Send Money
Send CAD 500 to Accra in under 2 minutes.
Skip the bank wire, the Western Union queue, and the three-day wait. Send Canadian dollars to any Ghana bank account at the live mid-market rate - zero transfer fees, settled in under two minutes.
<2 min
Average settlement
0 CAD
Transfer fee
10,000+
Active senders
Avg. delivery
1m 42s
1 CAD
11.42 GHS
Why Klosa
Built around the way the diaspora actually moves money
Lands in seconds, not days
Most CAD → GHS transfers settle in under two minutes during Ghana banking hours. Send at 11pm in Calgary, and your mum sees it before her morning tea.
Live mid-market rate
Banks bury 2-5% margin in their FX. Klosa shows the real mid-market rate from the first screen - the same one Reuters and Bloomberg quote - and passes it on, untouched.
Every major Ghana bank
GCB, Ecobank, Fidelity, Access, Stanbic, Absa, CalBank, Standard Chartered, and a dozen more. Direct settlement, no third-party correspondent banks slowing things down.
Built for trust
256-bit TLS, biometric login, segregated customer funds, and a regulated entity behind every transaction. Your money is protected end-to-end.
How it works
From first tap to done in three steps
No long forms, no in-person verification trips, no waiting on a relationship manager. Send Moneyworks the way you'd expect a modern app to.
Enter amount
Type in how much you want to send. See the exact rate and what your recipient gets - before you commit.
Add recipient
Select a saved contact or enter a Ghana bank account number. First time? It takes 30 seconds.
Confirm & send
Review and confirm. Money moves. You get a delivery notification when it lands.
What makes it different
The details others quietly skip
Most money transfersapps look the same on the home screen. The difference shows up at the corners - the FX rate you didn't see, the fee that appears at confirmation, the support ticket that takes three days. Here's where Klosa is built differently.
Mid-market rate, every transfer
Banks and the legacy giants hide 2-5% margin inside the exchange rate, then call the transfer “free.” Klosa shows the real rate up front - what you see on screen is what your recipient receives, to the cedi.
Zero fees, no fine print
Not a promotional rate. Not a first-transfer-only trick. Klosa charges 0 CAD on every CAD → GHS transfer, at every amount, every time.
Designed for diaspora hours
Send when it's late in Calgary or 5am in Toronto. Klosa pre-clears the funds and triggers settlement the moment Ghana banking opens. Your recipient gets the SMS - you don't have to time anything.
Real humans on support
If a transfer ever stalls, Klosa support is reachable on WhatsApp, in-app chat, and email - average response under two minutes. No call-centre script, no 24-hour ticket queue.
The fine print
Limits, speeds, and what to expect
BY THE NUMBERS
Send Money in numbers worth remembering.
<2 min
Average settlement
during Ghana banking hours
0 CAD
Transfer fee
every amount, every time
10,000+
Active senders
across Canada and growing
QUESTIONS, ANSWERED
Common questions about Send Money
How long does a transfer take?
Most transfers arrive within 2 minutes. Transfers initiated outside Ghana banking hours may take up to 2 hours to settle.
Are there any fees?
No. Klosa charges zero fees on money transfers from Canada to Ghana. You see the exact rate upfront.
Which Ghana banks are supported?
All major banks including GCB, Ecobank, Fidelity, Access, Stanbic, Absa, CalBank, Standard Chartered, and more.
Available in Canada now
Send home smarter. Right from your pocket.
Money, bills, investments - all in one app, zero fees.
