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.
Split Send
Chip in together. One transfer, many supporters.
Split Send
Support family together. Invite siblings, cousins, or friends to contribute towards one transfer, bill payment, or grocery order.
- Multiple contributors
- Automatic split calculation
- One beneficiary
- Real-time contribution tracking
How it works
Jenelle’s split, in real time
Jenelle creates a $1,000 transfer for Auntie Nana Ama and invites her brothers to contribute. Once everyone pays their share, Klosa sends the full amount instantly to the beneficiary.
Total raised
$1,000.00
100% funded · ready to send
Jenelle
Organizer · You
Oduro
Brother
Nathan
Brother
Sent instantly
Auntie Nana Ama · GHS 11,420
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.
Shop & Deliver Essentials
Stock the pantry from Calgary. Delivered to their door in Ghana.
Shop & Deliver
Order groceries, meals, pharmacy items, and everyday essentials from trusted local shops in Ghana. Klosa handles the payment and delivery, so your loved ones receive what they need directly at their doorstep.
- Groceries & household essentials
- Meals, pharmacy & personal care
- Fast local delivery
- Pay from Canada, delivered in Ghana
Total
GHS 320.50
Groceries
Rice, tomatoes, oil
Pharmacy
Meds & care
Meals
Jollof, banku…
Out for delivery
ETA 25 min · East Legon
Order your loved one's favourite meals from anywhere in the world.
Browse restaurants and local food vendors across Ghana, place an order, and have meals delivered directly to family and friends back home.
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
“Split Send changed how my family handles my parents' rent. Five of us chip in, everyone pays their share, and Klosa sends it through the moment we're all in. No chasing, no awkward reminders.”
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
“Split Send changed how my family handles my parents' rent. Five of us chip in, everyone pays their share, and Klosa sends it through the moment we're all in. No chasing, no awkward reminders.”
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.