Send money to Ghana
For businesses paying suppliers, staff and partners. Pay out in GHS to MTN MoMo, Telecel Cash, AT Money and Bank. Fund from USD, EUR, GBP or the USDC and USDT stablecoins, with the rate shown before you confirm.
Stablecoin payments in Ghana for businesses →Updated October 2026
The fastest way for a business to send money to Ghana is a direct payout to MTN MoMo in GHS. With ElementPay it is sent on local rails with the rate and fee shown upfront, funded from fiat or stablecoins.
Payout rails in Ghana.
Mobile moneyMTN MoMo
Mobile money wallet, paid to the recipient’s phone number.
Phone · +233Mobile moneyTelecel Cash
Mobile money wallet, paid to the recipient’s phone number.
Phone · +233Mobile moneyAT Money
Mobile money wallet, paid to the recipient’s phone number.
Phone · +233BankBank
Local bank transfer to accounts in Ghana.
Account number + bankStablecoin funded
Send digital dollars, deliver GHS on any rail above.
How to send money to Ghana.
- 01Add the recipientEnter their phone number in +233 format for MTN MoMo, Telecel Cash and AT Money, or their bank details.
- 02Lock the GHS rateChoose USD, EUR, GBP, USDC or USDT as the source. The GHS amount and fee are fixed before you confirm.
- 03DeliveredThe payout lands on MTN MoMo in Ghana. A webhook and receipt confirm delivery.
Popular routes to Ghana.
Payments in Ghana.
MTN MoMo is the largest mobile money network in Ghana, with Telecel Cash and AT Money also widely used. Many businesses in Accra and Kumasi accept both mobile money and bank transfers.
Questions about Ghana.
How long does it take to send money to Ghana?
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Most ElementPay payouts to MTN MoMo in Ghana are sent on local rails as soon as you confirm, with a status for every payment.
Which payout methods are available in Ghana?
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ElementPay pays out in GHS to MTN MoMo, Telecel Cash, AT Money and Bank. Mobile money payouts need the recipient’s phone number in +233 format. Bank payouts need the recipient’s account number and bank.
Can I send money to Ghana with USDC or USDT?
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Yes. Hold USDC or USDT in your ElementPay balance and use it to fund any payout to Ghana. ElementPay converts to GHS at a rate shown before you confirm and delivers on the local rail.
Can I hold GHS in an ElementPay account?
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Yes. ElementPay issues GHS bank accounts, one per currency, so you can receive, hold and pay in Ghanaian cedis.
What currency does the recipient receive in Ghana?
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Recipients in Ghana are paid in Ghanaian cedis (GHS). You can fund the payout from USD, EUR, GBP, any of ElementPay’s 30 account currencies, or USDC and USDT.
Is ElementPay a bank?
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No. ElementPay is a financial technology company. Banking services are provided by licensed partner institutions.
Also in West Africa.
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