Ghana Authorized Money Transfer, Bank of Ghana Registered IMTOs
The Bank of Ghana (BoG) has published an official list of 46 registered International Money Transfer Operators (IMTOs) authorised to facilitate inward remittance services into Ghana.
According to GhanaSky.com analyst, the publication was made under Notice No. BG/GOV/SEC/2026/42, dated November 6, 2026, and provides an important regulatory guide for banks, financial institutions, payment service providers and consumers involved in international money transfers.
The list includes globally recognised remittance brands and emerging digital payment companies, including Western Union, MoneyGram, Remitly, WorldRemit, Sendwave, LemFi, RIA Money Transfer and TerraPay. As international money transfers continue to connect Ghanaians with families, businesses and opportunities around the world, the official register provides an important guide for safer and more transparent remittance services.
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The registered operators include major global and digital remittance companies such as Western Union, MoneyGram, Remitly, WorldRemit, Sendwave, LemFi, RIA Money Transfer, TerraPay and AFRIEX, alongside several other international payment and remittance businesses.
The Bank of Ghana stated that the entities appearing on the official register have satisfied the applicable regulatory requirements and are recognised to facilitate inward remittances into Ghana.
What Does the Bank of Ghana’s IMTO List Mean?
An International Money Transfer Operator (IMTO) is a company that facilitates the transfer of money across international borders.
For Ghana, the newly published register is particularly important because the Bank of Ghana has directed regulated financial institutions to maintain business relationships for inward remittance services only with IMTOs included on the Bank’s published list.
This means that banks, specialised deposit-taking institutions, dedicated electronic money issuers and payment service providers must ensure that their international remittance partnerships comply with the Bank of Ghana’s registration requirements.
The official publication covers the register as of October 31, 2026, following earlier notices concerning the registration and operations of International Money Transfer Operators in Ghana.
Full List of 46 Authorized International Money Transfer Operators in Ghana
Below is the complete list of IMTOs published by the Bank of Ghana.
| No. | Registered International Money Transfer Operator | Registration Number |
|---|---|---|
| 1 | Reflow Zone LTD (Novac Payment) | BG/PSD/IMTO – REF – 1001 |
| 2 | Moolre Inc | BG/PSD/IMTO – MOO – 1002 |
| 3 | One Africa Technologies LTD (OAPay) | BG/PSD/IMTO – ONE – 1003 |
| 4 | Egovin Technology LTD | BG/PSD/IMTO – EGO – 1004 |
| 5 | Roze Int (PVT) LTD (Roze Remit) | BG/PSD/IMTO – ROZ – 1005 |
| 6 | Top Connect LTD | BG/PSD/IMTO – TOP – 1006 |
| 7 | SikaFX LTD | BG/PSD/IMTO – SIK – 1007 |
| 8 | Flex Money Transfer LTD | BG/PSD/IMTO – FLE – 1008 |
| 9 | Viamericas Corporation | BG/PSD/IMTO – VIA – 1009 |
| 10 | Diamond-Cube LTD (Borga Money) | BG/PSD/IMTO – DIA – 1010 |
| 11 | BNB Transfer Corp (BNB/Cauridor) | BG/PSD/IMTO – BNB – 1011 |
| 12 | Goldstack Technologies LTD | BG/PSD/IMTO – GOL – 1012 |
| 13 | CSL Pay LTD | BG/PSD/IMTO – CSL – 1013 |
| 14 | Remit Union LTD | BG/PSD/IMTO – REM – 1014 |
| 15 | Remit Choice LTD | BG/PSD/IMTO – REM – 1015 |
| 16 | I-Transfer Global Payments EP, S.A | BG/PSD/IMTO – ITR – 1016 |
| 17 | Terra Payment Services (Mauritius) – TerraPay | BG/PSD/IMTO – TER – 1017 |
| 18 | Right Card Payment Services LTD – LemFi | BG/PSD/IMTO – RIG – 1018 |
| 19 | Unitylink Financial Services LTD | BG/PSD/IMTO – UNI – 1019 |
| 20 | AFRIEX Inc | BG/PSD/IMTO – AFR – 1020 |
| 21 | Nairagram LLC | BG/PSD/IMTO – NAI – 1021 |
| 22 | Remitly Inc | BG/PSD/IMTO – REM – 1022 |
| 23 | Zobo Payments LTD | BG/PSD/IMTO – ZOB – 1023 |
| 24 | Kredete Inc | BG/PSD/IMTO – KRE – 1024 |
| 25 | UPESI Money Transfer LTD | BG/PSD/IMTO – UPE – 1025 |
| 26 | WeWire Technologies Inc | BG/PSD/IMTO – WEW – 1026 |
| 27 | SFB Capital Systems LLC | BG/PSD/IMTO – SFB – 1027 |
| 28 | Sun Fintech LTD | BG/PSD/IMTO – SUN – 1028 |
| 29 | Ace Money Transfer LTD | BG/PSD/IMTO – ACE – 1029 |
| 30 | Kori Global Services (Kori Money Transfer) | BG/PSD/IMTO – KOR – 1030 |
| 31 | Dandelion Payments Inc (RIA Money Transfer) | BG/PSD/IMTO – DAN – 1031 |
| 32 | Inter City Money LTD (Remit Home) | BG/PSD/IMTO – INT – 1032 |
| 33 | Leatherback LTD | BG/PSD/IMTO – LEA – 1033 |
| 34 | World Remit LTD (WorldRemit, ZepZ, Sendwave) | BG/PSD/IMTO – WOR – 1034 |
| 35 | Priority Technology Holdings, Inc (PRTH) | BG/PSD/IMTO – PRI – 1035 |
| 36 | Moniepoint CA LTD (MonieWorld) | BG/PSD/IMTO – MON – 1036 |
| 37 | OhentPay UK LTD | BG/PSD/IMTO – OHE – 1037 |
| 38 | Juba Express LTD | BG/PSD/IMTO – JUB – 1038 |
| 39 | Western Union Network (France) SAS | BG/PSD/IMTO – WES – 1039 |
| 40 | MoneyGram Payment Systems Inc | BG/PSD/IMTO – MON – 1040 |
| 41 | Mastercard Transaction Services (US) LLC | BG/PSD/IMTO – MAS – 1041 |
| 42 | Africhange LTD | BG/PSD/IMTO – AFR – 1042 |
| 43 | Prune Payments LTD (Prune Technology LTD) | BG/PSD/IMTO – PRU – 1043 |
| 44 | Cede Technologies Inc | BG/PSD/IMTO – CED – 1044 |
| 45 | Speed Enterprise LTD (Speed Enterprise UK) | BG/PSD/IMTO – SPE – 1045 |
| 46 | Daytona Capital Management LTD (Hello Paisa Global) | BG/PSD/IMTO – DAY – 1046 |
Major International Money Transfer Brands on the Ghana Authorized List
Western Union
Western Union Network (France) SAS is included on the Bank of Ghana’s register under registration number BG/PSD/IMTO – WES – 1039.
Western Union is one of the best-known international money transfer brands and provides remittance services through its international network and authorised partnerships.
MoneyGram
MoneyGram Payment Systems Inc is registered under BG/PSD/IMTO – MON – 1040.
Its inclusion on the official register confirms its recognition by the Bank of Ghana for the inward remittance services covered by the notice.
Remitly
Remitly Inc appears on the Bank of Ghana’s official list under registration number BG/PSD/IMTO – REM – 1022.
The company is among the digital remittance platforms included in the 2026 register.
WorldRemit, ZepZ and Sendwave
The Bank of Ghana register lists World Remit LTD, including the brands WorldRemit, ZepZ and Sendwave, under registration number BG/PSD/IMTO – WOR – 1034.
This is important for customers who use these digital remittance brands to send money to family members and businesses in Ghana.
LemFi
Right Card Payment Services LTD, operating under the LemFi brand, is listed with registration number BG/PSD/IMTO – RIG – 1018.
RIA Money Transfer
Dandelion Payments Inc, associated with RIA Money Transfer, is registered under BG/PSD/IMTO – DAN – 1031.
TerraPay
Terra Payment Services (Mauritius), operating as TerraPay, is listed under registration number BG/PSD/IMTO – TER – 1017.
Bank of Ghana Rules and Policies for International Money Transfers
The publication of the IMTO register is not simply a list of companies. It also carries important compliance requirements for Ghana’s financial sector.
1. Regulated Institutions Must Work Only With Registered IMTOs
The Bank of Ghana has reminded:
- Banks
- Specialised Deposit-Taking Institutions
- Payment Service Providers
- Dedicated Electronic Money Issuers
to establish and maintain business relationships for inward remittance services only with IMTOs included on the Bank’s published register.
This requirement is designed to ensure that international remittance activities are conducted through operators that have met Ghana’s applicable regulatory requirements.
2. Unregistered Remittance Partnerships Can Lead to Sanctions
The Bank of Ghana has warned that a regulated financial institution that facilitates or conducts remittance business through an IMTO that is not duly registered may face appropriate regulatory and administrative sanctions under applicable laws and directives.
For banks and payment businesses, this makes compliance with the official IMTO register a major operational and regulatory responsibility.
3. The List Covers Inward Remittances Into Ghana
The official notice specifically states that the registered entities are recognised to facilitate inward remittance services into Ghana.
Therefore, readers should understand the scope of the publication correctly. The notice is focused on the regulatory recognition of IMTOs for bringing international remittances into Ghana.
4. The Bank of Ghana Will Update the List
The list of registered IMTOs is not necessarily permanent.
The Bank of Ghana says it will periodically review and update the register and has encouraged regulated institutions to consult the Bank’s official website and subsequent notices for the latest information.
This means a money transfer company that appears on a current list may be affected by future regulatory updates, while additional operators may also be registered in the future.
How to Check if a Money Transfer Company Is Authorized in Ghana
Before using an international money transfer service, consumers and businesses should take the following steps:
Check the Official Bank of Ghana Register
Look for the name of the IMTO on the latest list published by the Bank of Ghana.
Confirm the Exact Company or Brand
Some registered companies operate under different commercial or consumer-facing brand names. For example, the official register identifies:
- Right Card Payment Services LTD as LemFi
- Dandelion Payments Inc as RIA Money Transfer
- World Remit LTD in connection with WorldRemit, ZepZ and Sendwave
- Daytona Capital Management LTD as Hello Paisa Global
Customers should therefore check both the legal company name and the recognised brand name.
Use Official Channels
Consumers should be cautious about unofficial websites, fake social media accounts and individuals claiming to offer money transfer services.
Whenever possible, use the official website or authorised service channels of the registered operator.
Ask Your Bank or Payment Provider
If you are unsure whether a particular remittance channel is authorised, contact your bank, electronic money issuer or payment service provider for clarification.
Why the New Ghana IMTO List Is Important
International remittances play an important role in Ghana’s economy and in the daily lives of families receiving financial support from relatives and friends abroad.
The publication of an official register can help improve:
- Regulatory compliance
- Consumer confidence
- Transparency in international remittances
- Financial sector oversight
- The identification of authorised remittance partners
For financial institutions, the list provides a clear reference point for determining which IMTOs may be used for the inward remittance services covered by the Bank of Ghana’s notice.
For customers, it offers an additional way to check whether the company or brand they are using appears within the official regulatory framework.
Frequently Asked Questions About Authorized Money Transfer Operators in Ghana
How many International Money Transfer Operators are registered in Ghana?
The Bank of Ghana’s Notice No. BG/GOV/SEC/2026/42 publishes 46 registered International Money Transfer Operators as of October 31, 2026.
Is Western Union authorized for inward remittances into Ghana?
Western Union Network (France) SAS appears on the Bank of Ghana’s published register under registration number BG/PSD/IMTO – WES – 1039.
Is MoneyGram on the Bank of Ghana’s list?
Yes. MoneyGram Payment Systems Inc is included on the published register under registration number BG/PSD/IMTO – MON – 1040.
Are Remitly and LemFi registered on the list?
Both companies appear on the official register. Remitly Inc is listed as number 22, while Right Card Payment Services LTD, associated with LemFi, is listed as number 18.
Are WorldRemit and Sendwave included?
The Bank of Ghana register lists World Remit LTD and identifies WorldRemit, ZepZ and Sendwave in connection with the registered entity.
What happens if a financial institution uses an unregistered IMTO?
According to the Bank of Ghana notice, regulated financial institutions that facilitate or conduct remittance business through an IMTO that is not duly registered may be subject to regulatory and administrative sanctions under applicable laws and directives.
Ghana’s Official Authorized Money Transfer List for 2026
The publication of 46 registered International Money Transfer Operators marks an important development for Ghana’s international remittance and payment ecosystem.
Under Bank of Ghana Notice No. BG/GOV/SEC/2026/42, regulated financial institutions are expected to maintain inward remittance relationships only with IMTOs included on the Bank’s published register.
The list includes established global brands such as Western Union, MoneyGram, Remitly, WorldRemit, Sendwave, RIA Money Transfer, LemFi and TerraPay, as well as a growing number of digital and technology-driven remittance companies.
However, consumers, banks and businesses should remember that the Bank of Ghana has stated that the register will be periodically reviewed and updated. It is therefore important to check the latest official notices before making major business, compliance or financial decisions.
For further clarification on the registration and operations of International Money Transfer Operators, the official notice directs enquiries to the Payment Systems Department of the Bank of Ghana.
Disclaimer: This article is for news and informational purposes. The inclusion of an operator in the published register relates to the scope described in Bank of Ghana Notice No. BG/GOV/SEC/2026/42, particularly inward remittance services into Ghana. Consumers and businesses should always verify the latest regulatory information before relying on any money transfer service.
