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How can you send money to Ghana?

You can send money to a Mobile Money wallet with MTN , Airtel Tigo, Voda Cash and Zeepay or via  bank transfers.


How much will you pay to send money to Ghana?

We will simply charge a small % on the exchange rate and will not charge any extra fees at all.


How do bank transfers work?

You can send a bank transfer to many banks in Ghana. See the list in the app by attempting a transfer, right after entering your recipient's details. Select "bank transfers" and review the drop-down menu. 


Recipients will typically see transactions hit their bank account the same day if sent before 2pm local time and next day if funds are sent after 2pm local time. Friday local time after 2pm would be received Monday. You can see this info also directly in the app.


As soon as your recipient gets the transfer you will receive both an SMS from Taptap Send about the delivery of funds and one from his local bank.


How much can you send?

You can send funds up to the maximum limits permitted by our standard sending policies. Please click here to see.


If you sent money to the wrong person or to the wrong number, what can you do?


MTN, AirTel Tigo, Voda Cash and Zeepay

If you made a mistake with the phone number, please get in touch with us so we can review the situation with you. Please contact us from your registered email address at:


Bank Transfers 

Unfortunately, we cannot modify nor refund Bank Transfers, it is really important for you to double-check all the relevant info before checking to whom you are sending money.


What is the Ghana Gov’t E-Levy?

On the 1st of May, the Government of Ghana will implement the new e-levy law on MoMo and bank transfers within Ghana.

It will not be applied to international money transfers from Taptap Send. It will also not be applied to cash withdrawals from MoMo agents or banks.  If your loved ones or family withdraw the money you send them at a MoMo agent or bank, they will not be charged the e-levy.

The 1.5% e-levy will only apply to MoMo or bank transfers made within Ghana to other people and to some merchants.

Taptap Send will continue to offer you NO FEE money transfers and we have NO plans to introduce transfer fees.



Tips for the recipient


Airtel tigo

Please find below some useful information to help your recipient cash out money through Airtel Tigo in Ghana:

  • For cashing out at the agency, please note that an ID and the secret PIN that your recipient chose when he opened the mobile account will be required

  • For more assistance, your recipient can call the Airtel Tigo Customer Service at 0260000100 or send them a text message at this number: 100

  • And also, if it doesn’t work in an agency, it’s always worth trying in another one



Please find below some useful information to help your recipient cash-out money with MTN in Ghana:

  • Please note that your recipient doesn't necessarily need to cash out because he can use his mobile wallet to pay for goods, public transport costs and even household bills;

  • In order to activate the Allow Cash-Out functionality to enable him to withdraw money, he will have to dial *170#, to select option 4 to turn on “allow cash-out” and confirm “allow Cash-out” with their pin;

  • To cash out at the ATM, dial *170#, enter 5 for Financial Services, enter 1 for Bank Service, select 3 for ATM Cash Out, select 1 to Generate Token, enter Four-digit Secret Code, enter Amount, enter MM PIN and they will receive notification for a successful transaction

  • For more assistance, your recipient can call MTN Customer Service at +233244300000, send a text message to the phone number 100 or send an email at

  • And also, if it doesn’t work in an agency, it’s always worth trying in another one



Please find below some useful information to help your recipient to cash-out money with Vodacash in Ghana:

  • If your recipient needs to activate his mobile account, he will have to dial 110#, select 0 and follow with his secret PIN (the one he chose when he opened his mobile account) and enter his PIN again to confirm

  • For more assistance, he can contact the Vodacash Customer Service through helpline: 100/ 050 555 5111, through Facebook: Vodafone Ghana, through Twitter: @Askvodafonegh, through WhatsApp: 0501000300, through SMS: 655 (Mobile) 755 (Fixed), or through email:


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