Send money from Ghana to Nigeria - MoMo to OPay, PalmPay and bank
Sending from Ghana to Nigeria is a real retail corridor. You pay in cedis (GHS) from MTN MoMo Ghana or a bank account; the recipient gets nairas (NGN) on an OPay/PalmPay/MoMo PSB Nigeria wallet, or a bank account via NIP. Here are the verified operators that actually do Ghana → Nigeria today, and what each really costs.
Verified Ghana → Nigeria operators (June 2026)
Here are the four channels that actually accept a send from Ghana to Nigeria today. All cross-checked against their live Ghana-origin availability.
| Provider | Rail | Cost | Speed |
|---|---|---|---|
| Sendwave | MTN MoMo → OPay / PalmPay / MoMo PSB / bank account | Free send fee on most amounts; spread embedded in GHS/NGN rate | Minutes |
| LemFi | Card or MoMo → Nigerian bank or OPay/PalmPay wallet | Free transfer fee; competitive FX spread | Minutes to hours |
| Wise | GHS bank or card → NGN bank (NIP) | Transparent fee + mid-market FX with small markup | Same day |
| Bank wire (GCB, Stanbic, Ecobank Ghana) | Ghana bank → SWIFT → Nigerian bank | Higher fee (GHS 40-150 + correspondent fees) | 1-3 business days |
The Ghana → Nigeria corridor context
Ghana and Nigeria form one of the most active intra-African corridors: trade, students, crossed diasporas, supplier payments. Annual retail value between the two countries runs into hundreds of millions of dollars. But it is also a corridor where traditional operator infrastructure stayed expensive for a long time - which is why Sendwave and LemFi grew so fast over a few years.
The arrival of OPay, PalmPay and MTN MoMo Payment Service Bank on the Nigerian side transformed the receive end. Before 2023, an inbound remittance typically landed on a Nigerian bank account (USD or NGN) then had to be moved manually to a wallet. Today, those three wallets receive directly, within minutes, from Sendwave/LemFi/Wise. See our article on the MTN MoMo PSB Thunes expansion.
The GHS/NGN rate today
The GHS/NGN interbank rate moves daily. All operators in the table above start from the same mid-market then add their spread. To check your rate before sending, compare the mid-market to the value the app shows you: if the gap exceeds 4-5%, look elsewhere.
Practical: how to pay a Nigerian on OPay from your Ghana MoMo
The most direct path in 2026: (1) download Sendwave or LemFi on your Ghana phone, (2) link your MTN MoMo Ghana number as source, (3) enter the recipient's OPay phone number (the same Nigerian number is the wallet identifier), (4) enter the amount in GHS or NGN, the app shows the other side, (5) confirm with your Ghana MoMo PIN. The recipient gets the OPay notification within the minute.
On the Ghana side, the MTN MoMo fee of the transaction is typically a few cedis (the remitter app triggers a standard MoMo transfer). On the Nigeria side, OPay charges nothing on receipt. The real cost sits in the GHS/NGN spread applied by Sendwave/LemFi.