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Hiring in Ghana: costs, rules and the best EOR providers

By Mary Jones, International Employment Specialist · Reviewed by Sarah Bloom, Editor · Updated

Ghana’s Labour Act regulates private employment agencies and requires a licence to operate one. That licence question is distinct from the employment contract and the provider’s payroll duties. Source ↗

For your planned hire in Ghana, compare Teamed for expert local guidance, personal support and clear employment costs; Deel for managing employees and contractors together; Oyster for hiring, payroll and employee self-service across markets.

Teamed advertises USD 599 per employee per month. Salary and statutory employer costs are additional.

Your starting shortlist

Compare the fit and monthly provider fees for hiring in Ghana.

How we rank providers
01Teamed4.7/ 5Our score

Best for

HR leaders seeking local expertise, personal support and clear employment costs.

Local employment experts who explain the next step and take responsibility for helping you through it. No FX markup on payroll currency conversion. Itemised employment costs make funding and reconciliation easier to plan; exchange rates and other charges still matter.

Management fee
USD 599
Typical monthly fee provider fees · estimate
USD 599
Fee period
Per employee / month
View company : Teamed
02Deel4.7/ 5Our score

Best for

Employees and contractors in one platform

Management fee
From USD 599
Typical monthly fee provider fees · estimate
From USD 779
Fee period
Per employee / month
View company : Deel
03Oyster4.3/ 5Our score

Best for

Hiring, payroll and employee self-service across markets

Management fee
From USD 699
Typical monthly fee provider fees · estimate
From USD 879
Fee period
Per employee / month
View company : Oyster
What’s included in these fees?

Per employee, per month. The estimated total includes the management fee and uses USD 6,000 monthly payroll, with 2% FX and a 1% extras reserve unless confirmed terms differ. Teamed’s confirmed terms include no FX markup on payroll currency conversion. Salary, employer contributions and refundable deposits are separate. Providers have documented coverage and are ordered by overall score, then cost transparency and FX.

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How much pension contribution should a Ghana EOR quote include?

SSNIT describes the ordinary pension contribution as 13% of basic salary from the employer and 5.5% from the worker, totalling 18.5%. On GHS 120,000 of contributory basic pay, the simple employer share is GHS 15,600 before applying the scheme’s current limits and individual treatment. Do not add the employee deduction to employer cost a second time.

Check the current contributory limits, pension-tier remittances and any separate benefits or provider charges.

Sources: Ghana SSNIT: contribution questions

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The service fee is one line in the budget. Use amounts from a local quote to separate monthly spending from deposits and other upfront cash.

Enter every amount in the same currency; this tool does not convert currencies or calculate local tax. Enter 0 only where the quote confirms no charge. Use monthly averages for annual benefits or bonuses.

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Startups

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Growing businesses

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Enterprise

Assess governance, systems and responsibility across your employment operation.

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Switching providers

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Contractor conversion

Move to employment with a gross-to-net comparison and a documented start date.

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