GHS black market rate on Jul 21, 2026: 12.1 per USD
On Tuesday, July 21, 2026, the US dollar traded at about 12.1 GHS on Ghana's parallel (black) market at the close of observations. The day opened at 12.06 GHS, reached a high of 12.11 and a low of 12.05, a trading range of 0.06 GHS (0.54%).
Across 288 observations, the average price to buy dollars was 12.09 GHS and the average price received when selling dollars was 12.12 GHS. Over the session the Ghanaian Cedi weakened against the dollar (+0.33% from open to close).
Official rate vs black market rate on Jul 21, 2026
The official exchange rate published for Ghana on this date was 11.6 GHS per USD. The parallel-market close of 12.1 GHS therefore implied a premium of +4.35% over the official rate — a moderate gap consistent with limited but functioning official access to foreign exchange.
How Jul 21, 2026 compares
Compared with the previous observed day (Jul 20, 2026, close 12.06 GHS), the rate moved +0.33%.
One week earlier (Jul 14, 2026) the close was 12.02 GHS, so the weekly change was +0.71%.
Thirty days earlier (Jun 21, 2026) the close was 12.15 GHS, a -0.41% move over the month.
How this daily figure is produced
ETCurrency samples Ghana's USD/GHS parallel market throughout the day from peer-to-peer stablecoin order books and, where available, community submissions. Each sample is filtered for outliers and aggregated into a single buy and sell quote; the figures above are the first, highest, lowest and last of those aggregated quotes for Jul 21, 2026 (UTC).
USDT peer-to-peer prices closely track cash dollar prices in most parallel markets but are not identical to them: payment-method fees, merchant margins and local demand for stablecoins can all add a few tenths of a percent.
Frequently asked questions
- What was the dollar to Ghanaian Cedi black market rate on Jul 21, 2026?
- The USD to GHS parallel market rate closed at approximately 12.1 GHS per US dollar on Tuesday, July 21, 2026, after trading between 12.05 and 12.11 GHS.
- How much did the GHS move against the dollar that day?
- From an open of 12.06 to a close of 12.1 GHS, the parallel rate moved +0.33% on Jul 21, 2026.
- What was the gap between the official and black market GHS rate on that date?
- The official rate was 11.6 GHS per USD versus a parallel close of 12.1 GHS, a premium of +4.35%.
- Was the GHS black market rate higher or lower than the day before?
- Higher: the previous observed close was 12.06 GHS on Jul 20, 2026, a change of +0.33%.
Figures are aggregated parallel-market observations for Ghana in UTC and are indicative only; they are not a quote to trade. See the full USD → Ghanaian Cedi history or today's live rate.