At Tourispot Ghana, we believe that moving to Ghana is more than just a change of location—it’s an exciting journey filled with opportunities to experience our vibrant culture, breathtaking landscapes, and welcoming communities.
Whether you’re an expat seeking new adventures or a returnee reconnecting with your roots, this guide will help you transition smoothly into life in Ghana.
Step 1: Research and Planning
Moving to a new country is an exciting yet challenging decision. Before making the move, it is essential to conduct thorough research to ensure a smooth transition. Ghana has a unique blend of modernity and tradition, and understanding its way of life beforehand will help you adjust more easily.
Key Areas to Research:
- Cost of Living: Prices for rent, groceries, and utilities can vary significantly by region. Accra is generally more expensive than other parts of the country.
- Climate: Ghana has a tropical climate, meaning high humidity and warm temperatures year-round. The northern regions tend to be drier, while coastal areas experience more rainfall.
- Healthcare: There are both public and private healthcare facilities, but the quality of service may differ. Private hospitals like Nyaho Medical Centre and Lister Hospital are recommended for better care.
- Education: If you have children, research international schools and the quality of local education.
- Job Market & Business Opportunities: Depending on your skills, you may want to explore job openings in Ghana or consider starting a business. The country has a growing tech and entrepreneurial scene.
- Culture & Social Norms: Ghanaians are friendly and welcoming, but cultural differences can take some adjusting to. Learning basic Twi phrases and etiquette will go a long way.
Where to Gather Information:
- Expat communities on Facebook, Reddit, and InterNations
- Travel blogs and vlogs about living in Ghana
- Government websites for visa and permit requirements
- Ghanaian news websites for local updates
Real-Life Example: Alice, a British expat, moved to Ghana after extensive research on housing and job opportunities. She joined online communities like Expats in Ghana, where she connected with other foreigners who shared their experiences and provided tips on what to expect. Her research helped her avoid common pitfalls, such as underestimating the cost of imported goods. She also spent time watching YouTube videos from other expats, which helped her prepare for the cultural differences and daily life in Accra.
Step 2: Secure the Necessary Documents
To Once you’ve done your research and decided to move, the next step is to ensure you have the proper documentation. Ghana has clear immigration laws, and securing the right permits before arrival will save you time and stress.
Types of Required Documents:
- Passport and Visa:
- All travelers to Ghana require a valid passport with at least six months of validity.
- Depending on your nationality, you may need a visa before arrival. Tourist visas are usually issued for 30-90 days, while business and work visas require additional paperwork.
- Some nationalities (such as ECOWAS citizens) do not require visas for entry.
- Residence Permit:
- If you plan to stay in Ghana long-term, you’ll need a residence permit. This can be obtained through the Ghana Immigration Service (GIS) once you secure employment, start a business, or have family ties in the country.
- Employers typically help with work permits for foreign employees.
- Dual Citizenship for Returnees:
- If you are of Ghanaian descent but hold a foreign passport, you may be eligible for dual citizenship.
- This status grants you the ability to work, own land, and conduct business without needing additional permits.
- The process involves an application through Ghana’s Ministry of Interior, providing proof of Ghanaian heritage, and attending an oath-taking ceremony.
- Work or Business Permits:
- If you are moving for work, your employer should facilitate your work permit.
- Entrepreneurs need a business permit and registration through Ghana’s Registrar General’s Department.
- Foreigners starting a business are required to invest a minimum capital amount, depending on the industry.
Where and How to Apply:
- Ghanaian embassies and consulates handle visa applications.
- The Ghana Immigration Service (GIS) is the main body responsible for residence permits and work permits.
- The Registrar General’s Department facilitates business registrations for foreigners and locals alike.
- Dual citizenship applications go through the Ministry of Interior.
Processing Time and Costs:
- Visa processing times can take anywhere from a few days to a few weeks, depending on your country of origin.
- Residence and work permits take longer, sometimes up to several months, so it’s best to start early.
- Fees vary, so checking the latest rates on official government websites is advisable.
Real-Life Example: Kwame, a returnee from the U.S., was eager to settle in Ghana but encountered delays in processing his dual citizenship. Initially, he underestimated the paperwork required and had to make multiple trips to the Ghana Immigration Service office. After seeking legal advice from an immigration lawyer, he was able to navigate the process more efficiently. Within six months, he secured his dual citizenship, which allowed him to buy land and start his business without restrictions.
Another example is Sophie, an American teacher who moved to Ghana for a teaching job. Her school assisted her with her work permit, but she still had to visit the immigration office for biometric registration. Though the process was lengthy, planning ahead ensured she had no issues continuing her stay.
Step 3: Finding Accommodation
Once you’ve secured your paperwork, the next major step is finding a place to live. Your choice of accommodation will depend on factors like budget, location, lifestyle, and work proximity.
Types of Housing Available:
- Apartments: Ideal for singles or couples, with furnished and unfurnished options.
- Houses: Great for families or those seeking more space and privacy.
- Shared Housing: A cost-effective option for expats who want to split rent with others.
- Serviced Apartments: Best for short-term stays, offering security, utilities, and housekeeping.
Best Areas to Live in Ghana:
- Accra: Prime locations include East Legon, Cantonments, and Airport Residential Area, offering modern amenities but at a higher cost.
- Kumasi: More affordable than Accra, with areas like Ahodwo and Ridge being popular among professionals.
- Takoradi & Cape Coast: Great for those who prefer a coastal lifestyle with lower living costs.
Where to Find Rentals:
- Real Estate Websites: Meqasa.com, Tonaton.com
- Facebook Groups: Expats in Ghana, Ghana Housing and Rentals
- Local Agents: Often the fastest way to find available listings, but be cautious of scams.
Costs and Rental Process:
- Rental costs vary, with a one-bedroom apartment in Accra ranging from $300–$1,500 per month or even more.
- Landlords often require one or two years’ rent upfront, though some now accept monthly payments.
- Expect to negotiate rental terms, and always inspect the property before making payments.
Real-Life Example: Sarah, a Canadian expat, struggled to find affordable accommodation in Accra until she hired a trusted real estate agent. Though she initially considered Airbnb, she eventually secured a one-bedroom apartment in Labone with a six-month advance payment, avoiding the usual one-year upfront requirement.
Step 4: Understanding the Cost of Living
Ghana’s cost of living varies depending on location and lifestyle. While it is more affordable than many Western countries, prices for rent, utilities, groceries, and healthcare can add up. We recommend having a financial cushion for unexpected expenses.
Breakdown of Major Expenses:
- Housing: Rental costs are highest in Accra, while smaller towns and cities offer more affordable options.
- Utilities: Electricity bills can be high, especially if you rely on air conditioning. Water and internet services vary in cost.
- Groceries: Imported goods are expensive, while shopping at local markets offers significant savings.
- Transportation: Public transport is cheap, but owning a car comes with fuel and maintenance costs.
- Healthcare: Private hospitals offer better services but come at a higher cost; health insurance is recommended.
Ways to Save Money:
- Shop at local markets like Makola, Kaneshie, and Agbogbloshie instead of supermarkets.
- Use public transport (trotros) or ride-sharing services like Bolt for affordability.
- Opt for solar energy solutions to cut down on electricity bills.
- Negotiate rent and explore co-living options to reduce housing expenses.
Real-Life Example: Mike, an American entrepreneur, was surprised by the high cost of imported groceries. He quickly adapted by shopping at local markets, where he found fresh produce at much lower prices. By switching to local brands and adjusting his shopping habits, he reduced his monthly grocery bill by nearly 40%.
Step 5: Employment and Business Opportunities
Moving to Ghana presents a mix of employment prospects and business opportunities for expats and returnees. Whether you plan to work for a company, start a business, or continue remote work, understanding Ghana’s job market and business environment is crucial.
Employment Opportunities
Ghana’s economy is expanding, with key sectors offering job opportunities, including:
- Technology & IT: The tech sector is growing, with startups and established firms seeking developers, data analysts, and IT consultants.
- Finance & Banking: Accra is a financial hub with openings in banking, insurance, and investment firms.
- Healthcare: Hospitals and clinics seek skilled medical professionals, including doctors, nurses, and pharmacists.
- Education: Many international schools and universities hire foreign teachers and lecturers.
- NGOs & Development Work: Various international organizations operate in Ghana, offering roles in community development, environmental sustainability, and human rights.
Expats often find opportunities through networking, LinkedIn, and recruitment agencies. It’s advisable to secure a job before moving, as competition for well-paying positions can be high.
Starting a Business in Ghana
For returnees and entrepreneurial expats, Ghana offers a welcoming environment for business ventures. Popular industries include:
- Agriculture & Agribusiness: Ghana’s fertile land and rising food demand make farming and food processing profitable.
- Tourism & Hospitality: The tourism industry is thriving, with opportunities in eco-tourism, hotels, and tour companies.
- E-commerce & Retail: Online businesses and delivery services are growing due to increasing internet penetration.
- Real Estate & Construction: The housing market is expanding, with demand for affordable and luxury homes.
Challenges to Consider
- Business Registration: The process can be bureaucratic; it’s best to hire a local consultant or lawyer.
- Capital & Financing: Access to business loans can be challenging, so having startup capital is beneficial.
- Market Competition: Conduct market research before launching your business to identify demand and competition.
Real-Life Example: Jake, an IT professional from Germany, secured a remote job before moving to Ghana, providing him financial stability while exploring local business opportunities. After settling in, he launched an IT consultancy firm in Accra, helping small businesses with website development and digital marketing. By networking with local entrepreneurs, he quickly gained clients and expanded his services.
Step 6: Healthcare and Insurance
Access to quality healthcare is essential when moving to Ghana. The country has both public and private healthcare systems, but the quality of service varies significantly. As an expat or returnee, it’s crucial to understand the available options, plan for medical expenses, and secure reliable health insurance.
Public vs. Private Healthcare
- Public Hospitals & Clinics: The Ghana Health Service operates public healthcare facilities across the country. While these hospitals are affordable, they often face issues such as overcrowding, limited resources, and long wait times. Some well-known public hospitals include:
- Korle-Bu Teaching Hospital (Accra) – the largest public hospital in Ghana
- Komfo Anokye Teaching Hospital (Kumasi) – a major referral hospital in the Ashanti Region
- Ridge Hospital (Greater Accra Regional Hospital) – offers relatively better services than other public facilities
- Private Hospitals & Clinics: These facilities provide higher-quality medical care, shorter wait times, and access to modern equipment. However, private healthcare is more expensive than public hospitals. Some reputable private hospitals include:
- Nyaho Medical Centre (Accra) – Known for international standards of care
- Lister Hospital (Accra) – Offers advanced diagnostic services and specialized care
- Akai House Clinic (Accra) – Preferred by many expats for outpatient services
Health Insurance Options
Ghana has a national health insurance scheme (NHIS), but it primarily covers public hospitals and basic services. Many expats and returnees opt for private or international health insurance for better coverage.
- National Health Insurance Scheme (NHIS): Affordable and accessible but limited in coverage. Some private hospitals do not accept NHIS.
- Private Health Insurance: Offered by companies such as Enterprise Life and Hollard Insurance, providing better coverage at private hospitals.
- International Health Insurance: Expats who travel frequently or require premium healthcare services can choose providers like Cigna, Allianz, or Bupa.
Pharmacies and Medication Access
- Many pharmacies in Ghana stock a wide range of medications, but some imported prescriptions can be expensive. It’s advisable to bring essential medications with you.
- Popular pharmacy chains include Ernest Chemists, Mina Pharmacy, and Lakeside Pharmacy.
- Always check if your medication is available locally and whether you need a prescription.
Emergency Medical Services
Emergency response services are available but can be unreliable in some areas. It’s best to have a backup plan:
- Dial 112 for national emergency services, but response times can vary.
- Many expats rely on private ambulance services such as Nyaho Medical Centre’s ambulance service or Lister Hospital’s emergency care unit.
- Some expats choose to have a personal contact at a trusted hospital for quick access to medical help.
Real-Life Example: Linda, a Nigerian-British returnee, moved to Ghana with her two children. Before relocating, she enrolled in an international health insurance plan that covered treatment at private hospitals. Within a few months of arrival, her youngest child developed a high fever. Instead of waiting in long lines at a public hospital, she immediately took him to Nyaho Medical Centre, where he received prompt treatment. Her insurance plan covered most of the costs, and she was relieved to have prioritized healthcare planning before the move.
Step 7: Education Options for Families
If you’re moving to Ghana with children, one of your top concerns will be finding a suitable school. Ghana has a mix of public and private schools, but most expats and returnees opt for international schools due to their globally recognized curricula, high standards, and diverse student populations.
Top International Schools in Ghana
Many international schools are located in Accra, but there are also quality options in other major cities. Some of the most reputable institutions include:
- Lincoln Community School (Accra) – Offers the International Baccalaureate (IB) curriculum and has students from over 50 nationalities.
- Ghana International School (Accra) – One of the most prestigious schools, following the British system and catering to expats and affluent locals.
- Roman Ridge School (Accra) – A well-respected institution offering a British-based curriculum.
- Tema International School (Tema) – Located outside Accra, it is known for its strong academic performance and extracurricular activities.
- Soul Clinic International School (Accra) – A private school blending Ghanaian and British curricula.
- SOS-Hermann Gmeiner International College (Tema) – Focuses on the IB curriculum and has a strong academic reputation.
- American International School (Accra) – Follows the American system, ideal for families planning to transition back to the U.S.
Enrollment Process & Requirements
Most international schools have competitive admission processes. Here’s what to expect:
- Application Form & Fees – Schools require you to fill out an online or physical application form and pay an application fee.
- Entrance Exam & Interview – Many schools require children to take an entrance exam in subjects like English and Math. Parents may also be interviewed to assess their expectations and commitment to the school’s community.
- Previous School Records – Report cards, transcripts, and recommendation letters from your child’s former school are usually required.
- Vaccination & Medical Records – Schools may request proof of vaccinations and a medical examination before admission.
- Payment of Fees & Confirmation – Once accepted, you will need to pay admission fees to secure your child’s place.
Costs of International Schools in Ghana
Tuition fees for international schools in Ghana vary widely depending on the institution. Below is a general estimate:
- Kindergarten & Primary: $3,000 – $10,000 per year
- Secondary School: $5,000 – $20,000 per year
- IB & A-Level Programs: $10,000 – $30,000 per year
Additional costs may include registration fees, uniforms, extracurricular activities, and transportation. Some schools offer payment plans, while others require full upfront payment.
Real-Life Example: Tina, a returnee from Canada, moved to Ghana with her two children. She wanted them to continue their British curriculum education, so she applied early to Ghana International School (GIS). Since GIS has a waiting list for certain grade levels, she made sure to submit all required documents and pay the application fees well in advance.
However, she underestimated how quickly spots fill up and had to explore other options. Luckily, she found a place for her younger child at Roman Ridge School, while her older child joined an online international school temporarily before securing a spot at GIS the following year.
Her experience highlights the importance of early applications and having a backup plan when selecting a school in Ghana.
At Tourispot Ghana, we’re here to help you make the most of your journey. Welcome to Ghana—your new home awaits!