SikaFX
Authentic lifestyle photograph of diaspora professional in the city
UKGHANA

Send Money from the UK to Ghana. Make every transfer count.

Fast, secure, and FCA regulated. Direct to Mobile Money and bank accounts in seconds.

Indicative1 GBP = 0.00 GHS
Zero Fee
You sendLoyalty points:0.00
UKGBP
Quick:
Transfer fee£0.00 Free
Payout speedInstant
Recipient gets● MoMo & Banks
0.00
Send Money Now

Regulated by the FCA (Ref: 816658) • Bank-Grade 256-bit SSL Security

FCA Regulated
Secure transfers
No fees
Fast delivery
FCA Regulated
MTN & Telecel
Under 60s
£0 Transfer Fee
Why Choose SikaFX

Sending money should feel simple.

We built SikaFX around four essential pillars to give you complete confidence every time you support family back home.

Swipe pillars4 Key Benefits →
01100% Rate Lock

Fair & Transparent

No hidden FX markups eating your hard-earned pounds.

Lock the exact Cedi payout before you tap send. What you see is what lands in Ghana — zero sneaky deductions, zero surprises.

02Under 60s Settlement

Fast Payouts

Direct into MTN MoMo, Telecel Cash & Ghanaian banks.

Instant settlement straight into Mobile Money wallets and major bank accounts across Ghana in under 60 seconds so family never waits.

03Live Status Alerts

Easy Tracking

Real-time audit trail from your pocket to theirs.

Follow your transfer from your phone in the UK straight to their notification in Ghana with live SMS updates and downloadable official receipts.

04FCA Ref: 816658

Bank-Grade Security

Authorised and regulated by the FCA (Ref: 816658).

Protected by 256-bit bank encryption and strict regulatory safeguards ensuring every single penny is safeguarded and accounted for.

How It Works

From your phone to home in three simple steps.

Transferring money to Africa shouldn't require complex paperwork or high bank fees.

Swipe stepsStep 1 to 3 →
01LOCK & INPUT

Lock live rate & recipient

Drop your GBP transfer amount, lock today's guaranteed live exchange rate, and select your recipient in seconds.

02PICK THE RAIL

Choose instant payout rail

Select direct payout to MTN Mobile Money, Telecel Cash, AT Money, or any major Ghanaian bank account.

03LAND & EARN

Instant delivery & rewards

Funds arrive in under 60 seconds with instant SMS confirmation while automatically logging Loyalty Points for fee discounts or community causes.

Have questions about UK debit card or Faster Payments bank funding, ID verification, or transfer limits? Read our Transfer FAQs →

Rewards & Community Giving

Earn rewards and give back with every transfer.

Every completed transfer automatically earns 1 Loyalty Point. Redeem your points for fee-free transfer discounts or donate them directly to verified causes across Ghana (Education, Healthcare, and Community Development).

Explore Community Causes
The SikaFX Mobile App

Everything you need, right in your pocket.

Send money, save recipients, track live transfers, and earn loyalty rewards all in one fast, reliable mobile experience.

TRANSFERS

Sending Money

Transfer money from your UK card directly to Ghanaian Mobile Money (MTN Momo, Telecel Cash, AirtelTigo) or bank accounts in seconds.

Payout Networks

MTN MoMo, Telecel, AirtelTigo & Banks

Protection

FCA Regulated (816658)

Download on the App StoreGet it on Google Play
9:41
5G
SikaFX
SIKAFX
Zero Fee
Recipient Details● Active
NK

Nana Kwame

+233 24 123 4567 • MTN Mobile Money

Send Amount£100.00 GBP
Exchange Rate1 GBP = 0.00 GHSIndicative
Transfer Fee£0.00 Free
Recipient ReceivesGHS 0.00
Confirm & Send
⚡Transfer👥Recipients⭐Rewards⚙️Profile
Pan-African Connection

Because home is
never too far away.

Family & Loved Ones

Provide reliable monthly support, healthcare essentials, and household care across thousands of miles.

Education & Tuition

Pay school fees, college tuition, and supplies on time so dreams never get delayed by transfer friction.

Everyday Living Needs

Send direct financial reassurance for groceries, utility bills, and emergency peace of mind.

Milestone Celebrations

Be present for birthdays, weddings, and festive family occasions even when miles apart.

Connecting diaspora families and loved ones with SikaFX
Our Corridors

Built for Ghana, expanding across Africa.

Direct, zero-fee remittance rails connecting the UK to every major Mobile Money wallet and bank account in Ghana today.

Ghana Flag

United Kingdom ➔ Ghana

GBP / GHS

Flagship Corridor • Zero Transfer Fees • 100% Upfront Guaranteed Rate

Active & Instant

Supported Payout Rails in Ghana

MTN Mobile Money

MoMo Wallet

Instant (<60s)🟢 Live

Telecel Cash

MoMo Wallet

Instant (<60s)🟢 Live

AT Money (AirtelTigo)

MoMo Wallet

Instant (<60s)🟢 Live

All Ghanaian Bank Accounts

Direct Deposit (GCB, Ecobank, Stanbic)

Instant (<60s)🟢 Live
Regional African Expansion

Expanding regional rails across Africa

Next integrations in our development pipeline include Nigeria 🇳🇬 and Kenya 🇰🇪. Want SikaFX to launch in your country next?

Request a Corridor
Help Desk

Need a hand before your transfer?

Quick self-service answers or direct UK phone support when you need it.

01

Rates & Guaranteed Live FX

How we lock upfront exchange rates with £0 hidden markups.

→
02

Mobile Money & Bank Payouts

Instant delivery times for MTN MoMo, Telecel Cash & Ghanaian banks.

→
03

FCA Regulation & Safeguarding

Strict compliance controls (FCA Ref: 816658) protecting your funds.

→
Visit Help Centre & Full FAQ DirectoryUK Phone Support: Mon–Fri 9am–6pm GMT
Ready to Send?

Keep home close.

Send money to Ghana with guaranteed real-time rates and £0.00 transfer fees.

Download SikaFX App
FCA Regulated (Firm Ref: 816658)Instant MoMo & Banks256-Bit Bank-Grade Encryption