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Send Money from Ghana to Nigeria via MTN MoMo

MTN MoMo Ghana → MTN MoMo PSB Nigeria

How much does it cost to send money from Ghana to Nigeria in 2026?

Via MTN MoMo, expect about 4% in fees, plus the ₦50 EMT levy above ₦10,000. The recipient gets NGN. Because GHS and NGN both go through the US dollar, the real cost also includes each currency's spread to USD — see the USD-anchored rates below, not just the fee.

Today's rate
Updated 19 Jul 2026, 03:00 UTC
1 GHS = 118.540 NGN

Why the Ghana–Nigeria route matters

Nigeria–Ghana is West Africa's busiest bilateral route — hundreds of millions of dollars a year in cocoa, refined fuel, manufactured goods and re-exports move under ECOWAS, alongside one of the continent's largest mutual migrant communities (Nigerians in Accra, Ghanaians in Lagos) and constant family remittances.

Both currencies vs the US dollar
GHS official
1 USD = 11.57 GHS
NGN official
1 USD = 1,380.14 NGN
₵100 = ₦11,929
1 GHS = 119 NGN · derived from the two USD legs
Interbank rate updated 19 Jul 03:00 UTC (less than 1h ago) · interbank mid-market
Why it costs more than the fee: GHS and NGN both price through the US dollar — there is no deep direct GHS/NGN market. So the route's true cost includes each currency's spread to USD: you can lose a little on BOTH conversions, not just on the visible transfer fee. Compare the USD-anchored rates above, not only the headline fee.

Nigeria's NGN on the parallel market

P2P updated 16h ago

Nigeria's NGN trades at roughly a 1.8% premium on the parallel market — at the street rate your NGN is worth less against the dollar than the official rate above suggests, so the real route cost can be higher. See the Nigeria parallel rate →

P2P signal: last median 18 Jul 2026, 11:00 (16h ago) — may be slightly delayed. Premium % is the last known value; the quote still tracks the live official rate.

Rates & fees in this route
USD → GHS rateUSD → NGN rateGhana feesNigeria fees
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How much are you sending?

GHS
Enter an amount above to see fees and what your recipient gets

Rate updated: 19 Jul 2026, 03:00 UTC · Indicative rate

MTN MoMo fee
4% of amount sent
Paid by sender · + ₦50 EMT levy on inbound transfers ≥ ₦10,000
Fee examples (GHS → NGN)
Send (GHS)Fee (GHS)Recipient ~ (NGN)
1004 (4%)11,380
50020 (4%)56,899
1,00040 (4%)113,798
2,00080 (4%)227,597

How to send from Ghana to Nigeria

  1. Open the MTN MoMo Ghana app → menu "MoMo App or *170#".
  2. Or dial *170# → Transfer → International.
  3. Select Nigeria, enter the recipient's mobile number.
  4. Enter the amount in GHS. Confirm with your PIN.
  5. Instant settlement — the recipient gets an SMS and NGN in their wallet.
📌 ₦50 EMT levy: CBN charges ₦50 on inbound transfers ≥ ₦10,000. This levy is deducted from the recipient's wallet automatically.
Key fact: Ghana MoMo users pay 4% to send to Nigeria. Recipient gets NGN in their MoMo PSB wallet with NO fees — except ₦50 EMT levy on transfers ≥₦10,000.
Sending from Nigeria to Ghana?1 GHS = 118.48 NGN

Frequently Asked Questions

What is the fee for sending money from Ghana to Nigeria via MTN MoMo?+
MTN MoMo charges 4% of the amount sent. The recipient pays nothing except the ₦50 EMT levy on inbound transfers ≥ ₦10,000.
What wallet tier do I need to send money internationally from Nigeria?+
Tier 2 or Tier 3 only. Tier 1 wallets are restricted. Link your BVN to upgrade.
How do I send money from Ghana to Nigeria on MoMo PSB?+
Open the MoMo app → "MoMo App or *170#" → select Nigeria → enter recipient phone → confirm. Or dial *170# and follow prompts.
What are the daily limits for international transfers on MoMo PSB?+
Daily limits depend on the KYC tier of the sending wallet operator — check with your provider.
How long does it take for money to arrive?+
Transfers are instant — the recipient gets an SMS as soon as the transaction completes.