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How to Make Money Online in Ghana Through Mobile Money


Every blessed day, thousands of cedis are being made on the internet by ordinary Ghanaians just like Myself and you.

These individuals make the money doing a simple and easy task that any normal person can do.  But what makes these people make the money that others can’t is the first-hand information.

The internet is full of opportunities that anyone anywhere can leverage to make a living on, regardless of where you reside, you can use the internet to makes a living.

If you’re in Ghana, looking to make some cash online, then now is the time. In this article, we shall take you through a few and useful ways to make money online.


The world today is moving in a digital way and everything is also moving to the internet. Money that used to be carried in a physical form is now in a virtual form.

With the introduction of mobile money service in ghana, a lot of people prefer to use the momo for their transaction so it’s the cryptocurrency.

cryptocurrency in a layman’s view it’s a form of digital money that you can use to conduct all you normal transaction.

It has all the features of money with other extra features which makes it more powerful. The best part of the cryptocurrency is that its value appreciates/depreciate.

A dollar equivalent crypto/bitcoin today can be hundreds of dollar equivalent tomorrow. So people who have first-hand knowledge in bitcoin are leveraging the power of crypto to make more money online.

There are several ways to profit from cryptocurrency, The common ones are investing, trading and holding. As a cryptocurrency investor, you invest a certain amount of crypto in a company or financial market at an interest rate. At the maturity date, you get back your investment plus the interest.

You don’t have to worry about the increase or decrease in the price of the underlying currency.

The other way to profit from crypto is by holding and hoping for an increment in the price of the currency. Most people buy bitcoin when at a cheaper rate and sell it when there is an increase in the price.

The good thing is that there is no limit to the amount of currency you can buy. All you need is a Crypto wallet that you can use to receive the currency.

For people willing to deal with bitcoin, their preferred wallet can be a blockchain wallet that can be downloaded on Appstore/Playstore. We shall talk more about Bitcoin in our subsequent articles.

Local Affiliates

Affiliate marketing is another best and easiest way to make money online since it doesn’t need much investment and skills.

As an affiliate marketer, your job is to drive traffic to a product or service to get the prospective buyer to buy the product.

There are many affiliate websites that you can signup with and begin to make money online. But as a Ghanaian and someone who wants to make money through mobile money, the simple and easier way is to be a local affiliate.

What this means is that you can be a third-party to a company or a shop around you. In that case, your job is to make sure you recommend products to prospective customers.

You can negotiate with the original seller of the product for a bid price. For instance, if the product is sold at ten ghana cedis, you can negotiate with the seller so that he/she can reduce the price for every customer you refer to purchase the product.

Doing that will get more people to buy and that means more profit to the seller and more money for you.

I’ve been doing affiliate marketing for years now and have made thousands of cedis doing this kind of business. You can get in touch for more details on how to start an Affiliate marketing business in ghana.



The idea of drop shipping comes into place as people turn to buy more items online. With drop shipping, you sell items that do not belong to you.

All you need is a supplier and then you can begin to make some decent amount of money online.

The whole dropshiping process operates like this, the dropshiper goes to a wholesale website such as Aliexpress, jumia, Amazon, and eBay, and get a product at a wholesale price.

The drophiper will then put these product images on his or her platform or another platform at a retailed price( Adding a margin to the original product price).

Now when a buyer comes to the store and purchases the product at the retail price, the dropshiper will then go to the original seller of the product to purchase that same product at a wholesale price using the customer’s details.

In the end, the product will be shipped to the customer in the name of the Dropshiper. The Dropshiper will even end up not seeing/touching the product.

A lot of Ghanaians including myself are into this kind of business and you can also start if you want to make some cash online.

The best part of this dropshipping business is the freedom and boss free life it brings to the dropshiper. You work in the comfort of your home and do not take orders from anyone.

Drop servicing on the other hand also follows the same idea but the only difference is that drop servicing has to do with your offering service to a customer at a price.

For example, You can look around your community and see what service people like but cant be easily found. In that case, you then have to do some search for the services and see the people who offer such a service.

Now you contact them and bid for a price. In turn, you create a platform, be it WhatsApp group Facebook page or Instagram business page and then list that service as part of your service.

If a customer comes in need of that service, you charge him/her and then take the contract and give it to the one you know his good at that.

In the end, you make some profit from the service even though you are not the actual service provider.

I’ve been doing this kind of work during my undergraduate studies and still doing and making a decent amount of money.


Having skills in something can fetch you thousands of cedis but only if you know how to utilize the internet at your own benefit.

Today, influencers and online marketer are using their God gifted talent and some skills acquired to make a living through a process known as freelancing.

Freelancing is a form of business whereby a person offers his or her service to businesses and individuals at a price.

The whole freelancing business is automated, meaning you only have to create the gig and leave the rest to the platform providers to drive traffic to your service.

Platforms such as Fiverr,,, cedijob and their likes are some of the best freelancing platforms you can sign up and begin to take a job.

If you are good at writing, editing, graphic designing, video production, proofreading, riding. Just think of what you are good at and you are half away to making some cash.

In ghana, there are quite a number of freelancing websites. Platforms such as and can help you make money from your acquired skills through mobile money.

All that is required of you is to signup for an account and then begin to create a gig. This gig is the job/service you intended to offer to the general public to purchase.

Once you create the gig, you’ll put in some work to drive traffic to your gig for faster sells, or sit down and leave everything with the platform owners to provide the traffic to your gig.

In the end, if your gig offers the best satisfaction to customers, you’ll be getting more people patronizing that gig and this means more money in your momo account.

Final Words

The above-listed points are some of the best ways that i make money online in Ghana and you can also do using these same methods. If you need more details on any of the above don’t hesitate to get in touch with me for further clarification and assistance. Contact me through the comment or the contact form.

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