Live in CanadaCare, not just cash.
Your mum's electricity is out. You're 8,000 km away. With Klosa, top up her ECG meter from your couch in Calgary in under a minute. That's the whole pitch.
Try it now
See exactly what
they get.
Type any amount. We'll show you the live mid-market rate, zero hidden fees, and exactly what lands in their account — before you even sign up.
Estimated savings vs banks
On this transfer, based on a typical 4.5% bank spread.
CADGHSUnder 2 minutes · To any Ghana bank
USD
GBP
AUDEverything in one app
Simple financial solutions for Ghanaians, wherever they live.
From sending CAD 500 to Accra to paying the DStv bill, topping up airtime, and buying T-Bills — here’s how Klosa helps you handle every Ghanaian financial need without limits.
SIMPLE BY DESIGN
Up and running in minutes
No bank branch visits. No wire transfer forms. No calling anyone.
Download & sign up
Install Klosa on iOS or Android. Sign up in under 3 minutes — just your name, email, and Ghana-linked phone number.
Verify your identity
A quick ID check (government ID + selfie). Done in minutes. Required once, never again.
Add your payment method
Connect a Canadian debit card or bank account. Your funds are protected with 256-bit TLS encryption.
Send, pay, save
Transfer money, pay bills, top up airtime, invest in T-Bills — all from one app. Your family gets notified when it lands.
Download & sign up
Install Klosa on iOS or Android. Sign up in under 3 minutes — just your name, email, and Ghana-linked phone number.
Verify your identity
A quick ID check (government ID + selfie). Done in minutes. Required once, never again.
Add your payment method
Connect a Canadian debit card or bank account. Your funds are protected with 256-bit TLS encryption.
Send, pay, save
Transfer money, pay bills, top up airtime, invest in T-Bills — all from one app. Your family gets notified when it lands.
Bills & Utilities
Every Ghana bill, handled from here.
Nobody should have to wire money to a cousin just to keep the lights on. Pay any Ghanaian utility, subscription, or government fee directly — no middlemen, no extra charges.
Savings & Investment
Your money should work while you sleep
Savings
Open a Ghana savings account through Klosa. Deposit from Canada in CAD. Earn competitive interest. Withdraw to any Ghana bank, any time.
- Competitive interest — updated quarterly
- Minimum: CAD 20 to get started
- Funds held at licensed Ghana banks
- Withdraw to any Ghana bank account
Treasury Bills
Invest in 91-day, 182-day, or 364-day Ghana Government T-Bills directly through Klosa. Sovereign-backed, transparent, and accessible from Canada.
- Backed by the Republic of Ghana
- 91, 182, and 364-day tenors
- Minimum: CAD 50 equivalent
- Current Bank of Ghana rates — shown at purchase
Hungry? Browse menus across Ghana and order in seconds.
Accra, Kumasi, Takoradi, Tema. 500+ restaurants, chop bars, and food vendors. Order delivery for yourself — or send money to a family member so they can order.
500+
Restaurants
5
Cities
~30m
Avg delivery
Order placed in Accra
Jollof + grilled tilapia · 2 min ago
Shopping — Online Store & Gift Cards
Coming SoonShop from Ghanaian stores and send gift cards to anyone in Ghana — directly through Klosa.
Real senders, real stories
The diaspora trusts Klosa
“I pay my mum's ECG and DStv every month from here. Used to involve three cousins and a WhatsApp group. Now it's one tap.”
Abena M.
Calgary, AB → Accra
“The rate on Klosa is consistently better than the alternatives. And zero fees — that's real money saved every month.”
Kofi A.
Toronto, ON → Kumasi
“I sent school fees to my niece's university without calling anyone in Ghana. Transfer confirmed in under 2 minutes. Unbelievable.”
Ama S.
Vancouver, BC → Takoradi
“I pay my mum's ECG and DStv every month from here. Used to involve three cousins and a WhatsApp group. Now it's one tap.”
Abena M.
Calgary, AB → Accra
“The rate on Klosa is consistently better than the alternatives. And zero fees — that's real money saved every month.”
Kofi A.
Toronto, ON → Kumasi
“I sent school fees to my niece's university without calling anyone in Ghana. Transfer confirmed in under 2 minutes. Unbelievable.”
Ama S.
Vancouver, BC → Takoradi
“T-Bills through Klosa — I didn't think it was possible from Canada. Now I have Ghana investments running from my phone.”
Kwame O.
Ottawa, ON → Tema
“MenuFinder is the feature I didn't know I needed. I ordered from my favourite Accra chop bar for my parents' anniversary dinner.”
Efua B.
Montreal, QC → Accra
“The Split Send feature is brilliant. I send to my mum, dad, and brother in one transaction. Three recipients, one confirmation.”
Nana T.
Edmonton, AB → Cape Coast
“T-Bills through Klosa — I didn't think it was possible from Canada. Now I have Ghana investments running from my phone.”
Kwame O.
Ottawa, ON → Tema
“MenuFinder is the feature I didn't know I needed. I ordered from my favourite Accra chop bar for my parents' anniversary dinner.”
Efua B.
Montreal, QC → Accra
“The Split Send feature is brilliant. I send to my mum, dad, and brother in one transaction. Three recipients, one confirmation.”
Nana T.
Edmonton, AB → Cape Coast
As featured in
Frequently asked
Questions we get a lot
Most transfers arrive in your recipient's Ghana bank account in under 2 minutes during Ghana banking hours (Monday–Friday, 8am–5pm GMT). Transfers initiated outside those hours may take up to 2 hours to settle.
Available in Canada now
Ready to send home smarter?
Join thousands of Canadians sending money, paying bills, and investing in Ghana — all from one app with zero fees.