Best Ways To Send Money From the USA to Someone's MTN MoMo Account in Ghana

The United States has long been one of the most popular destinations for Ghanaians looking to work abroad. One of the challenges most Ghanaians face when working in other countries is finding a way to send money back home to their families and loved ones.

MTN Mobile Money is arguably the best and most convenient way to send and receive money in Ghana. Over the years, it has grown so people can use it to pay for goods and services and even take out small loans. But can you send money from the US to Ghana via MTN Mobile Money?

A significant challenge for Ghanaian workers living abroad who want to send money to Ghana is converting foreign currency into cedis. Fortunately, you can use several money transfer services to conveniently send money from the US to MTN MoMo in Ghana easily. 👇

How to Send Money From the US to Ghana via MTN Mobile Money

Technology has made the world a global village, and transferring money worldwide is easier than ever. Here are three of the best money transfer options to send money from the US to Ghana. The best (i.e., the cheapest and fastest) way to send money to Ghana from the USA is through a digital money transfer service. MTN Mobile Money has unfortunately not fully integrated with any digital money transfer specialists in the US, meaning that if you want to take advantage of great exchange rates and high speeds, then you'll first have to send your rands to companies like WorldRemit or Mama Money, who convert it into shillings and pass the money along to your beneficiary's MTN Mobile Money account in Ghana.

Below is a brief step-by-step for getting the job done as affordably and hassle-free as possible:

According to thousands of comparisons made on Monito throughout 2023, Remitly was, on average, the best option for Ghanaians in America trying to send money to MTN MoMo back home. Paysend and WorldRemit, other great options, were the next best, but their transfers generally aren't as affordably as Remitly's. Western Union, MoneyGram and banks provide additional alternatives, too. In the sections below, we explore each provider in a bit more detail.

Best: Remitly

Remitly is a US-based remittance service that facilitates money transfers to several countries worldwide. It’s one of the best options to send money from the United States to Ghana as it gives you several delivery options, including MTN Mobile Money.

To get started on Remitly, you need to create an account using your email address. Once you have an account, you can choose your preferred delivery option, from bank transfers to mobile money options like MTN Mobile Money, AirtelTigo, and Zeepay. 

One of the reasons Remitly is so popular is it doesn’t charge fees for recipients, only for senders. Before you send any amount, Remitly shows you a detailed overview of how much it will cost. On your end, you’ll have to pay a transfer fee.

• Fees: Flat $3.99 fee for transfers below $1,000, and no fee for transfers above $1,000
• Transfer limits: $2,999 in 24 hours, $10,000 in 30 days, and $18,000 in 180 days. You can increase the limits by providing more information for verification.

2nd-Best: Paysend

Paysend is one of the newer money transfer platforms out there, but it's still a fast, secure means to send money from the USA to Ghana through MTN MoMo or to banks and mobile wallets in more than 100 other countries.

With Paysend, you can use their official website or mobile app to transfer money online using your smartphone, laptop, or tablet. It’s a fast and hassle-free way to send money to your recipients in Ghana through MTN MoMo. Paysend’s competitive exchange rates and relatively low fees make it a fairly affordable means to send money globally. It doesn’t charge you any transfer fees if you send money to a bank account.

Paysend promises super-fast transactions, but there could be factors that could lead to delays. Still, mobile money transfers like MTN MoMo reach recipients instantly.

• Average cost: $2 flat rate
• Transfer limits: $999 /day (which can be raised through ID verification)

3rd-Best: WorldRemit

WorldRemit is one of the most popular online money transfer services. You can use it to send money from the US to Ghana safely and conveniently. WorldRemit supports MTN Mobile Money as one of the money transfer options, making it the perfect choice for sending money to Ghana.

It allows you to send money to over 130 destinations worldwide, making starting out easy. Simply download the WorldRemit app from Google Play Store or the App Store and create an account. Once you have provided all the required information and verified your account, you’ll have several options for sending money to Ghana. 

You can top up your WorldRemit account using debit, credit, or pre-paid cards. You get to choose between mobile transfers and bank transfers. Mobile transfers are received instantly, while bank transfers will reach the recipient within 1 or 2 working days. 

• Average cost: Standard $3.99 transfer fee
• Transfer limits: 5,000 /transfer

Recap: Sending Money From the US to Ghana via MTN MoMo

MTN Mobile Money is one of the fastest and most convenient ways to send and receive money in Ghana, which is why it's fortunate that now you can access it even while working abroad! Several money transfer services now include MTN Mobile Money as one of the transfer options, and you can use it to quickly send money from the US to Ghana.

Compare your transfer on Monito to consider all your options when choosing the best money transfer service for you. Look at the convenience and the fees of using each option for a fast, secure, and affordable way to transfer money from the USA to Ghana via MTN Mobile Money: