> ## Content Index > Fetch the complete content index at: https://chale.tech/llms.txt > Use this file to discover other available public pages before exploring further. # Mobile money charges in Ghana: what you pay and what is free - URL: https://chale.tech/momo-charges-in-ghana/ - Published: 2026-10-19T19:00:00.000Z - Updated: 2026-10-19T19:00:00.000Z - Description: Cash-in is free, the E-Levy is gone, and MTN’s cash-out fees are 1% for most amounts. Here is what MoMo users pay in 2026, what the MoMo-to-bank fee row was about, and how to avoid overcharging. - Author: Isaac Nana Yaw Annor - Tags: Fintech & MoMo, Mobile money Mobile money fees in Ghana have changed several times in the last two years: the E-Levy was scrapped, cash-out fees were revised, and a proposed MoMo-to-bank fee was paused. Here is where things stand, based on MTN’s own published fees and news reports. ## All MTN MoMo fees at a glance | Transaction | What you pay | Notes | | --------------------------- | ------------------------------------------- | -------------------------------------------- | | Deposit (cash-in) | **Free** | Report anyone who asks you to pay | | Cash-out below GH₵50 | GH₵0.50 | MTN published fee | | Cash-out GH₵50 to GH₵2,000 | 1% | MTN published fee | | Cash-out GH₵2,000 and above | GH₵20 flat | MTN published fee | | Send MoMo to MoMo | Service fee shown on screen | Read the confirmation screen before your PIN | | MoMo to bank | 0.75% capped at GH₵5 announced, then paused | Bank of Ghana pause, 26 May 2026 | | E-Levy | **None** | Repealed; stopped applying 2 April 2025 | | Check transaction status | **Free** | | ## What is free - **Depositing (cash-in):** MTN says depositing money into your own MoMo wallet is completely free. If anyone asks you to pay to deposit, report them. - **Registering for MoMo:** MTN says registration is free at every touch point. - **Checking a transaction’s status:** MTN’s Check Transaction Status service is free. ## The E-Levy is gone MTN says the 1% E-Levy on electronic transfers stopped applying from **2 April 2025**, after Parliament cancelled the law. You do not need to do anything. MTN also says any wrong E-Levy charges from that date are refunded within 7 days. Regular MoMo service fees still apply. ## MTN cash-out fees These are MTN’s published fees for withdrawing cash at an agent: | Amount withdrawn | Fee | | -------------------- | ---------- | | Below GH₵50 | GH₵0.50 | | GH₵50 to GH₵1,000 | 1% | | GH₵1,000 to GH₵2,000 | 1% | | GH₵2,000 and above | GH₵20 flat | For example, withdrawing GH₵300 costs GH₵3, and withdrawing GH₵5,000 costs a flat GH₵20. **Agent asking for more?** MTN says to take the agent’s number or ID and report them at a service centre or by calling 100\. Agents should not charge you more than the published fee. ## Sending money MoMo-to-MoMo transfers carry a service fee. MTN does not publish a simple table of send fees on its help centre, and third-party fee lists we checked disagree with each other, so we are not printing figures here. The amount you will pay is shown on the confirmation screen before you enter your PIN: always read it. ## MoMo to bank charges On 25 May 2026, MTN told customers by SMS that MoMo-to-bank transfers would cost 0.75% per transaction, capped at GH₵5, from 1 June 2026\. The next day, the Bank of Ghana directed MTN’s mobile money company to pause the fee for wider consultation, according to news reports. Check MTN’s current terms before relying on either. | Transfer to bank | Fee if the 0.75% applied | | ---------------- | ------------------------ | | GH₵200 | GH₵1.50 | | GH₵500 | GH₵3.75 | | GH₵667 and above | GH₵5 (cap) | The full story, and why some people wrongly called it the E-Levy: [MTN’s 0.75% MoMo-to-bank fee explained](https://chale.tech/mtn-momo-075-fee-timeline/) and [is the E-Levy back? (no)](https://chale.tech/is-e-levy-back-in-ghana/). To move money between MoMo and your bank: [how to link your bank account to MoMo](https://chale.tech/link-bank-account-to-momo/). ## How to pay less - **Pay merchants directly** instead of cashing out to pay in cash. - **Cash out larger amounts less often** if you can; above GH₵2,000 the fee is flat. - **Check the fee on the confirmation screen** before entering your PIN. - **Report agents who overcharge.** Telecel Cash and AT Money publish their own fees; Telecel’s terms say its fees are published on the Telecel Cash website and at its outlets. *This guide was checked in October 2026\. Menus and services change, so if something looks different on your phone, check with your provider.* ## Common questions ### Is there still an E-Levy on MoMo? No. MTN says the 1% E-Levy stopped applying from 2 April 2025, after Parliament repealed it. ### How much does it cost to cash out GH₵500 on MTN MoMo? MTN’s cash-out fee for GH₵50 to GH₵1,000 is 1%, so GH₵5 on GH₵500. ### Do I pay to deposit money into my MoMo wallet? No. MTN says deposits are completely free, and you should report anyone who asks you to pay. ### Is there a fee for MoMo to bank transfers? MTN announced a 0.75% fee capped at GH₵5 from June 2026, but the Bank of Ghana directed it to pause the fee on 26 May 2026\. Check MTN’s current terms before you transfer. ## Sources - [MTN Ghana help centre: What are the new cash-out fees?](https://help-center.mtn.com.gh/hc/en-us/articles/17409333034130?ref=chale.tech) - [MTN Ghana help centre: What are the new fees for cash-out transactions above GH₵50?](https://help-center.mtn.com.gh/hc/en-us/articles/17409350875026?ref=chale.tech) - [MTN Ghana help centre: How much do I pay for depositing funds into a MoMo wallet?](https://help-center.mtn.com.gh/hc/en-us/articles/36641907253778?ref=chale.tech) - [MTN Ghana help centre: E-Levy removed, here’s what it means for you](https://help-center.mtn.com.gh/hc/en-us/articles/25821708837522?ref=chale.tech) - [MTN Ghana help centre: What do I do if an agent is asking for more than the stipulated charges?](https://help-center.mtn.com.gh/hc/en-us/articles/17409488196882?ref=chale.tech) - [MTN Ghana help centre: How does the Check Transaction Status option work?](https://help-center.mtn.com.gh/hc/en-us/articles/8521894708242?ref=chale.tech) - [Graphic Online: MTN MoMo to bank transfers will attract charges from June 1, 2026](https://www.graphic.com.gh/business/business-news/mtn-momo-to-bank-transfers-will-attract-charges-from-june-1-2026.html?ref=chale.tech) - [TechLabari: Ghana’s MoMo fee controversy, what you need to know (May 2026)](https://techlabari.com/ghanas-momo-fee-controversy-what-you-need-to-know/?ref=chale.tech) - [Telecel Ghana Help & Support: Telecel Cash Services Terms & Conditions](https://telecel.com.gh/help?ref=chale.tech)