No credit card? No problem. Unlike the big international agencies, car rental in Ghana runs on Mobile Money, transfer and cash — here’s how renting without a card actually works.
Anyone who has rented from a big international agency knows the drill: a credit card in the main driver’s name, with a hefty hold placed on it for the deposit. For travellers who use debit cards or Mobile Money, or who simply don’t want a large hold on their card, that can be a real obstacle. The good news in Ghana is that it’s a non-issue: you don’t need a credit card to rent a car here. This guide explains how it works instead.
Car rental in Ghana runs on the payment methods the country actually uses day to day — Mobile Money, bank transfer and cash — not on international credit cards. There’s no requirement to produce a credit card, and no card pre-authorisation hold. That’s a genuine advantage over the big global chains, and it opens up renting to plenty of people the credit-card model locks out.
It’s simple. Once we’ve agreed your vehicle, dates and price, you pay the deposit to hold the car and later the balance — by Mobile Money (MTN, Telecel or AirtelTigo), bank transfer, or cash. You get a confirmation for each payment, and we confirm from our side. Our dedicated guide on paying by Mobile Money walks through the MoMo route in detail.
On self-drive rentals there’s a refundable security deposit, held against the vehicle and returned when it comes back on time, full and undamaged. Without a credit card, this is simply handled by Mobile Money, transfer or cash rather than a card hold — you need the funds available, but there’s no block placed on a credit line. The amount and terms are set out clearly in your written quote, so you know exactly what to have ready. Our what’s-included guide explains how deposits fit into the overall cost.
For visitors, this removes a common headache: no need to carry a specific credit card with enough headroom for a big international hold. For locals and the many Ghanaians who transact by Mobile Money rather than credit card, it means renting works on the rails you already use. Either way, paying in cedis or your home currency by the method that suits you keeps things simple.
Tell us your dates and vehicle. We’ll confirm one clear price and you pay by Mobile Money, transfer or cash — no credit card needed.
To book, tell us your vehicle, dates and pickup. We send a written quote, and once you’re happy, our Mobile Money or bank details for the deposit. You pay by whatever method suits — MoMo, transfer or cash — keep your confirmation, and the car is held. Straightforward, and no payment is ever taken on the website. Just remember to confirm our official payment details before sending anything; our scam-avoidance guide has the sensible precautions.
Payment methods and deposit terms are reviewed October 2026 and set out in your written quote. Always confirm official payment details before sending any Mobile Money or transfer.