What a visitor's money does in Ghana: every guide rated from very cheap to very expensive, cheapest first, then the things that cost travellers money without buying anything — the ATM, the taxi, the SIM.
The cedi has been volatile for years, so change in small amounts and check the rate the day you do it. Forex bureaux in Osu and Airport City beat the banks and beat the airport hall by a wide margin. Mobile money — MTN MoMo — is how the country actually pays for things, and a tourist SIM can be loaded with it.
ATMs
Avoid: standalone machines outside branches, changing money at the airport hall
Use: Stanbic, Absa, Ecobank, GCB — inside a branch or a mall
Mobile money — MTN MoMo — is how Ghana actually pays, and a tourist SIM can be loaded with it. Forex bureaux in Osu beat the banks.
Getting around
A short ride in Accra: GH₵25–60 across town — cheap
From the airport: Accra airport to Osu GH₵60–100
Cheaper and, unlike a street taxi, priced before you agree to it.
Jollof, and do not say it is better in Nigeria. Also waakye for breakfast, banku with tilapia and pepper, and kelewele — fried plantain with ginger and chilli — from a street stall at night. The chop bars are where the food is; the Osu restaurants are where the expats are.
The cost rating is this site's own, for a visitor, from the guides' authors and the corrections readers send in. The general rules — the conversion prompt, shoulder season, the airport taxi — are in budget travel tips.