The agent network also expanded significantly, reaching 491,000 active agents by the end of the year, ensuring mobile money services were accessible to millions across the country. Balances held in mobile money wallets hit GH¢39.6 billion, the highest level in 2025, pointing to growing trust in mobile wallets not only as a payment tool but also as a safe store of value. Interoperable transactions, or cross-network transfers, gained momentum as well, rising to GH¢5.8 billion in December from GH¢4.9 billion in November, boosted by holiday season transfers across different platforms. Cheque transactions amounted to GH¢37.3 billion in December, while GhIPSS Instant Pay recorded GH¢73.3 billion. With smartphone penetration rising, agent networks expanding, and consumer confidence growing, mobile money is expected to maintain its upward trajectory into 2026, reshaping how Ghanaians spend, save, and transfer money.

Source: GhanaWeb January 28, 2026 15:07 UTC