The Bank of Ghana has registered 46 international money transfer operators (IMTOs) to handle inward remittances into Ghana, and has told banks, specialised deposit-taking institutions, payment service providers and dedicated e-money issuers to work only with firms on that list, according to Notice No. BG/GOV/SEC/2026/42, dated 6 November 2026.
The list shows operators registered under the Bank's IMTO guidelines as at 31 October 2026. The central bank said any regulated institution found facilitating remittance business through an unregistered operator "shall be subject to appropriate regulatory and administrative sanctions".
The notice follows Notice No. BG/GOV/SEC/2026/02 of 20 January 2026, which set out the registration and operating rules, and Notice No. BG/GOV/SEC/2026/13 of 12 June 2026, which extended the registration deadline to 31 July 2026.
The June notice warned that existing operators that failed to register would not be permitted to operate in Ghana and that their arrangements with local banks and payment firms would be "rendered null and void".
Registered operators include global names such as Western Union Network (France) SAS, MoneyGram Payment Systems Inc, Remitly Inc, WorldRemit (including Zepz and Sendwave), RIA Money Transfer and Mastercard Transaction Services (US), alongside fintech firms including LemFi, TerraPay, Afriex, MonieWorld, SikaFX, Borga Money and OhentPay. Each carries a Bank of Ghana registration number in the BG/PSD/IMTO series, numbered 1001 to 1046.
The Bank said it will review and update the list periodically and urged regulated institutions to check its website and later notices for the current register.
Sources: Bank of Ghana Notice No. 42 (6 November 2026); Bank of Ghana Notice No. 13 (12 June 2026); Graphic Online.