Betting in Ghana: Laws, Tax, Payments and Leagues
Betting is legal in Ghana for adults 18 and over, with operators licensed by the Gaming Commission. Bettors pay no tax on winnings after the 10% tax was repealed in 2025. Start by checking the licence, then learn how odds work.
Ghana at a glance
| Item | Details |
|---|---|
| Regulator | Gaming Commission of Ghana, under the Gaming Act 2006 (Act 721) |
| Legal age | 18+ |
| Tax on winnings | None after the 2025 repeal. Check your slip |
| Tax on operators | 20% of gross gaming revenue, paid by the operator |
| Common payment methods | MTN MoMo and bank |
| Main league | Ghana Premier League |
| Help line | Gaming Commission responsible gaming call centre, listed on our help page |
Laws and licences
The Gaming Commission of Ghana regulates betting. It works under the Gaming Act 2006 (Act 721).
Lotteries are separate. The National Lottery Authority oversees them.
Only bet with an operator licensed in Ghana. Look for the licence number and regulator name in the site footer. Then confirm it with the Gaming Commission. Read how to check a betting licence.
The Gaming Commission also introduced mandatory biometric checks linked to national IDs. Biometric means using your face or fingerprint to prove who you are. Have your national ID ready when you sign up.
Betting tax
Bettors in Ghana do not pay tax on winnings under the rules in our sources. The 10% withholding tax on betting, gaming and lotto winnings was repealed in 2025.
Parliament approved the repeal on 26 March 2025. Reports in April 2025 said the tax had been abolished.
Operators still pay a 20% tax on their gross gaming revenue (GGR). GGR is the money an operator keeps after paying out winnings. You do not pay it directly.
If you see a deduction on your bet slip, ask the operator what it is for. Read the full guide: betting tax in Ghana.
Deposits and withdrawals
Most operators let you deposit and withdraw by mobile money, such as MTN MoMo, or bank. The number or account must be in your own name.
A name mismatch is a common reason a withdrawal stays "pending". Read why is my withdrawal delayed and how to withdraw betting winnings.
Verify your account early, as explained in account verification. No data? See USSD betting.
Football to bet on
The local top flight is the Ghana Premier League. Read our Ghana Premier League guide for clubs and match analysis.
The English Premier League is the most popular foreign league. Its matches have many markets and plenty of team news.
Where to start
New to betting? Read these guides in this order:
- How betting odds work
- What is a bet slip
- What is over 2.5 goals
- What GG and NG mean
- What is double chance
- Bankroll management in betting
Ghana betting example: Hearts of Oak vs Asante Kotoko
This is an illustration of a win with no tax on winnings. It is not a tip.
Kwame stakes (bets) GH₵10 on Hearts of Oak to win at 2.80 (example odds).
If the match ends 2–1 to Hearts of Oak:
| Step | Calculation | Amount |
|---|---|---|
| Stake | — | GH₵10.00 |
| Total return | GH₵10 × 2.80 | GH₵28.00 |
| Winnings (profit) | GH₵28 − GH₵10 | GH₵18.00 |
| Tax on winnings | Repealed in 2025 | GH₵0.00 |
| You receive | — | GH₵28.00 |
If Asante Kotoko win or the match is a draw, Kwame loses the GH₵10. Check returns with the payout calculator.
Common mistakes
- Thinking the 10% tax on winnings still applies after the 2025 repeal.
- Confusing the operator's 20% GGR tax with a tax on your winnings.
- Using a MoMo number registered in someone else's name.
- Betting with unlicensed sites to avoid ID checks.
- Raising stakes because there is no tax, which only increases what you can lose.
FAQ
Who regulates betting in Ghana?
The Gaming Commission of Ghana, under the Gaming Act 2006 (Act 721). Lotteries are handled separately by the National Lottery Authority.
Do I pay tax on betting winnings in Ghana?
Not under the rules in our sources. The 10% withholding tax on winnings was repealed in 2025. Check your bet slip to confirm nothing is deducted.
Why does a betting site ask for my national ID?
The Gaming Commission introduced mandatory biometric checks linked to national IDs. The aim is to reduce fraud and stop underage gambling.
Related guides
- Is there betting tax in Ghana?
- How to check a betting licence
- Account verification
- Why is my withdrawal delayed
- Where to get help with gambling
All OddsClass guides for Ghana
- How Does Ghana Premier League Betting Work?Ghana Premier League betting guide: league format, recent champions, the Super Clash, a worked GH₵10 example and how to analyse GPL matches.
- Aduana FC: Stats, Form and Betting GuideAduana FC stats and betting guide: the Dormaa Ahenkro club's profile, league titles, a worked GH₵10 example and what to check before you bet.
- Asante Kotoko: Stats, Form and Betting GuideAsante Kotoko stats and betting guide: club profile, the Super Clash with Hearts of Oak, a worked GH₵10 example and what to check before you bet.
- Hearts of Oak: Stats, Form and Betting GuideHearts of Oak stats and betting guide: club profile, the Super Clash with Kotoko, a worked GH₵10 draw no bet example and what to check first.
- Is There Betting Tax in Ghana?Betting tax in Ghana: the 10% tax on winnings was repealed in 2025. See what operators pay, who the regulator is, ID checks and a worked example.
- Medeama SC: Stats, Form and Betting GuideMedeama SC stats and betting guide: the Tarkwa club's profile, titles, a worked GH₵10 example and what to check before betting on Medeama.