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September 1, 2026
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Total mobile money transaction values grew by 50.8% to GH¢4.54trn in 2025
Money
Policy
Opportunity
Growth
Key Points
- Mobile money transaction values in Ghana surged by 50.8% to GH¢4.54 trillion in 2025, as reported by the Bank of Ghana.
- Following a 2024 agent network clean-up, active mobile money agents rebounded by 21.4% to 491,057 in 2025.
- Agent-to-Agent (A2A) transactions remained dominant, constituting 41.0% of total transaction values, essential for liquidity redistribution.
- Third-party transfers saw a slight increase to 14.9%, indicating growing integration of mobile money into merchant and commercial payments.
- Cash-based transactions (cash-in/out) decreased to 16.1%, signaling a gradual shift towards account-based and digital transaction flows.
Why This Matters
This data underscores the accelerating digitization of Ghana's economy and the critical role mobile money plays in financial inclusion and facilitating economic transactions. The shift away from cash-intensive activities towards digital platforms points to increased efficiency and potential for broader economic growth, impacting how businesses operate and individuals manage finances across the country.
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