Convert Dollars to Cedis (USD to GHS) instantly with our live exchange rate calculator. Updated for 2026.
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| Latest USD to GHS exchange rates for February 2026. Use our live calculator to convert US Dollars to Ghana Cedis instantly. |
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USD to GHS: Live Dollar to Cedis Currency Converter
Current Trends: Why the Cedi is Fluctuating in 2026
As of February 2026, the Ghanaian Cedi has shown remarkable resilience compared to previous years. Following a strong 2025 where the Cedi appreciated significantly—averaging around GH₵11.00 to $1USD—the market has entered a "new equilibrium."
The current fluctuations are primarily driven by:
- Gold Export Receipts: Higher global gold prices (surpassing $5,500 per ounce) have bolstered Ghana's foreign reserves.
- Single-Digit Inflation: With inflation cooling to around 5.4% - 6.3%, the domestic pressure on the Cedi has eased.
- Debt Restructuring Success: The completion of major debt restructuring has restored investor confidence, leading to a surge in the Ghana Stock Exchange (GSE).
Historical Context: USD to GHS Rates (Last 6 Months)
Looking back at the tail end of 2025 and the start of 2026, the rate has remained relatively stable within a narrow band. While the Cedi saw a massive 40% gain in early 2025, the last six months have seen a modest, healthy depreciation of approximately 1-2%, which analysts describe as a "fair value" correction.
| Period | Average Rate (USD to GHS) | Trend |
| August 2025 | GH₵10.81 | Strong Appreciation |
| October 2025 | GH₵11.05 | Stability |
| December 2025 | GH₵10.48 | Seasonal Peak |
| February 2026 | GH₵10.99 | Balanced Market |
Best Practices: Where to Safely Exchange Money
To get the best value for your Dollar, avoid exchanging large sums at airports or hotels, where commissions can be as high as 10%.
- In Accra: Licensed Forex Bureaus in Airport City, Osu (Oxford Street), and Madina offer competitive market rates. Establishments like 1st Choice Forex or A&B Forex are reliable options regulated by the Bank of Ghana.
- In Kumasi: Head to Adum or the Harper Road area. Major banks like GCB Bank and Stanbic Bank offer secure "Xpress" remittance services if you prefer a banking environment over a bureau.
- Digital Alternatives: For the best "mid-market" rates, consider using apps like Wise or Ecurrency4u for direct bank transfers.
How much is $100 in Cedis today?Based on the current 2026 mid-market rate of approximately GH₵10.99, $100 is equal to GH₵1,099.00. Note that retail bureaus may offer slightly different rates.
Is the Cedi expected to fall further in 2026?
Financial experts at Fitch Solutions project a modest 8% weakening by the end of 2026. However, strong gold reserves and Bank of Ghana interventions are expected to prevent any drastic "crashing" of the currency.
Where can I find the official Bank of Ghana rates?
The official daily interbank rates are published on the Bank of Ghana (BoG) website. Our calculator uses a live API that closely mirrors these official rates in real-time.
Current USD to GHS Conversion Reference
| Amount | US Dollar (USD) | Ghana Cedi (GHS) |
| $1 | 1 USD | GH₵ 10.99 |
| $10 | 10 USD | GH₵ 109.90 |
| $50 | 50 USD | GH₵ 549.50 |
| $100 | 100 USD | GH₵ 1,099.00 |
Last Updated: February 11, 2026
Disclaimer: This currency converter is provided for informational purposes only. While we strive to provide the most accurate and up-to-date exchange rates (currently approximately GH₵10.99 to $1), rates can fluctuate minute-by-minute. We do not guarantee the accuracy of these rates for actual financial transactions. This tool does not constitute financial advice, and we are not a licensed foreign exchange bureau. Always verify current rates with your bank or a licensed dealer before making a transaction.
