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Best Ways To Send Money From South Africa to MTN Mobile Money in Ghana

Byron Mühlberg, writer at Monito.com
Nov 15, 2022
Affiliate disclosure

If you're from Ghana or your friends or family live there, you'll probably be familiar with MTN Mobile Money. Not only is it a smart way to send and receive money, make payments, and even get loans in Ghana, but seeing that everything happens directly on the mobile phone, it's probably also the most user-friendly way too!

When sending money from South Africa to Ghana, exchanging rands for cedi can be tricky and expensive. If you're in South Africa and you'd like your recipient in Ghana to receive money onto their MTN Mobile Money account, then you'll need a third-party service. Services like WorldRemit or Western Union enable you to send money from South Africa toMTN Mobile Money in Ghana quickly and easily! Find the cheapest and fastest service using Monito's live comparison engine below 👇

Find the best way to send money from South Africa to MTN MoMo in Ghana:

Key Facts About Sending to MTN Mobile Money

👥 Number of MTN MoMo users

51.1 million

💸 Ave. cheapest cost to MTN MoMo

Around 4.0%

📅 Year founded

2010

💻 Providers sending to MTN MoMo

Four (compare them here)

⏱ Int'l transfers arrive

In minutes

🌍 MTN MoMo headquarters

South Africa

Option 1: WorldRemit

Without a doubt, the best way to send money from South Africa to MTN Mobile Money in Ghana is to choose an online money transfer provider that supports MTN Mobile Money payouts in Ghana. In general, many excellent providers are offering this service, including WorldRemit, Remitly, Skrill, and others, but depending on your exact transfer, not all providers might be available.

To get started, you must sign up on one of these platforms (the process usually is quick, easy, and free) and choose MTN Mobile Money as your delivery method. You'll then be able to enter your recipient's mobile number and name and then make a bank or card transfer from rands to their MTN Mobile Money account in cedi at excellent exchange rates. (What's more, the money will typically arrive in Ghana in only a few minutes!)

Thankfully, there are four options to send money to a mobile wallet in Ghana from South Africa: WorldRemit, Xendpay, Wise, and Halo Financial. And according to tens of thousands of searches on Monito's comparison engine in 2022, of these four, the best platform in this category for MTN Mobile Money payouts in Ghana for transfers from South Africa is WorldRemit.

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WorldRemit offers low fees, excellent exchange rates, and super-quick transfer speeds for sending money South Africa to MTN Mobile Money in Ghana. With WorldRemit, your transfer will arrive in Ghana in minutes and save you a lot of money compared to the bank or Western Union.

Generally, WorldRemit will cost around 5.2% if you send 1,000 rands from South Africa to Ghana (keep in mind that this percentage cost goes down the more money that you send). Because of these relatively low fees and exchange rates, we recommend WorldRemit for all users looking to save money when sending to MTN Mobile Money in Ghana.

Remember that with WorldRemit, you can only send up to GHS 2,400 per transfer when sending to somebody's MTN Mobile Money account in Ghana.

Option 2: Legacy Providers

In addition to WorldRemit and the other savvy online providers we learned about above, using a traditional transfer operator such as Western Union or MoneyGram is another alternative to sending money from South Africa to a MTN Mobile Money account in Ghana.

Although legacy platforms are usually more expensive than online-only platforms, they usually still offer decent exchange rates, and which is ultimately cheaper depends on precisely how much money you're sending. That's why we recommend you compare money transfer providers before every new money transfer you send to Ghana.

Let's go over the leading platforms in this category:

  • Western Union: Western Union is the world's largest and oldest money transfer operator. It offers money transfers to MTN Mobile Money in Ghana from dozens of countries across the globe, including from South Africa. See our full Western Union review or visit their website to learn more.
  • MoneyGram: After Western Union, MoneyGram is the world's second-largest money transfer operator and offers money transfers from South Africa to MTN Mobile Money in Ghana. See our full MoneyGram review or visit their website to learn more.
  • Small World: Often the cheapest of the legacy operators for transfers to Ghana, Small World is another well-known alternative for sending money. It supports transfers from South Africa to MTN Mobile Money and other mobile wallets. Small World is usually one of the cheapest ways of sending money to MTN Mobile Money in Ghana from South Africa and is sometimes even as cheap as WorldRemit! See our full Small World review or visit their website to learn more.

Option 3: Banks

If you live in South Africa but keep a bank account in Ghana, it's sometimes possible to convert foreign currency to cedi and deposit it into somebody's MTN Mobile Money account locally.

While it can make sense if you maintain a bank account in Ghana which offers this service (and you don't mind paying slightly higher fees), it's not a good option if you want to save money, as costs can quickly amount to more than 5% of the total transaction amount. You can learn more about the high costs of using your bank to send money abroad in our dedicated explainer.

Instead, we recommend choosing an online provider on this list like WorldRemit, or comparing money transfer providers in real-time below to find the best deal for your specific transfer:

Transfer cheaply to a loved one's MTN MoMo account in Ghana:

FAQ About Sending Money to MTN MoMo

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