Moving from Ghana to the United Kingdom (2026 Step by Step Guide)

Table of Contents

• PHASE 1: The Foundation
• PHASE 2: The Application
• PHASE 3: The Preparation
• PHASE 4: Arrival and First Weeks
• A Final Word
• Sources

 

 

A Personal Note Before We Begin

So you are thinking about moving to the UK. Maybe you have been dreaming about this for years. Maybe an opportunity has just landed in your lap. Maybe you are sitting in your room in Accra, Kumasi, or Tamale right now, staring at your phone, wondering “Is this actually possible for someone like me?”

I will be straight with you: it is possible, but it is harder than it was five years ago. The UK government has changed the rules dramatically. The salary thresholds are higher. The English requirements are tougher. The waiting times for permanent settlement have tripled for most people.

But here is the thing, thousands of people are still making this move successfully every year. They are studying in Manchester, working as nurses in Birmingham, joining their spouses in London. They are figuring it out, and so can you.

This guide is written like we are sitting down together, probably over some kenkey and pepper, and I am walking you through everything I know. No government jargon. No pretending it is easy when it is not. Just the real steps, in order, from the very first thing you should do to the moment you unlock the door to your own flat in the UK.

Let us begin.

 

PHASE 1: THE FOUNDATION (6-12 Months Before You Plan to Move)

 

Step 1: Get Brutally Honest About Your “Why”

Before you do anything else, before you open a single government website or call a single consultant, sit down and answer this question properly:

Why do you want to move to the UK?

Not the vague answer. The real one.

Is it because:

• You want better career opportunities in your field?
• You have family there who you miss terribly?
• You want your children to have access to British education?
• You feel stuck in Ghana and need a fresh start?
• You just want to earn in pounds and send money home?

Write it down. Because the path you take depends entirely on your answer.

If your main goal is career advancement, you are looking at a Skilled Worker visa or Student visa.
If your main goal is joining family, you are looking at a Family visa.
If your main goal is earning money to send home, you need to be realistic about UK salaries versus UK living costs.

There is no wrong answer. But you need to know yours before you can plan your route.

 

Step 2: Pick Your Destination (and Be Specific)

“The UK” is not a place. It is four countries with different vibes, different costs, and different opportunities.

• London is expensive, like, shockingly expensive. But it has the largest Ghanaian community, the most jobs, and the most everything. If you can handle the cost, it is where most people start.
• Manchester, Birmingham, Leeds, Bristol are big cities with strong Ghanaian communities and lower costs than London. Many people who have been in the UK for years will tell you these cities offer better quality of life.
• Smaller towns might have fewer Ghanaians but lower rents and sometimes easier paths to jobs, especially in healthcare.

Here is an exercise: pick three cities and spend a week researching them. Look at:

• Average rent for a room or flat
• Job opportunities in your field
• Presence of Ghanaian churches or community groups
• Transport links
• Weather (yes, really, some places are significantly rainier than others)

Join Facebook groups for Ghanaians in those cities. Ask questions. See where you feel most drawn.

 

Step 3: The Ghanaian European Centre (GEC), Your Free Secret Weapon

There is a place in Accra that most people do not know about, and it could save you from making expensive mistakes.

The Ghanaian European Centre (GEC) is funded by the German and EU governments, but they have expanded their remit to help with UK migration too. Their entire job is to give you free, accurate information about moving to Europe and the UK.

Why go here instead of just Googling?

• Because Google will show you ads from consultants charging you thousands of cedis for information you can get for free
• Because the rules change constantly, and the GEC stays updated
• Because they can look at your specific situation and tell you which visas you might qualify for

Location: They are in Accra. Check their website for current address and appointment booking.
Cost: Free. If someone tries to charge you for an appointment, that is not the real GEC.

Go there early. Go there with your questions written down. Take notes.

 

Step 4: The Passport Check

This sounds basic, but you would be surprised how many applications get delayed because of passport issues.

Your Ghanaian passport must be valid for the entire duration of your intended stay. For long-term visas, this means years. If a visa vignette (sticker) is issued, you will need a blank page for it. Check your passport now – if it is expiring soon, renew it before you start your application. Changing your passport midway through a visa application is a headache you do not need.

 

Step 5: The Document Gathering (Start Now, Thank Yourself Later)

Here is something they do not tell you: the document gathering stage takes months if you do it properly. Not because the UK government is slow, but because getting official documents in Ghana can take time.

Start collecting these now:

For every applicant:

• Your passport (and copies of every page)
• Birth certificate (get an official copy if you do not have one)
• Passport photos (meeting UK specifications, smile, serious? Check requirements)

If you are married or have children:

• Marriage certificate (registered with the Registrar General’s Department)
• Children’s birth certificates
• If you have customary marriage, you may need additional documentation proving it is recognized

If you have travelled before:

• Old passports showing previous visas
• Entry/exit stamps
• Any previous visa refusal letters (you MUST declare these, hiding them guarantees refusal)

If you are working:

• Employment letters from current and previous jobs
• Pay slips (at least 6 months)
• Tax records
• Professional certificates and degrees
• Any licenses required for your profession

Financial documents:

• Bank statements (6 months minimum)
• Savings account statements
• Property documents (if you own land or house in Ghana)
• Evidence of any other income

The trick is to get certified copies of everything. In Ghana, you can get documents certified by a lawyer, a magistrate, or a notary public. Do this for every important document now, so you are not scrambling later.

 

Step 6: The English Language Reality Check

Here is a hard truth: your English is probably better than you think, but you might not have the specific qualification the visa requires. The level you need depends entirely on your visa route.

Skilled Worker visa: You need B2 level English (upper intermediate). This means you can understand complex texts, interact fluently, and produce clear detailed writing. This requirement is already in place.

Student visa: The requirement varies by course level and your university. Most degree courses ask for B2, but some foundation courses accept B1. Your Confirmation of Acceptance for Studies (CAS) will state the level the university has assessed you at.

Family visa (partner/spouse): At first application, you usually need A1 level (beginner). This increases to A2 after 2.5 years, then B1 at the settlement stage.

Health and Care Worker visa: Follows the same B2 rule as Skilled Worker.

If you grew up speaking English in Ghana, you might already be at these levels. But you still need to prove it through an approved test. The only accepted tests are from IELTS for UKVI (Academic or General Training), Pearson PTE Academic UKVI, Trinity College London (for some visas), and LanguageCert International ESOL. You cannot just show your WASSCE certificate. You need to take one of these specific tests.

Cost: Around £150-£200 (approximately 2,000-3,000 GHS). Where: Test centres in Accra. How long: Book at least 2-3 months before you need the results.

If your English is not at the required level, you have two choices: Study and improve before taking the test (free resources like BBC Learning English, British Council apps) or consider a Pre-sessional English course at a UK university (if you are applying for a student visa). Do not underestimate this. I have seen people with excellent conversational English fail these tests because they were not prepared for the format.

 

Step 7: The Financial Reality (How Much Will This Actually Cost?)

Let us talk money. Not the official figures. The real figures.

Visa fees (approximate):

• Visitor visa: £115
• Student visa: £490
• Skilled Worker visa (3 years): £719-£1,500
• Family visa: £1,538

Immigration Health Surcharge (IHS):

• This is the fee that lets you use the NHS
• Standard rate: £1,035 per year
• Student rate: £776 per year
• For a 5-year visa, that is over £5,000 just for healthcare access

English test: £150-£200

TB test: Approximately £65 (done at specified clinics in Accra)

Biometrics appointment: Often included, but sometimes there are optional services

Travel to Accra: If you do not live in Accra, factor in transport and possibly accommodation

Flights: £500-£1,000 depending on time of year

Initial accommodation: At least £500-£1,000 for your first month’s rent and deposit

Living money until first pay cheque: At least £1,000-£2,000

Total for a student moving for a 3-year degree: Easily £15,000-£20,000 in savings or sponsorship

Total for a worker with a job offer: You will need less upfront because you will be earning sooner, but you still need the visa fees, IHS, and initial living costs

The point is not to scare you. It is to be real. You need to start saving now, or have a family member who can help, or have a scholarship.

If you are looking at these numbers and feeling overwhelmed, remember: thousands of Ghanaians have done this before you. They figured it out, and you will too. But you need a plan.

 

Step 8: The Consultant Question (Proceed with Extreme Caution)

There are many “immigration consultants” in Ghana who will promise to handle everything for a fee. Some are legitimate. Many are not.

Red flags:

• “We guarantee your visa” (NO ONE can guarantee a visa)
• “Pay us and we will handle everything” (YOU must be involved in your own application)
• “We have connections at the embassy” (No, they do not)
• Fees that seem too good to be true, or fees that are astronomical

If you use a consultant:

• Check they are registered with the Office of the Immigration Services Commissioner (OISC) in the UK
• Get everything in writing
• Never give them your passwords
• Read every document before it is submitted

The honest truth? Most people can do this themselves. The UK government website is designed to be used directly. The application forms ask you questions, you answer them. Consultants often just fill in forms that you could fill in yourself.

But if your situation is complicated (previous refusals, criminal record, complex family situation), a good OISC-registered adviser can be worth the money. Just be careful.

 

Step 9: Understanding the Proposed Settlement Changes (What Might Be Coming)

In November 2025, the UK government opened a consultation on proposals for a major overhaul of how people get permanent residency (called Indefinite Leave to Remain or settlement). These are proposals, not yet final law. The details could change before any implementation date is confirmed.

The current system (which still applies to everyone applying now): Most people qualify for settlement after 5 continuous years in the UK. After settlement, you can apply for citizenship after another 12 months.

What has been proposed (under review, consultation ongoing): Most people would need 10 years to settlement. High earners (salary over £125,000/year) could qualify in 3 years. Lower-paid workers might need up to 15 years. You would need to meet four requirements: character, integration (English), contribution (earnings and taxes), and continuous residence. The government has described this as an “earned settlement” model.

Why this matters to you now: If any new rules take effect in the future, they may only apply to people who apply after the implementation date. But because these are only proposals, do not make life decisions based on them until they are confirmed. Always check GOV.UK for the rules that apply at the time you apply.

 

PHASE 2: THE APPLICATION (3-6 Months Before You Plan to Move)

 

Step 10: Choose Your Visa Route (And Make Sure You Qualify)

Based on your “why” from Step 1, you should now have a clear idea of which visa you are applying for. Let us go through each one with the 2026 requirements.

 

Option A: Student Visa

You qualify if:

• You have an offer from a UK university or college (they must be a licensed sponsor)
• The course is full-time
• You can prove you have enough money for tuition and living costs
• You can prove your knowledge of English (the level required will be stated on your CAS)
• You are a genuine student (they will assess this)

Money: Current maintenance requirements (check GOV.UK for any updates as figures are reviewed periodically): If studying in London: £1,529 per month (up to 9 months). If studying outside London: £1,171 per month. Plus full tuition fees for first year. This money must be in your bank account (or your sponsor’s) for at least 28 consecutive days, with the closing date within 31 days of your application.

Dependants: Only PhD students and research master’s students can bring family. If you are starting a taught master’s degree, your spouse and children cannot come with you.

Work rights: 20 hours per week during term time, full-time during holidays. Can switch to Graduate visa after studies (2 years, or 3 for PhD).

 

Option B: Skilled Worker Visa

You qualify if:

• You have a job offer from a UK employer who is a licensed sponsor
• The job is at graduate level (RQF Level 6)
• You will be paid at least the general salary threshold or the “going rate” for your job, whichever is higher
• You can meet the English requirement (B2 level)

The general salary threshold is currently £41,700 per year. However, you may be paid less in certain circumstances: If you are a “new entrant” (under 26, recently graduated, or in certain training roles), the threshold is lower. If your job is on the immigration salary list. If you have a PhD relevant to the job. The minimum you can be paid in these circumstances is often around £33,400, but this depends on the specific role and route.

What counts as a “new entrant”? Under 26 on application date, recently graduated and starting first UK job, working towards professional qualification, or postgraduate trainee.

Dependants: Yes, you can bring spouse and children. They have full work rights.

Path to settlement: Currently 5 years (though this is under review as noted in Step 9).

 

Option C: Health and Care Worker Visa

You qualify if you have a job offer in an eligible health or care occupation from a UK employer who is a licensed sponsor. Eligible occupations typically include doctors, nurses, radiographers, paramedics, and certain other health professionals.

Important updates to be aware of:

From March 2024, the government restricted care workers and senior care workers from bringing dependants (spouse and children) on this route. If you are applying as a care worker, check the current rules carefully.

Some further changes to care worker recruitment and eligibility have been proposed or implemented in stages since 2024. The exact rules depend on your occupation code and when you apply.

Benefits of this route: Lower salary thresholds may apply. Reduced visa application fee. No Immigration Health Surcharge (saves thousands).

Because this route has seen multiple recent changes, you must check the specific eligibility criteria for your occupation on GOV.UK before applying.

 

Option D: Family Visa (Spouse/Partner)

You qualify if:

• You are married to or in a genuine relationship with a British citizen or settled person
• Your relationship is genuine and subsisting
• You have met in person (online relationships do not count unless you have actually met)
• Your sponsor earns at least £29,000 per year (or has sufficient savings)
• You have adequate accommodation
• You can prove your knowledge of English (usually A1 level at first application)

Income requirement details: £29,000 from employment (can be combined with savings). Or savings alone: £88,500 (if no income). Or a combination.

Path to settlement: 5 years on family visa. Then Indefinite Leave to Remain. Spouses of British citizens are exempt from any proposed longer settlement rules – family remains the fastest route.

 

Option E: Visitor Visa

This is NOT for moving permanently. But it might be a step.

Some people visit first to:

• See if they actually like the UK
• Attend job interviews
• Visit family
• Research universities

Requirements:

• Prove you will return to Ghana (job, property, family)
• Show you can fund the trip
• Clear itinerary

Refusal rates for Ghanaian applicants have historically been high. Decisions hinge on whether you convince the officer you have strong ties to Ghana and will leave at the end of your visit. Be prepared to prove this thoroughly.

 

Step 11: The Job Search (If You Need an Employer)

If you are going for a Skilled Worker visa, you need a job offer first. This is often the hardest part.

Where to look:

• NHS Jobs, if you are in healthcare, this is your best bet. The NHS actively recruits from Ghana for nurses, doctors, allied health professionals.
• Gov.uk “Find a job” service
• Indeed.co.uk
• LinkedIn, create a profile, connect with recruiters
• Specialist recruitment agencies that focus on your field
• Ghanaian networks, someone’s cousin in London might know someone hiring

Your CV needs to be UK-style:

• No photo
• No date of birth
• No marital status
• 2 pages maximum
• Focus on achievements, not just duties

The sponsorship question:

When you apply, you need to know: does this company sponsor visas? Many job adverts will say “must have right to work in the UK”, those are not for you. Look for companies that explicitly say they offer sponsorship, or apply speculatively to companies known to sponsor.

You can check the official Register of Licensed Sponsors on gov.uk to see if a company is approved to sponsor.

 

Step 12: The University Application (If You’re Studying)

If you are applying for a student visa, you need a Confirmation of Acceptance for Studies (CAS) from a university.

Timeline:

• Research courses: 12-18 months before start date
• Apply through UCAS or direct to university: 9-12 months before
• Receive offers: 6-9 months before
• Accept offer and pay deposit: 4-6 months before
• Receive CAS: 3-4 months before

Scholarships:

Do not assume you have to pay full fees. Research:

• Commonwealth Shared Scholarships
• Chevening Scholarships
• GREAT Scholarships
• University-specific scholarships for Ghanaian students

These are competitive, but if you have good grades, apply for everything.

 

Step 13: The TB Test (Yes, You Need This)

Every Ghanaian applying for a UK visa over 6 months must have a tuberculosis test.

Where: Approved clinics in Accra (list on gov.uk, currently including some private hospitals).

What happens: Chest X-ray. If clear, you get a certificate. The clinic uploads your result directly to UKVI (you do not carry the certificate, though bring confirmation).

Cost: Around £65. Validity: 6 months (must be valid on application date and when you travel).

Do this AFTER you have booked your visa appointment but BEFORE you submit, so the result is fresh.

 

Step 14: The Online Application (Take Your Time)

This is where many people rush and make mistakes.

Go to: gov.uk/apply-uk-visa

Create an account:

• Use an email you check regularly
• Save your password somewhere safe
• Write down your application number

The form: It will ask you everything. EVERYTHING.

• Personal details
• Travel history (every trip abroad in last 10 years)
• Previous visas
• Previous refusals (declare them, they will find out)
• Employment history
• Family details
• Finances
• Accommodation in UK
• Sponsorship details

Tips:

• Save after every page
• Take screenshots of each section
• Be consistent (what you say here must match your documents)
• If you do not understand a question, use the help text or ask someone
• Do not lie. Ever. Even small lies can get you banned for 10 years.

Once submitted: You will pay the fee and book your biometrics appointment.

 

Step 15: The Biometrics Appointment

You will book this at the UK Visa Application Centre in Accra (run by TLScontact or VFS, depending on visa type).

What to bring:

• Your passport
• Appointment confirmation
• Any documents you want to submit (though most are uploaded online now)
• The TB test confirmation

What happens:

• They check your documents
• Take your photo
• Scan your fingerprints
• Ask if you want any extra services (SMS updates, keep your passport while processing, etc.), these cost extra and are optional

After biometrics: Your application is officially submitted. Now you wait.

 

Step 16: The Waiting Period

Processing times vary:

What to do while waiting:

• Check your email daily (including spam folder)
• Do not book flights yet
• Do not quit your job in Ghana
• Do not tell everyone you are leaving
• Prepare for Phase 3

If they ask for more documents: Sometimes UKVI will email asking for additional evidence. Respond immediately. Delays here can cause refusals.

If you are refused: It happens. Do not panic. Read the refusal letter carefully, it will tell you exactly why. Sometimes it is fixable (wrong document, missing evidence). Sometimes it is more serious. You can reapply, but you will need to address the reason for refusal.

 

Step 17: The Decision (Finally)

When a decision is made, you will get an email. You will then need to log into your UKVI account to see it.

If approved: Congratulations! You will receive your eVisa details. You will also get a decision letter. Your passport might be returned with a vignette sticker (valid for 90 days to enter the UK).

Check everything:

• Name spelling correct
• Dates correct
• Visa conditions correct (work restrictions, etc.)

If anything is wrong, contact UKVI immediately.

If refused: The email will explain why. You have the right to appeal for some visas, or you can reapply. This is where that consultant might actually help, but it is expensive. Sometimes it is better to wait, fix the issue, and try again.

 

PHASE 3: THE PREPARATION (2-3 Months Before You Fly)

 

Step 18: The eVisa, What You Need to Know

The UK is transitioning to a digital immigration system. Physical documents like Biometric Residence Permits are being replaced by eVisas, digital records of your status linked to your passport. From late 2025 and into 2026, more applicants are being directed to use eVisas rather than receiving physical stickers or cards.

What this means for you: Your decision letter will tell you exactly what you need to do. You may need to create a UKVI account and access your eVisa online. Once set up, you prove your status using a share code, not a physical document. At the border, officers will scan your passport and see your status digitally.

If you are required to set up an eVisa before travel, do it before you leave. Take screenshots of your status. Save the decision letter on your phone. Print a copy to carry with you as backup. Not everyone receives an eVisa immediately, follow the specific instructions in your decision letter.

 

Step 19: The Flights (When to Book)

You can enter the UK: Up to 1 week before your course starts (if student). From the start date on your visa vignette (if worker or family).

Booking tips:

• Book direct flights if possible (Accra to London is about 6-7 hours)
• If you must transit, check if you need a transit visa for the connecting country
• Compare prices: British Airways, KLM, Turkish Airlines, Ethiopian Airlines, Egypt Air
• Book at least 4-6 weeks before travel for best prices
• Consider travel insurance (covers cancellation, lost luggage, medical)

Packing strategy: You are allowed one checked bag (23kg usually) and one carry-on. This is not much for a whole new life.

What to pack:

• Essential documents (passport, birth certificate, certificates, marriage certificate, bank statements, job offer, keep these in your carry-on)
• Important medications (with prescription, enough for first month)
• Ghanaian clothes for special occasions (you will want them)
• Photos of family
• A few favourite foods (check customs restrictions, no meat, dairy, fresh produce)
• Laptop, phone, chargers (UK plug adapters)
• Warm clothes (even if you are arriving in summer, it gets cold)

What NOT to pack:

• Everything you own (you can buy things there)
• Large amounts of cash (declare if over £10,000)
• Prohibited items (knives, certain foods)

 

Step 20: The Accommodation Hunt (Do This BEFORE You Land)

You cannot arrive in the UK with nowhere to stay. You need an address for your visa (you gave one in the application), registering with a GP, opening a bank account, and feeling like you actually live somewhere.

Option 1: Short-term accommodation (recommended for first 2-4 weeks): Airbnb, hostel, SpareRoom (short-term lets), ask family/friends if you have them.

Option 2: Long-term accommodation (can be arranged before arrival, but risky): You might find a room on SpareRoom and secure it before coming, but many landlords want to meet you first. Be VERY careful of scams, never send money for a property you have not seen.

How to search: SpareRoom.co.uk, best for room shares, filter by “budget” and area. Rightmove and Zoopla, for entire flats. Facebook groups, “Ghanaians in London”, “Accommodation in Manchester”, etc.

Costs to expect:

• Room in shared house (London): £700-£1,200 per month
• Room outside London: £400-£700 per month
• One-bed flat (London): £1,500-£2,500 per month
• Deposit: usually 5 weeks’ rent
• First month’s rent upfront

Scam warning: If someone asks you to pay a deposit before you have seen the property, and they have excuses why you cannot view it, it is probably a scam. Use reputable sites, never send money via Western Union or random bank transfers.

 

Step 21: The Bank Account Research

You will need a UK bank account to receive your salary and pay bills. But you usually need a UK address to open one.

Options for new arrivals: Monzo, Starling, Revolut, app-based banks that are easier to open, sometimes before you arrive. High street banks (Barclays, Lloyds, HSBC), need proof of address and ID. Specialist accounts for migrants, some banks offer basic accounts with fewer requirements.

Before you leave: Check if your Ghanaian bank has a UK partner. Notify your bank you are travelling (so they do not freeze your card). Have a backup payment method (credit card, someone’s UK account you can transfer to).

 

Step 22: The Money Transfer Plan

You will need to move money from Ghana to the UK eventually. But do not carry all your savings in cash.

Options: International wire transfer from your Ghanaian bank (slow, expensive). Wise (online service, better rates, can hold multiple currencies). WorldRemit, Sendwave, ACE Money Transfer, popular with Ghanaians. Carry some cash (£500-£1,000) for immediate needs, but declare if over £10,000.

Compare rates: Do not just use your bank. Compare the total cost (exchange rate + fees) across services. Even small differences add up.

 

Step 23: The Healthcare Preparation

You have paid the Immigration Health Surcharge as part of your visa. This gives you access to the NHS.

Before you leave: Get a dental check-up in Ghana (NHS dentistry is hard to access). Get any prescriptions filled for at least 1-2 months. Carry your medical records if you have ongoing conditions. Bring a letter from your doctor if you have specific health needs.

Register with a GP as soon as you arrive: Find a GP surgery near your address (NHS website). Go in person or register online. Provide proof of address and ID. You will be registered within a few weeks.

 

Step 24: The Mental Preparation

This is the step everyone forgets.

Moving countries is one of the most stressful things a human can do. You will experience:

• Excitement (first few days)
• Overwhelm (week 2, when nothing works like it does at home)
• Homesickness (week 3, when you miss banku and your mum’s voice)
• Loneliness (even if you know people)
• Doubt (did I make a huge mistake?)

This is NORMAL. Every single Ghanaian who has moved to the UK has felt this.

What helps:

• Find a Ghanaian church quickly (this is where community happens)
• Join Ghanaian WhatsApp groups in your city
• Call home regularly, but not so much that you do not build life here
• Give yourself time, 3 months to feel slightly settled, 6 months to feel okay, 1 year to feel at home
• Be kind to yourself

Also prepare for:

• The weather (it is not just cold, it is grey for months)
• The food (you can find Ghanaian ingredients, but they cost more)
• The pace (things might move slower or faster than you expect)
• The people (Brits can seem reserved, but they warm up)

 

PHASE 4: THE ARRIVAL (The First 72 Hours)

 

Step 25: The Landing

You have landed. Heathrow, Gatwick, Manchester, whichever airport. You are tired, you are excited, you are probably hungry.

At the border:

• Follow signs for “UK Border” or “Arrivals”
• Join the queue for “All Other Passports” (not UK/EU)
• When it is your turn, hand over your passport
• The Border Force officer will scan it and see your eVisa
• They might ask questions: “What is the purpose of your visit?”, “Where will you be staying?”, “What do you do for work/study?” Answer honestly and briefly

If they ask to see documents: Have them ready (offer letter, CAS, accommodation proof). Most of the time they just wave you through.

Collect your luggage: Find your baggage carousel, grab your bags, and head out.

Getting to your accommodation: Train (fastest to city centres). Tube/Underground (London only). Bus/coach (cheapest). Taxi/Uber (most convenient, most expensive). Have your accommodation address ready. If you are using public transport, Google Maps works perfectly in the UK.

 

Step 26: The First Night

You are in your room (or hostel, or Airbnb). What now?

• Unpack just enough to find your toiletries and pyjamas
• Eat something, even if you are not hungry, your body needs fuel
• Drink water, flights dehydrate you
• Set an alarm, you will likely wake up at 3am due to jet lag
• Call someone at home, let them know you arrived safely
• Charge your phone, you will need it tomorrow

Do not:

• Try to do everything on day one
• Wander around at night in an unfamiliar area
• Spend money you do not need to spend

 

Step 27: The First Full Day

You are awake at 4am. That is okay. Use the time.

Priority tasks:

• Buy a PAYG SIM card (Vodafone, EE, O2, Three), get a cheap one to start, you can switch later
• Get cash, find a cashpoint (ATM), withdraw some pounds
• Oyster card (London only), buy one at any tube station, load it with money
• Locate your local supermarket, Tesco, Sainsbury’s, Asda, Lidl, Aldi. Buy basic food.
• Figure out public transport, take a bus somewhere and back, just to learn

If you have energy: Walk around your neighbourhood. Learn where things are. Find the nearest Ghanaian shop (search “African grocery near me”). Start looking for the nearest Ghanaian church (Google or ask in Facebook groups).

 

Step 28: The First Week

Day 2-3:

• Register with a GP (doctor)
• Open a bank account (if you have address proof)
• Set up your UKVI account if you have not
• Apply for National Insurance Number (if you plan to work), do this online

Day 4-5:

• If student: go to your university, attend orientation, get student ID
• If worker: contact your employer, confirm start date, ask about payroll forms
• Explore more of your area
• Join a local gym or library (cheap ways to meet people)

Day 6-7:

• Attend church (this is where community happens)
• Call home again
• Reflect on your first week. Be proud of yourself.

 

Step 29: The Bank Account (Detailed)

You need a bank account. Here is how to do it:

What you will need:

• Passport
• Proof of address (utility bill, tenancy agreement, bank statement, but you are new, so this is tricky)
• Your visa or eVisa details

If you do not have proof of address yet:

• Some banks (Monzo, Starling) accept alternative proof
• Your employer can write a letter confirming your address
• Your university can provide a letter if you are a student
• Use your Airbnb confirmation? Sometimes works, sometimes does not

Process:

• Choose a bank (compare accounts, some have monthly fees)
• Apply online or in branch
• Provide documents
• Wait for card to arrive (5-7 working days)
• Activate card, set up online banking

 

Step 30: The National Insurance Number

If you plan to work, you need a National Insurance number (like your SSNIT number in Ghana). Apply online: gov.uk/apply-national-insurance-number

You will need: Proof of identity (passport). Proof of address. Reason for applying.

After applying: They might call you for an interview (just to confirm your identity). They will post your NI number to you within a few weeks. While waiting: You can still work. Your employer will use a temporary reference number.

 

Step 31: The Flat Hunt (If You’re in Temporary Accommodation)

If you are in short-term accommodation, you now need to find somewhere permanent.

Start searching: SpareRoom.co.uk (best for room shares). Rightmove/Zoopla (for whole flats). Facebook groups (search “[City] flatshare” or “[City] rooms to rent”).

Viewings: Go to viewings during daylight hours. Take someone with you if possible. Ask questions: bills included? deposit? minimum stay? who are the housemates? Trust your gut, if it feels dodgy, it probably is.

When you find a place: You will pay a holding deposit (usually 1 week’s rent) to take it off the market. Then you will sign a tenancy agreement (READ IT). Pay the full deposit (protected by law in a scheme). Pay first month’s rent. Get the keys.

Council tax: You will need to register for council tax with the local council. Students are exempt (your university gives you a certificate). Everyone else pays, factor this into your budget.

 

Step 32: The Utilities and Bills

Once you have a permanent address, you need to set up: Electricity and gas, take a photo of the meters on move-in day, compare providers, set up an account. Water, usually one provider for your area, just set up direct debit. Broadband, compare deals, can take 2 weeks to install, order early. TV licence, if you watch live TV or iPlayer, you need one (around £159/year). Or find a place where bills are included in the rent (easier for your first year).

 

Step 33: The Community Building

This is the step that determines whether you thrive or just survive.

Find Ghanaian church: Search “[your city] Ghanaian church” or “Presbyterian Church of Ghana [city]” or “Methodist Church Ghana [city]”. Go. Even if you are not religious, the community is invaluable.

Join Facebook groups: Ghanaians in [your city], Ghana Community UK, Ghanaian Nurses in UK (if relevant), Ghanaian Students UK.

Attend events: Ghana Independence Day celebrations (March 6th), community gatherings, African food markets.

Make friends outside the community too: Join hobby groups (football, gym classes, book clubs). Talk to colleagues. Be open, even when it feels awkward.

 

Step 34: The Work Start (If Applicable)

Your first day at work: Arrive early (15 minutes is perfect). Dress appropriately (check dress code beforehand). Bring ID for payroll. Be ready to learn. Ask questions, no one expects you to know everything. Be friendly, but observe workplace culture first.

Understanding your payslip: You will see deductions for Income Tax (PAYE), National Insurance, Pension (if auto-enrolled), Student loan (if applicable). Your take-home pay will be less than your salary. Use a UK salary calculator online to estimate.

 

Step 35: The Student Life (If Applicable)

If you are a student: Attend all classes (attendance is monitored for visa compliance). Use the university support services (international student office, careers service, counselling). Join student societies (there may be a Ghanaian society). Balance study with exploring. Remember: your visa depends on passing your courses.

 

Step 36: The Money Management

Now that you have income (or living costs), you need a budget.

Basic budget structure:

• Rent: 30-40% of income
• Bills: 10-15%
• Food: 10-15%
• Transport: 5-10%
• Savings/remittances: 10-20%
• Fun: 5-10%

Sending money home: Compare Wise, WorldRemit, Sendwave, ACE. Check exchange rates (they change daily). Send smaller amounts more often to spread risk. Keep records for your own tracking.

Building credit: Get a mobile phone contract (pay monthly). Get a credit card (use it, pay it off in full each month). Register on electoral roll (if eligible). Pay all bills on time. Good credit helps you get mortgages, better phone deals, and some jobs later.

 

Step 37: The Healthcare

You are registered with a GP. Now: NHS number, you will get one eventually. Dentist, find an NHS dentist (hard, but try). Optician, free eye tests if you are on certain benefits or low income. Prescriptions, £9.90 per item (or get a prepayment certificate if you need many).

A&E and 111: If it is an emergency, go to A&E (Accident and Emergency). If it is urgent but not emergency, call 111 for advice.

 

Step 38: The Transport

Learn your local transport: Bus, tap contactless or buy a bus pass. Train, get a railcard if you are under 30 or travel regularly (saves 1/3 on fares). Tube (London), Oyster or contactless, daily caps mean you never pay too much. Cycling, many cities have bike hire schemes. Google Maps and Citymapper are your friends.

 

Step 39: The Long-Term Plan

You are settled. Now what?

Path to settlement (Indefinite Leave to Remain), under current rules: Track your time in the UK from day one. Keep records of all travel in and out. Maintain continuous residence (do not be outside UK for too long). Meet English requirement (if not already met). Pass Life in the UK test (after 12 months in UK, before settlement).

Under current rules (which apply to everyone now, though changes have been proposed as discussed in Step 9): Most work and family routes require applying for ILR after 5 years.

If proposed changes take effect in the future, they may only apply to people who apply after the implementation date. Always check GOV.UK for the rules that apply to you.

Citizenship: After ILR, wait 12 months. Apply for British citizenship. Attend citizenship ceremony. Get British passport.

 

Step 40: The Reality Check (One Year In)

You have been here a year. How do you feel?

Some things you might notice:

• Ghana feels both closer and further away
• You have changed in ways you did not expect
• Some relationships at home have changed
• You have new friends, new routines, new life
• You miss things you never thought you would miss
• You have adapted to things that once felt impossible

This is normal. This is the immigrant experience. You might stay forever. You might go back one day. You might not know yet. That is okay.

 

Step 41: The Ongoing Administration

Every few years, you will need to renew your visa (unless you have already got ILR).

Keep:

• Copies of all documents
• Passports (old and new)
• Tenancy agreements
• Employment letters
• Payslips
• Bank statements
• P60s (end of year tax summaries)

Store them digitally (Google Drive, email them to yourself) AND physically.

 

Step 42: The Giving Back

Many Ghanaians in the UK eventually start thinking about how to help those coming behind them.

Ways to give back:

• Mentor a new arrival
• Send money home wisely (invest in family, not just consumption)
• Share information (join Facebook groups and answer questions accurately)
• Support Ghanaian businesses in the UK
• Consider how your skills could help Ghana eventually

 

A Final Word

You made it. You read through 42 steps. That alone tells me you are serious.

Moving from Ghana to the United Kingdom is one of the hardest things you will ever do. It is also one of the most rewarding. You will cry. You will laugh. You will miss home until your chest hurts, and then you will find a piece of home in the most unexpected places, a Ghanaian shop that sells Kenkey, a church service in Twi, a fellow Ghanaian on the bus who becomes a friend.

The rules will keep changing. The UK government will keep making things harder. But Ghanaians have been moving to the UK for generations, and we will keep finding ways.

This guide is accurate as of February 2026, based on the latest government announcements. But always, ALWAYS check the official GOV.UK website for the most current requirements before you apply.

If you have questions, ask in Ghanaian UK Facebook groups. Join the communities. Reach out.

And when you finally land, when you are standing in that airport with your luggage and your dreams, take a moment. Feel proud. You did it.

Now go build your life. Safe journey, and welcome home.

 

Sources

• UK Visas and Immigration (GOV.UK)
• Home Office Immigration Rules, Statement of Changes HC 217 (November 2025)
• Ghanaian European Centre (GEC) (information on pilot projects and general guidance)
• NHS England, International Recruitment
• Office for National Statistics, Migration statistics
• UKVI Register of Licensed Sponsors
• British Council, English language requirements
• Commonwealth Scholarship Commission
• Chevening Scholarships
• UK Parliament, Immigration and Social Security Co-ordination (EU Withdrawal) Act 2020 (and subsequent amendments)
• Home Office, “Earned Settlement” policy paper (November 2025)
• Ghanaian Community UK Facebook groups (anecdotal community insights)
• SpareRoom.co.uk (rental data 2025/26)
• Wise,
  WorldRemit,
  Sendwave
  (money transfer comparisons)

 

All money transfer services must be licensed by the Bank of Ghana.