ACE Money Transfer
ACE Money Transfer
19 Jan 2026
Ghanaians send money to Nigeria every day for family support, school fees, business payments, and cross-border trade. If you have been searching for how to send money from Ghana to Nigeria using Opay, here is the short answer: Opay is a Nigerian-focused wallet and does not support a direct international transfer route from Ghana through its app.
That does not mean you are out of options. You can still get funds into a Nigerian Opay account by using a licensed international remittance service like Ace Money Transfer. Ace deposits money into a Nigerian bank account, and the recipient then moves those funds into their Opay wallet in seconds. This guide covers the full process step by step, along with costs, tips, and alternative payout methods. All information is current for late 2026, but always double-check fees and limits before each send.
Opay is a mobile wallet and payments platform widely used across Nigeria for bills, airtime, and local transfers. Every Opay account is denominated in Nigerian Naira, tied to a Nigerian phone number, and verified through Nigerian KYC documents like BVN or national ID.
From Ghana, you cannot natively send money in Ghanaian cedi directly into an Opay wallet. The app simply does not have that feature for cross-border use. Instead, the practical workflow most people follow looks like this:
Sender in Ghana uses a licensed remittance provider to transfer funds to a Nigerian bank account.
Recipient in Nigeria receives the NGN deposit and loads it into their Opay wallet via the Opay app.
Regulatory rules from the CBN and Bank of Ghana require international remittances to flow through authorized channels. Informal wallet-to-wallet corridors are not compliant and carry risk. Starting with a regulated service like Ace Money Transfer keeps things safe and traceable.
Ace Money Transfer is a licensed international remittance platform that lets you send money online from Ghana to Nigeria without waiting in bank queues. It supports payouts to Nigerian bank accounts across major banks, including GTBank, Access Bank, Zenith Bank, First Bank, and UBA.
Most bank deposits process near-instantly or same-day when paid by card, making it a great option for people who need funds to arrive quickly. The entire flow is online, with transparent exchange rates and fees displayed before you confirm. Ace provides a reference tracking number for every transaction so you never miss an update on your transfer status.
Here is a clear walkthrough of the Ace Money Transfer process:
Step 1: Register Your Account Create an account on the Ace website or mobile app using your email, Google, or Apple ID. Enter your full legal name, address in Ghana, and phone number. For higher transfer amounts, you may need to upload your Ghana Card or passport for KYC verification.
Step 2: Set Up the Transfer Log in and select Ghana as your sending country and Nigeria as the destination. Enter the amount in GHS. The interface will show you the converted NGN amount, the fee, and the exchange rate in real time.
Step 3: Choose Your Payout Method Select bank deposit as your payout option. This is the primary and most reliable method for Ghana-to-Nigeria transfers. You will need the recipient's Nigerian bank account number and bank name.
Step 4: Enter Recipient Details Fill in the recipient's full name exactly as it appears on their Nigerian bank account, the 10-digit NUBAN account number, and bank name. Optionally add their phone number or email for notifications. The recipient can later move the funds into Opay from that bank account.
Step 5: Select Payment Method from Ghana Choose from debit card, credit card, or online bank transfer. Make sure your card is enabled for international payments to avoid declines.
Step 6: Add Payment Reason and Confirm Select a reason for payment such as "family support," "school fees," or "business invoice." Review the total GHS to be debited, the NGN the recipient will receive, and estimated delivery time. Click Pay Now to confirm.
Step 7: Track the Transfer Ace assigns a reference tracking number. View your transaction status in the app or dashboard: Pending, In Progress, or Paid Out. You will receive a notification once funds reach the recipient's bank.
Always save your tracking reference until the recipient confirms they have received the money.
Once Ace has deposited NGN into the recipient's Nigerian bank account, the rest happens inside Nigeria.
Confirm Bank Deposit - The recipient gets an SMS or mobile banking notification. They should verify the exact amount and sender details.
Fund Opay from Bank - Open the Opay app, tap "Add Money" or "Fund Wallet," and choose "Bank Transfer" or "Card." Initiate a transfer from their bank to Opay. This is typically instant and low-cost.
Use Opay Balance - The recipient can now pay bills, buy airtime, send to other Opay users, or withdraw to savings.
This two-step method is the standard workflow today for anyone who wants to send money from Ghana to an Opay user in Nigeria.
Ace offers multiple payout channels in Nigeria to match different needs:
| Payout Method | How It Works | Best For |
|---|---|---|
| Bank Deposit | Direct transfer to major Nigerian banks | Opay users who can fund their wallet from bank |
| Cash Pickup | Recipient collects NGN at an authorized partner branch with ID | People without a bank account |
| Mobile Wallet | Instant credit to supported digital wallets (where available) | Quick access without bank step |
Direct payout to Opay from Ghana is not yet standard, so bank deposit remains the recommended route for Opay users. Always confirm available payouts on Ace before making a transfer, as options can change.
Ace displays the exact fee and exchange rate before you confirm, so there are no surprises at the end. For context, the World Bank's Remittance Prices database shows that some providers charge up to 12% total cost on a GHS 300 transfer to Nigeria, while Ace's exchange rate margin for the Nigeria corridor sits around 4.99%.
Key factors to view before each transfer:
Fees - Shown upfront in GHS. Compare with bank wire fees, which tend to be higher for small amounts.
Exchange Rates - Ace locks in the GHS-to-NGN rate at confirmation. The CBN requires IMTOs to use the I&E Window rate for Naira payouts.
Limits - Depend on your verification level. Fully verified accounts access higher caps. Large transfers may require proof of funds.
Security - Ace uses KYC checks, anti-money laundering compliance, and encrypted card processing. Using a licensed platform is far safer than informal channels where you have zero recourse if something goes wrong.
Not every method suits every situation. Here is a quick comparison for guys trying to decide:
Ace Money Transfer - Best for people making regular or one-time transfers from a Ghanaian bank account or card to a Nigerian bank. Simple, fast, transparent. Ideal when the recipient uses Opay and Nigerian banks for day-to-day life.
Bank Wire (SWIFT) - Slower, often 2–5 business days, with high fixed fees. Only makes sense for very large sums where the per-transaction cost is a low percentage.
Cash-Based or Informal Channels - No tracking, no receipts, no regulatory protection. You risk losing your money with no way to recover it. Do not post your savings through unregulated dealers.
Cryptocurrency and Stablecoins - Some episodes of experimentation exist, but converting stablecoins to NGN requires technical knowledge, a crypto wallet, and live market liquidity. Not a practical replacement for everyday remittances.
For most people in Ghana who simply need to provide financial support or pay a business in Nigeria, using Ace Money Transfer to a Nigerian bank account and then funding Opay is the safest, most straightforward route available in 2026. Stop waiting on unreliable methods and start making your transfers with a platform that gives you full control, real-time tracking, and peace of mind.
