Mobile wallets received 99.9% of our transfers to Ghana in January-August 2026. Our customer data also points to a pattern of regular sending.
For our customers sending money from the United States to Ghana, mobile wallets are the main way funds reach the recipient. They accounted for 99.9% of our transactions to the country in January-August 2026, compared with 94.8% in 2023.
At Sharemoney, we help people in the United States send money to family and friends abroad. By examining our own transfer records, we can see how customers use the receiving options available through our service. In Ghana, those records show a mobile-wallet channel that was already well established and became even more prominent.
Mobile wallets are part of an ongoing sending pattern
Our analysis includes MTN, Telecel and AirtelTigo. Telecel is the operator previously known as Vodafone Ghana. Other receiving methods also recorded transactions throughout the period analyzed, although they accounted for only a small share of our customers’ transactions in this corridor.
Our active senders to Ghana made an average of around six transfers per month in January-August 2026, compared with around five in 2023. An active sender is a customer who completed at least one transaction during the month being measured; the average does not describe every registered user.
Abel Coss, Co-Founder of Sharemoney, sees the frequency as an indication of continuing financial support. The data does not identify what each recipient spends the money on, but it shows that sending can be a recurring activity rather than a single occasion.
Choose the receiving option that works for your recipient
If you plan to send to a mobile wallet in Ghana, start by checking the available receiving options and confirming the recipient details requested for the transfer. Review the delivery estimate and the amount your recipient will receive before proceeding.
You can also see the transfer fee, exchange rate and total amount payable before confirming. Our team provides human assistance during service hours when you need help understanding the process. To check the numbers before you send, see today’s dollar rate in Ghana and the cedis per dollar into an MTN MoMo wallet.
Our focus is on making money transfers simple and transparent, while keeping human support at the heart of the experience.
Abel Coss, Co-Founder of Sharemoney
Explore your options for sending money to Ghana.
About the data: receiving-method shares compare full-year 2023 with January-August 2026 and exclude cancelled and refunded transfers. They measure transaction counts, not dollar value. Frequency is the average number of monthly transfers per active sender, defined as a customer with at least one transaction in the month being measured. The frequency comparison also covers 2023 and January-August 2026. All figures describe Sharemoney customers, not Ghana’s remittance market as a whole.
