Mobile money transactions in Ghana amounted to GHC354.1 billion in August 2025, according to the latest Summary of Economic and Financial Data released by the Bank of Ghana (BoG).
The figure represents a slight dip from GHC355.4 billion in July but underscores the continued dominance of mobile payments in the country’s financial ecosystem.
The number of transactions climbed to 831 million in August, up from 778 million in July, reflecting the steady rise in the use of digital payment channels. Registered mobile money accounts also grew to 77.7 million, with 25.1 million active accounts, highlighting progress in financial inclusion across Ghana.
Industry analysts say that although the overall value of transactions eased marginally, the consistent growth in transaction volumes and active users demonstrates deepening trust in mobile money for everyday payments, remittances, and business transactions.
Mobile money interoperability also recorded gains, with transaction values rising to GHC4.9 billion in August, supported by 26.4 million cross-network transfers.
Despite recent currency fluctuations and fiscal pressures, analysts believe the sustained momentum of digital payments signals resilience in Ghana’s payment systems and cements mobile money as a cornerstone of the financial sector.
