For many Nigerians supporting family, sending money to business partners, or paying for goods and services in Ghana has long been a headache. Informal agents and cash channels are common, but they’re often slow, unreliable, and eat into your funds.
MiniPay offers a faster, safer, and more transparent way to send value across borders.
With MiniPay, you can send funds from Nigeria to Ghana in under five seconds for around $0.001 (about ₦2) per transfer. You can top up with local payment methods like bank transfer in Nigeria and your recipient gets full control: they can withdraw Ghana Cedis to MoMo at the best available rates, or spend directly from the app.
Skip the Agents. Take Control.
Transfers land in under 5 seconds. Recipients keep more Cedis, every time.
👉 Check Naira 🇳🇬→ Cedis 🇬🇭 rates live*
Why Nigerians choose MiniPay for sending funds to Ghana
MiniPay is not another remittance middleman. It’s a self-custodial wallet powered by digital dollars (USDT) that cuts out delays and hidden costs. Here’s what makes it different:
- Ultra-low transfer cost → around ₦2 per transfer.
- Instant speed → value arrives in the Ghana in less than 5 seconds.
- Recipient choice → your recipient in Ghana chooses when and how to withdraw, always seeing the best available rates.
- Zero withdrawal fees* → withdrawals to mobile money (Momo, Airtell, M-PESA) are free with select providers.
The result? Better end-to-end rates for your Naira when sending to Ghana.
Everyday benefits for recipients in Ghana
When your recipient gets funds in MiniPay, they aren’t locked into one choice. Instead, they can:
- Withdraw at the best MoMo rates: Recipients compare withdrawal offers side by side and select the most favorable.
- Hold funds safely in digital dollars: Instead of cashing out immediately, they can store value in the wallet. With MiniPay Boost, they even earn daily rewards — up to 2% weekly*.
- Spend directly from MiniPay: With integrated Mini Apps, recipients can buy airtime, pay bills, or shop for vouchers straight from the app.
This flexibility means your send goes further, adapting to their real-life needs.
How MiniPay compares to agents and traditional apps
With MiniPay, there are no middlemen and no surprises. What you send is what arrives.
How to send funds from Nigeria to Ghana with MiniPay
- Download the MiniPay app on your Android or iOS phone.
- Fund your wallet in Naira using supported payment methods like bank transfer, Opay, Moniepoint and more (powered by third-party providers)
- Enter your recipient’s phone number in Ghana (they’ll need MiniPay installed).
- Recipient receives instantly and chooses the best MoMo withdrawal option.
-min.png)
It’s that simple. No agents, no delays, no hidden fees.
MiniPay Cash Links: send even if they don’t have MiniPay
Not everyone in Ghana has MiniPay yet — but that doesn’t have to stop your transfer. With MiniPay Cash Links, you can send value instantly to anyone using their favourite chat or messenger app.
- You generate a prefunded cash link inside MiniPay.
- Share it via WhatsApp, Telegram, SMS, or email.
- The recipient clicks the link to claim the funds instantly in their MiniPay wallet.
- If they don’t already have the app, they’ll be guided to download and claim in one step.
This means you don’t need to worry about whether your recipient already has MiniPay. They can get started directly from your transfer — no delays, no setup hurdles.
👉 Cash Links are instant, cost less than $0.01 per transfer, and give your recipients in Ghana a smooth way to claim the funds you send them.
Skip the Agents. Take Control.
Transfers land in under 5 seconds. Recipients keep more Cedis, every time.
👉 Check Naira 🇳🇬→ Cedis 🇬🇭 rates live*
Frequently Asked Questions (FAQ)
How fast are transfers with MiniPay?
Transfers are completed in less than 5 seconds, every time. Both sender and recipient get instant confirmation.
What are the fees?
Sending funds costs less than $0.01 per transfer. Withdrawals to MoMo in Ghana are free with select providers.*
Do I need a MiniPay account to receive?
No. While it is advisable for the best experience that both the sender and recipient have the MiniPay app, you can also send directly to your recipient's local payment method using Mini Apps.
4. How do recipients withdraw funds in Ghana?
Recipients can compare withdrawal offers inside the app and choose the best available rate. Cash-outs to MTN MoMo, Vodafone Cash, and AirtelTigo are supported.
Can I keep funds in MiniPay instead of withdrawing?
Yes. Recipients can hold funds in stable “digital dollars” inside the wallet, earn daily rewards with MiniPay Boost, or spend directly on bills, airtime, and utilities with Mini Apps
Is MiniPay safe?
Yes. Transactions are secured by blockchain technology, and fiat withdrawals are handled by licensed third-party providers.
Where can I check live rates?
You can use the MiniPay Rate Calculator to simulate your transfer and see the current offers.
.webp)
