To be honest, buying land or paying rent in Ghana used to feel like a long, stressful process. You had to carry cash, write cheques, or visit a bank. But things are changing. Today, you can pay for a house, land, or rent right from your phone.
That’s because mobile money and fintech are stepping into Ghana’s real estate space—and they’re making things easier for everyone.
Paying for Property with Mobile Money?
Mobile money, especially MTN Momo, is now part of everyday life in Ghana. People use it to pay for food, transport, electricity—you name it. Now, people are also using it to buy land or pay rent.
It’s not a dream. It’s already happening.
The government of Ghana launched the National Rental Assistance Scheme to make rent more affordable. And yes, you can pay rent with Momo in Ghana under this program. No need to find two years’ advance rent in cash anymore. Just pay monthly from your phone.
Why People Love Mobile Money
There’s a good reason why people are using mobile money for real estate:
- It’s simple – You can send money in a few taps.
- Mobile Money is safe – You don’t need to carry large amounts of cash.
- It’s traceable – Every payment is recorded on your phone.
- It’s fast – No bank queues. Just send and go.
- It’s fair – Even people without a bank account can now buy land or pay rent. Mobile money makes life easier for landlords, tenants, buyers, and even agents.
Quick read: Renting vs. Buying Property in Ghana: Which Option is Right for You?
How People are Using Mobile Money
Take a woman in Kumasi who buys a plot of land using mobile money. The seller gives her a payment code, and she sends the money right from her phone. She doesn’t have to walk into a bank. The transaction is done in minutes.
In Accra, a landlord lists his two-bedroom apartment in Adenta and accepts rent through MTN Momo. His tenants pay monthly, on time, and he gets a notification as soon as it drops. No chasing people for cash.
These are just a few of many real examples.
Fintech is Making it all Possible
Behind all this convenience are tech companies making it work. Fintech means financial technology—basically, companies building digital tools for money stuff.
Here are some names you should know:
- Zeepay – Makes it easy to send and receive money, even from abroad. Great for Ghanaians in the diaspora sending funds to buy property back home.
- Hubtel – Helps with payments and even lets you shop and pay bills online.
- Nsano – Builds tech that allows mobile money payments across Africa, including for real estate.
This is what people mean when they talk about fintech and property in Ghana. These companies are building the future of how we buy and rent homes. It’s definitely why fintech is one of the game-changing Ghana real estate trends in 2025.
Can You Buy Land with Mobile Money?
Yes, but there’s a limit to how much you can send at once. The Bank of Ghana recently increased mobile money transaction limits. On daily transaction limits, customers can now send and receive between GH¢2,000 and GH¢75,000, depending on minimum, medium, and enhanced mobile money accounts.
You may not pay for an entire house in one transfer, but you can make deposits, pay land registration fees, top up balances, and pay agents—all with MoMo.
What Makes Mobile Money Powerful
Let’s break it down. Here’s what mobile money real estate in Ghana is offering:
- You don’t need a bank account to start buying or renting.
- You don’t need to carry cash or deal with bounced cheques.
- You don’t need to travel far just to pay someone.
Whether you’re a young graduate looking for a place or a working parent investing in land, this changes everything.
Keep in Mind…
All is not rosy. Keep an eye out for a few bumps on the road:
- Transaction limits – You might have to send money in chunks if the amount is big.
- Internet or network issues – Some areas still struggle with stable mobile network coverage.
- Fraud risks – Just like it is with any money app, you need to be careful who you’re paying.
So always double-check numbers. Make sure you’re sending money to the right person.
Check out the classic modern breathtaking ONO Aburi by Nouveau Realty in the lush hills of Aburi.
What’s Next?
The future looks good. More people are getting comfortable with using their phones to make big payments. Real estate agents are also starting to accept mobile money as a standard option.
Soon, you might even apply for a mortgage and make payments entirely from your phone. Some fintech startups are already working on that.
The more these tools grow, the easier it’ll be for everyday Ghanaians to own property, pay rent, or invest in land, even settle their property taxes, without the usual stress.
Conclusion
Paying rent with Momo in Ghana is no longer new. It’s becoming the norm. And buying land or making real estate payments with mobile money? That’s catching on fast, too.
Thanks to fintech and property innovations in Ghana, the door is opening for more people to access the housing market. Whether you’re renting, buying, or investing, mobile money is making it simpler, safer, and more inclusive.
So, if you’re still doing everything the old way, maybe it’s time to try something new, right from your phone.