SEND MONEY TO GHANA

Open the MAJORITY app and select Money transfers, then choose Ghana. Or message MAJORITY on WhatsApp with nothing to download. Enter your amount, add your recipient’s name, and send to their mobile wallet with their Ghanaian mobile number, or to a bank deposit. You see the live USD-to-GHS rate, the delivery estimate, and any fee before you confirm.

With a MAJORITY membership ($6.99/month), you send with a $0 transfer fee. Without a membership, sending on WhatsApp costs a flat $1.99 per transfer. Either way, you see the exchange rate and any fee before you confirm. MAJORITY earns money on the foreign exchange rate on all transfers. Additional fees may apply if cash-pickup is selected, or the receiving country imposes additional taxes or fees.

Both work, and the difference is price and setup. With a membership in the app you send to Ghana with a $0 transfer fee, and you get your full MAJORITY account, saved recipients, and your transfer history in one place. On WhatsApp you pay $1.99 per transfer with nothing to download and no ID to upload, so it suits a one-off transfer. In both cases you see the rate and any fee before you confirm.

Yes. You send through MAJORITY, an authorized money transfer service, not a person-to-person payment to a stranger. Transfers are encrypted and handled by licensed partners, and you confirm the amount and the rate before the money is sent. Money transfer services are not FDIC insured.

No SSN required. You open your MAJORITY account with a passport or other approved government-issued ID and proof of US residency, then send money to Ghana. On WhatsApp there’s no ID to upload: you confirm a few personal details and your identity is verified as you send. Additional onboarding questions may apply for customers with no SSN.

Most transfers to Ghana arrive in minutes. Mobile wallet transfers usually land within a few minutes of you confirming. Bank deposits usually arrive within the hour. You see the delivery estimate before you confirm.

In their mobile wallet. The money goes straight to their MTN MoMo wallet using their Ghanaian mobile number, and Telecel Cash, formerly Vodafone Cash, and AT Money, formerly AirtelTigo Money, are supported too. A bank deposit is also available, at banks including Prudential Bank, Guaranty Trust Bank, GCB Bank, and Ecobank. Mobile wallet and bank deposit are the two ways money arrives in Ghana today, and it arrives in Ghanaian cedis. Confirm your recipient’s wallet and mobile number in the app before you send, because available options can change.

Their full name as it appears on their ID, and the Ghanaian mobile number registered to their MTN MoMo, Telecel Cash, or AT Money wallet, a 10-digit number starting with 0. That mobile number is the wallet account, so it is the one detail to check twice. For a bank deposit: their bank and their account number.

You get the live USD-to-GHS rate shown in the app or the WhatsApp chat at the moment you send, and you see it before you confirm along with any fee and the exact amount in Ghanaian cedis your family receives. Rates move during the day, so the number you see at confirmation is the one that applies. MAJORITY earns money on the foreign exchange rate on all transfers.

You see your available limit in the app or in the WhatsApp chat before you send, and it depends on your account, how long you have been with MAJORITY, and the details you have verified. Transfer limits apply and vary per user.