In 2025, Estonia introduced favorable migration policies for students from African nations, including Ghana. This move, combined with a growing number of Ghanaian students studying in Tallinn and Tartu, has significantly increased the need for transparent and affordable EUR to GHS (Ghanaian Cedi) remittance tools.

However, with exchange rate volatility and high bank fees, families are searching for smarter ways to send money for tuition and other academic expenses. In this article, we explore how Panda Remit makes international education funding more affordable and secure.

The EUR-GHS Challenge: Fluctuating Rates & Hidden Fees

As of mid-2025, the EUR to GHS exchange rate has fluctuated between 12.5 and 13.2, which could mean a difference of up to 70 GHS per 1,000 EUR sent, depending on timing.

Traditional banks don’t just charge high fees—often €20–€40 per transfer—but also apply less favorable conversion rates, eating into funds meant for education. Moreover, most banks don’t allow users to check real-time rates or choose their preferred conversion time.

Why Panda Remit is the Smarter Choice for Students

Panda Remit is designed specifically for personal remittance users, with features that make it ideal for students and parents funding education abroad:

Real-Time Rate Checking

With Panda Remit’s app, users can view live EUR to GHS rates, ensuring that transfers happen at the most favorable times.

Zero Fees for Your First Transfer

Unlike banks, Panda Remit offers no fees for first-time users, and subsequent transactions remain more cost-effective.

App-Based Transfers Only

Everything—from checking exchange rates to sending funds—is done in-app, making the experience fast, mobile, and hassle-free.

Full-Progress Tracking & Top-Tier Security

Users enjoy real-time transfer tracking and bank-grade encryption, ensuring peace of mind with every transfer.

Conclusion: Smart Transfers = Savings on Tuition

If you need to convert euros from Estonia to Ghanaian cedis for tuition or education-related expenses, Panda Remit is your safest, fastest, and most cost-effective option.

Register with Panda Remit today and enjoy your first transfer with zero fees!