How To Make Money Online in Ghana: 20 Tried & Tested Ways

In today’s digital age, how to make money online in Ghana has never been easier or more accessible. It doesn’t matter if you’re a university student in Accra looking for ways to pay fees, a young professional in Kumasi seeking a side hustle, or a stay-at-home parent in Takoradi hoping to support your household, the internet offers countless opportunities to earn.

The best part? You don’t need to be a tech genius or have a lot of money to start making money online in Ghana. Many of the skills and hustles can be learned for free, and with a smartphone, laptop, and stable internet connection, you can build streams of income from the comfort of your home.

In this article, we’ll explore 20 options for how to make money online in Ghana. Each idea includes practical steps to get started, how much you can potentially earn in Ghana Cedis (₵), real success stories of Ghanaians making it happen, expert advice, and key lessons learned.

How To Make Money Online in Ghana: 20 Ways That Work

If you’ve ever wondered how to make money online in Ghana, the truth is that it has never been more achievable than it is today.

From freelancing to e-commerce, teaching to investing, there are countless options that you can pursue. In this article, I’ll walk you through 20 tested and trusted ways to make money online in Ghana, how each one works, and what you need to get started.

1. Freelance Writing

Freelance writing is one of the most popular ways to make money in Ghana because it allows you to earn money from the comfort of your home. You can write a wide range of content such as blog posts, website copy, social media captions, product descriptions, and even full-length eBooks. Many businesses and individuals worldwide are constantly in need of fresh content, which makes this skill highly marketable. With just a laptop and internet connection, you can connect with clients on platforms like Upwork, Fiverr, or directly through networking. Over time, skilled writers can build long-term relationships with clients and increase their income significantly.

How to start:

1. Build strong writing skills (practice on your own blog or LinkedIn).

2. Sign up on platforms like Fiverr, Upwork, or local Facebook writing groups.

3. Create a portfolio — showcase 2–3 sample articles.

4. Pitch to clients regularly and deliver high-quality work on time.

Earnings Potential: Beginner writers can earn between ₵2,500 – ₵4,000 monthly. Experienced writers charge up to ₵500 – ₵1,000 per article, earning ₵8,000+ monthly.

Platforms: Fiverr, Upwork, Freelancer, LinkedIn, and local Ghanaian Facebook freelance groups.

Success Story: Ama, a student at the University of Ghana, started writing articles for small blogs during her second year. Within one year, she was earning over ₵5,000 a month, enough to pay her fees and support her family.

Expert Tip: “Clients pay for quality and reliability. Never compromise on deadlines.” — Ama Adom, a Ghanaian freelance writer.

Lesson Learned: Writing pays well, but consistency and communication are key to long-term success.

2. Customer Support

Customer support is one of the most flexible and reliable online jobs in Ghana. Companies are outsourcing their customer service roles to remote workers, and Ghanaians with good communication skills are cashing in. As a customer support agent, your work may involve answering inquiries via live chat, responding to emails, or assisting clients on phone calls. The demand for bilingual support is even higher. If you speak English plus Twi, Ga, or French, you become more valuable. This job is ideal for students, stay-at-home parents, and anyone looking to build a career in tech-enabled services.

How To Start

• Sign up on job boards like Remote.co, We Work Remotely, Jobberman Ghana, or Indeed.
• Prepare a CV highlighting your communication, problem-solving, and tech skills.
• Have a quiet working space, a laptop, a stable internet connection, and a headset.
• Apply for entry-level roles and gradually move to senior customer success jobs.

Earnings Potential: ₵2,500 – ₵12,000 per month depending on the company and workload.

Success Story: Adwoa Owusu, a graduate from KNUST, started her online career working as a customer service rep for an e-commerce store in South Africa. Within two years, she was promoted to a remote Customer Success Manager role, earning over ₵10,000 monthly.

Expert Tip: “To succeed in customer support, you must listen actively, empathize with the client, and always provide timely responses. Customers remember how you made them feel.” — Adwoa Owusu, Customer Support Manager in Accra.

Lesson Learned: Customer support is not just about answering questions; it’s about building trust. When you treat clients with respect and patience, companies notice your value and pay more.

3. Affiliate Marketing

Affiliate marketing is one of the smart ways to make money online in Ghana. It simply means promoting products or services and earning a commission each time someone buys through your referral link. With social media, affiliate marketing has become one of the fastest-growing online hustles, especially for influencers and bloggers. It works across different niches: beauty, health, tech gadgets, fashion, and even finance.

How To Start

• Choose a niche you’re passionate about (e.g., skincare, phones, or online courses).
• Sign up for affiliate programs such as Jumia KOL Program, Amazon Associates, or ClickBank.
• Build a blog, YouTube channel, or Instagram page to promote the products.
• Share your affiliate links strategically in your content.

Earnings Potential: ₵1,000 – ₵40,000 per month depending on traffic and niche.

Success Story: Kojo Mensah, a lifestyle blogger, started writing reviews of affordable gadgets on his blog. By sharing affiliate links to Jumia and Amazon, he now earns over ₵15,000 monthly from commissions alone.

Expert Tip: “Don’t promote everything. Only recommend products you trust. Your credibility is the biggest driver of affiliate income.” — Kojo Mensah, lifestyle blogger in Kumasi.

Lesson Learned: Affiliate marketing takes time. At first, the clicks may be small, but consistency and trust-building turn your blog or social media into a money-making machine.

4. E-Commerce

E-commerce is one of the hottest ways to make money online in Ghana today. Whether you are selling thrift clothes (obroni wawu), handmade jewelry, food items, or digital products, the internet allows you to reach thousands of customers beyond your neighborhood. Many young Ghanaians are building successful online shops without ever renting a physical store as social media platforms like Instagram, Facebook, and TikTok have become marketplaces on their own.

How To Start

• Decide on what to sell (physical or digital products).
• Open an online shop using Jumia, Jiji, Tonaton, Selar, or Shopify.
• Take high-quality pictures of your products.
• Market using TikTok videos, Instagram reels, and WhatsApp status.

Earnings Potential: ₵3,000 – ₵80,000+ per month depending on your product and marketing.

Success Story: Ama Serwaa started an online thrift store on Instagram with just ₵500. She reinvested her profits and now earns over ₵20,000 monthly, shipping clothes to customers across Ghana.

Expert Tip: “Start small, master your product, and let customer feedback guide you before scaling.” — Ama Serwaa, E-commerce Entrepreneur in Accra.

Lesson Learned: Success in e-commerce is not about selling everything. Focus on a niche, master it, and scale gradually.

5. Content Creation

Content creation is booming in Ghana. From skits and comedy videos on TikTok, to tech reviews on YouTube, to lifestyle vlogs on Instagram, creators are earning thousands of cedis monthly. As a content creator, you can make money through ads, sponsored posts, affiliate marketing, merchandise sales, and brand partnerships. Ghanaians like Kwadwo Sheldon, Teacher Kwadwo, and Asantewaa have proven how powerful content creation can be.

How To Start

• Pick a niche (e.g., comedy, education, lifestyle).
• Choose your platform: YouTube, Instagram, TikTok, or Facebook.
• Post consistently and engage with your audience.
• Apply for monetization (YouTube AdSense, TikTok Creator Fund).

Earnings Potential: ₵2,000 – ₵150,000+ per month depending on platform and reach.

Success Story: Rick Aqua, a Ghanaian TikToker, started by posting funny lip-sync videos. Within 18 months, he grew a massive following and now earns over ₵30,000 monthly through brand partnerships.

Expert Tip: “Don’t chase virality; chase consistency. Virality makes you popular, consistency makes you profitable.” — Rick Aqua, Content Creator in Ghana.

Lesson Learned: Content creation rewards those who treat it like a business. Quality + consistency = long-term income.

6. Blogging

Blogging remains one of the best online income streams in Ghana for people who love writing and storytelling. If you write about entertainment, tech, food, personal finance, or lifestyle, blogging allows you to share knowledge while building a loyal audience. Once your blog grows, you can monetize it through Google AdSense, affiliate marketing, sponsored posts, and selling your own digital products.

How To Start

• Pick a niche that excites you (e.g., Ghanaian food recipes, campus lifestyle, or tech reviews).
• Create your blog using WordPress, Wix, or Blogger.
• Write consistently (2–3 posts weekly).
• Promote your blog on TikTok, X, and Facebook groups.

Earnings Potential: ₵2,000 – ₵60,000+ monthly, depending on traffic.

Success Story: Linda A. from Accra started a blog about Ghanaian jollof recipes. Within two years, her site gained international traffic, and she now makes over ₵25,000 a month from ads and affiliate links.

Expert Tip: “Blogging is a marathon, not a sprint. Your first 10 posts won’t make you rich, but your 100th post could.” — Linda A, Ghanaian Blogger.

Lesson Learned: Don’t chase every trend. Focus on evergreen content that people will always search for, like “best banks in Ghana” or “affordable data bundles.”

7. Dropshipping

Dropshipping has become a popular online business in Ghana because it allows you to sell products without buying stock upfront. You set up an online shop, list products, and when someone buys, the supplier ships directly to the customer. This eliminates storage costs and reduces risks.

How To Start

• Find a niche (electronics, fashion, fitness).
• Create an online store using Shopify, WooCommerce or social media marketplaces.
• Partner with reliable suppliers from China, the U.S., or even Ghana.
• Market aggressively on TikTok, Instagram, and WhatsApp.

Earnings Potential: ₵3,500 – ₵50,000+ per month.

Success Story: Yaw Boateng, a university student, started a dropshipping store for phone accessories. In his second year, he was already making over ₵15,000 monthly, which paid his fees and rent.

Expert Tip: “Focus on customer service, because your buyers don’t care if you’re dropshipping, they just want quick delivery and quality products.” — Yaw Boateng, University student and dropshipper.

Lesson Learned: Don’t rely on one supplier. Always have backups to avoid delays and unhappy customers.

8. Virtual Assistance

Many Ghanaian youth are now becoming virtual assistants (VAs) for companies abroad. As a VA, you handle tasks such as scheduling, email management, social media posting, bookkeeping, or research. It’s flexible, pays well, and doesn’t require a degree, just organization and communication skills.

How To Start

• Identify your skills (admin, design, writing, customer support).
• Create a professional profile on Upwork, Fiverr, and LinkedIn.
• Offer packages (e.g., 10 hours a week, 20 hours a week).
• Start with small clients and scale up.

Earnings Potential: ₵2,000 – ₵18,000 monthly.

Success Story: Efua Danso, a young mother in Takoradi, became a VA for a U.S. real estate company. Today, she earns over ₵12,000 monthly and has started her own VA agency, hiring other Ghanaians.

Expert Tip: “Don’t call yourself just a VA. Specialize. Be a ‘Podcast VA’ or ‘E-commerce VA’ and clients will find you faster.” — Efua Danso.

Lesson Learned: Time management is your biggest strength. Deliver on time and clients will keep you for years.

9. Online Tutoring

Education is a big market in Ghana, and online tutoring is growing. Parents want extra lessons for their kids, and university students need help with specific courses. Tutors can now earn good money by teaching subjects like Mathematics, English, Science, or French online to students in Ghana and globally.

How To Start

• Pick subjects you’re strong in.
• Register on platforms like Preply, TeachMe2, or Superprof.
• Promote your tutoring services on WhatsApp groups and Facebook.
• Offer free trial lessons to attract parents and students.

Earnings Potential: ₵1,500 – ₵10,000 monthly.

Success Story: Samuel, a UCC student, began tutoring SHS students in Math over Zoom. Today, he makes ₵6,000 a month teaching students from around the world while still studying.

Expert Tip: “Patience is key. Don’t rush students. Adapt your teaching style to their learning speed.” — Samuel, Online Tutor.

Lesson Learned: Teaching online builds not just money but reputation. Students refer to you if you truly help them improve.

10. YouTube Channel

YouTube is the second-largest search engine in the world and one of the most profitable platforms for Ghanaian creators. From tech reviews, campus lifestyle, to Ghanaian cooking, YouTubers earn from ads, sponsorships, and affiliate marketing.

How To Start

• Pick a niche (food, tech, lifestyle, comedy, education).
• Use your phone to shoot videos. Quality matters, but start small.
• Post at least once a week.
• Join YouTube Partner Program after hitting 1,000 subscribers and 4,000 watch hours.

Earnings Potential: ₵3,000 – ₵100,000+ monthly.

Success Story: Wode Maya, Ghana’s top YouTuber, started with travel vlogs. Today, he makes thousands of dollars monthly, proving YouTube is life-changing.

Expert Tip: “Don’t wait to have the perfect camera. Consistency beats equipment.” — Wode Maya.

Lesson Learned: Storytelling matters more than gear. People watch creators who inspire or entertain, not just those with fancy cameras.

11. Social Media Management

Businesses and brands in Ghana need help managing their Instagram, TikTok, and Twitter pages. Social media managers plan content, post consistently, reply to comments, and grow accounts. With businesses moving online, this is a high-demand skill.

How To Start

• Learn basics of content creation and analytics.
• Offer to manage accounts for small businesses at a discount.
• Create a portfolio of “before and after” growth.
• Pitch bigger clients after building proof.

Earnings Potential: ₵2,500 – ₵25,000+ monthly.

Success Story: Abigail, a SHS graduate, started managing Instagram pages for salons. Within 2 years, she has managed many brands and makes ₵18,000 monthly.

Expert Tip: “Post for the customer, not the business owner. Always ask: what does the audience want to see?” — Abigail, Social Media Manager.

Lesson Learned: Businesses care about sales, not likes. Show results in leads and conversions.

12. Graphic Design

Graphic design is one of the most marketable online skills can make you money online in Ghana. Every business, church, or influencer needs flyers, logos, and social media creatives. With design software like Canva, Photoshop, and Illustrator, you can earn a steady income creating designs for clients worldwide.

How To Start

• Learn design basics using free YouTube tutorials or courses on Coursera.
• Start with Canva if you can’t afford expensive tools.
• Build a portfolio on Instagram or Behance.
• Offer your services on Fiverr, Upwork, and local WhatsApp groups.

Earnings Potential: ₵2,000 – ₵20,000+ monthly.

Success Story: Kwame Owusu started designing church flyers for ₵30 each in Kumasi. Today, he works remotely with U.S. clients and earns over ₵12,000 every month.

Expert Tip: “Always deliver more than one version of a design. Clients love to feel they have a choice.” — Kwame Owusu.

Lesson Learned: The more you practice, the better you become. A strong portfolio brings clients to you without constant chasing.

13. Web Development

Web development is in huge demand as more Ghanaian businesses want an online presence. Developers create websites, apps, and e-commerce platforms. With coding skills, you can serve both local and international clients.

How To Start

• Learn coding languages like HTML, CSS, JavaScript, and PHP.
• Practice by building free websites for friends or NGOs.
• List your services on Fiverr, Toptal, and LinkedIn.
• Expand into building e-commerce sites with Shopify or WooCommerce.

Earnings Potential: ₵5,000 – ₵50,000+ monthly.

Success Story: Daniel, a self-taught coder from Tema, started designing basic websites for local shops. Within three years, he was contracted by a Canadian firm, now earning over ₵40,000 monthly.

Expert Tip: “Don’t just code; learn design too. A developer with an eye for design earns double.” — Daniel, Web Developer.

Lesson Learned: Start small, but keep learning. Tech evolves quickly, and your growth depends on staying updated.

14. App Development

App development is another goldmine for Ghanaians with coding skills. From ride-hailing apps to food delivery, Ghanaians are creating apps that solve real problems. Developers earn big by freelancing, selling apps, or working with startups.

How To Start

• Learn Android (Java, Kotlin) or iOS (Swift) development.
• Build small apps like calculators or to-do lists first.
• Publish apps on Google Play Store or Apple App Store.
• Offer freelance app development services on Upwork or Fiverr.

Earnings Potential: ₵8,000 – ₵80,000 monthly.

Success Story: Michael Asante built a budgeting app for university students. It got over 10,000 downloads, and earned more than ₵20,000+ monthly from ads and premium subscriptions before he pivoted to another product.

Expert Tip: “Don’t build apps no one needs. Solve a problem, even if it’s small.” — Michael Asante.

Lesson Learned: Your first app may fail, but each project improves your skills and brings you closer to a hit.

15. Digital Marketing

Digital marketing covers SEO, paid ads, influencer campaigns, and email marketing. Ghanaian businesses are increasingly moving online, and they need skilled marketers to reach customers. If you love strategy and analytics, this is a lucrative space.

How To Start

• Take online courses on Google Digital Skills, HubSpot, or Coursera.
• Offer free services to small businesses for testimonials.
• Create a case study portfolio showing your results.
• Pitch your services to e-commerce brands and startups.

Earnings Potential: ₵4,000 – ₵35,000+ monthly.

Success Story: Afua Asiedu helped a local skincare brand increase sales through Instagram ads. Her campaign went viral, and she now manages marketing for multiple companies, making ₵25,000 monthly.

Expert Tip: “Track your results. Businesses don’t pay for ‘likes,’ they pay for conversions.” — Afua Asiedu.

Lesson Learned: The more measurable your results, the faster you attract bigger clients.

16. Copywriting

Copywriting is the art of writing persuasive words that sell. From sales pages to email campaigns, good copywriters are in demand. In Ghana, companies need skilled writers to promote products online.

How To Start

• Learn copywriting basics from books like The Copywriter’s Handbook.
• Write sample ads and upload them on LinkedIn or Medium.
• Offer services on Fiverr, Upwork, and directly to Ghanaian startups.
• Join online writing communities for feedback.

Earnings Potential: ₵2,500 – ₵30,000+ monthly.

Success Story: Kobby, a young graduate, wrote sales copy for an e-commerce shop selling sneakers. His ad increased sales by 300%, and he now earns ₵18,000 monthly as a freelance copywriter.

Expert Tip: “Write for emotions first, logic second. People buy feelings, not features.” — Kobby, Copywriter.

Lesson Learned: Every word should push the reader closer to action. Remove fluff and focus on value.

17. Podcasting

Podcasting is growing in Ghana, with shows covering business, comedy, and culture. With just a microphone and internet, you can start a podcast, grow an audience, and monetize through sponsorships, ads, and listener support.

How To Start

• Pick a niche (music, entrepreneurship, lifestyle).
• Record episodes using Anchor or Audacity.
• Publish on Spotify, Apple Podcasts, and Google Podcasts.
• Promote using social media clips.

Earnings Potential: ₵1,500 – ₵20,000 monthly.

Success Story: Ama Baidoo started a women-in-business podcast. After growing her listeners, she secured sponsorship from a local bank, earning ₵10,000 per month.

Expert Tip: “Podcasting is about consistency. Listeners want to know you’ll show up every week.” — Ama Baidoo.

Lesson Learned: Your audience is your greatest asset. Serve them with value, and the sponsors will come.

18. Create Online Courses

Ghanaians are paying to learn online skills, from baking to coding. Creating online courses allows you to earn while teaching. Platforms like Selar, Udemy, and Teachable make it easy to sell courses.

How To Start

• Pick a skill you know (e.g., forex trading, baking, video editing).
• Create structured lessons using your phone or laptop.
• Upload the course to Selar or Udemy.
• Promote through social media and email lists.

Earnings Potential: ₵3,000 – ₵50,000 monthly.

Success Story: Josephine, a baker from Kumasi, created a course on cake decoration. Within a year, she earned over ₵30,000 selling it online.

Expert Tip: “Your course doesn’t need to be perfect; it needs to be practical.” — Josephine.

Lesson Learned: People pay for clarity, not complexity. Teach in simple steps and your course will sell.

19. Online Trading (Forex & Crypto)

Online trading is popular among young Ghanaians. Forex and cryptocurrency trading can be profitable, but they require skill, discipline, and risk management. Many people lose money because they rush in without training.

How To Start

• Take trading courses or mentorships.
• Use demo accounts before investing real money.
• Trade on trusted platforms like Binance or MT4.
• Never invest money you can’t afford to lose.

Earnings Potential: ₵2,000 – ₵100,000+ monthly (but high risk).

Success Story: Nana K., a trader in Accra, studied forex for two years before trading live. Today, he makes an average of ₵20,000 monthly and teaches others responsibly.

Expert Tip: “Trading is not gambling. Master risk management before chasing profits.” — Nana K.

Lesson Learned: Patience pays. Those who rush usually lose, those who study and apply discipline win.

20. Online Consulting/Coaching

If you have expertise in business, finance, health, or personal development, you can make money offering consulting or coaching online. Many Ghanaians are now charging for their knowledge through one-on-one calls, group programs, or webinars.

How To Start

• Identify your area of expertise (career, finance, fitness, relationships).
• Package your knowledge into sessions (Zoom or Google Meet).
• Set up a payment system using Accrue, Selar, or Paystack.
• Promote your services on LinkedIn, TikTok, and Instagram.

Earnings Potential: ₵5,000 – ₵70,000 monthly.

Success Story: Dr. Mensima, a nutrition coach, started giving free live videos on Instagram. She built credibility and now runs an online coaching business that earns over ₵40,000 monthly.

Expert Tip: “Your story is part of your brand. People pay you because they trust your journey.” — Dr. Mensima.

Lesson Learned: People don’t just pay for information. They pay for transformation. Show results and clients will gladly invest.

Frequently Asked Questions (FAQs) About How To Make Money Online in Ghana

1. What is the best online business to start in Ghana?

The best online business depends on your skills and resources. For beginners, freelancing, content creation, and social media management are excellent low-cost options. For those with some capital, e-commerce and dropshipping offer big returns. If you have technical skills, web/app development and digital marketing pay the most. The key is to start small, be consistent, and grow step by step.

2. Which online skills pay the most in Ghana?

High-income skills in Ghana include web development, app development, copywriting, digital marketing, and consulting. These skills are in high demand both locally and internationally. With the right clients, you can earn over ₵30,000 monthly. However, even “entry-level” skills like customer support or tutoring can scale if you specialize and brand yourself well.

3. How do I receive payments from abroad in Ghana?

One of the biggest challenges Ghanaians face when working online is receiving international payments. Platforms like PayPal are restricted, but you have alternatives. Accrue is one of the best solutions. It allows you to receive payments in Dollars from clients or platforms abroad, and then withdraw directly into your Ghanaian bank or mobile money account. Other options include Payoneer and Wise. Always use secure and trusted platforms.

4. Do I need capital to start making money online?

Not necessarily. Many online hustles like freelancing, tutoring, blogging, and content creation require little to no startup capital, just your laptop or phone and internet. However, businesses like e-commerce, dropshipping, or course creation may require ₵500 – ₵2,000 to get started. The most important capital is skill and consistency, not money.

5. Can students make money online in Ghana?

Absolutely! Many students in Ghana are already earning online through freelancing, tutoring, YouTube, and social media influencing. These hustles are flexible and can be done part-time alongside school. With platforms like Accrue, students can even work for clients abroad and receive payments easily. Instead of waiting for graduation, start building your online career now.