Legal

Service Fees

SMS Pricing

Available GatewaysAT Money (Ghana Only)Hubtel SMS (Ghana)42 Telecom (International)Hubtele SMS (Ghana & International)MTN (Ghana Only)Vodafone Cash (Ghana Only)
Pricing (GHS)0.01510.03090.25050.25050.02010.0303
Delivery Quality Index56%340%0050%0
Maximum Throughput Speed150 sms/sec5000 sms/sec200 sms/sec200 sms/sec100 sms/sec200 sms/sec
Businesses Currenlty in Queue2110011
Real Throughput speed150 sms/sec5000 sms/sec200 sms/sec200 sms/sec100 sms/sec200 sms/sec
Total Messages Sent000000
Total Messages Delivered9254,227003,7810
Total Messages Undelivered415,345004560
Total Messages Rejected000000
Commission on Bill Payment Integrations
ServiceCommission (%)
MTN Data6
Glo Data7
Airtel / Tigo Data7
Vodafone Data7
MTN Fibre Data5
SHS Placement10
ServiceCommission (%)
GoTV1
DSTV1
Airtel / Tigo Airtime7
MTN Airtime6
Vodafone Airtime7
Glo Airtime7
WAEC Results8
ECG Prepaid1.90
ECG Postpaid1.90

Set-up and Pricing

No special/mobile money SIM required
Use any (or your CEO/CFO’s) active phone number to activate.

Track all receipts and transfers in real-time
Access instant reports and statements on each /all payments & transfers.

No set-up fees and monthly fees
Simple transparent transaction fee of 1.95% per transaction value. This could be absorbed by your business or passed onto the beneficiary wallet.

Transaction Processing Fees

SEND MONEY FEES (GHS)

MTN Mobile MoneyVodafone CashAirtelTigo MoneySend to Bank
Fixed / VariableFixed / VariableFixed / VariableFixed / Variable
0.01 – 1.000.01 / 0.00.01 / 0.00.01 / 0.00.01 / 0.0
1.01 – 10.000.1 / 0.00.1 / 0.00.1 / 0.00.1 / 0.0
10.01 – 50.000.5 / 0.00.5 / 0.00.5 / 0.00.5 / 0.0
50.01 – 500.000.0 / 1%0.0 / 1%0.0 / 1%0 / 1%
500.01 – 1,000.005.0 / 0.05.0 / 0.05.0 / 0.05 / 0.0
1,000.01 – 2,000.0010.0 / 0.010.0 / 0.010.0 / 0.010 / 0.0
2,000.01>Contact your Retail Relationship Manager ([email protected])

SEND MONEY IN BULK FROM MS EXCEL UPLOAD

Amount to Load to Account (GHS)Loading Fee (%)
1 – 5000.5
501 and aboveCapped at GHS 5

RECEIVE MONEY (CONSUMER PAYS) (GHS)

MTN Mobile MoneyVodafone CashAirtelTigo MoneyVisa/Mastercard/GHQR
Fixed / VariableFixed / VariableFixed / VariableFixed / Variable
0.01 – 50.000.5 / 0.00.5 / 0.00.5 / 00.0 / 1%
50.01 – 500.000.0 / 1%0.0 / 1%0.0 / 1%0.0 / 1%
500.01 – 1,000.000.0 / 1.0%0.0 / 1%0.0 / 1%0.0 / 1%
1,00.01 – 2,000.00GHS 10.0 / 0.0GHS 10.0 / 0.0 0.0 / GHS 100.0 / 1%
2,000.00 >GHS 10.0 / 0.0GHS 10.0 / 0.00.0 / GHS 100.0 / 1%

RECEIVE MONEY (BUSINESS PAYS) (GHS)

MTN Mobile MoneyVodafone CashAirtelTigo MoneyVisa/Mastercard/GHQR
Fixed / VariableFixed / VariableFixed / VariableFixed / Variable
0.01 – 50.000.00 / 1.95%0.00 / 1.95%0.00 / 2.5%0.00 / 1%
50.01 – 500.000.00 / 1.95%0.00 / 1.95%0.00 / 2.5%0.00 / 1%
500.01 – 2,000.000.00 / 1.95%0.00 / 1.95%0.00 / 2.5%0.00 / 1%
2,000.01 – 3,000.000.00 / 1.95%0.00 / 1.95%0.00 / 2.5%0.00 / 1%
3,000.01 – 4,000.000.00 / 1.95%0.00 / 1.95%0.00 / 2.5%0.00 / 1%
4,000.01 – 5,000.000.00 / 1.95%0.00 / 1.95%0.00 / 2.5%0.00 / 1%
5,000.01 and above0.00 / 1.95%0.00 / 1.95%0.00 / 2.5%0.00 / 1%

Calculating Fees

  1. For Flat Fees on Send Money: Hubtel subtracts the Fee Amount from Principal Amount before sending funds.
  2. For Flat Fees on Receive Money: Hubtel adds Fee Amount to Principal Amount before pushing payment request to the customer.
  3. For Percentage Fee (Send Money): Hubtel divides the Principal Amount by 1+Percentage. Eg. To send Principal of GHS101, the Send Amount = 101 / ((1+(1/100)) = 101/1.01 = 100 (being the amount to send).
  4. For Percentage Fee for Send Money in Bulk: Hubtel’s Internal Affairs Team will calculate the applicable fee as Percentage * Amount to Load. Eg. To load GHS 10,000, a fee = (1/100) * 10,000 (=GHS100) will be debited before loading; such that 9,900 will be loaded to your account.
  5. For Percentage Fee (Receive Money): Hubtel multiplies the Principal Amount by 1+Percentage. Eg. To receive Principal of GHS100, the Requested Amount = 100 x((1+(1/100)) = 101 x 1.01 = 101 (being the amount to request from the paying customer).

Managing Fee Rebates on Large Transaction Turnover


Hubtel offers the following rebates only for Businesses that absorb transaction fees for transactions that are processed at percentage fees only.


Rebates are only applicable on fees revenue due payable to Hubtel after Upstream Providers (such as mobile money providers, card scheme and bank acquirers) retain their share of fee revenue.


Rebates are remitted only to a Business’ account on Hubtel within 21 days after the end of each month. Rebates are calculated as a percentage of the total fee value charged to a Business account within the qualifying month.

Rebates are managed as follows;

Transaction Turnover Per Month (GHS)Total Fee Rebate To Remit
20,000,000.00 – 40,000,000.0010%
40,000,000.01 – 60,000,000.0015%
60,000,000.01 – 80,000,000.0020%
80,000,000.01 – 100,000,000.0025%
100,000,000.01 and above30%