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Mobile Money Fees Calculator

Know exactly what you're paying on MoMo, Vodafone Cash & AirtelTigo Money

Calculate Your Fee

Transaction Type

Amount (GHS)

GHS

How often do you do this per month?

You spend on fees per year (cheapest network)

GHS 0

That's money you could save or invest!

💡 Tips to Minimize Fees

📊Send larger amounts less frequently — GHS 1,000 once costs less than GHS 200 five times

🏪Use agent cash-out instead of ATM withdrawal where possible — usually cheaper

💳Pay merchants directly via mobile money — no fee on most payments!

📱Use Fido for instant loans — money lands in your MoMo with zero transfer fees

🔄Same-network transfers are often cheaper — check if both parties use the same provider

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Mobile Money Fees in Ghana (2025 Guide)

Ghana's mobile money ecosystem — led by MTN MoMo, Vodafone Cash, and AirtelTigo Money — processes billions of cedis monthly. Understanding the fee structure helps you save hundreds of cedis per year.

How Mobile Money Fees Work

Fees are charged as a percentage of the transaction amount, with minimum and maximum caps. The E-Levy (1% on transfers above GHS 100) was introduced in 2022 and later reduced to 1% on amounts exceeding the daily threshold.

Which Network is Cheapest?

Fee structures vary by transaction type and amount. Generally, sending money on the same network is cheapest. Use our calculator above to compare real fees across all three networks for your specific transaction.

MTN MoMo — Largest network, most agents, standard fee tiers
Vodafone Cash — Competitive fees, fewer agents in rural areas
AirtelTigo Money — Often cheapest for small transactions