Top Mobile Money Services in Ghana for Fast and Safe Transactions 2025

Mobile money services have transformed the financial landscape in Ghana, offering millions of people quick, safe, and affordable ways to send, receive, and manage money without visiting a bank. Whether you're paying bills, sending funds to family, or receiving business payments, mobile money is now the go-to solution for secure transactions.

But with so many platforms available, which ones truly deliver the fastest, safest, and most reliable experience?

In this article, you'll discover the top mobile money services in Ghana for 2025, including what makes them stand out, how they work, and why they're trusted by millions of users across the country. From major telecom providers to fintech platforms, we’ll walk you through everything you need to know to choose the right mobile money service for your daily transactions.

MTN Mobile Money (MoMo)

MTN Mobile Money, popularly known as MoMo, is the most widely used mobile money service in Ghana. Operated by MTN Ghana, MoMo has set the benchmark for convenience, reach, and financial inclusion.

Why MTN MoMo Stands Out

• Massive User Base: With over 15 million subscribers, MoMo dominates the mobile money landscape.

• Wide Agent Network: Thousands of agents are available in both urban and rural areas for easy cash-in and cash-out.

• Multiple Services: Beyond sending and receiving money, users can pay utility bills, buy airtime, pay school fees, and even invest or access loans.

• Secure Transactions: MTN uses multi-layer security including PIN authentication and SMS confirmations.

• Merchant Payments: Businesses can register as MoMo merchants to receive customer payments instantly.

MTN MoMo Charges

While most peer-to-peer transfers under GHS100 are free, other transactions may attract a fee ranging from 0.5% to 1.5%, depending on the amount and type of service.

Vodafone Cash

Vodafone Cash has grown steadily to become one of the most trusted mobile money platforms in Ghana. It's especially popular for its user-friendly interface and affordable transfer rates.

Key Features of Vodafone Cash

• Zero Charges on Vodafone-to-Vodafone Transfers: Unlike other platforms, Vodafone Cash allows users to send money to other Vodafone Cash wallets for free.

• Fast Registration: You can activate Vodafone Cash in minutes via USSD or the Vodafone app.

• Bank Integration: Easily link your account to major Ghanaian banks for seamless deposits and withdrawals.

• Bill Payments & Airtime Purchases: Use Vodafone Cash to pay DSTV bills, ECG, and purchase airtime or data at a discount.

Vodafone Cash Charges

Vodafone Cash boasts one of the lowest fee structures, especially for intra-network transactions. It’s also exempt from the E-Levy for transactions below GHS100.

AirtelTigo Money

AirtelTigo Money is the result of a merger between Airtel Money and Tigo Cash. It offers a strong presence in several regions and is known for its flexible offerings.

Benefits of Using AirtelTigo Money

• Affordable Transfers: Fees are competitive, making it an ideal choice for budget-conscious users.

• Promotional Bonuses: Frequent promotions give users cash-back rewards and airtime bonuses.

• Bank Transfers: AirtelTigo Money allows users to send and receive funds directly from supported bank accounts.

• Bulk Payments: Businesses can process salaries and payments to multiple recipients at once.

AirtelTigo Money is ideal for users looking for value-for-money and business-friendly services.

Zeepay Mobile Money

Zeepay is a licensed fintech that focuses on remittances and mobile money aggregation. It has gained popularity for its cross-border mobile money solutions.

What Makes Zeepay Unique

• Remittance Integration: Receive money from abroad directly into your mobile wallet.

• Multiple Wallet Access: Zeepay allows interoperability with other wallets like MTN MoMo and Vodafone Cash.

• Licensed by Bank of Ghana: Operates under strict regulatory standards, ensuring user safety.

• Zeepay App: Offers a smooth mobile experience for transfers, bill payments, and airtime purchases.

Zeepay is ideal for Ghanaians who receive money from abroad and want to convert it directly into usable mobile funds.

G-Money by GCB Bank

G-Money is a mobile wallet introduced by Ghana Commercial Bank (GCB) to extend banking services to underserved populations.

Features of G-Money

• Open to All Networks: Unlike telecom-based wallets, G-Money can be used by any mobile network subscriber.

• Agent Network: Access through GCB branches and registered agents nationwide.

• Full Banking Integration: Link with GCB bank accounts for deeper financial control.

• No Hidden Charges: Transparent fee structure with no surprise deductions.

G-Money is a great alternative for users who want bank-backed mobile money services.

EziPay Ghana

EziPay is a global fintech company that provides cross-border wallet services in Ghana and other African countries. It’s known for helping Ghanaians receive money from the diaspora with minimal delays.

What EziPay Offers

• International Remittances: Receive funds from platforms like MoneyGram, Western Union, and mobile money partners.

• Multi-Currency Support: Useful for users dealing with USD, GBP, or Euro transactions.

• App-Based Transactions: Everything is done securely via the EziPay mobile app.

• Business Integration: SMEs can collect payments from international customers.

EziPay is best suited for users who engage in cross-border business or receive remittances regularly.

ExpressPay

ExpressPay is both a mobile money aggregator and a payment gateway. Though not a wallet itself, it allows users to transact across multiple platforms.

Why ExpressPay is Valuable

• Multi-Wallet Support: Use it to send and receive money across MTN, Vodafone, and AirtelTigo.

• Instant Bank Transfers: Link and transact with all major banks in Ghana.

• Bill Payments and Airtime: Covers all major utility bills and top-up services.

• Secure Transactions: PCI-DSS compliant for top-notch security.

ExpressPay is perfect for users looking for a centralized platform to manage various mobile money wallets.

Slydepay by DreamOval

Slydepay is a digital payment solution developed by DreamOval, tailored for businesses and tech-savvy users.

Key Features of Slydepay

• E-commerce Integration: Accept payments directly on websites and mobile apps.

• Utility Bill Payments: Pay ECG, DSTV, and more with one tap.

• Event Tickets & Fundraisers: Useful for churches, schools, and event organizers.

• Link to Visa/Mastercard: Add bank cards to expand your payment options.

Slydepay suits users who run online businesses or frequently transact via digital platforms.

Comparative Summary Table of Mobile Money Services in Ghana 2025

How to Choose the Best Mobile Money Service in Ghana

Choosing the right mobile money service depends on several factors:

1. Your Network Provider: Start with a service supported by your mobile network for ease of access.

2. Transaction Fees: Compare costs for transfers, cash-outs, and other services.

3. Service Availability: Check for agent locations and app reliability.

4. Extra Features: Some platforms offer loans, savings, or international transfers.

5. Security Measures: Ensure the platform uses PINs, biometric login, or encryption.

6. User Reviews: Feedback from other users gives insight into reliability and support.

Frequently Asked Questions (FAQs)

1. Which mobile money service is most popular in Ghana?

MTN Mobile Money (MoMo) is the most widely used service, with over 15 million users nationwide.

2. Can I use mobile money without a bank account?

Yes. Most mobile money services operate independently of banks, though you can link them if needed.

3. Is mobile money safe in Ghana?

Yes. Mobile money services use encryption, PINs, and regulatory oversight to protect users.

4. Are there mobile money services for people living abroad?

Yes. Zeepay and EziPay are designed specifically to receive remittances from abroad.

5. What is the cheapest mobile money service in Ghana?

Vodafone Cash is often considered the most affordable, especially for intra-network transactions.

6. Can I use multiple mobile money wallets?

Yes. Many users operate more than one wallet, and platforms like ExpressPay support multiple services.

7. Are mobile money services affected by the E-Levy?

Yes, but transactions under GHS100 daily are exempt. Each provider’s implementation may vary.

8. Can I receive my salary via mobile money?

Absolutely. Many employers now pay salaries through MTN MoMo, AirtelTigo Money, or G-Money.

9. How do I register for mobile money?

Dial the registration USSD code of your service provider or visit a nearby agent with valid ID.

10. What should I do if I send money to the wrong number?

Immediately contact the customer service of your mobile money provider. Some services allow transaction reversals if reported early.

Final Thoughts

Mobile money is no longer a luxury in Ghana — it’s a necessity. Whether you're sending money to loved ones, running a business, or receiving international remittances, there's a mobile money service tailored for your needs.

From the well-established giants like MTN MoMo and Vodafone Cash to the specialized platforms like Zeepay and EziPay, you now have plenty of safe, fast, and reliable options in 2025.

Before choosing a provider, consider your transaction habits, budget, and whether you need features like remittances or merchant payments. The right mobile money platform will save you time, money, and stress — while keeping your finances at your fingertips.