That is 0.4% of the amount. Flat fee from GH₵ 2,000 up.
Same cash, taken in pieces
How you take it out
Total fee
One cash-out of GH₵ 5,000
GH₵ 20
2 cash-outs of GH₵ 2,500
GH₵ 40
4 cash-outs of GH₵ 1,250
GH₵ 50
5 cash-outs of GH₵ 1,000
GH₵ 50
10 cash-outs of GH₵ 500
GH₵ 50
The fee is the same or lower than splitting GH₵ 5,000 into several cash-outs, if your wallet limit allows it. This is worked out from the price in the calculator, not quoted from anyone.
Only MTN MoMo is shown. We did not find the same price confirmed in several places for Telecel Cash or AT Money, so we show no number for them. Fees can change: check your own network’s current price on your phone or at the agent before you cash out.
The fee is not the only limit. MTN lists a daily limit by wallet level (since 1 March 2024): Minimum KYC GH₵ 3,000, Medium KYC GH₵ 15,000, Enhanced KYC GH₵ 25,000. MTN and the Bank of Ghana pages we read do not say whether cash-out counts towards it, so check your own limit with your network (MTN: dial *170#, choose 6, then 8). Read 3 October 2026: MTN’s table, Graphic Online.
GH₵ 5,000 is more than the daily limit MTN lists for Minimum KYC (GH₵ 3,000). If your wallet is at that level and the limit counts cash-out, you may need more than one day. Check your own limit.
Sending money is not shown. Pages disagree on the price of sending MoMo to another wallet, and we did not confirm it from MTN’s own pages, so we do not guess. The 0.75% fee on wallet-to-bank transfers was suspended and is not being charged: read what is true.
How much is the MTN MoMo cash-out charge on GH₵ 5,000?
GH₵ 20 flat on MTN MoMo, last checked 3 October 2026. That is 0.4% of the amount.
Is it cheaper to cash out GH₵ 5,000 in smaller amounts?
No. From GH₵ 2,000 up the fee is a flat GH₵ 20, so taking out GH₵ 5,000 in one go costs GH₵ 20, if your wallet limit allows the amount. The table on this page shows the same cash taken in smaller pieces.
What about the fee for sending GH₵ 5,000?
We do not show a send-money price because pages disagree and we found no MTN page that settles it. Check your network’s current price.
Where this comes from
The MTN cash-out price (GH₵ 0.50, 1%, GH₵ 20 flat) as checked on 3 October 2026. The GH₵ 0.50 figure is from pages other than MTN:
MTN Ghana help centre, cash-out fees above GH₵ 50 (MTN's own page). Read 3 Oct 2026 through MTN's public help-centre feed (article last updated 1 Mar 2024). It gives 1% from GH₵ 50 to GH₵ 2,000 and GH₵ 20 flat from GH₵ 2,000. It does not state the GH₵ 0.50 fee under GH₵ 50: that one comes from the pages below only.
3News, 29 February 2024: the March 2024 change. Read 3 Oct 2026. Gives GH₵ 0.50 up to GH₵ 50 (the GH₵ 0.50 figure is from this and the pages below, not from MTN), 1% from GH₵ 50 to GH₵ 2,000, GH₵ 20 flat from GH₵ 2,000.