Money in Ghana
Ghana uses the Ghanaian cedi. Here is how to pay there, whether to tip, and what common amounts are worth.
- Currency
- GHSGhanaian cedi
- Symbol
- GH₵
- Tipping
- Appreciated
Paying in Ghana
Carry cash for markets and taxis. Mobile money is widely used locally.
- Cards
- Accepted in cities and tourist areas
- Cash
- Easytrack Ghana calls Ghana basically a cash society, and cash is the norm in rural areas and local markets. Carry many small notes, since many vendors cannot change 50 or even 20 cedi notes.
- ATMs
- ATMs are widespread in major cities and tourist areas, in banks, malls, petrol stations and hotels. World Travel Guide (Feb 2025) reports daily withdrawal limits of generally GHS 1,000 to 2,000, and says fees may apply.
- Exchanging money
- Indus Travels says banks and bureaux de change are available in towns.
- Watch out for
- Easytrack Ghana advises counting change carefully and agreeing taxi fares before getting in. World Travel Guide (Feb 2025) reports cedi export is limited to GHS 1,000 and foreign currency above US$10,000 must be declared.
Tipping in Ghana
Around 10% in restaurants. Small tips for guides, drivers and porters.
Appreciated: Tipping isn't required, but a tip or rounding up is welcome.
Sources checked: Easytrack Ghana, Indus Travels, Ashanti African Tours, World Travel Guide, Goway.
Convert to and from GHS
Quick reference
| Amount | USD | EUR | GBP |
|---|---|---|---|
| 1 | 11.64 GHS | 13.04 GHS | 15.62 GHS |
| 10 | 116 GHS | 130 GHS | 156 GHS |
| 50 | 582 GHS | 652 GHS | 781 GHS |
| 100 | 1,164 GHS | 1,304 GHS | 1,562 GHS |
| 500 | 5,821 GHS | 6,521 GHS | 7,811 GHS |
What each amount is worth in GHS. Mid-market rates from 2 November 2026, 17:00 UTC.
Common questions
What currency does Ghana use?
Ghana uses the Ghanaian cedi (GHS).
Do you need to tip in Ghana?
Appreciated. Around 10% in restaurants. Small tips for guides, drivers and porters.
Can you pay by card in Ghana?
Accepted in cities and tourist areas. Easytrack Ghana calls Ghana basically a cash society, and cash is the norm in rural areas and local markets. Carry many small notes, since many vendors cannot change 50 or even 20 cedi notes.
Are there ATMs in Ghana?
ATMs are widespread in major cities and tourist areas, in banks, malls, petrol stations and hotels. World Travel Guide (Feb 2025) reports daily withdrawal limits of generally GHS 1,000 to 2,000, and says fees may apply.