This guide explains how to send money from Ghana to Nigeria using MTN Mobile Money (MTN MoMo), based on a real test transaction and verification with MTN Mobile Money customer support. It covers step-by-step instructions, applicable fees, processing time, and frequently asked questions to help users complete cross-border transfers with confidence.
How Do I Send Money From Ghana To Nigeria?
1. Open your phone app and dial *170#
2. Select Option one (1)
3. On the next page, choose the seventh alternative
4. Next, choose Nigeria
5. Moving on, press one (1) and proceed the next stage
6. At this point, you will be prompted to enter the receiver’s phone number twice for confirmation as shown in the images below. Make sure to enter the country code together with the number.
7. You will have the chance to input the amount you want to send in cedis. The prompt will appear as seen in the image below.
8. Enter a reference
9. Finally, key in your pin to complete your transaction
NB: At the time of testing, MTN Ghana charged a 4% fee on the total amount transferred. Fees may change, so users should confirm with MTN MoMo before sending funds.
Frequently Asked Questions (FAQs)
Below are answers to some common questions about sending money from Ghana to Nigeria using MTN Mobile Money
What is the maximum amount for MTN MoMo Ghana to Nigeria cross-border transfer?
The maximum amount you can send from Ghana to Nigeria via MTN Mobile Money depends on your MTN MoMo wallet daily transaction limit.
There is no universal fixed cross-border limit, as the system is tied to your wallet tier and regulatory limits.
To check your limit:
- Dial *170#
- Select Option 6 (My Wallet)
- Then select Option 9 (Limits)
Is MTN MoMo Ghana to Nigeria cross-border transfer available 24/7?
Yes. MTN Mobile Money services are generally available 24/7, including cross-border transfers from Ghana to Nigeria.
However, while the service is available at all times, processing may sometimes experience delays due to backend settlement systems.
Can Nigerians send money back to Ghana using MTN MoMo cross-border transfer?
Reverse transfers (Nigeria to Ghana) may be available depending on MTN Nigeria’s current rollout and wallet eligibility, but availability is not consistently confirmed for all users.
What happens if MTN MoMo Ghana to Nigeria cross-border transfer fails?
If an MTN Mobile Money cross-border transfer from Ghana to Nigeria fails, the transaction is usually automatically reversed, and the funds are refunded back to the sender’s wallet.
In some cases, the reversal may take time depending on the stage of processing and the settlement partner involved.
How long does MTN MoMo Ghana to Nigeria cross-border transfer take?
MTN Ghana to Nigeria Mobile Money transfers typically take between 24 to 48 hours to reach the recipient.
This is because the transaction is processed through a cross-border payment infrastructure provider (Onafriq), which handles settlement between countries. Delays may occur depending on processing queues, verification checks, or system load.
