International money transfer

World Remit for money transfers to Ghana, especially the Mobile Money attached to the various cell phone providers. worldremit.com
For cell phone airtime, it's recharge.com

OK, but it is also working from Ghana to other countries ?

Just a little tongue in cheek humor - what? send money FROM Ghana? That's a concept that is just inconceivable, a one way street. I just can't imagine money going out of Ghana. But, if you must, I don't see why World Remit can't serve your purposes. I've found that their transfer fees are somewhat less than the mainstream services like Western Union and Moneygram. And then, there's always the bank to bank transfer. If you have so much money that you're sending it out of Ghana, then maybe you should have an account at an international bank with a branch in Accra.

And yes, like what everything happens...

Yes I have a local account. But when I see the form to fill out... It is a dreadful heaviness.

As part of my professional mission on Tema, since many things are taken care of by my employer, the amount that is granted as pocket money is relatively substantial... So unless you go every day in some high-end restaurants and attend some establishments providing carnal pleasures, I prefer be able to transfer rather than present at the airport with a brick of bank notes...