Cross-network MoMo in Ghana: sending between MTN, Telecel and AT
In Ghana you can send mobile money across networks - from MTN MoMo to Telecel Cash or AT Money and back - thanks to national interoperability. Here is how it works, what it costs versus same-network, and how to do it on the USSD menu.
Interoperability, simply
Ghana has national mobile money interoperability: the three operators' wallets are linked and settle in real time. You do not need the recipient to be on your network - their phone number is enough to route the transfer to MTN MoMo, Telecel Cash or AT Money.
What it costs
The cross-network send fee closely tracks the same-network schedule, especially above GH₵1,000. As a guide, a GH₵500 send costs about GH₵3.75 and a GH₵2,000 send about GH₵7.50. Always check the exact on-screen fee before confirming.
The cross-network transfer matrix
Under national interoperability (MMI), routing between networks is uniform: whatever the sending and receiving network, the send follows your operator's send schedule, and receiving is free. The table below sums up the nine possible directions.
| From \ To | MTN MoMo | Telecel Cash | AT Money |
|---|---|---|---|
| MTN MoMo | same-network · send schedule | sender's send schedule | sender's send schedule |
| Telecel Cash | sender's send schedule | same-network · free | sender's send schedule |
| AT Money | sender's send schedule | sender's send schedule | same-network · send schedule |
The fees shown are the sending operator's (send) schedule, not an invented per-pair tariff: under MMI, the cost follows your send schedule. Telecel Cash is free for its own same-network transfers. Receiving is always free. Check the exact on-screen fee before confirming.
How to do it, by direction
From MTN MoMo: *170# → 1 (Transfer Money) → the option to another network, then the recipient's number (Telecel or AT) and the amount.
From Telecel Cash or AT Money: *110# (which opens by your SIM) → Send Money → the option to another network, then the recipient's MTN number and the amount. The *110# code is shared by Telecel and AT and resolves by SIM.
What the recipient pays
Nothing on receipt: receiving a cross-network transfer into the wallet is free. The recipient's only cost is if they later convert to cash at an agent - the standard cash-out fee, identical whatever network the money came from.