Cedis and dollars, in one place.
Hold both, move between them at a rate you can see, and send to anyone with a phone number. About two minutes to open.
Three ways to send. No account numbers.
Nobody remembers a sixteen-digit account number. Everybody remembers a phone number.
A phone number
If you have their number, you can pay them.A PALESA tag
Your @name, easier to share than an account number.A QR code
Scan and send, in person or from a screen.Pick who you're paying
A phone number, a @tag, or scan their QR code.Enter the amount
The fee and the rate are shown before you confirm.Confirm it's you
Face or PIN. Nothing else to fill in.Ama has the money
Straight into her MTN MoMo wallet, in cedis.It works on any phone.
Dial the code and you get the whole wallet — check your balance, send money, receive it, and convert between cedis and dollars. No app, no data, no smartphone. The same account either way.
Any GSM handset
No data
Same account
PALESA
1. Send money
2. Receive
3. Check balance
4. Convert cedis / dollars
5. Cash out
Reply with a number
No data. No app. Any handset.
Hold dollars. Spend cedis.
The cedi moves. Keep part of your balance in dollars so your savings don't move with it, and convert back whenever you need to spend. There is no minimum, no lock-in and no notice period.
Every conversion shows you the rate and the fee before you confirm, and holds that rate for fifteen minutes while you decide.
Dollar savings
Move dollars into savings and they can earn a return, routed through audited treasury protocols. Returns are variable and not guaranteed. Your everyday balance does not earn one.
Start in two minutes. Verify more when you need more.
You can receive money with nothing but a phone number. Each step up unlocks more, and takes a couple of minutes.
Just your number
Receive money, hold cedis, and pay other verified users.Up to GH¢500 a day
Add your Ghana Card
Everything above, plus savings, money from abroad, and cash out.Up to GH¢25,000 a day
Full verification
Everything above, plus high-value transfers and a linked business.Up to GH¢250,000 a day
It works with the money you already use
No branch visits. No paper forms. No waiting for banking hours.
MTN MoMo
Telecel Cash
Bank transfer
Debit card
MTN MoMo
Telecel Cash
Bank transfer
Common questions
All questionsA phone number, a government-issued ID — passport, Ghana Card, or driver's licence — and a selfie. It takes about two minutes.
No. Dial *713# on any GSM handset and you get the whole wallet — balance, send, receive and convert. Same account either way.
GH¢500 a day on a phone number alone, GH¢25,000 once you add your Ghana Card, and GH¢250,000 with full verification.
Dollar savings can earn a return, routed through audited treasury protocols. Your everyday balance does not. Returns are variable, not guaranteed, and PALESA is not a bank.
No. PALESA uses digital dollars behind the scenes to make transfers fast and cheap. You send cedis or pounds; your recipient gets their local currency. You never handle anything else.
Open a wallet in two minutes.
A phone number is enough to start. Add your Ghana Card when you need to send more.