The value of mobile money transactions in Ghana reached GH¢518.8 billion in August 2026, according to data from the Bank of Ghana. This represents a significant increase from GH¢354.1 billion recorded in the same period last year. The growth highlights the expanding role of digital payments and mobile money in Ghana's economy. The transaction value for August 2026 also saw a slight increase from GH¢509.4 billion recorded in July 2026.
The Bank of Ghana's September 2026 Summary of Economic and Financial Data shows that the 46.5% year-on-year increase in mobile money transactions is a substantial growth. This surge indicates a continued reliance on digital financial services for transactions. In August 2026, the total volume of mobile money transactions was 1.046 billion, up from 969 million transactions in July 2026.
The growth in transaction values is accompanied by an expanding mobile money user base. As of August 2026, Ghana had 85.8 million registered mobile money accounts. Out of these, 26.4 million accounts were active, meaning they had at least one transaction in the 90 days preceding the reporting period. The number of active mobile money agents also increased to 594,000 in August 2026, from 550,000 in July 2026.
The balance on mobile money float, which represents the funds held in mobile money accounts, stood at GH¢39.8 billion in August 2026. This was a slight increase from GH¢39 billion recorded in the previous month. The growth in mobile money transactions and accounts highlights the increasing adoption of digital financial services in Ghana.
The Bank of Ghana defines active mobile money accounts as those that transacted at least once in the 90 days before reporting. Active agents are those who transacted at least once in the 30 days before reporting. These metrics provide insight into the level of activity and usage of mobile money services in the country.
The surge in mobile money transactions underscores the importance of digital channels in facilitating payments and transfers for individuals and businesses. The continued growth in mobile money usage reflects a broader trend towards digitalization of financial services in Ghana.
Key figures for mobile money transactions in Ghana as of August 2026 include a transaction value of GH¢518.8 billion, 1.046 billion transactions, 85.8 million registered accounts, 26.4 million active accounts, 594,000 active agents, and a float balance of GH¢39.8 billion. These metrics demonstrate the significant role of mobile money in Ghana's financial landscape.
Key points
- Mobile money transactions in Ghana reached GH¢518.8 billion in August 2026, a 46.5% increase from the same period last year.
- Ghana had 85.8 million registered mobile money accounts and 26.4 million active accounts as of August 2026.
- The number of active mobile money agents in Ghana increased to 594,000 in August 2026, from 550,000 in July 2026.
