Ghana · MTN Mobile Money
Send money to Ghana and pay out via MTN Mobile Money. Fund from your local currency or with crypto, and your recipient receives GHS, usually within minutes.
The rate and fee are shown before you confirm
How should they get it?
You send
500 USDTThey receive
GH₵5,857.95
Delivered to
MTN Mobile Money wallet
Arrives
Usually within minutes
Indicative rate, updated 2026-08-05. Your final rate is confirmed before you send.
Ways to get paid
Every rail is offered at the same rate, so the choice is about what your recipient can actually use. Select one to see it in the quote above.
Same day or next business day
Bank transfers into Ghana can sit overnight or longer, and recipients outside the larger towns often have no branch nearby to withdraw from.
Pay directly into any Ghanaian bank account in cedis. Best for larger amounts, where wallet limits would get in the way.
Usually within minutes
Mobile money is how most people in Ghana actually hold and spend money, yet many transfer services either cannot reach MoMo or charge extra to do it.
Pay straight to a registered MTN MoMo number. It arrives as spendable cedis, usually in minutes, with no bank in the middle.
As soon as the network confirms
Recipients who hold stablecoins have to route through an exchange and cash out locally, adding a step and a spread they did not agree to.
Send USDT, USDC, BTC, ETH or SOL to any wallet or exchange address. No local rails involved and no cash-out required.
How it works
Sign up for free in minutes and verify your identity.
Add money from your local currency by bank transfer or card, or send crypto instead.
Select MTN Mobile Money, enter your recipient's details, and confirm. The rate and fee are shown before you send.
Ghana receives heavy remittance inflows, and senders still deal with high fees and inconsistent delivery times, with mobile money in particular often only partly integrated. Novacrust supports all three rails at the same rate, so you pick based on what your recipient actually uses.
MTN Mobile Money is how money moves day to day in Ghana, so we treat it as a first-class payout rail rather than a bolt-on. You enter a registered number, the GHS lands in the wallet, and your recipient spends it without visiting a bank or an agent.
A bank transfer usually arrives the same day or the next business day, MTN Mobile Money usually within minutes, and a crypto wallet payout as soon as the network confirms.
Fund from your local currency or with crypto, and your recipient receives GHS on whichever rail works for them.
Send Money NowThe rate and fee are shown before you confirm
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