To send money to Ghana with MAJORITY, open the app, pick Ghana, choose bank transfer or mobile wallet, review the live rate, and confirm in Ghanaian cedi.
Quick answer
The full process takes a few minutes: open a MAJORITY account with a government-issued ID, open the app and tap Send money, choose Ghana as the destination, select either bank transfer (to Ecobank, GCB Bank, GTBank, Fidelity Bank, Zenith Bank, Prudential Bank, or Access Bank) or mobile wallet (MTN MoMo, Vodafone Ghana, or AirtelTigo Money), enter the USD amount, review the live USD-to-GHS rate and the exact cedi total your recipient will receive, then confirm. Most transfers to Ghana are instant; bank transfers can take up to 5 business days depending on the receiving institution.
What you need to know
- Ghana supports two delivery methods: bank transfer to a Ghanaian bank account and mobile wallet to MTN MoMo, Vodafone Ghana, or AirtelTigo Money. There is no cash pickup option for this destination.
- For a bank transfer, your recipient needs to share their full name as it appears on the account, the bank name, and their account number.
- For a mobile wallet send, your recipient shares their registered mobile number and the wallet provider they use.
- The exchange rate and the exact Ghanaian cedi (GHS) amount your recipient will receive appear in the app before you confirm the transfer.
- The membership is $5.99 per month and includes transfers to Ghana at no per-transfer fee, regardless of delivery method.
- Most transfers to Ghana are instant; delivery time depends on the method and the receiving institution.
Step 1: Open a MAJORITY account
You can open a MAJORITY account with a valid government-issued photo ID. Download the app from the App Store or Google Play, scan your ID, enter your address and phone number, and wait for approval. Once your account is open, you can send money to Ghana from the same app.
MAJORITY is a financial membership for migrants in the US. The $5.99 monthly membership includes international money transfers to more than 30 countries, including Ghana, at no per-transfer fee.
Step 2: Open the app and start a transfer
Open the MAJORITY app and tap Send money. The transfer flow guides you through choosing the destination country, the delivery method, and the recipient's details.
Select Ghana as the destination. The app then presents the two available delivery options for this destination: bank transfer and mobile wallet.
Step 3: Choose a delivery method
Ghana supports bank transfer and mobile wallet. Each method needs slightly different information from your recipient. Gather those details before you begin.
| Delivery method | What your recipient gives you | Typical speed |
|---|---|---|
| Bank transfer | Full name on the account, bank name, account number | 30 minutes to 5 business days; most transfers are instant |
| Mobile wallet | Registered mobile number and wallet provider (MTN MoMo, Vodafone Ghana, or AirtelTigo Money) | Minutes to hours |
If your recipient holds a Ghanaian bank account, bank transfer is a reliable choice. If they already use a mobile wallet, especially MTN MoMo, mobile wallet is a convenient option that does not require a bank account.
Step 4: Enter the recipient's details for your chosen method
Bank transfer to a Ghanaian bank
Supported bank transfer partners for Ghana include Ecobank, GCB Bank Ltd, Guaranty Trust Bank (GTBank), Fidelity Bank, Zenith Bank, Prudential Bank Ltd, and Access Bank. The full current list appears in the app when you add a recipient. Your recipient needs to provide their full name as it appears on the account, the bank name, and their account number.
Confirm the account number and name carefully before sending. A mismatch between the name on the transfer and the name on the bank account is the most common cause of a held or returned deposit.
Mobile wallet send
Ghana's three supported mobile wallet providers are MTN Ghana (MTN MoMo), Vodafone Ghana, and AirtelTigo Money. Your recipient needs an active, registered account with one of those providers. Ask for their registered mobile number and confirm which wallet they use before entering the details.
MTN MoMo is widely used across Ghana; Vodafone Ghana and AirtelTigo Money are available in areas served by those networks. The send arrives in the recipient's wallet balance in Ghanaian cedi.
Step 5: Enter the amount, review the rate, and send
- Enter the USD amount you want to send.
- Check the exchange rate. The app shows the live USD-to-GHS rate at the moment you are sending, along with the exact cedi total your recipient will receive.
- Check the estimated delivery time for the specific method and receiving institution.
- Review the recipient details on the summary screen. Confirm the account number, mobile number, name, and wallet provider are correct before proceeding.
- Authenticate with your PIN or biometrics and confirm the transfer.
- Track the transfer on the activity screen. A notification arrives when the funds are released.
If anything on the summary screen does not look right, tap back and correct the detail. An incorrect account number or mobile number may delay the transfer or require a reversal that can take several business days.
What it costs to send money to Ghana
Two cost components apply to every transfer: the membership and the exchange rate.
- The membership is $5.99 per month. It covers international money transfers in supported countries, including Ghana, at no per-transfer fee, regardless of whether you send by bank transfer or mobile wallet.
- The exchange rate is the one shown in the app at the moment you confirm. The live USD-to-GHS rate and the exact cedi total appear on the confirmation screen before you tap send.
There is no added per-transfer charge at the member tier. The Ghanaian receiving bank or wallet provider may apply its own policies, but MAJORITY charges no per-transfer fee on your end.
What to do next
- Download the MAJORITY app, scan a valid government-issued photo ID, and open your account.
- Ask your recipient which delivery method works best for them: a Ghanaian bank account (gather the bank name and account number) or a mobile wallet (gather the registered mobile number and wallet provider).
- Open the app, tap Send money, choose Ghana, pick your delivery method, and enter the recipient's details.
- Enter the USD amount, review the live exchange rate and the cedi total, confirm, and track the transfer in the activity screen.
Related MAJORITY resources
MAJORITY supports money transfers to more than 30 countries, including Ghana, with the live exchange rate and estimated delivery time shown in the app before each transfer is confirmed.
Frequently asked questions
How do I send money to Ghana with MAJORITY?
Open the app, tap Send money, choose Ghana as the destination, pick bank transfer (to Ecobank, GCB Bank, GTBank, Fidelity Bank, Zenith Bank, Prudential Bank, or Access Bank) or mobile wallet (MTN MoMo, Vodafone Ghana, or AirtelTigo Money), enter the recipient's details, review the live exchange rate and the cedi total, then confirm.
Which banks can I send a bank transfer to in Ghana?
Supported banks include Ecobank, GCB Bank Ltd, Guaranty Trust Bank (GTBank), Fidelity Bank, Zenith Bank, Prudential Bank Ltd, and Access Bank. The full current list appears in the app when you add a recipient.
Which mobile wallets does MAJORITY support for Ghana?
MAJORITY supports MTN Ghana (MTN MoMo), Vodafone Ghana, and AirtelTigo Money for Ghana mobile wallet transfers. Your recipient needs an active, registered account with one of those providers.
How long does a money transfer to Ghana take?
Most transfers to Ghana are instant. Bank transfers typically complete in 30 minutes to 5 business days depending on the receiving bank. Mobile wallet sends typically arrive within minutes to hours.
How much does it cost to send money to Ghana?
The MAJORITY membership is $5.99 per month and includes transfers to Ghana at no per-transfer fee. The exchange rate at the moment you confirm the transfer is the other cost component; the live USD-to-GHS rate and the exact cedi total appear in the app before you send.
Is there cash pickup available for Ghana transfers?
No. Ghana transfers are available by bank transfer or mobile wallet only. There is no cash pickup option for this destination.
Disclosures
The MAJORITY app facilitates banking services through Axiom Bank, N.A. ("Axiom"), Member FDIC. The funds deposited in the account held at Axiom, Member FDIC, are FDIC-insured on a pass-through basis up to $250,000 per depositor in the event Axiom fails and subject to the satisfaction of certain conditions. Non-deposit products or services such as money transfers and telecom services are not FDIC-insured.
MAJORITY Visa® Debit Card is issued by Axiom Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc.