Financial & Payment

Keep your cash management hassle-free with MTN’s efficient financial & payment services. It’s the easiest and secure way to perform your money transfers, bill payments, track transactions and more.

Mobile Money

MTN Mobile Money is a fast, simple, convenient, secure and affordable way of transferring money, making payments and performing other transactions using a mobile phone. The service is offered by MTN in partnership with 10 banks. You can use MTN Mobile Money to send and receive money, top up MTN airtime, pay bills (DStv, ECG Postpaid, MTN Postpaid, school fees, etc.), insurance payment, pay for airline tickets and other goods and services. No need to travel far or wait impatiently to receive or send money. Register with a valid photo ID today and enjoy the ease and convenience this service offers.

It’s a secure, convenient way of managing your cash everywhere you go! Enjoy basic financial services on your mobile phone everywhere you go in Ghana.

What you get
  • Secure, simple, fast and convenient cash management.
  • Immediate access to your money anytime, anywhere – using your mobile phone or the Internet.
  • Send money easily to your family and friends.
  • Withdraw cash at any Authorised Mobile Money Merchant, MTN Service or Partner Bank branch using your mobile phone.
  • Hassle-free payments of bills.
  • Pay for goods and services at participating pay points.

Log on now and start using Mobile Money.


Share the love with your family and friends. Purchase or transfer airtime, SMS and internet bundles for any Prepaid subscriber. No activation or subscription fee, it's the ideal way to stay in touch! This service is only available for Prepaid subsribers.

What you get

  • Share credit with each other.
  • Up to two Me2U transfers per day.
  • Transfer credit from a minimum of GHC1.00 to a maximum of GHC50.00 per transaction.

To transfer: Text <amount> <phone number> <4-digit pin> to 1329

MTN Pay4Me

No credit? Line disconnected? No problem! Make collect calls to your family and friends anytime, anywhere. When you make an MTN Pay4Me call, the receiver pays when he or she accepts your call.

What you get
  • Make urgent calls when you run out of credit or if your line is disconnected.
  • Call can be made to either a prepaid or a postpaid number at the cost to the receiver.
  • Call charge is GHC 0.114 per minute (per second billing applies to postpaid subscribers.
To make a Pay4ME call: Dial 154 <recipient’s number>

Quick Tips

Be sure to turn off data on your device when you aren’t using it. Another way to access data is to use Wi-Fi hotspots in cafés, hotels or airports.