Sub-account
What it costs to be paid
Three answers, not two. One bookmaker on this ledger publishes a charge, four publish a free position on every row they list, and four publish nothing at all. The third group is not free. It is unstated, and this page will not print it as free.
Book by book
| Bookmaker | Position published | Reading |
|---|---|---|
| SportyBet | free on every row it publishes | A free position on every row the operator lists. It does not cover whatever the network charges the wallet. |
| Betway | nothing published | No statement either way on any row we could read. Treat it as unknown rather than as free. |
| Premier Bet | nothing published | No statement either way on any row we could read. Treat it as unknown rather than as free. |
| BetFox | free on every row it publishes | A free position on every row the operator lists. It does not cover whatever the network charges the wallet. |
| MSport | free on every row it publishes | A free position on every row the operator lists. It does not cover whatever the network charges the wallet. |
| Bangbet | nothing published | No statement either way on any row we could read. Treat it as unknown rather than as free. |
| betPawa | 1% withdrawal fee charged by betPawa; deposits free | A charge, published by the operator itself. It is the honest kind of answer even though it is the expensive one. |
| Soccabet | nothing published | No statement either way on any row we could read. Treat it as unknown rather than as free. |
| Wiwi Casino | free on every row it publishes | A free position on every row the operator lists. It does not cover whatever the network charges the wallet. |
The levy that used to sit on every transfer
Electronic transfer levy, repealed 2 April 2025
No government levy sits on a mobile money transfer today. The electronic transfer levy was repealed on 2 April 2025 under the Electronic Transfer Levy (Repeal) Act, 2025 (Act 1128).
A levy on electronic transfers was introduced at 1.5% in 1 May 2022, reduced to 1% at the start of 2023, and repealed outright on 2 April 2025. Depositing to a bookmaker by mobile money therefore carries no state charge at all, and any page that still describes one is describing the position before that date.
| From | Rate | Instrument |
|---|---|---|
| 1 May 2022 | 1.5% | Electronic Transfer Levy Act, 2022 (Act 1075) |
| 1 January 2023 | 1% | Electronic Transfer Levy (Amendment) Act, 2022 (Act 1089) |
| 2 April 2025 | 0% | Electronic Transfer Levy (Repeal) Act, 2025 (Act 1128) |
Two things ended on the same day and they are separate instruments. The levy on the transfer went under one act; the withholding on gross winnings, ten per cent of it, went under another. A page that mentions either has to carry the date, because saying Ghana taxes winnings is now wrong and saying it never did is also wrong.
The rows that carry a charge field at all
- SportyBet, MTN Mobile Money: none
- SportyBet, Telecel Cash: none
- SportyBet, AirtelTigo Money: none
- SportyBet, Debit or credit card: none
- BetFox, MTN Mobile Money: none
- BetFox, Telecel Cash: none
- BetFox, AirtelTigo Money: none
- MSport, MTN Mobile Money: none
- MSport, AirtelTigo Money: none
- MSport, Telecel Cash: none
- betPawa, MTN Mobile Money: 1% withdrawal fee charged by betPawa; deposits free
- betPawa, Telecel Cash: 1% withdrawal fee charged by betPawa; deposits free
- betPawa, AirtelTigo Money: 1% withdrawal fee charged by betPawa; deposits free
- Wiwi Casino, MTN Mobile Money: free
- Wiwi Casino, Telecel Cash: free
- Wiwi Casino, AirtelTigo Money: free
Every other row in the ledger has an empty charge field, which is why the summary above counts books rather than rows.
Questions about charges
Is there still a tax on sending mobile money to a bookmaker?
No government levy sits on a mobile money transfer today. The electronic transfer levy was repealed on 2 April 2025 under the Electronic Transfer Levy (Repeal) Act, 2025 (Act 1128).
Do Ghanaian bookmakers charge to withdraw?
one of the nine on this ledger publishes a charge: betPawa, 1% withdrawal fee charged by betPawa; deposits free. four publish a free position on every row, and four publish nothing either way.
Does my network charge me on top?
Probably, and this ledger prints no figure for it. Mobile money tariffs are set by the networks, change without notice and are not published in a form this desk could verify, so every telco fee field in the fact base is deliberately empty. What is recorded here is what the bookmaker charges, which is a different question.
Is tax withheld from my winnings?
Not today. A ten per cent withholding on gross winnings ran from 2023 until it was repealed on 2 April 2025. The twenty per cent tax on gross gaming revenue that remains is an operator obligation and does not reduce what a player receives.