Ghana Mobile Money Charges
MTN, AT, Telecel - including all government levies. Updated July 2026.
How much does it cost to send money via mobile money in Ghana?
In Ghana, mobile money fees vary by operator (MTN, AT, Telecel) and amount band. Use the calculator below for the exact cost in GHS, including government levies. Typical fees range from flat unit amounts to a percentage of the transfer; withdrawals usually add a separate charge.
Compare MTN, AT, Telecel fees in Ghana
| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
MTNMTN | ₵0.75 | ₵1.00 | None | ₵0.75 |
ATATCheapest | Free | ₵1.00 | None | Free |
TELTelecelCheapest | Free | ₵1.00 | None | Free |
Which mobile money providers work in Ghana?
MTN MoMo
Ghana · GHS
Send money fees
| Free tier | Free |
| ₵0.01-₵1,000 | 0.75% |
| ₵1,000.01+ | ₵7.5 |
Withdrawal fees
| ₵1-₵49.99 | ₵0.5 |
| ₵50-₵1,999.99 | 1% |
| ₵2,000+ | ₵20 |
AT Money
Ghana · GHS
Send money fees
| Free tier | Free |
| ₵100.01-₵1,000 | 0.75% |
| ₵1,000.01+ | ₵7.5 |
Withdrawal fees
| ₵0.01-₵50 | ₵0.5 |
| ₵50.01-₵1,999.99 | 1% |
| ₵2,000+ | ₵20 |
Telecel Cash
Ghana · GHS
Send money fees
| Free tier | Free |
Withdrawal fees
| ₵0.01-₵50 | ₵0.5 |
| ₵50.01-₵1,999.99 | 1% |
| ₵2,000+ | ₵20 |
GHS exchange rates
Livevs GHS (Ghanaian Cedi)
Government Levies & Taxes
E-Levy (abolished)
Levy abolishedThe 1% Electronic Transfer Levy was abolished on 2 April 2025 by President Mahama. No government levy currently applies to mobile money transactions in Ghana.
Abolished 2025-04-02
Fee data last verified July 2026. Always confirm with your provider before large transactions.
📰 0.75% wallet-to-bank fee: SUSPENDED — MoMo-to-bank transfers remain free today. See the live tracker (dated status + timeline) →
What you pay today
In Ghana, receiving money is free. Sending between wallets is free up to ₵100, then about 0.75%, capped at ₵7.50 above ₵1,000. Cashing out is free under ₵50, about 1%, capped at a flat ₵20 above ₵2,000. Wallet-to-bank is free today (the proposed 0.75% is suspended), and the government e-levy was repealed in April 2025.
| Operation | What you pay | |
|---|---|---|
| Send (P2P) | Free ≤₵100, ~0.75%, flat ₵7.50 >₵1,000 | Detail → |
| Cash-out | Free <₵50, ~1%, flat ₵20 ≥₵2,000 | Detail → |
| To bank | Free (0.75% suspended) | Detail → |
| E-levy (tax) | ₵0 - repealed April 2025 | Detail → |
Cash-out follows the same grid at all three operators - MTN MoMo, Telecel Cash and AT Money - so the choice is about agent density, not the fee. Telecel Cash stands out for free same-network sends. And thanks to national interoperability, you can send between all three networks with just the phone number.
Receiving from abroad? The Ghanaian diaspora mostly sends to MoMo wallets via transfer apps. Receiving into the wallet is free; the only cost is cash-out. Receive money in Ghana → · USD → GHS rate →
Ghana MoMo charges & guides
MoMo USSD codes & how-to
Every verified code (MTN *170#, Telecel & AT *110#) plus each task step-by-step.
Withdrawal (cash-out) cost by amount
The exact cost for the 8 common amounts, with the band-by-band consolidation tip.
Merchant / MoMoPay
More Ghana money tools
Sending money to Ghana?
Compare the services that deliver to Ghana - neutral verdict, no-affiliate, with the real recipient-side costs.