Ghana Money Transfer Made Easy with Mama Money

Embark on a journey of convenience with Mama Money in the world of international money transfers. Whether for educational purposes, healthcare, business investments, or personal needs, your loved ones in Ghana can receive their money swiftly, securely, and without complications. With Mama Money, sending money from South Africa to Ghana is a breeze!

Ghana, renowned as the 'Gold Coast,' is a lively country with a rich cultural heritage and a flourishing economy. For various reasons, many Ghanaians find themselves overseas, seeking improved opportunities and sending money back home. The World Bank reported that remittances to Ghana reached about USD 3.5 billion in 2020, showing how vital these funds are to the nation's economy.


Challenges of sending money to Ghana

International money transfers, including those to Ghana, often come with high transaction fees, long processing times, complex procedures, limited payout options, and security concerns. However, Mama Money is here to make these hurdles a thing of the past.

  1. High Fees: Traditional banking systems and some remittance services often impose high fees for international transfers. These fees may include a flat transfer fee plus an additional percentage of the total amount sent. Hence, the larger the sum, the higher the fee. Both the sender and receiver may be charged for the transaction.
  2. Long Processing Times: Traditional money transfer methods could take days for the recipient to get the money in Ghana due to various procedures, checks, and balances that financial institutions follow. This is particularly inconvenient in emergencies when immediate funds are needed.
  3. Complex Procedures: Some traditional banks and money transfer services require paperwork and several forms of identification for both the sender and the receiver. Moreover, the sender might have to provide proof of income and explain the purpose of the transfer. This process can be cumbersome and time-consuming.
  4. Limited Payout Options: Traditional banking institutions might not be accessible in some rural parts of Ghana. Recipients may need to travel long distances to reach the nearest bank or money transfer agent. Furthermore, traditional banking hours may restrict recipients from accessing their money outside regular business hours.
  5. Security Concerns: There are also worries about the security of international transfers. Risks may involve sensitive information being intercepted, potential scams, or physical safety concerns in carrying large amounts of cash from the payout location.

Mama Money is here to address these challenges, offering a secure, quick, easy-to-use service with a competitive fee structure. With a range of payout options, including mobile money and banking, recipients in even the most remote parts of Ghana can receive their money directly.

Our mission is to simplify the process for you, allowing you to concentrate on what truly matters: supporting your loved ones.


Our payout partners in Ghana

Mama Money has established strategic partnerships with MTN, Airtel, Tigo mobile wallets, and various banks in Ghana, including Standard Chartered Bank, GCB Bank, National Investment Bank, Universal Merchant Bank, HFC Bank, Ecobank, First National Bank, among others. 

These partnerships ensure easy, quick, and safe receipt of funds, allowing recipients to collect money conveniently.


MTN Mobile Wallet, Airtel Mobile Wallet, and Tigo Mobile Wallet: MTN, Airtel, and Tigo are leading telecom service providers in Ghana, and their mobile money services offer convenient payout options for Mama Money users. They have a comprehensive reach across the country and are accepted by numerous businesses. The ability to send money directly to these mobile wallets means recipients can receive and use their money without travelling or waiting in long queues.

When sending to mobile wallets like MTN in Ghana, it’s important to check that your recipient’s wallet has not reached its limits, which could impact or delay your money transfer. 

Bank Partners: With strategic partnerships with numerous banks, recipients can receive funds directly into their accounts. This is particularly beneficial for those who prefer traditional banking and ensures that Mama Money customers can reach their loved ones, irrespective of their banking preferences.

These partnerships provide numerous benefits to Mama Money customers, such as:

  • Accessibility: Mobile money services and banks have a wide reach, even in remote areas, allowing recipients to access their money conveniently.
  • Speed: Transfers are received in real-time, which is beneficial in emergencies or when immediate access to funds is required.
  • Security: Mobile money and direct bank transfers are safer than carrying cash, reducing the risk of theft.
  • Flexibility: Recipients can use their mobile money to pay for goods, utilities, school fees, and other bills directly, or they can choose to withdraw cash at an agent location or from the bank.
  • Cost-effective: Since Mama Money customers can send funds directly to these mobile wallets or bank accounts, it saves recipients the high costs of withdrawing money from traditional banks or other money transfer services.

Through these strategic partnerships, Mama Money continues to make sending money to Ghana as easy, fast, safe, and affordable as possible.

If you're new to Mama Money and wish to create an account with us, follow these four simple steps:

1. Register an account

Download our Mama Money App from the Google Play or Apple App Store,

2. Upload your documents

Upload a clear photo of your Passport, ID, or Asylum / Refugee documents. Take a selfie using the app. We've streamlined our account activation process! Now, if all your documents are in order, your account will be activated instantly.

3. Enter the recipient's details.

These details include their name and mobile number.

4. Pay for your transfer.

Select your preferred payment method and press "confirm & send." 


What recipient information will I need?

To send money to a mobile wallet in Ghana using Mama Money, the sender will need the recipient's mobile phone number and the country where the mobile wallet is located. Mama Money will then use this information to determine the appropriate mobile wallet provider and send the funds to the recipient's mobile wallet. 

How long will it take for my money to arrive?

Transfers to mobile wallets and cash collection are sent within minutes.

Transfers to bank accounts, on average, take 5 hours to be received but can take up to 48 hours to reflect, depending on the recipient's institution.

What customers say about Mama

"Mama Money is a great way to send money home, I love it" - Chipo Nyahodza

"I really like service, it was fast to register.the assistance was also very helpful" - Peter Kayembe

The Mama Money Card

The Mama Money Card is a new way to manage your finances with ease and security. This card offers a hassle-free solution to access and use your money, redefining convenience for all our users. Discover all the fantastic features and benefits of the Mama Money Card by visiting our detailed blog post. For any queries or more information, feel free to reach out to us directly on WhatsApp. Your financial management just got a whole lot easier with Mama Money!

Need help? Mama is here.

To learn more about how to send money from South Africa to several other countries worldwide, follow Mama Money and learn all about our international money transfer services via





Should you have any questions that are not covered above, please get in touch with Mama via WhatsApp at +27661041097.