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Receive Money in Ghana

The best apps to send money directly to your mobile money wallet in Ghana. Fees, speed, and operators compared.

Annual inflows
$4.8B
% PIB
6% of GDP
Top sources
United States (30%), United Kingdom, European Union

Supported Mobile Wallets

📱 MTN MoMo📱 Airtel Money📱 Telecel Cash

Apps to send to Ghana

AppFeeSpeedSend from
🌊SendwaveFreeMinutesUK, US, CA, FR, IT
🍋LemFiFreeMinutesUK, US, CA, DE, FR
🌍WorldRemitFlat feeMinutesUK, US, CA, AU, AE
📲TapTap SendFreeMinutesUK, US, CA, AU, AE
💸RemitlyFlat feeMinutes to 3 daysUK, US, CA, AU, AE
💡Wise%1–2 business daysUK, US, CA, AU, AE
💡 Key fact
Ghana abolished its 1% E-Levy on 2 April 2025 — international remittances to mobile wallets are now levy-free.

How receiving works in Ghana

The rail that credits the wallet. In Ghana, money is credited via GhIPSS Instant Pay (GIP), the national instant rail linking MTN MoMo, Telecel Cash and AT Money to each other and to banks. It delivers funds to the mobile wallet in real time after conversion to cedi.

The real cost: moving the funds out. Receiving is free and, since the E-Levy was repealed on 2 April 2025, there is no longer a state tax on transfers. What remains is the cost of cashing out at an agent — free under GH₵50, about 1% after, capped above GH₵2,000; detailed on the Ghana fees page.

Limits and receive flow. Apps like Sendwave and LemFi deliver straight to the MTN MoMo wallet; the per-inbound-transfer cap is around GH₵15,000 and the wallet balance is capped. Keeping the money on the wallet to pay avoids any cash-out fee.

Send from a specific country

🇬🇧United Kingdom→🇺🇸United States→🇪🇺Europe→

Frequently Asked Questions

What apps can I use to send money to Ghana mobile wallets?+
The most popular apps are Sendwave, LemFi, WorldRemit, TapTap Send and Remitly. They deliver directly to MTN MoMo, Airtel Money, Telecel Cash in Ghana, in minutes.
Do I need to pay any fees to receive money on my wallet in Ghana?+
Generally no - recipients do not pay fees on international inbound transfers.
What is the maximum amount I can receive in Ghana?+
MTN MoMo: max GHS 15,000 per inbound transfer. Max wallet GHS 10,000.
How long does it take to receive money from abroad?+
Most apps (Sendwave, LemFi, TapTap Send, WorldRemit) deliver in minutes. Remitly Express is also fast. Remitly Economy and Wise take 1-3 business days.
Is there a government tax on receiving international money in Ghana?+
No government tax applies to international inbound transfers in Ghana as of 2026.
How is the money credited to the wallet in Ghana?+
In Ghana, money is credited via GhIPSS Instant Pay (GIP), the national instant rail linking MTN MoMo, Telecel Cash and AT Money to each other and to banks. It delivers funds to the mobile wallet in real time after conversion to cedi.
How much does it cost to cash out received money in Ghana?+
Receiving is free and, since the E-Levy was repealed on 2 April 2025, there is no longer a state tax on transfers. What remains is the cost of cashing out at an agent — free under GH₵50, about 1% after, capped above GH₵2,000; detailed on the Ghana fees page.
View domestic fees in Ghana →