Is Luno Available in Ghana?
Good news: Luno is available in Ghana and supports GHS deposits. Nigerian, Kenyan, Ghanaian, South African, Ugandan, Zambian, Zimbabwean and Rwandan traders can create a verified account and buy Bitcoin or Ethereum directly with local currency.
What is Luno?
Luno is a cryptocurrency exchange founded in 2013, headquartered in London. It was one of the first exchanges to specifically target sub-Saharan Africa and remains one of the most recognisable crypto brands on the continent. Luno is regulated in multiple jurisdictions and is known for its clean, beginner-friendly interface.
The SEC Ghana has been actively developing a crypto licensing framework. P2P trading is widely practised and not prohibited. The Bank of Ghana has cautioned about risks but has not banned individual crypto activity. Stick to licensed or internationally reputable platforms.
Key Features
- Buy/sell Bitcoin, Ethereum, XRP, SOL, USDC, Litecoin
- Local currency deposits and withdrawals
- Mobile app (iOS and Android)
- Simple buy/sell interface — ideal for beginners
- Luno Savings — earn yield on held crypto
- No P2P marketplace
Luno Fees — Ghana
| Fee Type | Amount |
|---|---|
| Spot trading (taker) | Up to 1.0% (tier-based) |
| Spot trading (maker) | 0% — 0.5% |
| Instant buy | Up to ~1.5% spread |
| Local currency deposit | Free |
| Local currency withdrawal | Varies by country |
For comparison: Bitget charges 0.1% spot and 0% for P2P buyers — significantly cheaper for active traders.
Luno Pros and Cons for Ghana Traders
| Pros | Cons |
|---|---|
| Regulated, established platform | No P2P marketplace |
| Beginner-friendly interface | Limited altcoin selection |
| Local currency deposits | Higher fees than Bitget/Bybit |
| Strong mobile app | No MTN MoMo support |
Our Verdict for Ghana Traders
Luno is a solid entry-level exchange for Ghana traders who want a simple, regulated platform to buy Bitcoin with their bank account. The clean interface and local currency support make it ideal for complete beginners. However, if you need P2P trading, MTN MoMo payments, or a wider selection of coins, Bitget or Bybit will serve you better.
Top Alternative: Bitget
For Ghana traders who need more than Luno offers:
- Active P2P marketplace with MTN MoMo support
- 0% fees for P2P buyers, 0.1% spot trading
- $300M protection fund
- Copy trading for beginners
- 500+ cryptocurrencies available
Frequently Asked Questions
Is Luno safe in 2026?
Yes. Luno is a regulated, established exchange that has operated since 2013. It is considered secure for the markets where it officially operates. However, always enable 2FA and use a strong unique password.
Can I use MTN MoMo on Luno?
No. Luno does not support MTN MoMo payments. For MTN MoMo crypto purchases, use the P2P marketplaces on Bitget or Bybit where merchants accept MTN MoMo directly.
Luno vs Bitget — which is better for Ghana?
Bitget is our top recommendation for Ghana traders: lower fees, P2P with MTN MoMo, more coins, and a $300M protection fund. Luno is suitable for absolute beginners who want simplicity and only need BTC or ETH.
Disclaimer: Content is for informational purposes only. Not financial advice.