AT Money Charges in Ghana
🇬🇭 GHS (₵) · Including all taxes
AT Money is one of the leading mobile money services in Ghana, serving millions of users. Sending carries no operator fee up to ₵100, then banded fees apply above. Use the fee tables below to see all charges including government taxes.
See Airtel Money in every country →How much does AT Money charge in Ghana in 2026?
On AT Money in Ghana, receiving is free. Sending money is free up to ₵100, then ₵100.01–₵1,000 costs 0.75%, up to ₵7.5 on larger amounts. Cashing out costs ₵0.5 up to ₵50, up to ₵20 on larger amounts. No state tax stacks on top. Tariffs verified against the operator source (June 2026).
AT Money Send Money Fee Tiers in Ghana
| Range | Fee |
|---|---|
| Free | Free Free — Airtel to Airtel transfers up to GHS 100 |
| ₵100.01 - ₵1,000 | 0.75% 0.75% — to other networks |
| ₵1,000.01+ | ₵7.5 Flat GHS 7.50 above GHS 1,000 |
AT Money Withdrawal (Cash-Out) Fee Tiers in Ghana
| Range | Fee |
|---|---|
| ₵0.01 - ₵50 | ₵0.5 GHS 0.50 flat |
| ₵50.01 - ₵1,999.99 | 1% 1% of amount |
| ₵2,000+ | ₵20 Flat GHS 20 above GHS 2,000 |
Ghana Mobile Money 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.
MoMo to Bank & Bank to MoMo: Transfer Fees
How much does a MoMo to bank transfer cost in Ghana?
Free for accounts linked to your Ghana Card. The proposed 0.75% fee (capped GH₵5) was suspended before it began — see the status note below.
Free for accounts linked to your Ghana Card. The proposed 0.75% fee (capped GH₵5) was suspended before it began — see the status note below.
Free when your bank account is linked to the wallet, on the GhIPSS Instant Pay (GIP) rail. A non-linked or bank-side charge is set per bank — check with yours.
Re-verified 3 July 2026: the 0.75% MoMo-to-bank fee (cap GH₵5) that MTN announced on 25 May 2026 for a 1 June start is SUSPENDED and never took effect — the Bank of Ghana directed Mobile Money Fintech Ltd to pause it on 26 May 2026, pending stakeholder consultation. It has not been reinstated and no consultation outcome has been published. So as of now, wallet-to-bank is not subject to the 0.75% fee.
Worked example: Moving GH₵500 from your MoMo wallet to a linked bank account costs GH₵0 today. Had the 0.75% fee gone live it would have cost GH₵3.75 (0.75% of GH₵500, under the GH₵5 cap) — but the Bank of Ghana suspended it.
Source: Bank of Ghana directive, 26 May 2026 (Graphic Online; GBC; MyJoyOnline; TechCabal); linked-account free transfers per Asetena Pa (Apr 2025); E-Levy repealed 2 Apr 2025
AT Money channels: app, USSD and agent
You can manage AT Money in three ways. By USSD, dial *110# to open the menu (balance, send, cash-out, PIN change) — no internet needed, so it works on any phone. Through the AT Money app, you get the same operations in a graphical interface. And at an authorised agent, you deposit or withdraw cash. Fees are identical on every channel: the operator's schedule applies, not a per-channel surcharge.
AT Money is the new name of the operator formerly known as AirtelTigo Money.
The cash-out consolidation tip
AT Money cash-out is free under GH₵50, about 1% after, then capped at a flat GH₵20 above GH₵2,000. Because that cap never moves, withdrawing GH₵5,000 costs the same GH₵20 as GH₵2,001, and so does GH₵10,000. If you must take out a large sum, one big withdrawal above GH₵2,000 beats several small ones.
Sending to another network
Thanks to national interoperability, you can send from AT Money to MTN MoMo, Telecel Cash or AT Money with just the recipient's number. The cross-network send fee closely tracks the same-network schedule, especially above GH₵1,000, and the recipient always receives for free.
Compare, agents and popular amounts
All three Ghanaian operators use a near-identical cash-out schedule, so the choice comes down to agent density and your recipient's network. Important: an agent should never charge cash on top of the fee deducted from your wallet — any surcharge is prohibited. Agent charges →
✓ Tariffs verified June 2026, rendered from our database.
AT Money vs Other Providers in Ghana: Fee Comparison
Frequently Asked Questions
How much does AT Money charge to send money in Ghana?
AT Money is free up to GH₵100 per transaction, then about 0.75% to GH₵1,000, then a flat GH₵7.50 above that. Receiving is always free.
What are the AT Money cash-out fees in Ghana?
Cash-out is free under GH₵50, about 1% from GH₵50 to GH₵2,000, then capped at a flat GH₵20 above GH₵2,000. So a GH₵5,000 withdrawal costs the same GH₵20 as a GH₵2,001 one — consolidating large withdrawals saves money.
Is there a government levy on AT Money in Ghana?
No. The 1% government e-levy was repealed on 2 April 2025 and remains repealed. You pay only operator fees (send, cash-out), no state tax.
How do I use AT Money: app or USSD?
Two channels. By USSD, dial *110# for the menu (balance, send, cash-out, PIN), with no internet. Or use the AT Money app for the same in a graphical interface. Fees are identical on either channel.
Can I send from AT Money to another network?
Yes. National interoperability links MTN MoMo, Telecel Cash and AT Money in real time: you just need the recipient's phone number. The cross-network send fee is close to same-network in the higher bands. See our cross-network transfers page.
Is AT Money the cheapest in Ghana?
For cash-out, all three operators use a near-identical schedule, so the choice is mostly about agent density. For same-network sending, Telecel Cash is free. Use the calculator on the Ghana page to compare a specific amount.
How much does a MoMo to bank transfer cost in Ghana?
Free for accounts linked to your Ghana Card. The proposed 0.75% fee (capped GH₵5) was suspended before it began — see the status note below.
What is the bank to MoMo fee in Ghana?
Free when your bank account is linked to the wallet, on the GhIPSS Instant Pay (GIP) rail. A non-linked or bank-side charge is set per bank — check with yours.
Is the 0.75% MoMo to bank fee still active in Ghana?
Re-verified 3 July 2026: the 0.75% MoMo-to-bank fee (cap GH₵5) that MTN announced on 25 May 2026 for a 1 June start is SUSPENDED and never took effect — the Bank of Ghana directed Mobile Money Fintech Ltd to pause it on 26 May 2026, pending stakeholder consultation. It has not been reinstated and no consultation outcome has been published. So as of now, wallet-to-bank is not subject to the 0.75% fee.