MTN Ghana’s Mobile Money (MoMo) float reached GH¢38.4 billion in 2025, highlighting the growing role of digital payments in Ghana’s financial ecosystem and the increasing trust Ghanaians place in mobile money services.
The figure places MTN’s MoMo float just behind GCB Bank’s GH¢41.05 billion in customer deposits when compared illustratively with bank deposits. However, MoMo funds are not classified as bank deposits. Under Ghana’s digital payments framework, customer funds are held securely in trust accounts with licensed banks and supervised by the Bank of Ghana.
The strong growth reflects the expanding use of MoMo for everyday transactions, including salary payments, bill payments, merchant transactions, savings and person-to-person transfers. It also demonstrates how digital financial services are improving convenience and expanding access to financial services across the country.
MTN Ghana reported GH¢7.8 billion in after-tax profit in 2025, representing a 55.9% increase from the previous year. Analysts also believe the growing volume of MoMo transaction data could create new opportunities to support small businesses with access to financing.
As digital payments continue to expand, MTN Ghana’s MoMo platform remains an important driver of financial inclusion, innovation and the broader digital transformation of Ghana’s economy.
Source : www.graphic.com.gh
