain, be aware of the transfer costs and check the exchange rates.

How to Transfer Money Online to Ghana

With the rise of internet payment services, making an online money transfer to Ghana has become easier. 

Pick a Trustworthy Online Payment Platform

Choose a trustworthy online platform after proper research, as the market is replete with several providers, most of whom might not be as secure as you need. Go for a reliable and regulated provider like ACE Money Transfer, which is an FCA-regulated Authorised Payment Institution (API).

Create an Account

Follow the instructions for registering on the site, giving true information, and proving your identification.

Link Your Debit/Credit Card or Bank Account

Connect your account securely to your selected payment method. Once you set up these details while creating your online account with the chosen provider, you won’t need to repeat the information every time when creating cross-border transactions.

Add the Beneficiary

Enter the recipient's information, including name, address, and bank account information.

Additionally, If you want to know more about how to send money to Ghana securely and swiftly with ACE Money Transfer, then Here is more information.

Begin the Transfer of Funds

To start the money transfer to Ghana, follow the instructions provided by the provider’s website or mobile app. ACE Money Transfer enables you to transfer funds with only a few taps on your mobile screen, making the process entirely convenient and simple.

Verify the Transaction

 To prevent mistakes, double-check every piece of information before finalising the transaction. Checking your account information and the recipient’s details will let you complete the desired transactions swiftly without any trouble.

Receive Tracking Information and Confirmation.

You should receive confirmation and tracking information after you’ve initiated the transfer. You can track your transaction throughout its completion so that you remain with peace of mind that your hard-earned money is in safe hands.

Choose ACE Money Transfer for Secure Online Money Transfers to Ghana

Do you know why ACE Money Transfer is the best way to send money to Ghana from abroad? When sending money to Ghana via ACE Money Transfer, you benefit from the following:

Strong Encryption Techniques

ACE Money Transfer uses end-to-end data encryption to safeguard data transfer, guaranteeing that all critical information is shielded from unauthorised access.

Secure Website

To safeguard consumers' personal and financial information during online transactions, the ACE Money Transfer website has a secure connection (https://).

The Two-Factor Authentication (2FA)

By asking users to give a second form of verification in addition to their login credentials, such as a one-time code texted to their mobile device, two-factor authentication adds an additional layer of protection.

Identity Verification

Before beginning a transaction, ACE Money Transfer may ask clients to present legitimate identity and other necessary documentation in order to abide by laws and avoid fraud.

Transaction Monitoring 

To spot suspicious activity and stop fraudulent transactions during money transfers, ACE Money Transfer uses highly developed fraud detection and transaction monitoring tools.

Compliance with Know Your Customer (KYC) and Anti-Money Laundering (AML)

In accordance with AML and KYC laws, ACE Money Transfer confirms clients' identities and keeps track of transactions to look for and stop fraudulent financial activity.

Customer Assistance

A trustworthy money transfer service will provide reachable customer support to assist consumers with any problems or worries they might have while the transfer is being processed.

Secure Partner Network 

To enable safe money transfers to recipients, ACE Money Transfer has established a network of reliable banking and financial partners in Ghana; AZA Finance is ACE’s renowned partner, which enables secure and fast transactions.

Wrap Up

You can successfully protect your digital doors by being aware of the threats, bolstering your digital defences, and adhering to best practices. To ensure seamless and safe transactions, always utilise trusted money transfer services and secure online payment gateways. In the digital era, be cautious and give priority to protecting your personal and financial information. A money transfer to Ghana from the UK, Europe, Australia, Canada, and Switzerland via ACE’s remittance solutions is the best method for every expatriate.


What are the primary online threats faced by Overseas Ghanaian Workers?

Overseas Ghanaian workers often encounter threats such as phishing scams, malicious software, unsecured Wi-Fi networks, and identity theft. The risks increase when working remotely or accessing sensitive information from unfamiliar locations.

Why is it particularly important for Overseas Ghanaian Workers to focus on digital security?

Overseas Ghanaian workers may be targeted more frequently because cybercriminals perceive them to be less familiar with local digital threats or because they might be accessing sensitive information from their employers abroad. Moreover, being in a different country can sometimes make it harder to recover from a security breach due to differences in laws and regulations.

How can one ensure that the Wi-Fi network they are connecting to is secure?

Always connect to trusted and password-protected networks. Avoid using public Wi-Fi for sensitive transactions. If necessary, use a Virtual Private Network (VPN) to encrypt your online activities and hide your IP address. Always check the authenticity of a network before connecting, especially in public places.

What should an individual do if they suspect they have become a victim of a cyber-attack or fraud?

Immediately change all passwords, especially those for banking and email accounts. Monitor financial statements for any unauthorised transactions. Report the incident to local authorities, the respective embassy, and the employer if work-related data was compromised. It's also a good practice to inform close contacts, as your accounts may be used to target them next.

Are there specific tools or software recommended for enhancing digital safety for Overseas Ghanaian Workers?

Yes, it's advisable to use trusted antivirus and anti-malware software firewalls and always keep them updated. VPNs are recommended for encrypting online traffic, especially on public networks. Two-factor authentication (2FA) should be activated on all possible platforms for an added layer of security.

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