MTN MoMo Charges Calculator Ghana 2026 (Telecel & AT)
Calculate official MTN Mobile Money (MoMo), Telecel Cash, and AT Money transfer fees, agent cash-out charges, and E-Levy compliance in Ghanaian Cedis (GHS).
MTN MoMo Charges Calculator Ghana
Methodology
Mobile money tariffs in Ghana are published by licensed Payment Service Providers (MTN MoMo, Telecel Cash, and AT Money) regulated by the Bank of Ghana (BoG). MTN charges graduated fees: 0.50 GHS up to 50 GHS, and 0.75% (capped at 7.50 GHS for on-net) or 1.0% (capped at 10.00 GHS for cross-network/interoperability). Telecel Cash provides free transfers to all networks. Cash withdrawals at mobile money agents cost 1% (capped at 10.00 GHS). Under the Electronic Transfer Levy (E-Levy) Act, electronic transfers exceeding cumulative GHS 100 per day incur a 1% levy, while cash-outs are 100% exempt from E-Levy.
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User-provided inputs
This calculator uses only the values you enter. It does not automatically apply tax law, statutory deductions, lender fees, or live exchange rates.
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Formula basis
The formula is shown openly and no country rate is inserted automatically.
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Your estimate
AfricalHub is an independent private platform not affiliated with any government agency. Calculations are for educational planning only. Verify official filings with the relevant revenue authority or a qualified professional.
2026 Ghana Mobile Money Tariff Comparison Table
| Transaction Bracket (GHS) | MTN MoMo On-Net (GHS) | MTN Interoperability (GHS) | Telecel Cash Transfers | Agent Cash-Out (All) |
|---|---|---|---|---|
| 1 – 50 GHS | 0.50 GHS | 0.50 GHS | Free (0 GHS) | 0.50 GHS |
| 50.01 – 100 GHS | 0.75% (Max 7.50) | 1.0% (Max 10.00) | Free (0 GHS) | 1.0% (GHS 1.00) |
| 101 – 500 GHS | 0.75% + E-Levy | 1.0% + E-Levy | 0 GHS + E-Levy | 1.0% (Exempt from E-Levy) |
| 500.01 – 1,000 GHS | 0.75% + E-Levy | 1.0% + E-Levy | 0 GHS + E-Levy | 1.0% (Exempt from E-Levy) |
| Above 1,000 GHS | Capped 7.50 + E-Levy | Capped 10.00 + E-Levy | 0 GHS + E-Levy | Capped 10.00 GHS |
Sources
User-provided inputs
This calculator uses only the values you enter. It does not automatically apply tax law, statutory deductions, lender fees, or live exchange rates.
Frequently asked questions
How much does MTN charge to send money on MoMo in Ghana?
For same-network transfers: GHS 1–50 costs 0.50 GHS; GHS 50.01–1,000 costs 0.75% (maximum GHS 7.50); and transfers above GHS 1,000 are capped at GHS 7.50. For transfers to other networks or bank accounts, the fee is 1% capped at GHS 10.00.
What are the cash-out agent fees for MTN MoMo in Ghana?
Withdrawing cash at an authorized agent costs 0.50 GHS for GHS 1–50, and 1% of the withdrawal amount for sums above GHS 50, capped at GHS 10.00 (or up to GHS 20 for very large withdrawals).
Is Telecel Cash (Vodafone Cash) really free to send money in Ghana?
Yes. Telecel Cash offers free transfers across all networks (Telecel to Telecel, Telecel to MTN, Telecel to AT, and to bank accounts). Standard cash-out agent fees still apply when withdrawing physical cash.
How does the Ghana E-Levy work and what is exempt?
The E-Levy is 1.0% on electronic money transfers. Every mobile money user enjoys a cumulative daily exemption of GHS 100. Any transfer amount exceeding GHS 100 in a day attracts the 1% levy. Crucially, agent cash-outs and ATM withdrawals are legally exempt from E-Levy.
What are the official USSD codes for mobile money in Ghana?
MTN Mobile Money: Dial *170# | Telecel Cash: Dial *110# | AT Money: Dial *111#.