Why pay excessive fees to transfer money? Just send and receive money using your txtNpay wallet. No hidden charges. It’s easy and faster.

Send or receive money to and from anyone with a mobile phone in Ghana. (Person to person transfer)
Receive money from outside Ghana. (International transfer- coming soon)
Transfer money to txtNpay wallet from your bank account.

You can use your txtNpay wallet directly from your phone using SMS or GPRS or on your computer by login into your wallet.

Send text message to your network short code.

  • Onetouch1075
  • KASAPA1075
  • TIGO1075
  • MTN1330
Wait for confirmation message with your confirmation number.
Recipient will also receive a message with same confirmation number.


Example: To send 5GHC to recipient 0208340055 with your pin code 22222.

See SMS command list