Mobile Money Investment in Ghana - 2022/2023


 Mobile Money operation is becoming a booming business in Ghana. It is for this reason many are looking to invest in it. Here, we are going to take you through on how to invest in Mobile Money in Ghana.

Mobile Money Investment in Ghana - 2022/2023

In Ghana, mobile money services are provided by telecommunications companies like Vodafone, AirtelTigo and MTN. Mobile money transaction is on the rise in Ghana. According to reports from the bank of Ghana, over 40 million people have registered on mobile money with over 17 million active users.

Can I invest in mobile money in Ghana? Yes. Investing in mobile money is possible in Ghana. Continue reading to see the best mobile money investment opportunities in Ghana.

Mobile Money Investment Opportunities in Ghana

Below are some ways to invest in mobile money in Ghana

1. MTN Treasure Bill

MTN Treasury bills is one of the best mobile money investment opportunities in Ghana. 

How to apply for MTN Treasure Bills

  • Dial *170#
  • Enter 5 for Financial Services
  • Enter 4 for Pension and Investments
  • Select 2 to buy Treasure Bills
  • Choose option 2 (Register)
  • Enter your personal information
  • Choose Tenure and Amount
  • Enter your Next of Kin
  • Select 1 to proceed with payment
  • Enter your MM pin
  • You will receive a notification for a successful transaction

What you need to know about MTN Treasury Bills

MTN Treasury Bills, also known as Tbill4all was introduced by Ecobank Capital Advisors Ltd in partnership with MTN Ghana. Ecobank Tbill4all allows every MTN user to be able to buy treasure bills at the comfort of their homes.

With as little as ¢5 you can purchase Ecobank Tbill4all treasure bills from your MTN mobile wallet. The short code is *770#.

Advantages of MTN Treasure Bills

  • There are no taxes when you purchase Treasury Bills on the Tbill4all platform
  • You don't need bank account to purchase Treasury bill on Tbill4all
  • Your money is safe and secure
  • You can purchase Tbill4all treasure bills for a minor
  • You can also get your money back before the maturity date

Click here to read more on MTN Treasury Bills

2. Mobile Money Merchant

Mobile Money Investment in Ghana - 2022/2023

One of the best ways to invest in mobile money business in Ghana is through mobile money merchant. Mobile money operation is one of the lucrative business in Ghana if you really know what you are doing.

In Ghana, most mobile money merchants earn between GHS800 - GHS5,000 per month. The amount you earn depends on how much you have invested.

If you are too busy to operate it yourself, don't worry, you can employ someone to take care of it for you. All you have to do is to get a small container or umbrella and a merchant sim and you are good to go.

How to become a Mobile Money merchant

Go to the office to fill the Agent/Merchant form. You will be asked to attach supporting documents like business registration certificate, certificate to commence business and certificate of incorporation

Attach any valid copy of the photo of the agent account handler

Complete authentication questions (Business owner should complete only 10 out of the 21 questions

Finally, complete the MoMo Merchant agreement form and sign

Your sim card should be ready within 10 working days after presenting all relevant documents.


The above mentioned ways are so far the only mobile money investment opportunities in Ghana. 

Other related topics

How to get free data on MTN in Ghana

How to get free data on Vodafone in Ghana

Best online investment companies in Ghana

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