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Mobile Money Fees in Ghana
MTN, Airtel, Telecel — including all government levies. Updated April 2026.
How much does it cost to send money via mobile money in Ghana?
In Ghana, mobile money fees vary by operator (MTN, Airtel, 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.
3 providersGHSNo levy
₵GHS
Compare Providers
| Provider | Send | Withdraw | Levy | Total |
|---|---|---|---|---|
MTNMTN | ₵0.75 | ₵1.00 | None | ₵0.75 |
AIRAirtelCheapest | Free | ₵1.00 | None | Free |
TELTelecelCheapest | Free | ₵1.00 | None | Free |
Fees shown for ₵100 GHS. Use the calculator above for your exact amount.
Provider Details
MTN
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 |
AIR
Airtel 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 |
TEL
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 |
Exchange Rates
Livevs GHS (Ghanaian Cedi)
Updated Jun 10, 13:26 UTCAll rates →
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.
Rate
1%
Applies to
Send & withdraw
Paid by
Sender
Abolished 2025-04-02
Fee data last verified April 2026. Always confirm with your provider before large transactions.
Frequently Asked Questions
Has the E-Levy really been abolished in Ghana?
Yes, the 1% E-Levy was officially abolished on 2 April 2025 by President Mahama. No government levy currently applies to mobile money transactions in Ghana.
How much does MTN MoMo charge to send money in Ghana?
MTN MoMo charges 0.75% for amounts up to GHS 1,000, and a flat GHS 7.50 above GHS 1,000. Deposits and bill payments are free.
What are the mobile money providers in Ghana?
The main mobile money providers in Ghana are MTN MoMo, Airtel Money, Telecel Cash. Use our calculator above to compare fees across all providers.
Which is the cheapest mobile money provider in Ghana?
The cheapest provider depends on the amount. Use our fee calculator to compare all providers side by side for your specific amount.
How do I avoid paying high mobile money fees in Ghana?
Tips: 1) Compare providers using MomoCalc before sending. 2) Use the provider's app instead of an agent. 3) Send larger amounts less frequently. 4) Know the official fees so agents can't overcharge.