Remittance Prices Worldwide

MAKING MARKETS MORE TRANSPARENT

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Transfer money

Sending money from NETHERLANDS to GHANA

Data collected on: Nov 20, 2024-Nov 28, 2024
EUR | USD
Firm
Payment instrument
Access point
Sending network coverage
Transfer speed
<em>Transfer Speed</em> has been standardized in six broad categories.
Receiving method
Disbursing network coverage
Fee
Exchange rate margin (%)
The exchange rate margin is the cost resulting from the fact that the firm applies a rate that is different from the market reference rate. The margin is the percentage difference between the market reference rate and the exchange rate actually applied to the transaction.
Total cost (%)
The total cost of sending a remittance transfer includes: the fee charged to the sender plus the exchange rate margin.
Total cost (EUR)sort descendingTotal cost (USD)sort descending
The total cost of sending a remittance transfer includes: the fee charged to the sender plus the exchange rate margin.
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
3.004.29
Exchange rate margin (%)
0.27
Percentage difference between market reference rate 16.29 and exchange rate charged 16.240.27
Total cost (%)
2.412.41
Total cost (EUR)sort descendingTotal cost (USD)sort descending
3.374.81
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
3.004.29
Exchange rate margin (%)
0.29
Percentage difference between market reference rate 16.29 and exchange rate charged 16.240.29
Total cost (%)
2.432.43
Total cost (EUR)sort descendingTotal cost (USD)sort descending
3.404.86
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
0.991.41
Exchange rate margin (%)
1.89
Percentage difference between market reference rate 16.71 and exchange rate charged 16.391.89
Total cost (%)
2.602.60
Total cost (EUR)sort descendingTotal cost (USD)sort descending
3.645.20
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
0.991.41
Exchange rate margin (%)
1.92
Percentage difference between market reference rate 16.72 and exchange rate charged 16.391.92
Total cost (%)
2.632.63
Total cost (EUR)sort descendingTotal cost (USD)sort descending
3.685.26
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
0.991.41
Exchange rate margin (%)
2.07
Percentage difference between market reference rate 16.74 and exchange rate charged 16.392.07
Total cost (%)
2.782.78
Total cost (EUR)sort descendingTotal cost (USD)sort descending
3.895.56
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
4.005.71
Exchange rate margin (%)
0.30
Percentage difference between market reference rate 16.29 and exchange rate charged 16.240.30
Total cost (%)
3.163.16
Total cost (EUR)sort descendingTotal cost (USD)sort descending
4.426.31
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
Medium
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
5.007.14
Exchange rate margin (%)
2.07
Percentage difference between market reference rate 16.49 and exchange rate charged 16.152.07
Total cost (%)
5.645.64
Total cost (EUR)sort descendingTotal cost (USD)sort descending
7.9011.29
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
5.007.14
Exchange rate margin (%)
2.74
Percentage difference between market reference rate 16.61 and exchange rate charged 16.152.74
Total cost (%)
6.316.31
Total cost (EUR)sort descendingTotal cost (USD)sort descending
8.8312.61
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
Medium
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
6.008.57
Exchange rate margin (%)
2.13
Percentage difference between market reference rate 16.50 and exchange rate charged 16.152.13
Total cost (%)
6.426.42
Total cost (EUR)sort descendingTotal cost (USD)sort descending
8.9912.84
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
8.1911.70
Exchange rate margin (%)
0.66
Percentage difference between market reference rate 16.57 and exchange rate charged 16.460.66
Total cost (%)
6.516.51
Total cost (EUR)sort descendingTotal cost (USD)sort descending
9.1113.01
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
6.008.57
Exchange rate margin (%)
2.49
Percentage difference between market reference rate 16.56 and exchange rate charged 16.152.49
Total cost (%)
6.786.78
Total cost (EUR)sort descendingTotal cost (USD)sort descending
9.4913.56
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
Medium
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
8.0011.43
Exchange rate margin (%)
2.61
Percentage difference between market reference rate 16.58 and exchange rate charged 16.152.61
Total cost (%)
8.328.32
Total cost (EUR)sort descendingTotal cost (USD)sort descending
11.6516.64
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
8.0011.43
Exchange rate margin (%)
2.78
Percentage difference between market reference rate 16.61 and exchange rate charged 16.152.78
Total cost (%)
8.498.49
Total cost (EUR)sort descendingTotal cost (USD)sort descending
11.8916.99
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
3.004.29
Exchange rate margin (%)
8.40
Percentage difference between market reference rate 16.57 and exchange rate charged 15.188.40
Total cost (%)
10.5410.54
Total cost (EUR)sort descendingTotal cost (USD)sort descending
14.7621.09
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
11.0015.71
Exchange rate margin (%)
8.54
Percentage difference between market reference rate 16.60 and exchange rate charged 15.188.54
Total cost (%)
16.4016.40
Total cost (EUR)sort descendingTotal cost (USD)sort descending
22.9632.80
Total Average Fourth Quarter 2024
6.096.09
Total Average Third Quarter 2024
8.288.28
Total Average
Fee
4.886.97
Exchange Rate Margin (%)
2.612.61
Total Cost Percent (%)
6.096.09
Total Cost (EUR) Total Cost (USD)
8.5312.19
Non-Transparent records
Bank account transfer Credit Card Debit card Cash
Less than one hour
Cash Mobile wallet
Firm
Payment instrument
Access point
Sending network coverage
Transfer speed
Receiving method
Disbursing network coverage
Fee
Exchange rate margin (%)
Total cost (%)
Total cost (EUR)sort descendingTotal cost (USD)sort descending
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
4.005.80
Exchange rate margin (%)
0.27
Percentage difference between market reference rate 16.29 and exchange rate charged 16.240.27
Total cost (%)
1.431.43
Total cost (EUR)sort descendingTotal cost (USD)sort descending
4.937.14
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
4.005.80
Exchange rate margin (%)
0.29
Percentage difference between market reference rate 16.29 and exchange rate charged 16.240.29
Total cost (%)
1.451.45
Total cost (EUR)sort descendingTotal cost (USD)sort descending
5.007.25
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
5.007.25
Exchange rate margin (%)
0.30
Percentage difference between market reference rate 16.29 and exchange rate charged 16.240.30
Total cost (%)
1.751.75
Total cost (EUR)sort descendingTotal cost (USD)sort descending
6.048.75
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
0.991.43
Exchange rate margin (%)
1.89
Percentage difference between market reference rate 16.71 and exchange rate charged 16.391.89
Total cost (%)
2.182.18
Total cost (EUR)sort descendingTotal cost (USD)sort descending
7.5210.90
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
0.991.43
Exchange rate margin (%)
1.92
Percentage difference between market reference rate 16.72 and exchange rate charged 16.391.92
Total cost (%)
2.212.21
Total cost (EUR)sort descendingTotal cost (USD)sort descending
7.6211.04
Firm
WorldRemit
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Internet
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
0.991.43
Exchange rate margin (%)
2.07
Percentage difference between market reference rate 16.74 and exchange rate charged 16.392.07
Total cost (%)
2.362.36
Total cost (EUR)sort descendingTotal cost (USD)sort descending
8.1411.80
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
Medium
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
8.0011.59
Exchange rate margin (%)
2.07
Percentage difference between market reference rate 16.49 and exchange rate charged 16.152.07
Total cost (%)
4.394.39
Total cost (EUR)sort descendingTotal cost (USD)sort descending
15.1521.96
Firm
MoneyGram
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
13.4019.42
Exchange rate margin (%)
0.66
Percentage difference between market reference rate 16.57 and exchange rate charged 16.460.66
Total cost (%)
4.544.54
Total cost (EUR)sort descendingTotal cost (USD)sort descending
15.6622.70
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
Medium
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
9.0013.04
Exchange rate margin (%)
2.13
Percentage difference between market reference rate 16.50 and exchange rate charged 16.152.13
Total cost (%)
4.744.74
Total cost (EUR)sort descendingTotal cost (USD)sort descending
16.3523.70
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
8.0011.59
Exchange rate margin (%)
2.74
Percentage difference between market reference rate 16.61 and exchange rate charged 16.152.74
Total cost (%)
5.065.06
Total cost (EUR)sort descendingTotal cost (USD)sort descending
17.4625.30
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
9.0013.04
Exchange rate margin (%)
2.49
Percentage difference between market reference rate 16.56 and exchange rate charged 16.152.49
Total cost (%)
5.105.10
Total cost (EUR)sort descendingTotal cost (USD)sort descending
17.6025.51
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
Medium
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
10.0014.49
Exchange rate margin (%)
2.61
Percentage difference between market reference rate 16.58 and exchange rate charged 16.152.61
Total cost (%)
5.515.51
Total cost (EUR)sort descendingTotal cost (USD)sort descending
19.0127.55
Firm
Unity Monetary Services BV
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
Medium
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
10.0014.49
Exchange rate margin (%)
2.78
Percentage difference between market reference rate 16.61 and exchange rate charged 16.152.78
Total cost (%)
5.685.68
Total cost (EUR)sort descendingTotal cost (USD)sort descending
19.6028.41
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Call Center
Sending network coverage
High
Transfer speed
Receiving method
Disbursing network coverage
High
Fee
4.005.80
Exchange rate margin (%)
8.40
Percentage difference between market reference rate 16.57 and exchange rate charged 15.188.40
Total cost (%)
9.569.56
Total cost (EUR)sort descendingTotal cost (USD)sort descending
32.9847.80
Firm
Western Union
Firm type: Money Transfer Operator
 
Payment instrument
Access point
Agent
Sending network coverage
High
Transfer speed
Receiving method
Agent
Disbursing network coverage
High
Fee
16.0023.19
Exchange rate margin (%)
8.54
Percentage difference between market reference rate 16.60 and exchange rate charged 15.188.54
Total cost (%)
13.1813.18
Total cost (EUR)sort descendingTotal cost (USD)sort descending
45.4765.90
Total Average Fourth Quarter 2024
4.614.61
Total Average Third Quarter 2024
6.776.77
Total Average
Fee
6.899.99
Exchange Rate Margin (%)
2.612.61
Total Cost Percent (%)
4.614.61
Total Cost (EUR) Total Cost (USD)
15.9023.05
Non-Transparent records
Bank account transfer Credit Card Debit card Cash
Less than one hour
Cash Mobile wallet
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