Quick answer

GeraCash is a digital wallet operated under Bank of Ghana (BoG) supervision with MTN MoMo, Vodafone Cash, and AirtelTigo Money interoperability via GhIPSS MMI. Fund your cedi balance instantly from MoMo, send to any Ghanaian bank via GhIPSS, pay GhQR merchants, or remit across ECOWAS. Consumer protection under the Payment Systems and Services Act, 2019 (Act 987).

Regulation: Bank of Ghana, PSS Act, GhIPSS, FIC, DPC

GeraCash operates as a partner to a Dedicated Electronic Money Issuer (DEMI) licensed by the Bank of Ghana under the Payment Systems and Services Act, 2019 (Act 987). Payments route via GhIPSS (Ghana Interbank Payment and Settlement Systems) — the national switch behind Instant Pay, the GhLink card scheme, GhQR, and the Mobile Money Interoperability (MMI) rail. Anti-money laundering and counter-terrorist financing controls follow the Financial Intelligence Centre (FIC) Act, 2008. Personal data is protected under the Data Protection Act 2012 (Act 843) under the Data Protection Commission (DPC). The Ghana Revenue Authority (GRA) supervises the E-Levy on qualifying mobile-money transfers.

Fees in ₵

Open account: free, instant — KYC with Ghana Card, passport, or voter ID.
Top-up from MTN MoMo / Vodafone Cash / AirtelTigo: free for the first ₵2,000 per month.
GhQR merchant payment: free for the payer.
Send to a Ghanaian bank via GhIPSS Instant Pay: ₵1 flat.
Cedi to USD/GBP/EUR FX: interbank mid + 0.8% spread.
ECOWAS remittance: from 1.2% plus partner payout fee.
E-Levy: charged per GRA schedule on qualifying outbound transfers above the threshold.

Mobile-money interoperability

GhIPSS MMI lets you push and pull between any MoMo operators and from MoMo to bank without routing via cash. GeraCash sits on this rail natively: money you receive into your MTN MoMo number can sweep to GeraCash automatically, and outbound payouts can go to any MoMo or bank in Ghana regardless of which operator the recipient uses. This removes the usual friction of Vodafone-to-MTN cash-outs that traders faced before MMI.

Use cases

Diaspora remittance — send cedis from UK / US / EU into MoMo directly.
MSME payouts — pay suppliers by GhQR or MoMo from your wallet dashboard.
Salary disbursement — batch MoMo payouts from a single cedi balance.
Marketplace settlement — receive from GeraMarket, GeraFarm, GeraRide.
Cross-border trade — settle to Nigerian naira, CFA, or Kenyan shilling.
Student and diaspora top-ups — top up a student in KNUST from London.

ECOWAS remittance corridor

Under the ECOWAS Free Trade Area and AfCFTA, GeraCash supports outbound remittance into Nigerian naira (bank + NIBSS Instant Payments), CFA franc (XOF) into Côte d'Ivoire, Senegal, and Togo, Sierra Leonean leone, Liberian dollar, and Gambian dalasi. Settlement times are typically 5–30 minutes for digital wallets and up to 1 business day for bank rails. Currency display on the web is driven by useCountry() and the sender always sees fees in cedis.

How GeraCash compares in Ghana

Chipper Cash has strong cross-border presence and cashback offers; Zeepay is a Ghanaian unicorn with deep remittance partnerships; Wise offers excellent FX but limited local rails. GeraCash's differentiators: Bank of Ghana-supervised partner DEMI, first-class GhQR and GhIPSS MMI, 0.8% FX spread on cedi↔major currency, and ecosystem SSO — your GeraClinic, GeraRide, and GeraMarket balances flow in and out of the same wallet without re-KYC.

Security and AML

Tiered KYC matches BoG requirements. Suspicious activity reports are filed with the FIC on detection. Device binding, biometric unlock, and step-up 2FA on outbound transfers over ₵500. All data is encrypted in transit and at rest; privacy notice is filed with the DPC.

Related Gera products for Ghana

GeraMarket in Ghana — seller payouts settle to GeraCash same day.
GeraFarm in Ghana — farmer payouts via GeraCash MoMo.
GeraRide in Ghana — pay fares from GeraCash balance.

GeraCash in Ghana 2026 — BoG-Supervised Wallet with MTN MoMo Interop