MTN Ghana

Name

MTN Ghana

Legal name

Scancom PLC

Website

https://mtn.com.gh

Company type

Public

Founded year

1996

Operating status

Operating

Headcount range

501–1,000 employees

Ownership category

akta.pro rank

Product category

Mobile Telecommunications

NAICS

Wired and Wireless Telecommunications (except Satellite) (5171)

SIC

Radiotelephone Communications (4812)

akta.pro industry

PRIMARYFSAMAEAD

Carrier Billing & Telco Mobile Money

Financial & Insurance/Payments & Transaction Processing/Digital Wallets & Mobile Payments

Keywords

• Mobile telecommunications services
• Mobile money fintech
• Fibre broadband internet
• Enterprise ICT solutions
• Mobile network operator

Headquarters

HQ city

Accra

HQ country

Ghana

HQ region

Africa

Offices5 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Infrastructure, Technology or R&D, Personnel, Supply Chain, Marketing or Sales, Operations

Revenue model

1. Mobile Voice Services: Voice call revenue from prepaid and postpaid mobile subscribers across MTN's national network. MTN holds approximately 73.9% market share in Ghana with over 31 million subscribers.
2. Mobile Data Services: Data services revenue grew 48.8% year-on-year, accounting for 53.6% of total service revenue at GH¢9.3 billion for Q3 2025. Driven by 4G population coverage of 98.9-99.2% and growing smartphone penetration.
3. Mobile Money (Fintech): Mobile Money revenue up 35.7% year-on-year. Structural separation into MobileMoney Fintech Ltd (MMFL) completed March 2026. MMFL recorded $549.15 million in revenue in 2025. Platform serves 19.3 million active users with lending, insurance, and merchant payment services.
4. Digital Services: Digital revenue surged 109.9% year-on-year, contributing to overall service revenue growth. Includes Ayoba, content services, and digital platforms.
5. Enterprise Solutions: B2B revenue from Business Fibre, SD-WAN, MPLS, Leased Lines, Vehicle Tracking, Mobile Advertising, Microsoft 365, and other ICT solutions sold to enterprise customers through direct sales.
6. Device Sales: Sale of devices including HMD Arc (GHS 899) and Infinix Note 60 Series in partnership with device manufacturers. Devices sold through MTN retail outlets and partner channels, often bundled with data offers.
7. Pick and Pay Later / Yello Biz Bundles: Device financing through Pick and Pay Later scheme. Yello Biz bundle combines 4G router, Microsoft 365 license, Unicom fixed voice, and Webwiz starter plan as a bundled offering for SMEs.

Pricing tiers

Go-to-market motion4 records

Distribution channels7 records

Marketing channels12 records

Core offering

MTN Ghana (Scancom PLC) provides mobile telecommunications services including voice, data, SMS, and fibre broadband to over 31 million subscribers. The company operates Ghana's largest Mobile Money (MoMo) fintech platform with 19.3 million active users, offering payments, lending, insurance, and merchant services. It also sells enterprise ICT solutions (Business Fibre, SD-WAN, MPLS, Vehicle Tracking, Business Eye surveillance, Microsoft 365) to corporate clients and SMEs.

Product overview

MTN Ghana operates a multi-faceted platform business organized around three core pillars: Connectivity (mobile voice, data, and fibre broadband), Fintech (Mobile Money), and Digital Services (enterprise and consumer solutions). The consumer connectivity layer spans prepaid/postpaid voice and data plans under the MTN brand, with youth-focused sub-brands (Pulse), women-focused bundles (Adwumapa), and loyalty programmes (MTN Rewards, MTN Prestige, Spin the Wheel, Sunday Special, Y'ello Thursday, MTN Special Day). The Mobile Money (MoMo) platform serves as the national fintech engine, offering peer-to-peer transfers, merchant payments, savings, lending, insurance, and bill payment to over 19 million active users. The enterprise division markets a comprehensive suite under 'MTN Business Solutions' covering fibre broadband, SD-WAN, MPLS, leased lines, vehicle tracking, smart surveillance (Business Eye), Wi-Fi extenders, Mobile Advertising, Microsoft 365/Education, Data Centre co-location, and APN SIM cards. Supporting these is the Yello Biz bundle (4G router + Microsoft 365 + Unicom + Webwiz), the Ayoba super-app platform, and the Chenosis API platform for telco integrations. The SME Accelerate programme rounds out the portfolio as a structured capacity-building initiative. The company also runs extensive CSR through the MTN Ghana Foundation (Bright Scholarships, Save a Life, Hitmakers, Heroes of Change) and the SME Accelerate initiative.

Differentiator

Problem solved

Functional benefit

Brands

• MTN Mobile Money (MoMo): Mobile financial services platform enabling payments, transfers, lending, insurance, and merchant payments
• MyMTN App
• SME Accelerate
• Y'ello Care
• Hitmakers
• Bright Scholarships
• Save a Life
• Adwumapa
• MTN Prestige
• MTN Rewards
• Yello Biz
• MTN Pulse
• MTN Jara

Products and services

• Mobile Voice and Data Services
• Mobile Money (MoMo)
• Unlimited Fibre Broadband (Home Internet)
• MTN Business Solutions (Enterprise ICT)

Quantifiable outcome

• Service revenue grew 36.2% year-on-year to GH¢24.4 billion (FY 2025)
• +12 more outcomes

Named customers9 records

Segments6 records

Ideal customer profiles5 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

24 partnerships are on record, tiered core, minor and flagship.

• Out There Media (OTM) and Pulse AfricacoreGTM or Marketing Partner · 26 June 2026Out There Media (OTM), a global mobile advertising technology firm, and Pulse Africa, a leading African media and culture company, announced a strategic partnership for digital advertising across Africa, starting in Nigeria and Ghana. The partnership combines OTM's Mobucks telco data-driven advertising technology and Fortune 500 client relationships with Pulse's local team of over 100 media professionals, targeting high-growth sectors including retail, FMCG, fintech, and gaming.
• DOSH Health InsurancecoreStrategic or Co-development Partner · 17 June 2026DOSH Health Insurance partnered with MTN Ghana during the Y'ello Care initiative at Maamobi General Hospital, committing GH¢1 million to cover medical bills for discharged patients unable to pay at Maamobi and eight other participating health facilities.
• SME Grow AfricacoreStrategic or Co-development Partner · 9 April 2026MTN Ghana partnered with SME Grow Africa to deliver a two-day training workshop for 250 SMEs in the Volta Region on 'Setting up Your Business for Growth.' Topics included record keeping, packaging, financial management, and digital marketing. SME Grow Africa announced plans to create a platform connecting Ghanaian businesses globally to facilitate trade and growth. SME Grow Africa also partners on the Adwumapa 'GROW HER Exceptionally' training programme.
• Holland GreentechminorStrategic or Co-development Partner · 7 April 2026MTN Ghana partnered with Holland Greentech to train women farmers in modern agricultural practices at the GH¢1.2 million model farm project at Pantang Hospital.
• La Nkwantanang-Madina Municipal AssemblyminorStrategic or Co-development Partner · 7 April 2026MTN Ghana partnered with the La Nkwantanang-Madina Municipal Assembly and the Municipal Agriculture Department for the model farm project at Pantang Hospital, training women farmers in modern agricultural techniques.
• HMD GlobalcoreTechnology or Integration · 26 March 2026Partnership to launch the HMD Arc affordable 4G smartphone at GHS 899, targeting first-time smartphone users and millions of Ghanaians on 2G feature phones. Includes 2.5GB data monthly for six months. Available at MTN Ghana Retail Experience Centres and selected partner retail outlets nationwide. Designed to accelerate 4G migration and digital inclusion.
• InfinixcoreTechnology or Integration · 18 March 2026Partnership to launch the Infinix Note 60 Series in Ghana, targeting affordable smartphone access and 4G migration. Includes 2GB free data monthly for six months for customers purchasing with MTN SIM, plus flexible payment options over 4-6 months. Available across more than 800 outlets nationwide.
• MastercardcoreStrategic or Co-development Partner · 17 March 2026Mastercard is a strategic partner in MTN Ghana's SME Accelerate programme, contributing to the training and digital tools component. The partnership supports the initiative's goal of digitising and growing Ghanaian SMEs across six regions. MTN Ghana has engaged over 2,000 businesses through the programme over three years.
• Nova Business School AfricacoreStrategic or Co-development Partner · 17 March 2026Nova Business School Africa partners with MTN Ghana for the SME Accelerate programme, providing business education and mentorship to participating entrepreneurs. The partnership targets six regions including Ashanti, Greater Accra, Western, Eastern, Volta, and Northern.
• Ghana Enterprises Agency (GEA)coreStrategic or Co-development Partner · 17 March 2026Ghana Enterprises Agency (GEA), Ghana's apex body for SME development, partners with MTN Ghana on the SME Accelerate programme. GEA CEO Margaret Ansei commended the initiative as the type of structured private-sector programme needed to support SME development in the country.
• GIZcoreStrategic or Co-development Partner · 17 March 2026GIZ (German development agency) partners with MTN Ghana on the SME Accelerate programme, contributing to training and capacity building for SMEs in Ghana.
• Ghana Regional Prosperity Council (GRPC)minorStrategic or Co-development Partner · 17 March 2026MTN Ghana reaffirmed commitment to regional investment through partnership with GRPC, participating in regional roadshows to promote investment opportunities in digital infrastructure, innovation, agriculture, healthcare, and education.
• Graphic Communications Group Ltd.minorStrategic or Co-development Partner · 16 March 2026Partnership providing Graphic Business newspaper subscription as a value-added service (Graphic Business Subscription) for MTN Business Fibre customers, offering digital access to the Graphic Business newspaper as part of the broadband subscription.
• Emirates AirlinesminorGTM or Marketing Partner · 27 February 2026MTN Ghana partnered with Emirates Airlines to reward a loyal customer with a complimentary return ticket to Dubai. The reward was drawn from MTN's Closed User Group Offer (CUGO) travel platform, providing discounts of up to 12% on selected Economy, Business, and First Class fares across Emirates' global network of over 150 destinations. Partnership described as delivering value for nearly a decade.
• HuaweiflagshipTechnology or Integration · 16 February 2026World's first large-scale deployment of Huawei's AI-powered Alpha Antenna technology in Ghana, enabling fully automated network parameter retrieval and dynamic multi-dimensional beam adjustment. Post-deployment: 6.8% traffic increase and 30x improvement in operations and maintenance efficiency. Supports MTN Ghana's transition to AI-driven autonomous network capabilities.
• National Blood Service GhanacoreStrategic or Co-development Partner · 16 February 2026MTN Ghana, in partnership with CalBank and the National Blood Service, conducted the 2026 'Save a Life' blood donation exercise targeting at least 7,000 units of blood across 44+ locations in all 16 regions. Since 2011, the initiative has collected over 29,000 units of blood. The National Blood Service commended the partnership as a 'game changer' for Ghana's healthcare sector.
• CalBankcoreStrategic or Co-development Partner · 16 February 2026CalBank partnered with MTN Ghana Foundation for the inaugural 2026 Save a Life blood donation drive, collecting 7,020 units of blood across 47 centres in all 16 regions of Ghana. Both companies committed to making the annual initiative permanent.
• Thrive & ShineminorStrategic or Co-development Partner · 6 February 2026MTN Ghana signed an MoU with youth-led non-profit Thrive & Shine to advance AI literacy and STEM empowerment among Ghanaian youth, providing mentoring, internship placements, and real-world project opportunities to equip students with technical and problem-solving skills for the digital economy.
• Ghana Ministry of Communications, Digital Technology and InnovationsflagshipStrategic or Co-development Partner · 2 February 2026MTN Ghana committed US$2 million to Ghana's Ministry of Communications, Digital Technology and Innovations to support the government's One Million Coders Programme, which aims to train one million young Ghanaians in coding and digital skills. MTN Ghana is also collaborating with the government to establish a US$25 million ICT Centre as part of its broader investment in Ghana's digital ecosystem.
• University of GhanacoreStrategic or Co-development Partner · 5 December 2025MTN Ghana partnered with University of Ghana and Defarmercist Group Ltd. to launch the Vegetable Hub of Excellence at the university, a GH¢3 million investment to train young entrepreneurs in modern agricultural techniques as part of the MTN Ghana Foundation's economic empowerment mission.
• Ghana Police Service - DOVVSUminorStrategic or Co-development Partner · 28 November 2025MTN Ghana partnered with Ghana Police Service's Domestic Violence and Victim Support Unit (DOVVSU) to launch the 16 Days of Activism campaign against online abuse and digital violence at schools in Accra, involving radio interviews, debates, and community discussions.
• Ayo Intermediaries (Star Assurance)coreStrategic or Co-development Partner · 17 November 2025MTN Ghana partnered with Ayo Intermediaries (underwritten by Sanlam Alliance) to embed insurance cover into the Adwumapa Bundle. Insurance cover of up to GH¢8,250 for weekly subscribers (business against fire and allied risks) and GH¢4,500 for monthly subscribers, powered by Star Assurance.
• Access Bank GhanacoreStrategic or Co-development Partner · 17 November 2025Access Bank Ghana provides W-Power Loans at lower than standard bank interest rates to Adwumapa Bundle subscribers. Also provides concessionary loans of 7% per annum for women in agriculture in partnership with MTN Ghana. GCB Bank also provides group loans of 3% interest rate for groups of women in business.
• Fidelity Bank GhanacoreStrategic or Co-development Partner · 17 November 2025Fidelity Bank Ghana provides concessionary loans of 7% per annum for women in agriculture through the Adwumapa Bundle partnership with MTN Ghana.

Scale indicators16 records

Recent moves10 records

Expansion highlights8 records

Direct peers

• Vodafone Ghana (now AT Ghana): Ghana's second-largest mobile operator, formed from the 2022 merger of Vodafone Ghana and AirtelTigo under the ATC Ghana brand. Directly competes with MTN Ghana for mobile subscribers, data, and enterprise customers; second-place position in nPerf rankings (15,004 nPoints vs MTN's 21,915).
• MTN Nigeria: Largest operating company within MTN Group and the direct peer for benchmarking subscriber, ARPU, and data revenue trajectories. Lower ARPU ($3.60 vs MTN Ghana's $6.76) but larger absolute scale; the structural template for fintech separation and 5G rollout.
• Airtel Africa: Pan-African mobile operator with presence in 14 countries including direct market overlap in West Africa. Comparable mobile + mobile money (Airtel Money) model and similar emerging-market telco economics, though with smaller Ghana presence post AirtelTigo merger.

Broad incumbents

• Safaricom Kenya: Kenya's dominant mobile operator and the originator of M-Pesa, the most successful mobile money platform in Africa. Comparable business model of mobile + fintech + fiber + enterprise; faces similar ARPU and fintech expansion dynamics as MTN Ghana.
• Orange Money / Orange Africa & Middle East: Orange's mobile money platform and its Africa & Middle East mobile operations are direct comparables for both the telecom and fintech (Orange Money) pillars of MTN Ghana's business, particularly relevant for the cross-border payments and merchant payment segments.
• Vodacom Group (M-Pesa): South African-headquartered telco with the largest mobile money platform in Africa (M-Pesa). Highly relevant peer for MTN Ghana's Mobile Money (MoMo) business model, ARPU dynamics, and the structural separation template for fintech.

Regional players

• Telecel Ghana: Smaller Ghana-focused mobile operator with limited market share, operating as a niche competitor to MTN Ghana in voice and data services within the same geographic market.

Emerging players

• Econet Wireless Zimbabwe / Cassava Smartech: Pan-African telco with significant mobile money operations (EcoCash) and a comparable emerging-market mobile + fintech model. Useful peer for fintech unit economics and structural separation dynamics.
• Mawingu Networks: Emerging wireless broadband provider in East Africa focused on underserved/rural markets. While not a direct competitor to MTN Ghana, relevant as a comparable for the rural/peri-urban connectivity expansion play that MTN Ghana is pursuing with its 800 new site program.

Others

• Africa Data Centres (Liquid): Pan-African data centre and connectivity infrastructure provider adjacent to MTN Ghana's enterprise and data centre co-location business. Relevant ecosystem player as MTN Ghana expands its enterprise ICT, cloud, and infrastructure offerings.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat7 records

Key highlights8 records

Customer concentration

• Xx.com/MTNGhana
• Facebookfacebook.com/MTNGhana
• LinkedInlinkedin.com/company/mtn-ghana
• Instagraminstagram.com/mtnghana

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles16 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about MTN Ghana