How to Send Money from the UK to Mobile Wallets in Ghana

In this guide, you will learn the different options for sending money from the UK to a mobile wallet in Ghana and step-by-step instructions to complete the transfer.

Choosing a Mobile Money Service in Ghana

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The first step is choosing which mobile money service to use for receiving the funds. The main options are:
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MTN Mobile Money

• Most popular mobile money service in Ghana with over 15 million user
• Available to MTN subscribers only
• Charges low fees for deposits 

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Airtel Money & Tigo Cash

• Used by over 7 million subscribers
• Available to Airtel and Tigo users
• Provides free deposits up to GHS 1,000 daily

Vodafone Cash

• Used by over 5 million Vodafone subscribers 
• Deposits are free of charge
• Has extensive agent network across Ghana

Zeepay

• Fast growing fintech for mobile transfers
• Non-telco affiliated so anyone can use it
• Low cost transfers with multiple pick-up options

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Select a service that is convenient for you and the recipient. MTN and Zeepay allow cash pick-up from agents nationwide while Airtel , Tigo Cash and Vodafone Cash require a mobile wallet account.

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Sending Money from the UK to Ghana 

There are several options for sending money from the UK to Ghana. The main methods are:

Money Transfer Operators

Services like PassTo and WorldRemit allow online transfers directly to mobile wallets in Ghana.

• Fast sign up and transfers 
• Various funding options like bank transfer, card payment 
• Lower fees compared to traditional remittance
• Convenient tracking system

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Bank Transfers

Banks like Barclays and Santander offer international transfers to Ghana. 

• Ability to send large amounts
• May require recipient to have a bank account
• Takes 1-3 business days, no weekend transfers
• Higher fees than digital remittance 
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Cash Pick Up

You can deposit cash at a money transfer outlet in the UK like Western Union. Recipient picks it up at an agent location in Ghana.

• Wide agent network in both countries
• Fast transfer with cash pay-in and payout
• Higher fees than digital remittance  
• Inconvenient agent visits required

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For fast, affordable transfers, digital remittance services like PassTo are the best option for sending money directly to mobile wallets in Ghana.

Step-by-Step Guide To Transfer Money To Ghana From UK

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Follow these simple steps to complete your transfer:

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• ‍Step 1: Sign Up for a Service: Register for a money transfer service like PassTo. You just need your details like name, address, ID copy and bank account info. ‍
• Step 2: Choose the Recipient's Mobile Wallet: Pick the recipient's mobile money service like MTN Mobile Money and enter their phone number registered to the wallet.‍
• Step 3: Send the Money: Select your transfer amount, funding method and send the money. Transfers can take minutes depending on the money transfer provider.‍
• Step 4: Share Details with Recipient: Provide the recipient with transfer details like the reference number so they can identify and withdraw the funds easily.
• ‍Step 5: Confirm Receipt: Your recipient will get a notification when the money is received in their mobile wallet account. They can instantly access the funds or cash out at an agent location.
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By following these simple steps, you can securely send money and have it deposited directly into a mobile wallet in Ghana within minutes. The convenience, speed and lower cost make services like WorldRemit the best option for transfers to Ghana from the UK.

5 Tips for Hassle-Free Transfers

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Here are some additional tips for a smooth and successful transfer:

1. Compare services to find the best fees and exchange rates for your transfer amount.
2. Time your transfer - avoid weekends and non-business days to reduce delays. 
3. Check limits - some mobile wallets have limits on inward transfers.
4. Notify recipient - inform them of the transfer details and amount beforehand.  
5. Follow up - confirm with the recipient they've received the funds in their mobile wallet.

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The Benefits of Sending Money from UK to Mobile Wallets in Ghana

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Using mobile wallets for receiving money transfers has many benefits for Ghanaians:

• Convenience - funds directly deposited to the mobile money account
• Accessibility - ability to withdraw cash from nationwide agents 
• Security - avoids risks of carrying cash 
• Affordability - lower fees than traditional remittance
• Speed - near instant transfers compared to bank processes  

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As mobile money services continue expanding across Ghana, transferring funds directly to mobile wallets is becoming the preferred way for diaspora to support families back home. The convenience, security and ease make it an excellent choice over traditional methods.

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Conclusion

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Sending money from the UK to mobile wallets in Ghana is now faster, more convenient and lower cost than ever before thanks to innovative services like PassTo. Following the steps outlined in this guide, you can securely transfer funds that your recipient can easily access in minutes from their mobile money account. 

Leveraging mobile wallets provides a safer, instant and affordable way to send support to loved ones compared to traditional remittance methods. As adoption of mobile money increases across Ghana, transferring funds directly to mobile wallets will only become easier and more widespread.

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