Send Money from Nigeria to Ghana via MTN MoMo
MTN MoMo PSB Nigeria → MTN MoMo Ghana
How much does it cost to send money from Nigeria to Ghana in 2026?
Via MTN MoMo, expect about 3% in fees. The recipient gets GHS. Because NGN and GHS 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.
Why the Nigeria–Ghana 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.
Nigeria's NGN on the parallel market
Tracks live P2P (via Bybit)Nigeria's NGN trades at roughly a 3.7% 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 →
Parallel signal: Binance P2P USDT median, updated 5 Sept 2026, 15:00 (less than 1h ago). The quote tracks the live official rate between refreshes.
How much are you sending?
Rate updated: 5 Sept 2026, 15:00 UTC · Indicative rate
| Send (NGN) | Fee (NGN) | Recipient ~ (GHS) |
|---|---|---|
| 10,000 | 300 (3%) | 81 |
| 50,000 | 1,500 (3%) | 407 |
| 100,000 | 3,000 (3%) | 815 |
| 200,000 | 6,000 (3%) | 1,630 |
How to send from Nigeria to Ghana
- Open the MoMo PSB app → menu "Transfer to Africa".
- Or dial
*671#→ Transfer → International. - Select Ghana, enter the recipient's mobile number.
- Enter the amount in NGN. Confirm with your PIN.
- Instant settlement — the recipient gets an SMS and GHS in their wallet.