The Bank of Ghana (BoG) has approved 46 International Money Transfer Operators (IMTOs) to facilitate inward remittances into the country, cautioning banks and other regulated financial institutions against dealing with unregistered providers.

The central bank disclosed this in a notice issued on November 6, 2026, and signed by its Secretary, Aimee Vyda Quashie.

The publication, contained in Appendix 1 of the notice, identifies operators that have fulfilled the applicable regulatory requirements and secured recognition from the Bank to provide inward remittance services in Ghana.

The BoG said the directive covers banks, Specialised Deposit-Taking Institutions, Dedicated Electronic Money Issuers and Payment Service Providers.

It stressed that these institutions must restrict their inward remittance business relationships to operators featured on the approved list.

Financial institutions that facilitate or undertake remittance transactions through unregistered operators risk regulatory and administrative sanctions in accordance with applicable laws and directives, the Bank warned.

The BoG further noted that the list would be reviewed and updated periodically. It therefore urged regulated institutions to regularly check its official website and subsequent notices to ensure they are dealing with duly registered operators.

The approved operators are Reflow Zone LTD (Novac Payment), Moole Inc, One Africa Technologies LTD (OAPay), Egovin Technology LTD, Roze Int (PVT) LTD (Roze Remit), Top Connect LTD, SikaFX LTD, Flex Money Transfer LTD, Viamericas Corporation, Diamond-Cube LTD (Borga Money), BNB Transfer Corp (BNB/Cauridor), Goldstack Technologies LTD, CSL Pay LTD, Remit Union LTD, Remit Choice LTD, I-Transfer Global Payments EP, SA, Terra Payment Services (Mauritius) (TerraPay), Right Card Payment Services LTD (LemFi), Unitylink Financial Services LTD, AFRIEX Inc, Nairagarm LLC, Remitly Inc, Zobo Payments LTD, Kredete Inc, UPESI Money Transfer LTD, WeWire Technologies Inc, SFB Capital Systems LLC, Sun Fintech LTD, Ace Money Transfer LTD, Kori Global Services (Kori Money Transfer), Dandelion Payments Inc (RIA Money Transfer), Inter City Money LTD (Remit Home), Leatherback LTD, World Remit LTD (WorldRemit, ZepZ, Sendwave), Priority Technology Holdings, Inc PRTH (NASDAQ), Moniepoint CA LTD (MonieWorld), OhentPay UK LTD, Juba Express LTD, Western Union Network (France) SAS, Moneygram Payment Systems Inc, Mastercard Transaction Services (US) LLC (MTS US), Africhange LTD, Prune Payments LTD (Prune Technology LTD), Cede Technologies Inc, Speed Enterprise LTD (Speed Enterprise UK), and Daytona Capital Management LTD (Hello Paisa Global).