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Ghana (GH)

Ghana is one of West Africa's most attractive expat bases: English-speaking, politically stable, culturally warm and increasingly connected to the global African diaspora.

Capital: Accra
Region: Africa
Language: English
Currency: GHS (GHc)
Cost of living: Very affordable (index 31)
Emergency: 112

Digital Services

Digital ID, e-government and essential apps in Ghana.

Ghana Card / Non-Citizen Ghana Card

National identity number used for SIM registration, banking, tax, permits and many formal services. Foreign residents use the non-citizen version.

How to get it: Apply through National Identification Authority/Foreigners Identification Management System channels with passport and residence basis.

Unlocks these services
SIM registrationBank KYCGRA TIN alignmentNHIS linkagePermit/supporting IDSome government portals

E-Government Portal

https://www.ghana.gov.gh

Digital services are improving but not fully integrated. Keep paper receipts and screenshots after every online payment.

Available services
Government paymentsTaxpayer portal linksBusiness registration linksPassport servicesSome permit/licence paymentsDigital address lookup

Essential Apps

ExpatCheapRent

Free
Housing

Expat-focused cheap rental finder at expatcheaprent.com — compares listings across major rental portals to help newcomers find affordable apartments.

Meqasa

Free
Housing

Ghana's #1 real estate portal — 14,000+ verified rental listings across Accra, Kumasi and Tema, from agents and private landlords.

GhanaPostGPS

Free
Addressing

Digital address codes used for delivery and official location descriptions.

MTN MoMo

Free
Payments

Dominant mobile money wallet for daily payments.

Telecel Cash

Free
Payments

Mobile money wallet for Telecel users.

MyNHIS

Free
Healthcare

NHIS registration/renewal and membership services.

GRA Taxpayers Portal

Free
Tax

Tax filing/payment portal for GRA services.

ECG PowerApp

Free
Utilities

Electricity purchases and outage/customer-service tools.

Bolt

Free
Transport

Widely used ride-hailing app.

Uber

Free
Transport

Ride-hailing in Accra and selected areas.

Yango

Free
Transport

Competitive ride-hailing option.

Glovo/Jumia

Free
Delivery

Food/grocery/retail delivery depending on area.

WhatsApp

Free
Communication

Default messenger for offices, landlords, schools, drivers and community groups across Ghana — essential for day-to-day life in Accra and beyond.

A Ghana SIM and mobile money wallet are practical necessities. Protect SIM cards and wallet PINs carefully because SIM-swap and MoMo fraud are common.