How to Send Money from South Africa to AirtelTigo AT Money Ghana

Sending money from South Africa to AirtelTigo AT Money Ghana is possible through international remittance services that support the Ghana mobile-wallet network.

The service is now generally branded AT Money. The Bank of Ghana's current licensed-payment-provider list identifies Airtel Mobile Commerce (Ghana) Limited as a licensed Dedicated Electronic Money Issuer and links its website to the AirtelTigo Money service. Bank of Ghana — Licensed PSPs

AT Ghana's own customer FAQ says international remittances can be sent directly into any registered AT Money wallet. It lists MoneyGram, WorldRemit and Mama Money among the remittance services available, with Mama Money specifically identified for South Africa. AT Ghana — FAQ

For readers searching for the older name, AirtelTigo Money remains an important keyword.

The current local brand is AT Money.

The payment use case is the same: money sent from South Africa can reach an eligible Ghana mobile wallet through a supported remittance provider.

The latest Bank of Ghana data show that Ghana had 85 million registered mobile-money accounts and 26 million active mobile-money accounts in June 2026. Mobile money processed 954 million transactions worth GH¢492.91 billion that month. Bank of Ghana — Summary of Economic and Financial Charts, July 2026

Ghana's remittance market is also substantial.

The Bank of Ghana Governor said remittance inflows reached nearly US$7.8 billion by the end of 2025, equivalent to roughly 6% of GDP. Bank of Ghana — Diaspora Roundtable Speech

This article focuses specifically on receiving money into AT Money from South Africa.

For the broader corridor, see how to send money from South Africa to Ghana.

South Africa to AT Money Ghana at a Glance

• 85 million — registered mobile-money accounts in Ghana in June 2026.

• 26 million — active mobile-money accounts in Ghana in June 2026.

• 954 million — mobile-money transactions in Ghana in June 2026.

• GH¢492.91 billion — mobile-money transaction value in Ghana in June 2026.

• Nearly US$7.8 billion — broader remittance inflows Ghana recorded by the end of 2025.

• R25,000 — Mama Money's current standard South Africa-to-Ghana sending limit before its higher-limit upgrade.

• R100,000 — Mama Money's current upgraded monthly sending limit for Ghana.

• 5% or less — Mama Money's published Ghana transfer fee.

• R199 — Mama Money's published maximum Ghana transfer fee.

• GHS2,000 — WorldRemit's current maximum per Airtel Ghana mobile-money transfer.

• GHS4 — WorldRemit's current minimum Airtel Ghana mobile-money transfer.

• GHS3,000 — AT Money Bronze/Minimum KYC maximum wallet balance.

• GHS2,000 — AT Money Bronze/Minimum KYC aggregate daily transaction limit.

• GHS6,000 — AT Money Bronze/Minimum KYC aggregate monthly transaction limit.

• GHS25,000 — AT Money Gold/Medium KYC maximum wallet balance.

• GHS10,000 — AT Money Gold/Medium KYC aggregate daily transaction limit.

• GHS50,000 — AT Money Platinum/Enhanced KYC maximum wallet balance.

• GHS15,000 — AT Money Platinum/Enhanced KYC aggregate daily transaction limit.

These figures come from different sources.

The Bank of Ghana figures describe Ghana's overall mobile-money market.

The AT Money figures describe local wallet tiers.

Mama Money and WorldRemit figures describe provider-side limits.

They should not be combined into one universal South Africa-to-AT Money limit.

What Is AirtelTigo AT Money?

AirtelTigo Money was the mobile-money service formed from the Airtel and Tigo combination in Ghana.

The service now operates under the AT brand.

AT's official terms identify the legal entity as Airtel Mobile Commerce (Ghana) Limited and call the service AT Money. AT Ghana — AT Money Terms and Conditions

The Bank of Ghana's current licensed PSP list also identifies Airtel Mobile Commerce (Ghana) Limited as a Dedicated Electronic Money Issuer. Bank of Ghana — Licensed PSPs

This means a search for AirtelTigo Money, AirtelTigo AT Money or AT Money can point to the same underlying Ghana mobile-money service.

For SEO, keeping the historic name in the article is useful.

For accuracy, the current service name should be AT Money.

Can You Send Money from South Africa to AT Money Ghana?

Yes.

AT Ghana says international remittances can go directly into registered AT Money wallets.

Its FAQ lists MoneyGram, WorldRemit and Mama Money among supported international remittance services and identifies Mama Money as the South Africa-specific option. AT Ghana — FAQ

WorldRemit currently lists AirtelTigo as one of the mobile-money partners available in Ghana. WorldRemit — Mobile Money to Ghana

Mama Money currently lists Airtel as one of the Ghana mobile-wallet payout options available to South African senders. Mama Money — Send Money to Ghana

This creates a direct receiving route for eligible AT Money wallets.

Which Provider Can a South African Sender Use?

Provider availability can change.

AT's own FAQ specifically names Mama Money — South Africa among its international remittance services. AT Ghana — FAQ

WorldRemit also documents AirtelTigo as a Ghana mobile-money payout partner. WorldRemit — Mobile Money to Ghana

The safest approach is to check the provider's live South Africa-to-Ghana transfer flow before paying.

For the main country page, see how to send money from South Africa to Ghana.

How to Send Money from South Africa to AT Money Ghana

The screens vary by provider.

The process is broadly similar.

1. Choose a supported provider

Confirm that the provider accepts senders in South Africa.

Confirm Ghana is supported.

Then confirm AirtelTigo, Airtel Ghana or AT Money is available as the mobile-wallet payout.

2. Register and verify your account

International remittance services normally require identity verification.

WorldRemit's South Africa service says customers can be required to provide identification and supporting information. WorldRemit — Sending from South Africa

Mama Money also requires customers to upload identity documents and complete a selfie during registration. Mama Money — Send Money to Ghana

3. Select Ghana

Choose Ghana as the receiving country.

Select mobile money.

Choose AirtelTigo or the equivalent AT Money destination shown by the provider.

4. Enter the recipient's details

Use the recipient's full legal name.

Enter the AT Money mobile number exactly as registered.

The wallet must be active and registered.

WorldRemit says Ghana mobile-money accounts must be fully registered and active. WorldRemit — Mobile Money to Ghana

5. Enter the ZAR amount

Enter how much you want to send in South African rand.

The provider should display the expected amount in Ghanaian cedi.

6. Check the exchange rate

Review the ZAR-to-GHS rate.

Then check the provider fee.

Finally, compare the final GHS amount.

7. Pay

Depending on the provider, payment may be possible by bank transfer, card or cash.

Mama Money supports online banking, EFT and cash payments through participating retail partners. Mama Money — Send Money to Ghana

WorldRemit also supports bank and card funding where available for the South African customer. WorldRemit — Sending from South Africa

8. Keep the reference number

Save the transaction reference.

The recipient should confirm once the AT Money wallet shows the funds.

How Fast Does AT Money Receive the Transfer?

The actual timing depends on the remittance provider.

WorldRemit lists Ghana mobile-money transfers as an instant payout service and identifies AirtelTigo among its Ghana mobile-money partners. WorldRemit — Mobile Money to Ghana

Mama Money says Ghana mobile-wallet transfers are sent within minutes. Mama Money — Send Money to Ghana

AT Ghana says international remittances are credited directly into registered AT Money wallets. AT Ghana — FAQ

An individual transaction can still take longer if the sender's payment has not cleared or additional verification is required.

What Currency Does AT Money Receive?

The recipient receives Ghanaian cedi.

The sender pays in South African rand.

The remittance provider converts the funds and pays out in GHS.

WorldRemit says Ghana mobile-money transfers arrive in the local currency, Ghanaian cedi. WorldRemit — Mobile Money to Ghana

Does the Recipient Need a Bank Account?

No.

The recipient needs an active AT Money wallet.

AT's own terms say customers are not required to hold a bank account to use AT Money. AT Ghana — AT Money Terms and Conditions

That is one of the main advantages of the mobile-wallet receiving route.

Can AT Money Receive International Remittances?

Yes.

AT Ghana's FAQ explicitly says international remittance services can deposit money directly into any registered AT Money wallet. AT Ghana — FAQ

The listed remittance options include MoneyGram, WorldRemit and Mama Money.

The recipient does not need to subscribe separately to an international remittance service.

The sender selects the provider.

Is Receiving International Money Free?

AT Ghana's FAQ says no charges are applied for the international-remittance service into an AT Money wallet. AT Ghana — FAQ

That does not mean every subsequent wallet action is free.

Cash withdrawals and other wallet transactions can carry applicable charges.

The sender can also pay the remittance provider's fee.

What Are the AT Money Wallet Limits?

AT Money uses customer grades tied to KYC levels.

For Bronze or Minimum KYC, AT's current terms list a maximum wallet balance of GHS3,000, an aggregate daily transaction limit of GHS2,000 and an aggregate monthly transaction limit of GHS6,000.

For Gold or Medium KYC, AT lists a maximum wallet balance of GHS25,000, an aggregate daily transaction limit of GHS10,000 and no stated monthly transaction limit. AT Ghana — AT Money Terms and Conditions

For Platinum or Enhanced KYC, AT lists a maximum wallet balance of GHS50,000, an aggregate daily transaction limit of GHS15,000 and no stated monthly transaction limit. AT Ghana — AT Money Terms and Conditions

These are current AT Money wallet rules.

A remittance provider can impose a lower payout limit.

What Is the WorldRemit Limit for AirtelTigo?

WorldRemit's current Ghana mobile-money documentation lists GHS2,000 maximum per transfer for Airtel Ghana. WorldRemit — Mobile Money to Ghana

It lists a GHS4 minimum per transfer for Airtel Ghana. WorldRemit — Mobile Money to Ghana

The same page continues to describe the partner as AirtelTigo in its Ghana network list.

This is a WorldRemit limit.

It is not automatically the AT Money wallet limit.

What Is Mama Money's Limit for Ghana?

Mama Money currently says customers can send up to R25,000 per month to Ghana before upgrading.

It says customers can upgrade to send up to R100,000 per month.

These are South African sender-side limits.

The recipient's AT Money wallet has its own KYC-based limits.

How Much Does It Cost to Send Money to AT Money?

There is no universal South Africa-to-AT Money fee.

Mama Money currently says its Ghana fee is 5% or less, depending on how much is sent.

It also states a maximum fee of R199.

Those are Mama Money's published charges.

They are not a universal price for every provider.

Why the Exchange Rate Matters

The transfer fee is only one part of the cost.

A provider can advertise a low fee and still deliver fewer Ghana cedis through its exchange rate.

Another provider can charge a higher fee but provide a stronger ZAR-to-GHS exchange rate.

The best comparison is the final GHS amount received.

For the wider cost issue, see cross-border payments in South Africa.

Does Ghana's E-Levy Apply to the International Transfer?

WorldRemit currently says Ghana's E-Levy does not apply to international money transfers received through its service.

The historical rate shown on WorldRemit's Ghana information is 1.5%, but the levy treatment for international remittances is different from covered domestic electronic transfers.

For the current legal position, use Bank of Ghana and Ghana Revenue Authority guidance rather than an old provider explainer. Bank of Ghana — Inward Remittance Guidelines

What Information Do You Need to Send to AT Money?

Have the recipient's full name.

Have the recipient's AT Money mobile number.

Confirm the wallet is active.

Confirm the number matches the wallet registration.

WorldRemit says Ghana mobile-money transfers require the recipient's full name, city and mobile-money account number. WorldRemit — Mobile Money to Ghana

The provider can also request a contact number and the purpose of the transfer.

How Are Airtel Ghana Numbers Identified?

WorldRemit's Ghana mobile-money information says Airtel Ghana mobile-money numbers generally begin with 26 or 56.

It also says mobile-money numbers are 9 digits excluding the country code.

These details are useful when selecting the payout network.

A current provider interface remains the final check because numbering arrangements can change.

Does the Recipient Need a Personal Wallet?

Yes for the documented international-remittance route.

WorldRemit's Ghana guidance specifically says mobile-money accounts must be fully registered and active.

For MTN, its current guidance also says international transfers cannot be credited to MTN business mobile-money accounts.

The safest approach for AT Money is to use the registered personal wallet details shown in the provider's transfer flow.

Can the Recipient Withdraw the Money?

Yes.

AT Money supports cash withdrawals through authorised AT Money agents.

AT's terms state that customers can deposit and withdraw money through authorised AT Money agents. AT Ghana — AT Money Terms and Conditions

The applicable cash-out tariff depends on the current transaction amount and AT Money tariff.

Can the Recipient Spend the Money Without Cashing Out?

Yes.

AT Money allows customers to send and receive money, buy airtime, pay bills and pay for goods and services from the mobile phone. AT Ghana — AT Money Terms and Conditions

This means a remittance can remain digital after it arrives.

Can the Recipient Send the Money to Another Network?

AT Money supports transfers to other mobile-money networks.

AT's customer information says customers can send money to other networks through its mobile-money service. AT Ghana — AT Money FAQ

The exact networks, limits and fees should be checked in the current AT Money menu.

Can the Recipient Transfer AT Money to a Bank?

AT Money provides bank-transfer functionality.

The recipient should check the current AT Money menu and supported banks before attempting a bank transfer.

For people who prefer direct bank delivery from South Africa, see send money from South Africa to a bank account in Ghana.

Can You Send Money to AT Money from a South African Bank Account?

Yes, where the provider supports bank-funded transfers.

WorldRemit supports bank-account funding for eligible South African customers.

Mama Money supports online banking and EFT.

The sender pays the provider in ZAR.

The provider then completes the international payout into the AT Money wallet.

Can You Pay Cash in South Africa?

Yes, where the remittance provider supports cash funding.

Mama Money allows cash payments through participating retail partners in South Africa. Mama Money — Send Money to Ghana

This can be useful when the sender does not want to fund the transfer directly from a bank account.

Can You Pay With a Debit or Credit Card?

Some providers support card funding.

WorldRemit supports debit and credit cards for eligible customers where the method is available.

The exact payment options shown to a South African customer should be checked before confirmation.

How Large Is Ghana's Mobile-Money Market?

The Bank of Ghana recorded 85 million registered mobile-money accounts in June 2026.

It recorded 26 million active mobile-money accounts.

Mobile money processed 954 million transactions worth GH¢492.91 billion during the month.

These figures cover all Ghanaian mobile-money activity.

They are not AT Money-specific transaction figures.

Ghana's Mobile-Banking Market Is Growing Too

The Bank of Ghana's 2025 annual report says mobile-banking transaction value increased by 130.5% in 2025.

Transaction volume increased by 31.6%.

Mobile-banking transaction value reached GH¢379.24 billion.

The volume reached 203,069,313 transactions.

These figures are useful context for the wider financial infrastructure behind Ghanaian digital payments.

Ghana's Remittance Market Is Large

The Bank of Ghana Governor said Ghana recorded approximately US$4.6 billion in remittances in 2024.

He said the flow rose to nearly US$7.8 billion by year-end 2025.

The Governor said remittances were roughly 6% of GDP.

The statement uses a broader remittance measure than some balance-of-payments tables.

That definition should be preserved when quoting the figure.

Why the AT Money Route Matters

A mobile wallet removes the need for the recipient to wait for a conventional bank deposit.

It also fits Ghana's broader digital-payment environment.

The Bank of Ghana recorded 85 million registered mobile-money accounts in June 2026.

It recorded 26 million active accounts.

The system processed 954 million transactions worth GH¢492.91 billion.

The figures show why mobile-wallet remittances are an important part of Ghana's payment ecosystem.

Is AT Money Regulated?

Yes.

The Bank of Ghana's current licensed-PSP list identifies Airtel Mobile Commerce (Ghana) Limited as a Dedicated Electronic Money Issuer. Bank of Ghana — Licensed PSPs

That is different from saying every third-party remittance provider is licensed by the same authority.

The sender should verify the remittance provider and the payout arrangement separately.

Why Provider Regulation Matters

Ghana's remittance framework requires international money-transfer operators to work through approved payment-service providers and comply with the Bank of Ghana's requirements.

The central bank's updated guidance covers inward remittance services into bank accounts, mobile-money wallets and other approved electronic accounts. Bank of Ghana — Updated Inward Remittance Guidelines

The Bank of Ghana has also published recent notices concerning unapproved money-transfer operators and enforcement of remittance rules. Bank of Ghana — Unapproved MTOs

Use a legitimate provider rather than an informal operator advertising an unusually high exchange rate.

Can You Send Money for Family Support?

The answer depends on the sender's status and provider rules.

Some South African remittance services impose restrictions on certain personal transfers.

WorldRemit's South Africa guidance states that South African citizens and permanent residents cannot use its service to support friends and family abroad under its current rules. WorldRemit — Sending from South Africa

This is a provider-specific rule.

A different provider can have different terms.

Can You Send Money for School Fees?

Potentially, where the provider permits the transaction.

Use the actual purpose of the payment.

Keep the school invoice or receipt where appropriate.

Do not misstate the reason for payment to bypass a provider rule.

Can You Send Money for Medical Expenses?

Potentially, where permitted by the provider.

Use the actual purpose.

For larger transfers, keep supporting documents.

A provider can request additional information as part of its compliance process.

Can You Send a Business Payment to AT Money?

An international transfer to a mobile-money wallet is not automatically the same thing as a business bank payment.

AT Money's current terms allow the service to be used for sending and receiving money and paying for goods and services.

For larger or recurring commercial payments, a bank or dedicated business-payment route may be more appropriate.

For the wider infrastructure, see cross-border payments in Africa.

What Happens If the Recipient Gives You the Wrong Number?

Do not confirm the transaction until the number has been verified.

WorldRemit requires the recipient's mobile-money account number and full name for Ghana wallet transfers. WorldRemit — Mobile Money to Ghana

Once a wallet transfer has been credited, recovery can be difficult.

AT Money's terms say a wrong transfer must be reported within 30 days for the service to consider a reversal, and applicable reversal fees can apply.

Do not rely on a reversal.

Verify before sending.

What If the Transfer Is Delayed?

Check the remittance provider's transaction status.

Confirm your South African payment cleared.

Verify the recipient's AT Money number.

Confirm the wallet is active.

Check whether the provider requested additional documents.

Then contact support with the transaction reference.

Do not send a second transfer until the first one has been traced.

What Should You Compare Before Sending?

Compare the amount paid in rand.

Compare the provider fee.

Compare the ZAR-to-GHS exchange rate.

Compare the final GHS payout.

Compare delivery time.

Check the South African sender limit.

Check the AT Money wallet limit.

Verify the recipient's number.

Check the provider's current terms.

The final GHS payout is usually the most useful single comparison.

South Africa to AT Money Ghana: Key Statistics

• 85 million — registered mobile-money accounts in Ghana in June 2026.

• 26 million — active mobile-money accounts in June 2026.

• 954 million — mobile-money transactions in June 2026.

• GH¢492.91 billion — mobile-money transaction value in June 2026.

• Nearly US$7.8 billion — broader remittance inflows at the end of 2025.

• GHS2,000 — WorldRemit's maximum per Airtel Ghana mobile-money transfer.

• GHS4 — WorldRemit's minimum Airtel Ghana mobile-money transfer.

• GHS3,000 — Bronze/Minimum KYC maximum AT Money wallet balance.

• GHS2,000 — Bronze/Minimum KYC AT Money daily transaction limit.

• GHS6,000 — Bronze/Minimum KYC AT Money monthly transaction limit.

• GHS25,000 — Gold/Medium KYC maximum AT Money wallet balance.

• GHS10,000 — Gold/Medium KYC AT Money daily transaction limit.

• GHS50,000 — Platinum/Enhanced KYC maximum AT Money wallet balance.

• GHS15,000 — Platinum/Enhanced KYC AT Money daily transaction limit.

• R25,000 — Mama Money standard Ghana sending limit.

• R100,000 — Mama Money upgraded monthly Ghana limit.

• 5% or less — Mama Money published Ghana transfer fee.

• R199 — Mama Money maximum Ghana fee.

• R25,000 — Mama Money Ghana per-month amount before upgrade.

• 30 days — AT Money reporting window for a wrong transfer to be considered for reversal.

Frequently Asked Questions

Can I send money from South Africa to AirtelTigo AT Money Ghana?

Yes. AT Ghana says international remittances can be sent directly into registered AT Money wallets, and it specifically lists Mama Money as a South Africa remittance option. WorldRemit also lists AirtelTigo as a Ghana mobile-money partner.

What is AirtelTigo Money called now?

The current local service is AT Money. Airtel Mobile Commerce (Ghana) Limited remains the licensed electronic-money issuer identified by the Bank of Ghana.

Which provider can I use from South Africa?

AT Ghana specifically lists Mama Money for South Africa. WorldRemit also documents AirtelTigo as a Ghana mobile-money payout partner.

How do I send money to AT Money?

Register with a supported provider, select Ghana, choose the AirtelTigo/AT Money mobile-wallet payout, enter the recipient's registered number and details, review the ZAR fee and GHS payout, then complete payment.

How fast is the transfer?

WorldRemit describes its Ghana mobile-money service as instant, while Mama Money says Ghana mobile-wallet transfers are sent within minutes. Individual transactions can take longer if verification or payment clearing is required.

Does the recipient need a bank account?

No. AT Money's own terms say customers are not required to have a bank account to use the service.

What currency does the recipient get?

The recipient receives Ghanaian cedi.

What is the WorldRemit Airtel limit?

WorldRemit currently lists GHS2,000 as the maximum Airtel Ghana mobile-money transfer and GHS4 as the minimum.

What are the AT Money wallet limits?

AT's current terms show Bronze, Gold and Platinum KYC grades with different wallet and transaction limits. The applicable limit depends on the customer's KYC level.

Can the recipient cash out?

Yes. AT Money supports withdrawals through authorised AT Money agents.

Is receiving an international remittance free?

AT Ghana says no charges are applied for international remittances credited to AT Money wallets. Other wallet activity, such as withdrawals, can have separate charges.

Can I pay from a South African bank account?

Yes, where the chosen remittance provider supports bank-funded transfers.

Can I pay cash?

Yes, where the selected provider offers cash funding. Mama Money supports cash payment at participating South African retail partners.

Can I pay by card?

Some providers support debit or credit cards. Check the live South African transfer flow.

Does Ghana's E-Levy apply to the international transfer?

WorldRemit currently states that the E-Levy does not apply to international money transfers received through its service. Check the current Bank of Ghana and Ghana Revenue Authority position for legal or tax questions.

Can I send to an AT Money business wallet?

Use the provider's current rules carefully. The documented international remittance route should be sent to a registered eligible wallet, and commercial payments may be better suited to a bank or business-payment channel.

What if I enter the wrong number?

Do not confirm the payment until the recipient number is verified. AT Money's terms provide a reversal process for certain wrong transfers reported within 30 days, but recovery is not guaranteed.

The Bottom Line

Sending money from South Africa to AirtelTigo AT Money Ghana is a supported mobile-wallet remittance use case.

The local service is now branded AT Money.

AT Ghana's own FAQ confirms that international remittances can be credited directly into registered AT Money wallets and specifically lists Mama Money for South Africa. AT Ghana — FAQ

WorldRemit also lists AirtelTigo as a Ghana mobile-money partner. WorldRemit — Mobile Money to Ghana

The wider Ghanaian mobile-money market is substantial.

The Bank of Ghana recorded 85 million registered mobile-money accounts and 26 million active accounts in June 2026.

Mobile money processed 954 million transactions worth GH¢492.91 billion that month.

The Governor of the Bank of Ghana said Ghana received nearly US$7.8 billion in broader remittance inflows by the end of 2025.

For a South African sender, the practical checklist is simple.

Use a supported provider.

Verify the recipient's AT Money number.

Make sure the wallet is registered and active.

Check the ZAR fee.

Check the ZAR-to-GHS exchange rate.

Check the final GHS payout.

Check both the provider limit and the wallet limit.

Keep the transaction reference.

WorldRemit's current Airtel Ghana limit is GHS2,000 per transfer.

AT Money's current KYC tiers range from a GHS3,000 wallet balance for Bronze to a GHS50,000 wallet balance for Platinum.

Mama Money currently states R25,000 per month before upgrade and R100,000 per month after upgrade.

These are separate limits from the recipient wallet.

The final price should also be compared carefully.

Do not compare the visible fee alone.

Compare the exchange rate and the final amount received in Ghana cedis.

For the main corridor page, see how to send money from South Africa to Ghana.

For the bank-account receiving method, see how to send money from South Africa to a bank account in Ghana.

For the wider African market, see cross-border payments in Africa.

For the sending market, see cross-border payments in South Africa.

The customer journey should be simple.

Pay in rand.

The provider handles the conversion.

AT Money receives the funds.

The recipient gets Ghanaian cedi.