Mobile money transactions in Ghana continued their strong upward trend in April 2026, highlighting the growing dependence on digital financial services across the country.

According to the Bank of Ghana’s latest Summary of Economic and Financial Data for May 2026, the total value of mobile money transactions reached GHS493.2 billion in April 2026. This was recorded across 967 million transactions, showing a steady increase from the GHS484.6 billion recorded in March 2026.

The latest figures reflect the rapid expansion of Ghana’s digital payments ecosystem as more individuals and businesses rely on mobile money for everyday financial activities such as transfers, bill payments, savings and merchant payments.

The report also revealed that the number of registered mobile money accounts increased significantly. Registered accounts rose to 83 million in April 2026, up from 80.5 million recorded in December 2025.

Out of the total registered accounts, 26 million were active during the period under review. At the same time, the number of registered mobile money agents climbed to 992,000, with 534,000 agents actively operating nationwide.

Mobile money float balances, which represent the funds held within the system, also increased from GHS35.4 billion in March to GHS36.7 billion in April 2026. The rise suggests stronger liquidity and increased customer activity within the mobile money ecosystem.

Interoperability transactions, which allow users to transfer funds across different mobile networks and bank accounts, also recorded growth. The value of interoperability transactions reached GHS5.8 billion across 31.7 million transactions during the month.

Other digital payment channels also posted notable performances in April.

Cheque clearing transactions were valued at GHS36.6 billion from 413,000 transactions, while Automated Clearing House Direct Credit transactions reached GHS13.5 billion from 816,000 transactions.

Meanwhile, Instant Pay transfers processed through the Ghana Interbank Payment and Settlement Systems increased to GHS79 billion in April 2026, compared to GHS71.5 billion in March. Nearly 19.9 million Instant Pay transactions were recorded during the period.

The latest data further underscores Ghana’s transition toward a more digitally driven financial system, supported by increasing mobile money adoption and improvements in payment infrastructure.