Sending money from Ghana to Nigeria is now easier with Mobile Money (MoMo). Many people use MoMo because it is fast, safe, and works on simple mobile phones. In this guide, you will learn how to use MoMo to send money from Ghana to Nigeria, the requirements, charges, and helpful tips.
What Is MoMo (Mobile Money)?
MoMo, also known as Mobile Money, is a digital wallet service that allows users to send and receive money using their mobile phones. In Ghana, MoMo is very popular and is used for:
- Sending money locally and internationally
- Paying bills and school fees
- Buying airtime and data
- Receiving salaries and business payments
Some MoMo services in Ghana allow international transfers, including sending money to Nigeria.
Can You Send Money from Ghana to Nigeria Using MoMo?
Yes, you can send money from Ghana to Nigeria using MoMo, but it usually works through international transfer partners. The money is often received in Nigeria through:
- A Nigerian bank account
- A supported mobile wallet
- Cash pickup from approved agents (in some cases)
The availability may depend on your mobile network and the transfer option you choose.
Requirements to Send Money from Ghana to Nigeria Using MoMo
Before you start, make sure you have the following:
A Registered MoMo Wallet
You must have an active and fully registered MoMo wallet in Ghana.
Valid ID
Some transfers may require identity verification, especially for large amounts.
Recipient’s Details
You will need:
- Recipient’s full name
- Nigerian bank name (if sending to a bank)
- Account number or wallet number
- Correct country selection (Nigeria)
Step-by-Step Guide: How to Send Money from Ghana to Nigeria Using MoMo
Step 1: Dial the MoMo Short Code or Open the App
Use your mobile phone to dial your MoMo USSD code *170# or open your MoMo app.
Step 2: Select “Send Money”
From the menu, choose Send Money or Transfer.
Step 3: Choose International Transfer
Select the option for International Transfer or Send Money Abroad.
Step 4: Select Nigeria as the Destination Country
Choose Nigeria from the list of countries.
Step 5: Enter Recipient Details
Input the recipient’s bank account number or wallet details carefully.
Step 6: Enter the Amount
Type the amount you want to send in Ghana cedis.
Step 7: Confirm and Enter Your MoMo PIN
Check all details, then enter your MoMo PIN to complete the transaction.
Step 8: Transaction Confirmation
You will receive an SMS confirming the transfer. The recipient will also be notified once the money arrives.
How Long Does It Take for the Money to Arrive?
- Some transfers arrive within minutes
- Others may take a few hours or up to one business day
- Delays can happen on weekends or public holidays
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Fees and Exchange Rates
- Transfer fees depend on the amount sent
- Exchange rates are automatically applied
- You will see the total charges before confirming the transfer
Always check the final amount the recipient will receive before sending.
Tips for Safe MoMo International Transfers
- Double-check the recipient’s details
- Never share your MoMo PIN with anyone
- Use only official MoMo menus or apps
- Keep your transaction SMS for reference
Frequently Asked Questions (FAQs)
1. Can I send MoMo directly to a Nigerian phone number?
Most times, MoMo transfers to Nigeria go through bank accounts or supported wallets, not directly to phone numbers.
2. What is the minimum amount I can send from Ghana to Nigeria?
The minimum amount depends on the MoMo service provider and transfer partner.
3. Is MoMo international transfer safe?
Yes, MoMo is secure when you use official channels and keep your PIN private.
4. Can the receiver get the money in naira?
Yes, the recipient receives the money in Nigerian naira after currency conversion.
5. What should I do if the transfer fails?
Contact MoMo customer care with your transaction reference number for help.
Using MoMo to send money from Ghana to Nigeria is simple and convenient when you follow the correct steps. Always confirm details and charges before completing any transfer.
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