🇩🇪 Germany → 🇬🇭 Ghana

Remote

Available

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Global HR platform for hiring and paying international teams

Fee

0%

$0 fee to contractor. Same-currency EUR withdrawal via SEPA. Employer pays $29/mo.

Transfer time

Typically 1–3 business days via SEPA

Payoneer

Available

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Global payment platform for freelancers and businesses

Fee

0–1%

EUR withdrawal via SEPA — $1.50 flat fee. 1% marketplace receiving fee. No FX conversion needed.

Transfer time

Typically 1–2 business days via SEPA

Deel

Available

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Global payroll and compliance platform for remote teams

Fee

0%

$0 platform fee (employer pays). EUR same-currency withdrawal via SEPA — no FX conversion if paid in EUR. SEPA transfer free.

Transfer time

Typically 1–2 business days via SEPA

Grey

Available

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Banking for Africans — USD, GBP, EUR accounts

Fee

0.8–1.3%

0.8% SEPA receiving fee + EUR withdrawal 0.5% (min €2, max €10). No FX conversion needed for EUR earners.

Transfer time

Typically 1–2 business days via SEPA

Wise

Available

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Multi-currency account with low-cost international transfers

Fee

0.99–6.82%

0.99% via bank transfer (USD→EUR). Instant or ~22 min. SEPA. Full account.

Transfer time

Instant or in 22 minutes

Stripe

Available

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Online payment processing for internet businesses

Fee

2.9–3.4%

1.5% + €0.25 for EU cards; 2.5% + €0.25 for non-EU. SEPA Direct Debit: 0.8% capped at €6. Connect payout to EUR account: 0.25% + €0.10. SEPA Credit Transfer payout.

Transfer time

T+2 SEPA Credit Transfer to German bank

GeegPay

Limited

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Virtual dollar accounts for African freelancers

Fee

0–1%

0.8% EUR withdrawal fee from virtual EUR account via SEPA. Receive-back channel — primarily for freelancers paid in EUR.

Transfer time

Typically 1–3 business days via SEPA

Raenest virtual EUR account is for receiving client payments, not primary European banking. 0.8% withdrawal fee applies.