Ghana's bank-to-bank Instant Pay rail still trails mobile money, which moved 1,046 million transactions worth GH¢518.8 billion in August 2026, 51 times Instant Pay's transaction count.
GhIPSS Instant Pay cleared GH¢95.1 billion in transaction value in August 2026, according to Bank of Ghana data. That makes Instant Pay Ghana's second-largest payment channel by value.
Instant Pay value rose 61 per cent between August 2025 and August 2026. The average Instant Pay transfer was approximately GH¢4,640.
Mobile money handled 1,046 million transactions worth GH¢518.8 billion in August 2026, 51 times as many transactions as Instant Pay.
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Headline names “GhIPSS Instant Pay” · External source · Graphic Online
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