GHS to NGN exchange rate
The Ghanaian cedi to Nigerian naira rates 5 named providers actually quote for GHS→NGN, grouped by provider type and benchmarked within it. Timestamped, append-only, and available over a free JSON API.
The first four cards follow the provider type chosen below; the mid does not depend on it. Latest fintech check 15 Oct 2026, 06:20 UTC.
No IMTO quotes on GHS→NGN — showing fintechs & PSPs. Fintechs & PSPs are payment apps and platforms that convert money inside their own accounts, ranked against each other only.
| Provider | Rate 1 GHS → NGN | Spread vs best fintech | vs Mid | Fee | Checked |
|---|---|---|---|---|---|
| 125.24 | 0.0 bps | +989.6 bps | — | 14 Oct 2026, 17:36 UTC | |
| 119.76 | −437.6 bps | +508.8 bps | — | 14 Oct 2026, 17:36 UTC | |
| 116.73 | −679.3 bps | +243.2 bps | — | 15 Oct 2026, 06:20 UTC | |
| 108.16 | −1,363.8 bps | -509.1 bps | — | 14 Oct 2026, 17:36 UTC |
1 more quote on Pro and Max: a bank, Zenith Bank (Ghana), last checked 14 Oct 2026, 17:53 UTC.See plans
Rates are timestamped, append-only observations of what each named provider quotes — not interpolated mids. Spread is basis points below the best fintech & PSP quote on this corridor (0 = best), never measured against another type. vs Mid compares each quote to the independent open.er-api.com reference. A quote not checked in the last 24 hours sits below a divider with its check date: never ranked or marked Best, and left out of the median and the counts. After 7 days unchecked it drops off the page.
About the GHS→NGN corridor
As of 15 Oct 2026, 06:20 UTC, 4 providers quote GHS→NGN: four fintechs & PSPs — Afriex, Bank9ja, Wise and Eversend. None is an IMTO, so the page opens on fintechs & PSPs: the best is Afriex at 125.24 NGN per GHS and the median is 118.25.
One more quote comes from a bank, Zenith Bank (Ghana), on Pro and Max plans.
The independent mid-market reference (open.er-api.com) was 113.96 NGN per GHS at 15 Oct 2026, 06:05 UTC. The best fintech & PSP quote sits +989.6 bps from it.
Get this corridor by API
curl "https://modan.io/api/v1/rates?from=GHS&to=NGN&provider_type=fintech_psp" \ -H "X-API-Key: YOUR_KEY"
provider_type asks for one kind of provider; leave it off for every type your key reads, each ranked within its own. Free key on signup, 25 requests a day, for IMTO and fintech & PSP quotes (every provider type on Pro and Max). The same data is served to AI agents by the MCP server at modan.io/api/mcp. See the API documentation.
Frequently asked questions
- What is the GHS to NGN exchange rate today?
- As of 15 Oct 2026, 06:20 UTC, the best fintech & PSP rate Modan observed on GHS→NGN is 125.24 NGN per GHS, quoted by Afriex. 4 providers quote this corridor: four fintechs & PSPs. A bank also quote it, on Pro and Max plans. Every quote on the page carries the time Modan last checked it.
- Which fintech & PSP has the best GHS to NGN rate?
- Afriex, at 125.24 NGN per GHS as of 15 Oct 2026, 06:20 UTC. "Best" is ranked among fintechs & PSPs still current (checked within the last 24 hours, with weekends not counted for banks, which publish on weekdays only); every other provider type is ranked among its own kind, never against fintechs & PSPs. Official and parallel reference prints are shown but never ranked.
- Do any IMTOs quote GHS to NGN?
- Not among the 10 IMTOs Modan tracks, as of 15 Oct 2026, 06:20 UTC, which is why this page opens on fintechs & PSPs. The reverse direction, NGN→GHS, has 1 IMTO quote, from SendApp.
- How is the spread on GHS→NGN calculated?
- Spread is the distance in basis points between a provider's rate and the best current rate of the same provider type — and the same kind of price — on the corridor at that moment (0 bps = the best of its kind), so an IMTO is only ever measured against IMTOs. A quote with nothing of its kind to rank it against, or one that is no longer current, shows no spread. vs Mid is a separate measure: the distance from an independent mid-market reference (open.er-api.com) that is refreshed hourly.
- How do I get GHS to NGN rates by API?
- Call GET https://modan.io/api/v1/rates?from=GHS&to=NGN with an X-API-Key header, and add provider_type=imto (or fintech_psp, commercial_bank …) to ask for one kind of provider. A free key allows 25 requests a day and reads IMTO and fintech & PSP quotes; the other types need a Pro or Max key. The same data is available to AI agents through the MCP server at https://modan.io/api/mcp.