Moving to Ghana Checklist (USA, UK, Canada)

You have just landed at Kotoka International Airport. Humidity hits you like a warm blanket. The air smells of jet fuel and something green. You grab your suitcase, walk past the duty‑free shops, and see the sign: “Akwaaba – Welcome Home.” That is the feeling. But getting here without a plan? That is stress you do not need.

This guide is for the diaspora – especially Black Americans, UK citizens of Ghanaian heritage, and Canadians who are serious about relocating to Ghana. Not a vacation. Not a “maybe.” A real move. Below is a step‑by‑step moving to Ghana checklist that covers visas, costs, housing, property ownership, electrical standards, driver’s licence conversion, taxes (including Canada), water safety, vehicle import, climate, and the path to citizenship. Follow it, and you will arrive ready.

Before You Move (6–12 Months Out)

Start early. The most successful relocations begin with groundwork half a year in advance.

• Visit first – Spend 2–4 weeks in Ghana to test neighborhoods, weather, and lifestyle.
• Save aggressively – Aim for at least $10,000–15,000 USD (approximately GHS 110,000–165,000 at current exchange rates).
• Research your visa category – Work, business, retirement, or family reunion each require different permits.
• Start document apostille process – Birth certificates, marriage certificates, police clearance can take months.
• Join diaspora groups – Facebook and WhatsApp groups (e.g., “Black Americans in Ghana”) give real‑time advice.

Step 1: Decide Why You’re Moving

Before you pack a single box, get clear on your main reason. Are you moving for citizenship, remote work, starting a business, retirement, or a cultural return? Each path changes your visa and timeline.

For citizenship seekers, you will eventually need residency. For remote workers, the Ghana visa process has options like the long‑term visitor visa. Business owners should look at the Ghana business opportunities guide. Knowing your “why” saves you from wrong applications later.

Step 2: Choose the Right Visa or Entry Path

Important clarification: Ghana does not offer a casual “visa on arrival” at the airport for tourists or new residents. The Visa on Arrival (VoA) option requires pre‑approval from Ghana Immigration Service before you travel. It is mainly for emergency travel, business visitors with a local sponsor, or nationals of countries without a Ghanaian embassy. You cannot simply show up and request a visa at the airport.

The standard route for US, UK, and Canadian citizens is to apply for a visa at a Ghanaian embassy or consulate before departure. Visitor visas (single or multiple entry) cost approximately $60 USD (GHS 660, GBP 48, RMB 430) for standard processing, or $200 USD for express premium service. These allow stays of 30–90 days, after which you can apply for an extension or residence permit. Note: fees are subject to change; always confirm with the nearest Ghanaian embassy.

For long‑term moves, you need a residence permit through the Ghana Immigration Service. Categories include work permits, investment visas, dependent permits, and retirement permits. Fees vary by nationality and permit type – they are not a flat rate. Expect to pay between GHS 2,500 and GHS 10,000 (USD 230–910) depending on duration and category. Always confirm current fees with GIS directly.

Dependent permit work rights: Typically, a dependent permit does not allow you to work. You must apply separately for a work permit or change your immigration status. Plan finances accordingly – the household may rely on one income until the second person obtains a work permit. However, policies can change; confirm with GIS.

See also: Ghana work permit requirements and Ghana consulates & embassies.

Retirement Permit – Guidelines (Not Fixed Threshold)

The Ghana retirement permit is for individuals over 50 who wish to live in Ghana without working. Ghana Immigration Service does not publish an official fixed minimum income. However, practitioners and agents generally expect proof of sustainable income – an unofficial guideline is around $2,000 USD per month (or equivalent in pension, investments, or savings). Requirements are assessed case‑by‑case. Other common requirements:

• Police clearance certificate from home country.
• Medical certificate showing no infectious diseases.
• Valid passport with at least 18 months remaining.
• Application fee (approximately $500–1,000 USD plus processing).

The permit is usually granted for one year and can be renewed annually. It does not permit employment. Renewal requires proof that you have not worked illegally and still meet financial expectations. Because requirements are discretionary, consult a Ghanaian immigration lawyer before applying.

Step 3: Documents You NEED Before Moving

Missing a document means delays. Here’s your checklist:

• Passport (valid at least 6 months beyond your arrival date)
• Yellow fever vaccination card (mandatory for entry)
• Police clearance certificate from your home country (apostilled) – required for residence permit
• Bank statements (last 3–6 months to show financial stability)
• Birth certificate (apostilled)
• Marriage/divorce certificates (apostilled, if applicable)
• Employment contract or business registration (if working)
• Educational/professional certificates (if applying for work permit)

For a deeper dive, see the full documents guide. Make two physical copies plus digital scans.

Step 4: Health Requirements & Vaccines

Yellow fever is non‑negotiable. You must get the vaccine at least 10 days before travel and carry the “yellow card.” Other recommended vaccines: hepatitis A & B, typhoid, meningitis, and rabies depending on your lifestyle.

Malaria is present year‑round. Bring prophylactics (malarone or doxycycline) from home, or buy them in Ghana for about GHS 150 (USD 14, GBP 10, RMB 95) for a course. Also pack insect repellent and a mosquito net. Read the Ghana vaccine requirements and malaria prevention guide for full details.

Healthcare system note: Ghana has public and private hospitals. Private facilities (e.g., Nyaho, Lister, University of Ghana Medical Centre) offer higher standards but cost more. Get international health insurance that covers medical evacuation. See medical care in Ghana guide and insurance for expats.

National Health Insurance Scheme (NHIS): Residents (including foreign residents with a valid permit) can enrol in Ghana’s NHIS for affordable primary and outpatient care. Annual premiums vary by district and status – informal workers may pay GHS 15–30, but foreigners and higher‑income categories often pay more. Enrol at any NHIS district office with your passport, residence permit, and Ghana Card (once available). NHIS covers most outpatient visits, malaria treatment, and basic drugs, but excludes major surgeries, overseas treatment, and some chronic conditions – private insurance is still recommended for serious events.

Step 5: Cost of Moving to Ghana (Budget Realistically)

One‑time moving costs add up fast. Here’s a realistic table (approximate, based on early April 2026 exchange rates: 1 USD = 11.0 GHS, 1 GBP = 14.6 GHS, 1 RMB = 1.6 GHS). Exchange rates fluctuate; verify with Bank of Ghana.

Monthly living costs in Accra range from GHS 5,000 to 12,000 (USD 455–1,090) depending on lifestyle. Compare cost of living in Ghana vs USA and see what US salary you need to live comfortably.

Cash import declaration: You must declare any amount exceeding $10,000 USD (or equivalent in other currencies) upon arrival at Kotoka Airport. Failure to declare can lead to seizure or fines. Use a bank transfer for large sums instead of carrying cash. (Thresholds are subject to change; verify with Ghana Customs.)

Step 6: Where to Live in Ghana

Accra is the most popular for expats – especially neighborhoods like Airport Residential, Cantonments, East Legon, and Osu. Rent is higher but amenities are better. Kumasi is more traditional, cooler, and cheaper. Cape Coast offers a slower pace near the coast.

Internet quality varies. In Accra, fiber is common. Outside major cities, you may rely on mobile data. For rental comparisons, see the complete housing guide and best websites for housing.

Step 7: Housing Setup – Short-term to Long-term

Never rent a place sight unseen. Scams exist. Book an Airbnb for the first 2–4 weeks. Use that time to visit long‑term rentals in person. Expect to pay 6–12 months of rent upfront for unfurnished places, or 3–6 months for furnished. A typical two‑bedroom in a good Accra area costs GHS 4,000–10,000 per month (USD 365–910).

Always verify the landlord and the property title. The Airbnb guide helps with short stays, and renting as a foreigner covers legal tips.

Foreign Property Ownership in Ghana (Critical)

Foreigners cannot own land freehold in Ghana. The Constitution and Land Act 2020 (Act 1036) limit non‑Ghanaians to a maximum 50‑year leasehold interest in land. This applies to individuals, companies, and diaspora citizens who have not yet obtained Ghanaian citizenship. The 50‑year term starts from the date of registration. After expiration, the lease can be renewed, but renewal is not guaranteed.

What you can do as a foreigner:

• Take a 50‑year lease on residential or commercial property.
• Own a condominium unit (the land beneath it remains leased).
• Own property through a Ghanaian‑registered company (still subject to leasehold).

Always hire a lawyer to conduct a title search at the Lands Commission before signing any agreement. Avoid “customary grants” from chiefs or families – these are not legally enforceable for foreigners. See the full guide: property ownership laws for foreigners and can foreigners own land?

Step 8: Money, Banking, and Transfers

Ghana runs on mobile money – MTN MoMo, Vodafone Cash, and AirtelTigo. You will use it for everything from groceries to paying rent. But you will also need a bank account. Non‑residents can open accounts with some banks (GCB, Stanbic, Access) after arrival. Bring your passport, visa, and a local address.

Critical: Ghana Card (National ID) – You will eventually need the Ghana Card for most long‑term services: opening a bank account, registering a SIM card, buying property, and government transactions. Short‑term (first few weeks) you can manage without it, but start the registration process at a National Identification Authority (NIA) office soon after arrival. See how to get the Ghana Card.

To send money from the US or UK, use Wise, Remitly, or WorldRemit. Avoid unofficial channels. The best way to send money to Ghana compares fees, and mobile money explained shows how to use it safely. Also see opening a bank account from abroad.

Mobile phone compatibility (US readers): Ghana uses GSM networks (MTN, Vodafone, AirtelTigo). If your US phone is from Verizon, older Sprint, or any CDMA‑only carrier, it may not work with a Ghanaian SIM even if unlocked. Most modern iPhones and Androids sold after 2018 support both CDMA and GSM. Before leaving, check your phone model’s network bands. If in doubt, buy an inexpensive unlocked GSM phone in Ghana (GHS 500–1,500) as a backup.

Step 9: Jobs, Business & Taxes

Remote work is the easiest path – keep your US/UK/Canada job and live in Ghana. The time zone difference (GMT) works well for Europe and flexible US hours. If you want local employment, focus on tech, education, NGOs, or the growing creative sector.

Starting a business is popular among diaspora. Foreigners can register a company with the Registrar General’s Department. Under the Ghana Investment Promotion Centre (GIPC) Act 865, current minimum capital requirements are:

• Wholly foreign-owned (non-trading): $500,000 USD
• Wholly foreign-owned trading company: $1,000,000 USD
• Joint venture with a Ghanaian partner (≥10% equity): $200,000 USD

Reality check: These thresholds block most small entrepreneurs. Unless you have significant capital, a joint venture with a trusted Ghanaian partner (or a different visa category, such as a work permit for a local job) may be more realistic. A GIPC Bill 2025 is before Parliament proposing to remove mandatory minimum capital requirements entirely, but as of April 2026, Act 865 remains in force. See how to find jobs in Ghana and business registration guide.

Taxes – Critical for US and UK citizens:

• US citizens: Taxed on worldwide income. File US taxes every year. The Foreign Earned Income Exclusion (FEIE) and Foreign Tax Credit can reduce or eliminate US tax liability. Important: There is no comprehensive US-Ghana income tax treaty. A limited 2001 agreement covers only shipping and aircraft income – it does not help most individuals. Read: Taxes for Americans living in Ghana.
• UK citizens: Ghana and the UK have a double taxation agreement. You may be liable for Ghana tax on income earned locally, with relief for UK tax paid. Consult a cross‑border accountant.

SSNIT contributions for local employees: If you take a formal job in Ghana, both you and your employer must contribute to the Social Security and National Insurance Trust (SSNIT). The total contribution rate is 18.5% of salary, broken down as: employee 5.5%, employer 13.0% (Tier 1 – SSNIT mandatory scheme). In addition, the employer must contribute a further 5% of basic salary to a mandatory Tier 2 occupational pension scheme managed by private providers. So the full employer burden is 13% (SSNIT) + 5% (Tier 2) = 18% of salary on top of gross pay. SSNIT provides pension, invalidity, and survivor benefits. This is separate from any home‑country social security.

Social Security / National Insurance while abroad:

• US citizens: You can still collect Social Security retirement benefits while living in Ghana. Payments are sent via direct deposit to a US bank or an international wire. Your US work history remains intact; moving to Ghana does not stop your eligibility. There is no US-Ghana totalization agreement. Self‑employed US citizens in Ghana may owe US self‑employment tax (15.3%) on top of any local Ghanaian contributions, with no relief from a totalization treaty. Consult a specialist expat tax adviser to avoid double liability.
• UK citizens: You can claim UK State Pension while living in Ghana. Payments can be made to a Ghanaian bank account, but annual uprating (increases) may be frozen depending on bilateral agreements. Check with the UK Pension Service before moving. National Insurance contributions can be made voluntarily from abroad to protect your pension record.

Shipping & customs: If you bring personal belongings, you may face import duties. Used household goods for personal use can sometimes enter duty‑free, but always check with Ghana Revenue Authority. See import duties guide and shipping between Ghana and US/UK.

Canadian Tax Obligations – Non‑Residency Rules

Canada does not tax worldwide income once you become a non‑resident for tax purposes. But you do not automatically become a non‑resident just by moving to Ghana. You must formally sever your Canadian residency by:

• Filing your final T1 General tax return as a departure return (including Form T1161 listing your properties, and Form T1243 for deemed dispositions of capital property if applicable).
• Terminating most residential ties (home, spouse/dependants living in Canada, driver’s licence, health card, bank accounts, credit cards).
• Establishing significant ties to Ghana (residence permit, home, bank account, employment).
• Not claiming provincial health coverage or other benefits after departure.

If you fail to do this correctly, the CRA may continue to treat you as a factual resident, meaning you owe Canadian income tax on your worldwide income (including your Ghana salary or remote work income). There is no double taxation treaty between Ghana and Canada – but the foreign tax credit for Ghanaian taxes paid may reduce your Canadian liability. Consult a cross‑border accountant before you move. See the CRA emigrant guide.

Getting a Ghanaian Driver’s Licence

Ghana drives on the right side of the road. Your foreign licence (US, UK, Canada) is typically valid for 90 days from your date of arrival (confirm current rules with DVLA). After that, you must obtain a Ghanaian licence. Here is the process:

• Visit a Driver and Vehicle Licensing Authority (DVLA) office (e.g., Head Office in Accra, or regional centres in Kumasi, Takoradi).
• Obtain a medical form (cost ~GHS 50–100) and get it signed by a registered Ghanaian doctor.
• Present your passport, valid visa/residence permit, and original foreign driver’s licence (translated into English if not already).
• Pay the application fee (~GHS 200–300).
• Take a computer‑based theory test (traffic signs and rules). The passing score is typically around 80%.
• Pass a practical driving test (road test). You can use a DVLA vehicle or your own.
• Receive a provisional licence, then the final photocard licence within 2–4 weeks.

An International Driving Permit (IDP) is accepted alongside your foreign licence during the initial period but does not replace the need for a Ghanaian licence after the permitted grace period.

Importing a Vehicle to Ghana

Shipping a car is common among diaspora relocators, but the costs often catch people off guard. Import duties on vehicles range from 30% to 60% of the vehicle’s value depending on engine size, age, and fuel type. However, total charges including VAT, ECOWAS levy, NHIL, GETFund levy, and inspection fees can exceed 70%+ of the vehicle’s value.

Example: A $10,000 used SUV with a 2.5L engine may incur $4,000–7,000 in total taxes and fees plus shipping ($1,500–2,500) and port clearance. You will also need a valid residence permit to import a vehicle in your name. The process involves:

• Bill of lading from the shipping line
• Original foreign registration and title
• Customs clearance at Tema or Takoradi port
• Inspection at the DVLA
• Registration and licence plates

Many relocators find it cheaper to buy a used car in Ghana (prices are higher than the US but lower than the UK) rather than ship one. See buying a car in Ghana and import cost calculator.

Step 10: Cultural Adjustment – Climate & Seasons

Ghana runs on “GMT” – Ghana Maybe Time. Schedules are flexible. Patience is a superpower. People greet elders before talking business. You will hear “Akwaaba” (welcome) everywhere. Learn a few Twi or Ga phrases – it opens doors.

Traffic in Accra is real. The heat (especially March–April) is intense. Power outages (dumsor) still happen, though less frequent. But the community is warm, and the food (jollof, banku, kelewele) is unforgettable.

Rainy seasons & climate calendar: Ghana has two rainy seasons – major rains from April to July and minor rains from September to November. During these periods, Accra experiences flooding, road closures, and occasional internet/power disruptions. The dry season (December–March) is hot, dusty, and the most popular time for visitors (“Dirty December”).

Harmattan (November–March): Dust from the Sahara blows south, reducing air quality and visibility. Expect hazy skies, dry skin, cracked lips, and respiratory irritation. Harmattan also affects solar panel efficiency and can cause electronics to accumulate dust. People with asthma or allergies should prepare with air purifiers, humidifiers, and dust masks during peak days.

Electrical standards (critical for US readers): Ghana uses 230V / 50Hz electricity with UK‑style three‑square‑pin sockets (Type G). The US uses 110V / 60Hz. Most US appliances (hairdryers, CPAP machines, kitchen mixers, etc.) will be damaged if plugged directly into a 230V outlet. You need a voltage converter (step‑down transformer) for US devices, or you must replace them with dual‑voltage (110‑240V) models. UK appliances are compatible (230V) but need a plug adapter. Always check the voltage label on your device before plugging it in.

Water safety: Tap water in Accra and most cities is not reliably potable. Do not drink it unless boiled or filtered. Most residents buy sachet water (“pure water,” GHS 1–2 per bag) or bottled water (GHS 5–10). Install a filter system if you prefer tap. Running out of clean water is a week‑one emergency – buy sachets immediately on arrival.

For deeper insight, see daily life in Ghana and languages spoken in Ghana.

Step 11: Safety and Reality Check

Ghana is one of West Africa’s most stable and peaceful countries. According to recent rankings from the 2025 Global Peace Index, Ghana ranks 7th in Sub-Saharan Africa and approximately 61st globally – ahead of the United States (128th). The country consistently outperforms most of its regional neighbours in safety and political stability.

Violent crime against foreigners is rare, but petty theft (phone snatching, bag slashing) happens in crowded areas. Use common sense: don’t flash cash, lock doors, and avoid walking alone at night in unlit areas.

Scams targeting newcomers include fake rental agents and visa helpers. Always verify through official channels. The Ghana safety relocation guide covers neighborhood safety and emergency numbers. Compare crime perception in USA vs Ghana.

Right of Abode & Year of Return Programme

If you are a person of African descent (including Black Americans, Afro‑Caribbeans, and Afro‑Europeans), Ghana offers a dedicated immigration pathway called the Right of Abode. This was a central outcome of the 2019 Year of Return and is established under Section 17 of the Immigration Act 2000 (Act 573) – not the Citizenship Act.

The Right of Abode grants indefinite residence to members of the African diaspora. However, the requirements are substantial and the process is discretionary:

• You must have lived in Ghana for a total period of 7 years, with at least 2 years of continuous residence immediately before applying. This means you cannot apply from abroad; you must already be resident in Ghana.
• Application is made in‑country to the Ghana Immigration Service.
• Additional requirements include: a sponsorship letter (from a company or individual), attestation from two Ghanaians of repute, evidence of contribution to Ghana’s economic development (shares, audited accounts, Ghanaian employment), a current police report from Ghana, a non‑citizen ID card, and if applying through a company: audited accounts for three years, SSNIT returns, and tax clearance certificates for six years.
• A medical report from the GIS clinic is also required.
• The fee is approximately $500–1,000 USD.

Because the process is complex and discretionary, consult an immigration lawyer. See the official GIS Right of Abode page and our guide: Right of Abode in Ghana.

Step 12: Citizenship Path (Residency → Passport)

You cannot get citizenship immediately. The typical route: obtain a residence permit, live in Ghana for at least five years, then apply for naturalization under the Citizenship Act 2000 (Act 591). However, approval is not automatic. The Minister for the Interior has discretionary powers. Applicants must demonstrate good character, a contribution to Ghana, and continuous lawful residence. Dual citizenship is allowed for those who naturalize – but check specific rules. The 2025 citizenship guide breaks down each pathway.

If you have Ghanaian ancestry, the Historic Diaspora Community route may shorten the process. See diaspora citizenship guide and residency to citizenship timeline. Also review dual citizenship rules for US citizens.

If you need personalized legal assistance, consider reaching out to a qualified Ghanaian lawyer. Use the form below to get started:

Realistic Relocation Timeline (Years → Months)

Understanding how long each stage actually takes prevents false expectations.

Plan for the longest estimates. Many people experience delays with Ghana Card and residence permit – do not book non‑refundable travel or commit to major purchases until permits are in hand.

Lean Relocation Strategy (Lower Budget)

Not everyone has $15,000 saved. A phased, lean approach works for many:

• Phase 1 (Test month): Book a 3‑4 week stay in a budget Airbnb or guesthouse. Live like a local – cook your own meals, use public transport, shop at markets. Budget $1,500–2,500 USD total for this phase (flight + accommodation + expenses).
• Phase 2 (Commit): If satisfied, return home, secure a remote job or freelance income, then move with a larger runway.
• Alternative: Coliving / shared housing. Look for shared housing arrangements in Accra – some expat guesthouses and coliving spaces offer private rooms with shared kitchens and living areas. Monthly rates can range from GHS 1,500–3,000 including utilities.
• Avoid large deposits early. Do not pay 12 months’ rent until you are certain you will stay long‑term.

This strategy reduces risk and allows you to “fail fast” without losing a life savings.

Your First 30 Days in Ghana (Critical Checklist)

• Day 1–3: Get a local SIM card (MTN, Vodafone, or AirtelTigo). Register it with your passport. See SIM card guide.
• Day 4–7: Register for your Ghana Card at an NIA office. This is essential for banking and long‑term services.
• Day 8–14: Open a bank account (bring passport, visa, Ghana Card once received). Set up mobile money.
• Day 15–21: Find long‑term rental (visit properties in person). Pay deposit and sign lease.
• Day 22–30: Apply for residence permit at Ghana Immigration Service (if not already done). Register with your embassy for alerts.

Internet, TV & Utilities Setup

Reliable internet is essential for remote work. Ghana has several fibre and fixed‑wireless providers. Here are the main options in Accra and major cities:

• • MTN Fibre – Coverage in most Accra suburbs. Plans from GHS 300–1,000/month (USD 27–90) for 50–300 Mbps.
  • Vodafone Fibre / Broadband – Similar pricing, often bundled with TV. Installation takes 5–14 days.
  • Starlink – Satellite internet available nationwide, including outside Accra. No cables or fibre required – dish points at the sky. Residential plan from GHS 770/month (approx. USD 70); Residential Lite from GHS 500/month. Hardware kit costs approximately GHS 5,390–7,000 (one-time purchase). Speeds typically 50–250 Mbps. Best option for rural areas or anywhere fibre is unavailable.
  • AT (AirtelTigo) – 4G home broadband, lower cost but variable speeds.

Installation lead times: fibre can take 2–4 weeks if infrastructure is unavailable. For immediate connectivity, buy a mobile data SIM (MTN or Vodafone) with a 4G/5G router. Monthly data costs for mobile: GHS 100–300 for 50–200GB.

TV services: DStv (satellite/cable) and GOtv offer international and local channels. Subscription from GHS 100–500/month.

Reality vs Expectation: What Nobody Tells You

• Tap water is not reliably safe: Do not drink tap water without boiling or filtering. Sachet water is your everyday solution.
• Internet outages: Even in Accra, fiber can go down. Have a mobile data backup.
• Landlord practices: Many demand 6–12 months rent upfront. Negotiate but be prepared.
• Bureaucracy: Simple tasks can take multiple visits. Bring patience and snacks.
• Power cuts (dumsor): Still happens. Buy an inverter or generator for your electronics.
• Heat: March–April is brutal. Air conditioning is not a luxury; it is survival.
• “Friend” requests: Strangers may approach you with business deals. Be polite but cautious.

Read how to handle power outages and what to pack to avoid surprises.

Who Should NOT Move to Ghana

Honest advice: Ghana is not for everyone. You should reconsider if:

• You need first‑world infrastructure and perfect reliability.
• You cannot handle slow bureaucracy or ambiguous rules.
• You have serious health conditions that require advanced specialist care unavailable in Ghana.
• You are unwilling to adapt to Ghanaian social norms (greetings, respect for elders, flexible time).
• You expect to find a high‑paying local job without local connections or specialized skills.

If any of these sound like you, consider a long visit before committing to a move.

International Schools & Education for Children

For families moving with children, Ghana offers several well‑regarded international schools, primarily in Accra. Most follow British or International Baccalaureate (IB) curricula. Tuition ranges from $5,000 to $20,000 USD per year depending on the school and grade level. Popular options include:

• Lincoln Community School (American/IB curriculum)
• Ghana International School (British/IB)
• The Roman Ridge School (British)
• Al‑Rayan International School

Enrolment usually requires a valid residence permit, school records from the previous institution, and a health clearance. Start applications early – places can be competitive. See the full expat school guide for details.

Bringing Pets to Ghana: Import Procedures

You can bring dogs and cats to Ghana, but strict veterinary requirements apply. The process typically takes 3–6 months. Key steps:

• Microchip your pet (ISO 11784/11785 compliant).
• Rabies vaccination at least 30 days (and not more than 12 months) before travel.
• Obtain an export health certificate from a government veterinarian in your home country (usually within 10 days of departure).
• Apply for an import permit from Ghana’s Veterinary Services Directorate.
• Your pet will be inspected upon arrival at Kotoka Airport; quarantine is rarely required if all documents are correct.

Read the complete step‑by‑step guide: importing pets into Ghana.

Wills & Estate Planning in Ghana

If you plan to take a 50‑year lease on property, accumulate savings in Ghanaian banks, or operate a business, you should create a Ghanaian will. Ghana’s intestate succession law (Intestate Succession Law, 1985 (PNDCL 111)) applies to assets physically located in Ghana, regardless of your nationality. A foreign will may not be automatically recognised by Ghanaian courts, leading to delays or disputes.

Recommendations:

• Consult a Ghanaian lawyer to draft a will that complies with Ghanaian law.
• Update your will whenever your asset or family situation changes.
• Consider appointing a Ghanaian executor if your heirs are overseas.
• For large estates, explore a trust structure (legal advice required).

This is not urgent for your first month, but it should be done within the first year of acquiring significant assets. See our guide: estate planning for US citizens.

Common Mistakes (Avoid These)

• Underestimating costs – Bring at least $5,000–10,000 USD in savings beyond initial expenses.
• Renting without viewing – Scammers love “too good to be true” listings.
• Overstaying visa – Fines are subject to change; historically around GHS 300 per month for tourist/business overstays (work permit overstays attract a separate USD fee). Always check current GIS penalties before your visa expires.
• Expecting US‑level infrastructure – Power outages, slower internet, and different road conditions are normal.
• Not learning local norms – Greeting elders and using “please” and “sorry” goes a long way.
• Ignoring the Ghana Card – You cannot do anything important without it after the first few months.
• Forgetting tax obligations – US citizens must still file annually; UK citizens should also verify double taxation rules; Canadians must formally sever residency.
• Drinking tap water without treatment – Assume it is unsafe until tested. Use sachet or bottled water.
• Assuming a US-Ghana totalization agreement exists – It does not. Self‑employed US citizens may owe US self‑employment tax in addition to Ghanaian contributions.

Final Pre-Move Checklist

Print this and check each box before you board the plane:

• Passport valid 6+ months
• Yellow fever card
• Police clearance certificate (apostilled)
• Bank statements (3 months)
• Birth certificate (apostilled)
• Prescription meds (enough for 3 months)
• Laptop, charger, power bank (bring surge protector)
• Cash USD ($500–1,000 for immediate use) – ATMs work but not always reliable
• International driver’s permit (if you plan to drive)
• Voltage converter (step‑down transformer) for US appliances
• Plug adapters (Type G – UK three‑square‑pin)
• Water filter or reliable bottle for first few days (buy sachet water on arrival)
• Copies of all documents (digital and physical)
• Printed Airbnb booking for first 2 weeks
• Emergency contact numbers (embassy, local friend)
• Pet import permit and health certificate (if bringing animals)
• School enrolment confirmations (if moving with children)

Sources & Official References

• Ministry of Interior (Ghana) – Citizenship & Residence
• Ghana Immigration Service – Visa, Permit & Right of Abode
• Bank of Ghana – Exchange Rate Policy & Licensed Money Transfers
• US IRS – Foreign Earned Income Exclusion
• CRA – Leaving Canada (Emigrants)
• Global Peace Index 2025 – Ghana Rankings
• World Health Organization – Ghana Vaccine Requirements
• Ghana Investment Promotion Centre – Act 865 & Reforms
• Driver and Vehicle Licensing Authority (DVLA) – Licence Conversion
• Social Security and National Insurance Trust (SSNIT)
• National Health Insurance Scheme (NHIS)