Ghana MoMo transfer charges: what it costs to send money
Sending money from one MoMo wallet to another in Ghana is free up to GH₵100, then costs about 0.75% to GH₵1,000, then a flat fee above that. Receiving is always free; the cost is on the sender.
The send fee bands (live)
Schedule rendered from our verified tariffs. The send fee is separate from the cash-out fee - many people conflate the two.
| Amount band | Send fee |
|---|---|
| GH₵0 - GH₵0 | Free |
| GH₵0 - GH₵1,000 | 0.75% |
| GH₵1,001+ | GH₵7.50 flat |
Examples: GH₵100 → GH₵0.75 · GH₵500 → GH₵3.75 · GH₵1,000 → GH₵7.50 · GH₵2,000 → GH₵7.50.
Same-network, cross-network, and to bank
An MTN-to-MTN send follows the bands above. An MTN-to-Telecel Cash or AT Money send uses national interoperability and costs a similar amount in the higher bands. Wallet-to-bank is a separate case - that is exactly the transfer the suspended 0.75% fee targeted.
Cross-network transfers →MoMo to bank →Wallet-to-bank fee status →
The free tier, explained
The three operators treat the bottom of the scale differently. Telecel Cash makes same-network sending entirely free. MTN MoMo and AT Money give a free tier up to GH₵100 per transaction, then charge about 0.75% above. That tier is per transaction, not per day: several small sends under GH₵100 each stay free.
Above GH₵1,000, the send fee freezes: a flat GH₵7.50 applies, so larger sends get proportionally cheaper. It mirrors cash-out, whose cap kicks in at GH₵2,000.
Receiving is always free
Whatever the network, receiving money into your MoMo wallet costs nothing. The send fee is paid entirely by the sender, and no government e-levy applies since April 2025. Your only possible cost comes later, if you convert the balance to cash at an agent (the cash-out fee).
The cheapest way to send
Three habits cut the cost of a send. First, stay under GH₵100 where you can: each transfer up to that threshold is free on MTN MoMo and AT Money, and all same-network transfers are free on Telecel Cash. Second, if you and your recipient are both on Telecel, sending is free at any amount - often the cheapest option.
Finally, remember that receiving and keeping money on the wallet costs nothing: paying a merchant or settling a bill straight from the wallet avoids the cash-out fee. The cost only appears when you convert to cash. To compare a specific amount across the three operators, use our calculator.