Ghana
Money in Ghana: currency, ATMs, cards and tipping
Use Ghanaian cedi (GH₵) for most purchases; carry small notes, use cards only in larger hotels, malls and some restaurants, and tip 5‑10 % of the bill. ATMs inside banks are the safest place to withdraw cash.
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Key facts
- Currency
- Ghanaian cedi (GH₵)
- ATMs
- Bank and mall ATMs, cash out limited amounts
- Card acceptance
- Major hotels, malls, some restaurants in Accra
- Typical tip
- 5‑10 % of bill; round up small amounts
Currency and payment basics
Ghana uses the Ghanaian cedi (GH₵). ATMs are found inside banks and shopping malls; they dispense limited notes, so keep small denominations for change.
Credit and debit cards work in larger hotels, major supermarkets, and some restaurants in Accra, but most shops, markets and tro‑tro buses accept cash only.
Mobile money services are common among locals, but visitors should rely on cash for most transactions.
| Payment method | Where accepted | Notes |
|---|---|---|
| Cash (GH₵) | Everywhere | Carry small notes; change may be short |
| Card (Visa/Mastercard) | Hotels, malls, some restaurants in Accra | Limited acceptance outside capital |
| Mobile money | Local residents | Visitors usually pay cash |
Tipping guide
Tipping is not mandatory but appreciated. In restaurants, round up the bill or leave 5‑10 % for good service. For hotel staff, a small tip of GH₵5–10 per bag or per night is common.
Guided tours often include a tip; if not, consider GH₵10–20 per guide for a half‑day tour.
- Restaurants: 5‑10 % of the total bill
- Hotel porters: GH₵5–10 per bag
- Tour guides: GH₵10–20 per half‑day
Questions people ask
What currency is used in Ghana?
Ghana uses the Ghanaian cedi (GH₵).
Should I use cash or a card in Ghana?
Cash is needed for most purchases; cards work in larger hotels, malls and some restaurants in Accra.
How much should I tip in Ghana?
Tip about 5‑10 % in restaurants, GH₵5–10 for hotel porters, and GH₵10–20 for tour guides.
Where can I exchange foreign currency?
Use banks or licensed forex bureaus. Avoid street changers; rates are poor and scams are common.
Are ATMs widely available?
ATMs are common in Accra and other cities, inside banks and malls. Outside urban areas, cash out may be limited.
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Deep dive
Every source; changeable facts are marked check
Sources
- officialGhana Tourism Authority
Ask about Ghana
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