rmac, if you go with Kraken as an Exchange you could lower these fees as low as 0.15%. With GDAX, if you are the market maker (in plain english, if you place a limit order) you could even get to 0%.
The withdrawal fees on Kraken and GDAX are very low if you use a cheap fare coin like LTC (0.0001 LTC) or Ripple (0.0001 XRP). So with GDAX, you'd only be looking at the transfer fees. You can use GDAX.com if you have a Coinbase account, Kraken needs a separate registration.
@mnemonic19 thanks good to know, but the issue is exchanging fiat to crypto back to fiat on top of that. I've exhausted my options at this point, seems the only way that crypto disrupts the remittance industry is widespread adoption of a stable coin with a killer dapp, possibly like sika which still isn't live until fall. For now, there's not much people can do with digital money in Ghana yet, but interest is uniquely very high https://news.bitcoin.com/ghana-interested-bitcoin/