How can I send money to Ghana?
Send money to Ghana with Taptap Send. No sending fees ever. Choose from MTN Mobile Money, AirtelTigo, Telecel Cash, or send straight to a bank account.
Delivery methods and speed
Find below the options to send money to Ghana along with the most important details for each.
Mobile wallet: MTN Mobile Money, AirtelTigo Money, Telecel Cash, Zeepay
Bank transfer: any bank account in Ghana
| Delivery method | Typical delivery time | Notes |
|---|---|---|
| Mobile wallet (MTN / AirtelTigo / Telecel) | Under 5 minutes | Available 24/7 |
| Bank transfer | Same day or next business day | Transfers sent before 2pm GMT on a business day arrive the same day; sent after 2pm or at weekends, the next business day. May take 2 working days to appear on your recipient's account. |
Fees
Taptap Send always shows you the exact fee and exchange rate upfront, you'll see them on the very first screen before you confirm your transfer. There are no hidden charges.
When sending to Ghana, the following fee structure applies: Ghana is one of our fee-free corridors; there are no sending fees. We make a small margin on the exchange rate, which is always shown clearly before you confirm.
Sending limits
Your overall account sending limits are based on your verification level. Ghana-specific limits per delivery method:
| Delivery method | Sending limit | Notes |
|---|---|---|
| Mobile wallet | Max Transaction limit: GHS 15,000 | Depends on the recipient's wallet status |
| Bank transfer | Maximum transaction limit: GHS 30,000 | Depends on the recipient's banks |
For details on your overall sending limits, see the article What are my sending limits on Taptap Send?
Cancelling a transfer or requesting a refund
If your transfer has already been delivered, recalling the funds can be difficult and take time. It is sometimes easier for you to resolve this directly with the recipient who received your funds. Contact our support team through the app and we will look into what options are available for your transfer. If no options exist, we will let you know.
You can also refer to our global article Can I cancel or get a refund for my transfer?
For your recipient
Does my recipient need to do anything?
Mobile wallet: No action needed. The transfer goes directly to the wallet linked to your recipient's mobile number.
Bank transfer: No action needed. Funds are deposited directly into your recipient's bank account.
What details does my recipient need to provide?
Mobile wallet: The mobile number registered to your recipient's MTN Mobile Money, AirtelTigo Money, or Telecel account.
Bank transfer: Your recipient's full name, bank name, and account number.
How does my recipient cash out?
MTN Mobile Money
Your recipient doesn't necessarily need to cash out — they can use their MTN Mobile Money wallet directly to pay for goods, transport, and household bills.
To cash out at an agent:
- Visit any MTN Mobile Money agent with their phone number and the amount to withdraw
- First time? Activate cash-out first: dial *170# → option 4 (Allow Cash-Out) → confirm with PIN
- If one agent cannot process the withdrawal, it is worth trying another nearby location
To cash out at an ATM:
- Dial *170# → 5 → 1 → 3 → 1, generate a token, enter the amount and PIN
For help, your recipient can contact MTN Customer Service:
- Call: +233 244 300 000
- Text: 100
- Email: customercare.gh@mtn.com
AirtelTigo Money
- Visit any AirtelTigo agent with a valid ID and your account PIN.
- If it doesn't work at one agent, try another.
Telecel Cash
- Visit any Telecel Cash agent, or withdraw via ATM.
- ATM: generate a one-time voucher — it expires in 10 minutes, so be near an ATM before generating it.
Still need help? Contact our support team through the app.