MTN Mobile Money to Alipay: Send Money to China in Minutes

Introduction

Did you know you can send money from MTN Mobile Money to Alipay in China within minutes? This guide shows Ghanaians how to use MTN MoMo to fund Alipay accounts and send RMB to friends, family, or business partners in China.

Why MTN Mobile Money for China Transfers?

MTN Mobile Money is Ghana's most popular mobile payment service with over 15 million users. Combined with Alipay, it creates a powerful corridor for Ghana-China money transfers:

• Instant: Money arrives in 5-15 minutes
• Affordable: Lower fees than Western Union or MoneyGram
• Convenient: No bank visit required
• 24/7: Send money anytime, including weekends
• Secure: Licensed and regulated service

The Ghana-China Money Transfer Challenge

Traditional international money transfer services have limitations:

Western Union / MoneyGram:
- High fees (15-20% for small amounts)
- Recipients need to visit physical locations in China
- Limited to certain cities
- ID requirements complicated for non-citizens

Bank Wire Transfers:
- Expensive (GHS 300-500 per transfer)
- Slow (3-5 business days)
- Requires Chinese bank account
- Complicated paperwork

Mobile Money Direct: Not supported between Ghana and China

The Solution: MTN MoMo + BuyRMB GH + Alipay

This combination creates a seamless money corridor:

1. You send GHS via MTN Mobile Money
2. BuyRMB GH converts to RMB instantly
3. Recipient receives RMB in their Alipay account

Total time: 5-15 minutes
Total cost: Transparent exchange rate, no hidden fees

How to Send Money with MTN MoMo to Alipay

Step 1: Get Recipient's Alipay QR Code

Ask your recipient in China to:

1. Open their Alipay app
2. Go to "Me" → "My QR Code"
3. Send you a screenshot of their collection QR code (收钱码)

Step 2: Create Your Order

1. Visit buyrmbgh.com/buy-rmb
2. Enter the GHS amount you want to send
3. See the RMB amount your recipient will receive
4. Upload the recipient's Alipay QR code

Step 3: Pay with MTN Mobile Money

Method 1: Dial *170# (USSD)

1. Dial *170# on your MTN line
2. Select option 1 (Send Money)
3. Select option 1 (MoMo User)
4. Enter the merchant number shown on BuyRMB GH
5. Enter the exact amount
6. Confirm with your MOMO PIN
7. You'll receive an SMS confirmation with transaction ID

Method 2: MyMTN App

1. Open the MyMTN app
2. Tap "MoMo"
3. Tap "Send Money"
4. Enter merchant number
5. Enter amount
6. Confirm with PIN/fingerprint

Method 3: MoMo Agent

• Visit any MTN Mobile Money agent
• Provide merchant number and amount
• Pay in cash
• Get transaction receipt

Step 4: Submit Transaction ID

1. Copy your MTN transaction ID from the SMS
2. Enter it on the BuyRMB GH order page
3. Submit and wait for confirmation

Step 5: Recipient Gets RMB

Within 5-15 minutes:

• Your recipient sees RMB in their Alipay balance
• They receive an Alipay notification
• You receive email confirmation

Cost Comparison: MTN MoMo vs Traditional Methods

Sending GHS 1,000 (≈ 417 CNY) to China:

Savings with MTN MoMo: GHS 120-350 per transfer!

Who Benefits Most?

1. Students in China:
- Parents can send allowances instantly
- No need for expensive wire transfers
- Receive money even during holidays

2. Business Owners:
- Pay Chinese suppliers quickly
- Lower transaction costs
- Better cash flow management

3. Ghanaians in China:
- Receive money from family in Ghana
- Emergency funds arrive within minutes
- No Chinese bank account needed

4. Online Shoppers:
- Fund your Alipay for Taobao shopping
- Buy from Chinese e-commerce sites
- Access better prices than local shops

Safety and Security

Is MTN MoMo to Alipay transfer safe?

Yes! Here's why:

• Licensed Service: BuyRMB GH operates under Ghana Financial Services Act
• Encrypted Transactions: All payments use secure channels
• No Card Details: You never share sensitive banking information
• Official MoMo Merchant: Verified MTN Mobile Money merchant
• 10,000+ Transactions: Proven track record

Protection Measures:

• Transaction confirmation emails
• Order tracking dashboard
• 24/7 customer support
• Full refund if delivery fails

Common Questions

Tips for Regular Users

1. Verify your MTN MoMo account — Increases daily limits
2. Save transaction IDs — Keep records for 30 days
3. Send during business hours — Fastest processing 8am-10pm
4. Create a BuyRMB account — Faster repeat transactions
5. Bookmark the website — Quick access when you need it

Alternatives to MTN MoMo

Don't have MTN? No problem! BuyRMB GH also accepts:

• Telecel Cash (formerly Vodafone Cash) — *110#
• AirtelTigo Money — *500#
• Bank Transfer — Ghana Commercial Bank

Same fast service, same great rates.

Real Customer Stories

Kwame A., Kumasi:
"I send GHS 500 to my daughter in Hangzhou every month for her living expenses. With MTN MoMo, she gets the money in 10 minutes. Before, I used Western Union and paid GHS 75 in fees each time. BuyRMB saved me GHS 900 per year!"

Ama D., Accra:
"I import goods from Guangzhou for my shop. Paying suppliers used to take 5 days with bank transfers. Now I pay via MTN MoMo and they ship the same day. Game changer for my business!"

Conclusion

MTN Mobile Money has revolutionized how Ghanaians send money to China. Combined with Alipay through BuyRMB GH, it's now faster, cheaper, and more convenient than ever to support loved ones or pay business partners in China.

Ready to send money to China?
Complete your first transfer →