Send Mobile Money to Ghana

How to send mobile money to Ghana

1. 1.Create an account (if you don’t already have one)

   Sign up with your email address and choose a strong password. You can use our app on our website to register. If you already have an account, simply log in.

2. 2.Start using our mobile money service

   Select Ghana, and choose mobile money as your payout method. 

3. 3.Enter your receiver’s details

   Enter your receiver’s details, including first and last name, recipient’s city and mobile money account number.

4. 4.Select send amount

   Enter the amount you want to send.

5. 5.Pay

   You can either pay for your transfer by bank transfer to the WorldRemit account, or by using a debit/credit card for faster delivery.

WorldRemit’s mobile money partners in Ghana

Which mobile money accounts can I send to in Ghana?

You can send to any of the following mobile money accounts:

• MTN Ghana

• AirtelTigo

• Vodafone

Speed: Instant

The mobile money account must be (1) fully registered and (2) active.

Please note: International transfers to MTN business mobile money are no longer permissible.

Our local partner, MTN Ghana, has implemented a change in their processes which means international remittances cannot be credited to mobile business accounts.

Please ensure that you are sending to a personal mobile money account before creating a transfer to an MTN account in Ghana.

How much can I send to mobile money accounts in Ghana?

MTN Ghana

• A maximum of GHS 15,000 per transfer.

Airtel Ghana

• A minimum of GHS 4 per transfer.

• A maximum of GHS 2,000 per transfer.

Tigo Ghana

• A maximum of GHS 4,800 per transfer.

• A maximum of GHS 10,000 per wallet.

• Fees for cash withdrawals of mobile money:

• If the amount is more than GHC 50 - a 1% charge is applied,

• If the amount is less than GCH 50 - a fixed charge of 0.50 pesewas is applied.

Vodafone Ghana

• A maximum of GHS 4,800 per transfer.

• A maximum of GHS 10,000 per wallet.

What information do I need from my recipient to send to mobile money accounts in Ghana?

• Full name. Please enter your recipient’s full name. To avoid any delays, the recipient’s name should match the name registered on their mobile money account.

• Address. We need your recipient’s city.

• Mobile money account number:

  • Fully registered and active MTN Ghana or Airtel Ghana Mobile Money, Vodafone Ghana or Tigo Ghana Mobile Money accounts only.

  • Length: 9 digits in total (excluding country code). MTN Ghana numbers generally begin with 24, 54 and 55. Airtel Ghana numbers generally begin with 26 or 56.

• Contact mobile number. We ask for a contact number in case we need to provide any important updates. This can be different from the mobile money account number.

Please ensure that all your recipient’s details are correct. Once you make your transfer, it is difficult for us to amend or stop the transfer, although we will always try our best to do so.

What fees does my recipient pay in Ghana?

WorldRemit does not charge your recipient any additional fees for the Mobile Money transfer.

However, some local operators may charge them a fee when they withdraw funds as cash. This depends on the mobile operator’s policy and is not determined by WorldRemit.

Does the E-Levy of 1.5% apply to my international remittances?

WorldRemit does not charge your recipient any additional tax for mobile money transfers or any other payout method.

The Ghanaian government introduced a 1.5% tax E-Levy on electronic money transfers on 1 May 2022 made within Ghana , however, the E-levy does not apply to international money transfers. It only applies to electronic transfers made within Ghana.

This means that when you send money using WorldRemit to bank accounts or mobile wallets in Ghana, you will NOT be charged a 1.5% tax. Your recipient will also not pay the E-Levy when they withdraw your transfer from their bank in cash, or cash out at a local agent.

For the latest information about the E-Levy check the official FAQ from the Ghana Revenue Authority.

What are my recipient’s options?

Since the Ghanaian government’s E-levy only applies to mobile money and bank transfers made within Ghana, your recipient can still send to those payout options or they may choose to send money for cash pickup. We have over 2,000 cash pickup locations in Ghana and sending through this payout method will not incur the tax.

Why send mobile money to Ghana with WorldRemit?

We offer a wide coverage

We partner with many mobile networks in Ghana.

We're fast

Your bank transfer will usually be credited in minutes.

We’re low cost and transparent

As soon as you send money, you’ll see our low fees are always shown upfront and nothing is hidden.

We're secure

You can always be sure your money and data are safe with us.

We're there for you

we offer around-the-clock customer support. Our multilingual customer care team is on hand 24/7, 365 days a year to help with your questions.