Ghana MoMo charges: send, cash-out, cross-network and the e-levy
Every Ghana MoMo charge at a glance: sending (P2P), cashing out with its cap, cross-network, wallet-to-bank, and the government e-levy - repealed since April 2025. Here is what you actually pay, with links to each detailed schedule.
Charges by transaction type
Ghanaian mobile money has four fee types to keep apart - conflating them is the source of most confusion.
Sending (P2P): free up to GH₵100, then about 0.75% to GH₵1,000, then a flat fee. Telecel Cash is free same-network. Detail →
Cash-out: free under GH₵50, about 1%, capped at GH₵20 above GH₵2,000 - hence the consolidation tip. Detail →
Wallet to bank: free today (the proposed 0.75% is suspended). Detail →
Cross-network: sending between MTN, Telecel and AT via national interoperability, at a cost close to same-network. Detail →
Cash-out (withdrawal)
| Amount band | Cash-out fee |
|---|---|
| GH₵1 - GH₵49 | GH₵0.50 flat |
| GH₵50 - GH₵1,999 | 1% |
| GH₵2,000+ | GH₵20 flat |
Sending (P2P)
| Amount band | Send fee |
|---|---|
| GH₵0 - GH₵0 | Free |
| GH₵0 - GH₵1,000 | 0.75% |
| GH₵1,001+ | GH₵7.50 flat |
Wallet-to-bank and the e-levy
Wallet-to-bank transfers remain free today - MTN's proposed 0.75% fee was suspended by the Bank of Ghana. And the 1% government e-levy was repealed in April 2025. Two different things, often confused.
Who is cheapest, and where
For cash-out, all three operators - MTN MoMo, Telecel Cash and AT Money - use a near-identical schedule: free under GH₵50, 1% after, flat cap above GH₵2,000. So the choice comes down to agent density and the recipient's network, not the cash-out fee.
For same-network sending, Telecel Cash stands out: it is free, where MTN MoMo and AT Money charge about 0.75% above GH₵100. If you and your recipient are both on Telecel, it is often the cheapest option.
In practice, your recipient's network matters more than yours to the total cost. Receiving is free everywhere, so sending to someone on your own network avoids any cross-network add-on, and the final cost depends mostly on the amount band. For an exact figure on a specific amount, compare the three operators side by side in our calculator.
How the fees changed
Two recent shifts explain the ambient confusion. First, the 1% government e-levy - the state tax that used to sit on top of almost every transfer - was repealed on 2 April 2025. Since then, no government tax weighs on MoMo.
Then, in May 2026, MTN announced a 0.75% operator fee (capped at GH₵5) on wallet-to-bank transfers. The Bank of Ghana suspended it the next day, pending consultation. Many conflated this operator fee with 'the e-levy returning' - they are two different things, and our live tracker documents the status day by day.
Popular amounts
Work out the exact cost of a common amount, rendered live from our verified tariffs: