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🇬🇭 Withdraw ₵100 in Ghana: fees by provider

Withdrawing ₵100 in Ghana costs the same ₵1.00 at every provider — a regulated/matched tariff, so the choice comes down to the recipient's network and agent availability, not price.

Cheapest to withdraw ₵100
₵1.00· MTN
The cost of withdrawing ₵100

A hundred cedis is everyday money — a market run, a tank of fuel, a quick bill — and one of the most-searched cash-out amounts.

Because this is such a common amount, it is also a favourite of overcharging agents — know the exact fee before you hand over your phone.

A ₵100 withdrawal is in the 1% band (₵50 to ₵2,000): the fee is 1% of the amount, so GH₵1 here. This is the band where cost scales with the amount withdrawn.

The key point: at ₵2,000 that percentage stops and the fee becomes a flat GH₵20 cap. So ₵1,999 costs GH₵19.99 but ₵2,001 costs only GH₵20. If your withdrawal is near ₵2,000, aiming just above can be smart.

On MTN MoMo, you cash out at an agent; check your balance first via *170# → 6 (My Wallet).

Compare all providers for ₵100

ProviderFeeLevyTotal
MTNMTNCheapest
₵1.00None₵1.00
ATATCheapest
₵1.00None₵1.00
TELTelecelCheapest
₵1.00None₵1.00

Indicative verified fees; any applicable government levy is included in the total.

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Frequently Asked Questions

How much does it cost to withdraw ₵100 in Ghana?
₵1.00 at every provider compared here — a matched tariff at this amount.
Which provider is cheapest to withdraw ₵100?
None is cheaper: all charge ₵1.00 at this amount. Choose by the recipient's network and agent availability.
Is withdrawing ₵100 free in Ghana?
No — no provider is free at this amount; the cheapest is ₵1.00.
Is there a tax on withdrawing ₵100 in Ghana?
No government tax applies to this withdrawal in Ghana; you pay only the provider fee shown in the table.
How much does it cost to withdraw ₵100?
1% of the amount, i.e. GH₵1. Your MTN MoMo wallet is debited GH₵101 in total.
What happens at ₵2,000?
The fee switches from 1% to a flat GH₵20 cap. Above that, withdrawing more does not cost more.
Can the agent charge extra for ₵100?
No. The GH₵1 is deducted from your balance; any cash surcharge is prohibited.