Ghana

Send GHS directly to bank accounts in Ghana. This guide walks you through the steps required to initiate and verify a transfer.

Prerequisites

Complete KYC and ensure your account is approved for transactions.
Whitelist your server IP addresses. See this guide for more information.
Enable Transfers via API. See this guide for more information.
Ensure your balance has sufficient funds. If needed, you can debit an alternate balance. See supported currencies for GHS transfers.

Payout Flow

Follow these steps to send money to a bank account in Ghana.

Collect the beneficiary details
Gather the beneficiary's name, bank, branch, and account number.

See the table below for the required and optional parameters.

Parameter	Description	Format	Example	Isrequired
`account_bank`	The beneficiary's bank code. Use the Get Banks endpoint to retrieve the bank code.	String	"GH130100"	Yes
`account_number`	The beneficiary's account number.	String	"1441001954710"	Yes
`beneficiary_name`	The beneficiary's full name.	String	"Godwin Duah"	Yes
`amount`	The amount to send.	Integer	350	Yes
`currency`	The transfer currency. Must be `GHS`.	String	"GHS"	Yes
`destination_branch_code`	The beneficiary bank's branch code. Use the Get Branches endpoint to retrieve the branch code.	String	"GH130998"	Yes
`debit_currency`	The wallet currency to debit for the transfer.	String	"XAF"	No
`narration`	A description for the transfer.	String	"Ghana Withdrawal"	No
`reference`	Unique reference to identify the transfer.	String	"Your-Unique-Reference"	No

Initiate the transfer
Send a POST request to the transfer endpoint with the beneficiary and transfer details.

curl --request POST \
  --url https://api.flutterwave.com/v3/transfers \
  --header 'Authorization: Bearer {{YOUR_SECRET_KEY}}' \
  --header 'Content-Type: application/json' \
  --data '{
          "amount": 1000,
          "account_bank": "GH130100",
          "account_number": "1441001954710",
          "destination_branch_code": "GH130998",  
          "currency": "GHS",
          "beneficiary_name": "Godwin Duah",
          "debit_currency": "XAF",
          "narration": "Ghana Withdrawal",      
          "reference": "STkKF_k5kdkY3_PMCKDU_1"			
  }'

{
    "status": "success",
    "message": "Transfer Queued Successfully",
    "data": {
        "id": 2241863,
        "account_number": "1441001954710",
        "bank_code": "GH130100",
        "full_name": "Godwin Duah",
        "created_at": "2026-09-18T13:56:59.000Z",
        "currency": "GHS",
        "debit_currency": "XAF",
        "amount": 1000,
        "fee": 10,
        "status": "NEW",
        "reference": "STkKF_k5kdkY3_PMCKDU_1",
        "meta": [
            {
                "MerchantName": "Dotuns Fashion Limited"
            }
        ],
        "narration": "Ghana Withdrawal",
        "complete_message": "",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "Ecobank Ghana (GH130100)"
    }
}

Verify the transfer status
There are two ways to verify the transfer status:

Call the transfer status endpoint using the transfer ID (data.id) returned in the transfer response.

curl --request GET \
  --location 'https://api.flutterwave.com/v3/transfers/2241863' \
  --header 'Authorization: Bearer {{YOUR_SECRET_KEY}}'

{
    "status": "success",
    "message": "Transfer fetched",
    "data": {
        "id": 2241863,
        "account_number": "1441001954710",
        "bank_code": "GH130100",
        "full_name": "Godwin Duah",
        "created_at": "2026-09-18T13:56:59.000Z",
        "currency": "GHS",
        "debit_currency": "XAF",
        "amount": 1000,
        "fee": 10,
        "status": "SUCCESSFUL",
        "reference": "STkKF_k5kdkY3_PMCKDU_1",
        "meta": [
            {}
        ],
        "narration": "Ghana Withdrawal",
        "approver": null,
        "complete_message": "Successful",
        "requires_approval": 0,
        "is_approved": 1,
        "bank_name": "Ecobank Ghana (GH130100)"
    }
}

Listen for webhooks. Configure your webhook URL on the Flutterwave Dashboard to receive real-time transfer updates. See the webhooks guide for more information.

{
  "event": "transfer.completed",
  "event.type": "Transfer",
  "data": {
    "id": 2241863,
    "account_number": "1441001954710",
    "bank_name": "FA-BANK",
    "bank_code": "GH130100",
    "fullname": "Godwin Duah",
    "created_at": "2026-09-18T13:46:18.000Z",
    "currency": "GHS",
    "debit_currency": "XAF",
    "amount": 1000,
    "fee": 10,
    "status": "SUCCESSFUL",
    "reference": "STkKF_k5kdkY3_PMCKDU_1",
    "meta": [
      {
        "MerchantName": "Dotuns Fashion Limited"
      }
    ],
    "narration": "From Dotuns Fashion Limited",
    "approver": null,
    "complete_message": "Successful",
    "requires_approval": 0,
    "is_approved": 1
  }
}

Testing Transfers

Check the testing guide for mocking transfers in the test environment.