How to Invest in the US Stock Market from Ghana [2025 Guide]

Imagine glancing at your phone and seeing a slice of Apple or Tesla in your hands—all while sitting in Accra or Kumasi.

 In 2025, Ghanaians can invest in the US stock market with just a few taps on their phone. Ambition doesn’t stop at the Atlantic anymore.

Thanks to mobile-friendly platforms and easier funding options, buying shares in companies like Amazon, Microsoft, and Netflix is now both practical and safe—even for first-time investors. You don’t need a finance degree or a fortune. 

This guide walks through every step, simply and clearly, to show how anyone in Ghana can start building global wealth through US stocks.

Why Ghanaians Are Investing in US Stocks

Reason	Key Insights
Familiar Global Brands	Invest in companies like Apple, Tesla, Amazon, Coca-Cola—brands used daily.
Wealth-Building Potential	Small, consistent investments grow over time via compounding.
Dollar-Based Safety	Protects against cedi devaluation and inflation.
Diversification Benefits	Reduces risk by spreading money across global sectors and industries.
Access to Global Growth	Gain from innovation and revenue across multiple continents.

How US Stock Investing Works for Ghanaians in 2025

In 2025, investing in US stocks is easier than ever for Ghanaians. Gone are the days when you needed a cousin in the US or stacks of paperwork.

Today, with just a smartphone and a few minutes, anyone can start buying shares in the world’s biggest companies, without leaving home. Global investing is now simple, safe, and accessible.

Setting Up: Direct Accounts and Fractional Shares

Account Setup Requirements	– Valid ID (Ghana Card or passport)- Proof of address- Selfie for verification✅ Entire process is online and quick
Fractional Investing	– Invest from as little as $5 (or cedi equivalent)- Own partial shares in companies like Apple or Amazon- Earn returns & dividends

Once your account is ready and you’ve added funds, the next big decision is choosing the right platform to invest through. With so many options available today—some based in Ghana, others international—it’s natural to ask:

•  Which platform is best for me?
• Are all of them safe and easy to use
•  What should I look out for before picking one?

What to Consider When Choosing a Brokerage Platform

• Fees: Watch for trading, maintenance, or withdrawal charge
• User experience: Some apps are beginner-friendly, others are more advanced
• Features: Some focus on simplicity, others offer deep research tools

Whether you’re a first-time investor or want more control over your portfolio, there’s a platform that fits. What matters most is starting smart, staying consistent, and choosing tools that match your goals.

Currency, Remittance, and Regulatory Essentials

Investing in US stocks means moving cedis into dollars cleanly and legally. Here’s how Ghanaians handle it:

Aspect	Details
Currency Conversion	– Most apps accept cedis and auto-convert to USD- Fund via bank transfer, card, or mobile money
Remittance Limit	– Legally remit up to $50,000/year under BoG rules- Check for additional platform-specific limits
Compliance (KYC)	– Use real details- Complete ID, address, selfie verification- Fund only from accounts in your name
Tax & Records	– No immediate taxes for most users- Still keep all records (statements, proof of funding, platform reports)
Avoiding Issues	– Stick to legal remittance channels- Don’t use peer-to-peer shortcuts- Stay updated on AML and remittance rules

Step-by-Step Guide: Buying US Stocks from Ghana

With the right guidance, you can buy Apple, Tesla, or broad-market funds from your phone or laptop. Here’s a clear, practical walkthrough of every step, made for first-time Ghanaian investors looking to tap into the world’s biggest companies.

Step	What to Do	Key Details
1. Pick a Trusted Broker	Choose a secure and licensed platform.	Look for brokers regulated by SEC, FCA, FSCA, etc. Ensure strong encryption, 2FA, transparent fees, and local customer support.
2. Open & Verify Your Account	Sign up and complete identity verification.	Needed: Ghana Card or Passport, proof of address, possibly a selfie. KYC/AML required. Verification time: 1–2 days.
3. Fund Your Account (in USD)	Convert cedis to dollars and fund your account.	Use bank transfers, cards, or mobile money. Watch for conversion and transfer fees. Use your own account for deposits.
4. Decide What to Buy	Choose between individual stocks or ETFs.	Stocks = higher potential, more risk. ETFs = diversified and safer. Fractional shares let you start with as little as $5.
5. Place Your Trade	Search, review, and buy stocks/ETFs via the broker’s app.	Choose market or limit order. Confirm trade. Track your portfolio as markets move.

✅ Pro tip: Start with fractional shares or ETFs, fund with trusted methods, and always review fees before confirming trades.

How to Sell Your Stocks and Withdraw Your Money as a Ghanaian Investor

When your investment goals shift or it’s time to enjoy the rewards of your portfolio, selling your stocks and moving your money from the US stock market back to Ghana can be a smooth process—if you follow the right steps. 

Here’s everything a Ghanaian investor needs to know in 2025 to sell US stocks and bring the money home.

 Selling Your US Stocks: What Works in 2025

You don’t need any fancy tools. Just a smartphone, internet access, and your broker’s app or website.

1. Log in to your brokerage account
   Use the same app or platform where you purchased your shares.
   
2. Access your portfolio
   Locate the stock, ETF, or fund you want to sell.
   
3. Initiate the sale
   
   • Choose how much to sell — all or a portion (even fractional shares).
     
   • Decide on the order type:
     
     • Market order: Sells immediately at the best available price.
       
     • Limit order: Sets a price floor—you only sell if the market meets it.
       
4. Review and confirm
   Double-check the sale amount, expected proceeds, and any fees.
   
5. Submit your order
   Once confirmed, your broker will notify you when the sale is completed.
   

Good to know:
Most brokers in 2025 still offer commission-free sales for US stocks and ETFs, but it’s smart to double-check for hidden fees—especially if you’re using an international or less-known platform.

 What Happens After the Sale?

• Proceeds appear as cash in your brokerage account, often within seconds.
  
• However, official settlement can take up to 2 business days.
  
• Once settled, you’ll see the funds as “available for withdrawal.”
  

Withdrawing Money from Your US Brokerage Account

Now that your cash is ready, here’s how to move it:

Step	Action	Key Info
1. Go to Withdrawals	Open your broker’s app or website and find the “Withdraw” or “Transfer” section.	Usually under your account or wallet settings.
2. Choose Withdrawal Method	Options: Bank Wire (fast but higher fees) or Fintechs like Payoneer, Chipper Cash.	Avoid checks; EFTs are slower and need a US-linked account.
3. Input Bank Info	Use a USD account at a Ghanaian bank (e.g., Ecobank, Zenith) or a supported fintech partner.	Make sure the account is in your name.
4. Confirm & Submit	Review everything and complete. Your broker may ask for ID verification.	Processing takes 1–3 working days depending on method.

Note: Most brokers have daily or weekly withdrawal limits. If you need to withdraw a large sum, plan in advance.

 Top 3 FAQs for Ghanaian Investors

1. How much do I need to start?
   As little as $5–$10. Fractional shares let you invest in top US companies with small amounts.
   
2. Can I withdraw my profits to Ghana?
   Yes. Sell your stocks, wait for cash to settle, and withdraw via wire transfer or fintech. Always use your own account.
   
3. Do I need to pay taxes?
   Yes. Ghana charges 10% on capital gains, and the US takes 15% on dividends. Keep records and declare earnings during tax season.

Ready to Grow your Wealth Globally?

Investing in US stocks from Ghana isn’t just about chasing profits—it’s about opening up your financial world and building long-term stability. What once felt out of reach is now in your pocket. With each small step—buying a fraction of a share, reinvesting dividends, and staying informed—you’re laying the foundation for real growth.

That’s where The Global Hustlr comes in. As your trusted guide to global investing, we help you cut through the noise and avoid costly mistakes. By subscribing, you’ll gain access to:

•  Clear, actionable guides on how to invest successfully
• Insights to build and grow a portfolio across the U.S., UK, Europe, and beyond
•  Updates on game-changing shifts in technology, economies, and industries
• Tips to avoid costly missteps and protect your wealth from market volatility

Ready to take your investment game to the next level?
Subscribe to The Global Hustlr and start building your global portfolio today.