Mobile money. Not a convenience in Ghana — the payment system.
Wallets are held with MTN (MTN MoMo), Telecel (Telecel Cash) or AT (AT Money), and they interoperate, including with bank accounts.
You need a registered SIM and a Ghana Card to open one, and a verified wallet has substantially higher limits than an unverified one.
Rent, salaries, school fees, church collections, market traders, ECG credit and the person who fixes your generator all move over MoMo.
Nobody legitimate will ever ask for your MoMo PIN
Not the network, not an agent, not someone calling from customer care, not someone who says they sent you money by mistake.
The E-Levy that used to tax these transfers was repealed in 2025.