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Hello and thank you for allowing me to assist you.
You will not have any UK tax to look forward to on that money. You will need to get IN WRITING from this person exactly what it is for and from.
If =this is to invest then they should open company first then a bank account
That is why I said you need to get written info from this person
Before they ask for any money on the transfer ,DON'T GIVE ANY
Yes just a letter will be sufficient. They will want ti see that letter you get. Investigated? probably. That is a lot of money and why this person does not just put it in own account is questionable.
So you have not met in person? She is still in Ghana?
No offense, just use caution and do not advance any Ghana tax money for this transfer.
You are most welcome.
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Most people that have your situation come up (and yes there have been many others) also report the person that inherited asking for help paying the taxes in the other country so the money will transfer.
Different question ,so please complete this one (rate) then list as NEW