Top 10 Best Mobile Money & Payment Apps in Ghana for 2025: Secure, Low-Fee Digital Wallets & Remittances

Ghana's fintech ecosystem is exploding in 2025, with mobile money transactions skyrocketing to GH¢354.1 billion in August alone, according to the Bank of Ghana's latest economic summary.

This surgeup 64.7% year-on-year to GH¢649.2 billion in the first two months highlights how digital wallets are fueling financial inclusion for over 74 million registered accounts nationwide.

As one of Africa's largest mobile money markets, Ghana's apps are simplifying everything from family remittances to e-commerce buys, all while slashing cash-handling risks.

In this 2025 guide, we'll unpack the leading mobile money and payment apps in Ghana. Drawing from Bank of Ghana approvals and user trends, we'll compare features, fees, and security to help you pick the perfect fit whether for quick P2P sends, affordable cross-network transfers, or diaspora inflows. With interoperability hitting record highs at GH¢4.9 billion in August, now's the time to go digital.

Why Mobile Money is Revolutionizing Finance in Ghana

Mobile money isn't just a tool, it's the backbone of Ghana's cash-lite economy. With 938,000 registered agents (433,000 active), it's bridging the unbanked gap for millions, especially in rural areas.

Key advantages driving 57.9%  growth in 2024 (extending into 2025) include:

• Ultimate Convenience: Instant sends and receives via phone, no bank queues needed.
• Boosted Inclusion: Over 50% of Ghanaians now access savings, loans, and insurance without traditional accounts.
• Top-Tier Security: Biometrics and encryption beat cash theft risks.
• SME Power-Up: Merchants accept payments seamlessly, spurring business growth.
• Bank Synergy: Effortless links to institutions like Ecobank or Stanbic for hybrid finance.

As e-levy abolition fuels further adoption, these apps are set to handle trillions in transactions, per BoG projections.

Must-Have Features for Top Mobile Money Apps in Ghana 2025

Choosing the right app? Prioritize these for a seamless experience:

• Affordable Fees: Aim for under 1% on transfers; watch for e-levy impacts (now gone, but legacy fees linger).
• Nationwide Agent Access: Dense networks for cash-ins/outs, crucial in remote spots.
• User-Friendly Design: Simple USSD or app interfaces for all literacy levels.
• Broad Integrations: Compatibility with banks, merchants like Jumia, and global remittance hubs.
• Ironclad Security: 2FA, PINs, and BoG-compliant fraud alerts.
• Bonus Perks: Loans, rewards, or savings yields to maximize value. Limited interest rates on Ghana’s wallets mean some users explore alternatives, including savings banks in neighboring African countries like Uganda.

Focus here to cut costs and amp up efficiency in Ghana's vibrant digital payments space.

Top 10 Mobile Money & Payment Apps in Ghana for 2025

Based on BoG approvals, user adoption, and 2025 innovations like AI fraud detection, here are the standouts from telecom giants to fintech disruptors.

We've expanded to 10 for comprehensive coverage.

1.       MTN Mobile Money (MoMo): The Unrivaled Leader

MTN MoMo dominates with 89.3% market share, powering GH¢3.02 trillion in 2024 transactions and growing in 2025 via enhanced lending. Ghana’s MTN MoMo offers savings and investment options, making it competitive with other high interest savings accounts in Africa.

Key Highlights:

• Instant P2P across networks; international sends to 50+ countries.
• Bill pays (ECG, GWCL), airtime, and QR merchant scans.
• MoMoPay for e-commerce; links to Visa/Mastercard.
• New 2025: AI chat for loans up to GH¢5,000.

Pros:

• Massive 1M+ agent network; ubiquitous acceptance.
• Reliable, with 24/7 support.

Cons:

• Fees ~1-2% on transfers (GH¢1+ for bills); higher for globals.

2.       AirtelTigo Money: Budget-Friendly Cross-Network Champ

Second-largest with low fees, AirtelTigo excels in interoperability, handling seamless multi-network sends.

Key Highlights:

• Affordable P2P to MTN/Vodafone; bill and airtime buys.
• E-commerce integrations; remittance inflows.
• 2025 Update: Zero-fee promos for intra-network transfers.

Pros:

• Cheapest at ~0.5-1% fees; strong rural coverage.
• Quick activations via *124#.

Cons:

• Smaller agent base (~200K) than MTN.

3.       Vodafone Cash: Telecom-Backed Reliability

Vodafone's platform shines for loyal users, with free same-network transfers boosting 2025 adoption.

Key Highlights:

• Free Vodafone-to-Vodafone; cross-network at low cost.
• DSTV/ECG pays; airtime discounts.
• Bank links for deposits; cash pickups.

Pros:

• Competitive ~GH¢0.50 base fees; robust infrastructure.
• Easy app/USSD hybrid.

Cons:

• Lower overall market share; limited global features.

4.       Zeepay: Diaspora Remittance Specialist

Zeepay's fintech edge focuses on inflows, processing billions in 2025 with AI-optimized rates.

Key Highlights:

• Direct sends from abroad to MTN/AirtelTigo/Vodafone wallets.
• Bill pays, airtime, and P2P; expanding to loans.
• 2025: Blockchain for faster, cheaper globals.

Pros:

• Seamless for Ghanaians abroad; low ~1% fees.
• BoG-licensed EMI.

Cons:

• Less emphasis on local-only transactions.

5.       Slydepay: Versatile E-Commerce Wallet

Slydepay's digital prowess makes it a 2025 favourite for online shoppers, with top rates on sends.

Key Highlights:

• P2P, airtime, bills; Visa/Mastercard + MoMo integrations.
• Merchant tools for SMEs; QR payments.
• New: Rewards on Jumia buys.

Pros:

• Flexible, fast; best send rates in Ghana.
• User-friendly app.

Cons:

• Smaller user base; urban-focused.

6.       ExpressPay: All-in-One Payment Gateway

ExpressPay bridges cards and wallets, ideal for businesses in 2025's gig economy.

Key Highlights:

• Online bills, shopping; multi-wallet support.
• API for devs; recurring payments.
• 2025: Enhanced security for high-volume merchants.

Pros:

• Great for e-commerce; easy integrations.
• BoG-approved PSP.

Cons:

• Limited rural agent access.

7.       Hubtel: SME and Bulk Payment Powerhouse

Hubtel's versatility covers SMS, POS, and payments, empowering thousands of Ghanaian businesses.

Key Highlights:

• Mobile money, cards, QR; bulk SMS invoicing.
• Bill pays and remittances.
• 2025: AI analytics for sales tracking.

Pros:

• Comprehensive for SMEs; low setup costs.
• High uptime.

Cons:

• Overkill for casual users.

8.       EziPay: Global-to-Local Remittance Ease

EziPay simplifies diaspora sends with card-to-wallet tech, gaining traction in 2025.

Key Highlights:

• Send from abroad via debit/credit to MoMo/banks.
• Airtime, bills; low-fee wallet top-ups.
• New: Instant cashouts.

Pros:

• Convenient for internationals; secure encryption.
• Multi-currency support.

Cons:

• Occasional aggregator glitches; higher fees (~2%).

9.       WorldRemit: Instant Cross-Border Transfers

WorldRemit tops for speed, delivering to Ghana wallets in minutes for 2025 expats.

Key Highlights:

• Bank/mobile/cash payouts; low mid-market rates.
• Airtime top-ups; multi-country sends.
• 2025: Expanded to 66M+ African users.

Pros:

• Near-instant; transparent fees.
• Versatile options.

Cons:

• Not ideal for purely local use.

10.   Wise: Cost-Effective Global Wallet

Wise rounds out with real-rate transfers, perfect for freelancers in Ghana's 2025 economy.

Key Highlights:

• Multi-currency holds; P2P to banks/MoMo.
• No hidden fees; fast to Ghana.
• New: Local GH¢ accounts.

Pros:

• Cheapest for globals (~0.5%); FCA-regulated.
• App-based ease.

Cons:

• Limited merchant integrations.

At-a-Glance Comparison: Best Mobile Payment Apps Ghana 2025

Roadblocks in Ghana's Mobile Money Journey

Despite booms, hurdles remain: Fees (1-2%) outpace cash; scams via phishing; rural agent gaps; and MTN dominance stifles competition. BoG's interoperability push helps, but education is key.

2025 Trends: What's Next for Ghana Fintech?

• Interoperability Boom: Cross-network transfers up 25.6% to GH¢4.9B, easing multi-wallet use.

• Fintech Surge: 70+ startups like Zeepay adding AI loans, BNPL.  Just as fintech apps in Africa like Nigeria and Ghana are transforming digital payments, cross-border integration will play a huge role in the region’s financial future.

• Global Expansion: Remittances via WorldRemit/Wise hitting new highs. East Africa already leads with the best banks and mobile savings accounts in Kenya, and Ghana is quickly catching up in mobile money adoption.
• E-Commerce Ties: Jumia integrations with Slydepay/ExpressPay.
• Embedded Finance: Wallets offering savings (5%+ yields) and insurance.

AI and blockchain will cut fees further, per Bowmans' 2025 outlook.

FAQs: Mobile Money Apps Ghana 2025

Q1: Top mobile money app in Ghana?
A: MTN MoMo for coverage; AirtelTigo for fees.

Q2: Lowest fees?
A: AirtelTigo (~0.5%); Wise for globals.

Q3: Best for international remittances?
A: Zeepay/WorldRemit for instant wallet deposits.

Q4: E-commerce pick?
A: Slydepay/ExpressPay for card-mobile blends.

Q5: How secure?
A: All BoG-regulated with biometrics; monitor for scams.

Level Up Your Finances in Ghana 2025

Ghana's mobile money apps are a powerhouse in 2025, with MTN MoMo leading daily ops, Zeepay excelling in remittances, and fintechs like Hubtel/Slydepay innovating for business. Mix them, MoMo for locals, Wise for abroad to slash fees and boost flexibility. Fraud remains a risk in Ghana’s MoMo ecosystem, but being aware of common personal finance mistakes to avoid can help users stay protected.

Tip: Register via USSD (*170# for MTN) and link banks for hybrid power. Dive in today for a safer, smarter financial future.