You can send money from Kenya to Ghana on mobile using international money transfer services like WorldRemit, Mukuru, and Airtel Money. Recipients can receive funds into their local mobile money accounts (such as MTN MoMo, Vodafone Cash, or AirtelTigo Money), for cash pickup, or as bank transfers.
Using Dedicated Money Transfer Apps
Third-party apps facilitate direct transfers to mobile wallets and cash pickup locations in Ghana. You can typically pay using your M-PESA wallet, a bank transfer, debit, or credit card from Kenya.
- WorldRemit: Offers instant transfers to mobile money accounts, bank accounts, and cash pickup locations in Ghana. You can use the WorldRemit App to manage the process and compare exchange rates.
- Mukuru: Offers a reliable way to send money for instant cash collection at their partner locations in Ghana or directly to a mobile wallet via their app or website. You can use the Mukuru App to initiate a transfer.
- Airtel Money: If you have an Airtel Money account, you can send money to other Airtel Money wallets across the region, which includes Ghana. Dial *185*1*4# and follow the prompts for international transfers.
Using M-PESA Global with Partners
You can use your M-PESA account to fund transfers through M-PESA’s international partners like Western Union, allowing the recipient to collect cash at a local agent location in Ghana.
Via the M-PESA App or USSD
- Access the M-PESA Global service on the M-PESA App or by dialing *334#.
- Select a partner that serves Ghana, such as Western Union or MoneyGram.
- Choose the option for cash pickup and enter the recipient’s details (full name as it appears on their ID document, phone number).
- Enter the amount in KES. The app will display the exchange rate and total cost.
- Confirm the transaction with your M-PESA PIN.
- Share the resulting Money Transfer Control Number (MTCN) with the recipient so they can collect the cash in Ghana.
Recipients in Ghana generally receive funds in Ghanaian Cedis (GHS) to their mobile wallets or via cash pickup. Comparing exchange rates and fees across different providers before sending is recommended.
