Send funds
to  Ghana in 5 seconds

Ghana Ornament
Transfers cost less than $0.001(about N2). Recipients pick the best MoMo withdrawal rate, or spend directly from MiniPay.
See Exactly What They’ll Receive
Our rate calculator shows you the end-to-end value in real time — no surprises.
Ghana OrnamentGhana Ornament

Withdraw to

Not Just Another Money App

With MiniPay, both the sender and receiver win

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Sender deposits

Deposit in NGN with bank transfer at Zero fees.
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How the transfer works

Near-zero fees (<$0.01) and instant (less than 5 seconds).
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Money out at receiver

Withdraw when and how you like to MoMo, Telecel, Vodafone, bank, or card.
MiniPay Deviceflagflagearth globe

Why Choose MiniPay Over Agents?

Features
MiniPay
Cash Agents
Transfer speed
Less than 5 seconds
Hours are unpredictable
Withdraw amount
Smaller withdraws are possible
There are minimums
Cost
Less than ₦2 every time
Hidden markups
Reliability
Always-on, no waiting
Depends on agent availability
End Rate
Transparent, recipient chooses
Varies, often unclear
Swipe to scroll
See Live Rates Now

No MiniPay yet? No problem

Send a MiniPay Cash Link over WhatsApp, SMS, or social media. A prefunded link they can claim instantly, and onboard in 30 seconds.
Download MiniPay

More Than Just Transfers

MiniPay is a non-custodial wallet which means your money is always your control. No one else touches your funds. You hold the keys, and you make the moves.

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Withdraw at the best MoMo rates

Compare offers, pick the best.
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Keep funds safe in dollars

No rush to cash out; earn daily Boost rewards*.
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Spend directly in MiniPay

Pay for cable, power, airtime, or vouchers via Mini Apps.

What people are saying about MiniPay

See how our users are simplifying global transactions and making life easier with our platform.

4.8
out of 5
Rated by over 10,000 users
nic carter
nic carter

will be the most-used dedicated stablecoin wallet in the world within 12 months.

gigahierz.eth
gigahierz.eth

@minipay does it again. Best user experience in Web3! Convince me otherwise...

Alberto Martin
Alberto Martin

👀 what a great use case, travel and pay for an eSim on stablecoins to be connected. Well done.

Brian Atoli
Brian Atoli

Minipay is a game changer .I personally use minipay everyday,when shopping ,when buying goods, when I want to send money to my friends  .we love it

Victor Bryce
Victor Bryce

Consumption of stablecoins especially in @minipay is next thing to watch...It's gonna be big..imagine sending money to someone overseas with negligible transactions cost,speed of light and they consume as their local currency..for me it's magic

Nur'fatin' Hamzah
Nur'fatin' Hamzah

Despite the initial friction, we love @minipay ! It offers versatile options to send funds directly to a bank account or popular digital wallets in Uganda—super practical.

Nwachukwu Grace
Nwachukwu Grace

"Sharing joy this holiday season with MiniPay!"

I sent instant cash gifts to my siblings with MiniPay! No more queues or delays, just seamless transfers that brought big smiles

I also used MiniPay to donate to a local food drive, spreading love

Sani H. Nasir
Sani H. Nasir

Living in northern Nigeria, MiniPay has become my go-to for convenience. From buying data and recharge cards to paying bills and shopping for goods and services, it’s a seamless solution for all my financial needs.

Alphoncy Sagin
Alphoncy Sagin

I’ve been using MiniPay for a while now, and it’s been a fantastic experience. It’s reliable, easy to use, and perfect for saving, spending, and sending dollar stablecoins. Definitely one of the best apps out there.

Michael Asah
Michael Asah

Minipay is on a whole other level, to be honest. It makes cross-country transfer of money so seemless and so easy. With just a mobile number and an email account, money can be transferred to and from every and any country in just a few moments. MiniPay is most definitely the new "IT"

nic carter
nic carter

will be the most-used dedicated stablecoin wallet in the world within 12 months.

gigahierz.eth
gigahierz.eth

@minipay does it again. Best user experience in Web3! Convince me otherwise...

Alberto Martin
Alberto Martin

👀 what a great use case, travel and pay for an eSim on stablecoins to be connected. Well done.

Brian Atoli
Brian Atoli

Minipay is a game changer .I personally use minipay everyday,when shopping ,when buying goods, when I want to send money to my friends  .we love it

Victor Bryce
Victor Bryce

Consumption of stablecoins especially in @minipay is next thing to watch...It's gonna be big..imagine sending money to someone overseas with negligible transactions cost,speed of light and they consume as their local currency..for me it's magic

Nur'fatin' Hamzah
Nur'fatin' Hamzah

Despite the initial friction, we love @minipay ! It offers versatile options to send funds directly to a bank account or popular digital wallets in Uganda—super practical.

Nwachukwu Grace
Nwachukwu Grace

"Sharing joy this holiday season with MiniPay!"

I sent instant cash gifts to my siblings with MiniPay! No more queues or delays, just seamless transfers that brought big smiles

I also used MiniPay to donate to a local food drive, spreading love

Sani H. Nasir
Sani H. Nasir

Living in northern Nigeria, MiniPay has become my go-to for convenience. From buying data and recharge cards to paying bills and shopping for goods and services, it’s a seamless solution for all my financial needs.

Alphoncy Sagin
Alphoncy Sagin

I’ve been using MiniPay for a while now, and it’s been a fantastic experience. It’s reliable, easy to use, and perfect for saving, spending, and sending dollar stablecoins. Definitely one of the best apps out there.

Michael Asah
Michael Asah

Minipay is on a whole other level, to be honest. It makes cross-country transfer of money so seemless and so easy. With just a mobile number and an email account, money can be transferred to and from every and any country in just a few moments. MiniPay is most definitely the new "IT"

nic carter
nic carter

will be the most-used dedicated stablecoin wallet in the world within 12 months.

gigahierz.eth
gigahierz.eth

@minipay does it again. Best user experience in Web3! Convince me otherwise...

Alberto Martin
Alberto Martin

👀 what a great use case, travel and pay for an eSim on stablecoins to be connected. Well done.

Brian Atoli
Brian Atoli

Minipay is a game changer .I personally use minipay everyday,when shopping ,when buying goods, when I want to send money to my friends  .we love it

Victor Bryce
Victor Bryce

Consumption of stablecoins especially in @minipay is next thing to watch...It's gonna be big..imagine sending money to someone overseas with negligible transactions cost,speed of light and they consume as their local currency..for me it's magic

Nur'fatin' Hamzah
Nur'fatin' Hamzah

Despite the initial friction, we love @minipay ! It offers versatile options to send funds directly to a bank account or popular digital wallets in Uganda—super practical.

Nwachukwu Grace
Nwachukwu Grace

"Sharing joy this holiday season with MiniPay!"

I sent instant cash gifts to my siblings with MiniPay! No more queues or delays, just seamless transfers that brought big smiles

I also used MiniPay to donate to a local food drive, spreading love

Sani H. Nasir
Sani H. Nasir

Living in northern Nigeria, MiniPay has become my go-to for convenience. From buying data and recharge cards to paying bills and shopping for goods and services, it’s a seamless solution for all my financial needs.

Alphoncy Sagin
Alphoncy Sagin

I’ve been using MiniPay for a while now, and it’s been a fantastic experience. It’s reliable, easy to use, and perfect for saving, spending, and sending dollar stablecoins. Definitely one of the best apps out there.

Michael Asah
Michael Asah

Minipay is on a whole other level, to be honest. It makes cross-country transfer of money so seemless and so easy. With just a mobile number and an email account, money can be transferred to and from every and any country in just a few moments. MiniPay is most definitely the new "IT"

nic carter
nic carter

will be the most-used dedicated stablecoin wallet in the world within 12 months.

gigahierz.eth
gigahierz.eth

@minipay does it again. Best user experience in Web3! Convince me otherwise...

Alberto Martin
Alberto Martin

👀 what a great use case, travel and pay for an eSim on stablecoins to be connected. Well done.

Brian Atoli
Brian Atoli

Minipay is a game changer .I personally use minipay everyday,when shopping ,when buying goods, when I want to send money to my friends  .we love it

Victor Bryce
Victor Bryce

Consumption of stablecoins especially in @minipay is next thing to watch...It's gonna be big..imagine sending money to someone overseas with negligible transactions cost,speed of light and they consume as their local currency..for me it's magic

Nur'fatin' Hamzah
Nur'fatin' Hamzah

Despite the initial friction, we love @minipay ! It offers versatile options to send funds directly to a bank account or popular digital wallets in Uganda—super practical.

Nwachukwu Grace
Nwachukwu Grace

"Sharing joy this holiday season with MiniPay!"

I sent instant cash gifts to my siblings with MiniPay! No more queues or delays, just seamless transfers that brought big smiles

I also used MiniPay to donate to a local food drive, spreading love

Sani H. Nasir
Sani H. Nasir

Living in northern Nigeria, MiniPay has become my go-to for convenience. From buying data and recharge cards to paying bills and shopping for goods and services, it’s a seamless solution for all my financial needs.

Alphoncy Sagin
Alphoncy Sagin

I’ve been using MiniPay for a while now, and it’s been a fantastic experience. It’s reliable, easy to use, and perfect for saving, spending, and sending dollar stablecoins. Definitely one of the best apps out there.

Michael Asah
Michael Asah

Minipay is on a whole other level, to be honest. It makes cross-country transfer of money so seemless and so easy. With just a mobile number and an email account, money can be transferred to and from every and any country in just a few moments. MiniPay is most definitely the new "IT"

Blockchain Transparency

Every transaction is recorded and verifiable on the blockchain for full transparency.
Try MiniPay Safely
MiniPay Blockchain

FAQs

What is a 'Digital Dollar' (Stablecoin) and why should I use it?

Do I need to be a crypto expert to use this app?

Is my money safe from Bitcoin's price crashes?

How does my recipient in Ghana get actual cash (Cedis)?

What are the transfer limits?