The Bank of Ghana has acknowledged that some Ghanaian content creators are experiencing difficulties accessing earnings from international digital platforms, including X, and has initiated a review to address the underlying causes of the payment bottlenecks.
In a statement issued on April 20, 2026, the central bank clarified that earnings from digital platforms are classified as service export proceeds and are permissible under existing foreign exchange regulations. It stressed that, in principle, such inflows are allowed within Ghana’s financial system.
However, the Bank admitted that despite the legality of these transactions, some creators have been unable to access their funds. It stated that when transactions are processed correctly, such challenges should not ordinarily occur.
The development marks the first formal acknowledgment by the BoG of persistent concerns raised by Ghana’s expanding community of digital content creators, influencers, and freelancers who depend on international platforms for income.
Rising concerns among creators
Over recent months, numerous creators have reported delays, restrictions, or outright failures in receiving payments from platforms such as X, YouTube, TikTok, and other global services. Many of these earnings, typically denominated in foreign currency, are reportedly delayed by intermediary banks or rejected by domestic financial institutions.
The Bank of Ghana noted that such payments may be received through Foreign Exchange Accounts held with licensed banks in Ghana or credited to Ghana cedi accounts, provided they comply with applicable regulatory requirements.
Despite this framework, the continued disruptions suggest operational and compliance gaps within the financial transmission process.
BoG opens investigation
In response to the complaints, the central bank has launched an active review and is engaging relevant financial institutions to determine the source of the issues.
The Bank stated that it welcomes feedback from affected individuals and is working to ensure prompt resolution of the challenges. It further indicated that it will continue consultations with stakeholders as part of the ongoing process.
Commitment to financial stability
Reaffirming its regulatory mandate, the Bank of Ghana emphasised its commitment to maintaining a stable financial environment that supports legitimate cross-border transactions, including earnings from digital platforms classified as service exports.
It assured that efforts are underway to ensure that the system functions effectively so that eligible recipients can access their funds without undue hindrance.
