> ## Documentation Index
> Fetch the complete documentation index at: https://docs.morapay.io/llms.txt
> Use this file to discover all available pages before exploring further.

# Banks & MoMo withdrawal

> Supported withdrawal rails, mobile money operators, and bank catalogs.

Merchant **withdrawals** and **disbursement batch** recipients settle to local rails.

## Withdrawal rails

| Rail                 | Country | Currency | Method       | Bank code required |
| -------------------- | ------- | -------- | ------------ | ------------------ |
| Ghana mobile money   | GH      | GHS      | MOBILE MONEY | No                 |
| Nigeria bank account | NG      | NGN      | BANK ACCOUNT | Yes                |
| Ghana bank account   | GH      | GHS      | BANK ACCOUNT | Yes                |

### Ghana mobile money carriers

| Carrier       | Channel |
| ------------- | ------- |
| MTN           | 1       |
| Telecel       | 6       |
| AT AirtelTigo | 7       |

## Mobile money operators

| Currency | Operator         |
| -------- | ---------------- |
| GHS      | MTN              |
| GHS      | Telecel Vodafone |
| GHS      | AirtelTigo       |
| KES      | M-PESA           |
| KES      | Airtel Kenya     |
| KES      | Telkom Kenya     |

<Note>MoMo list shown from platform defaults. Sync catalog for the live operator list.</Note>

## Banks by market

Bank lists are synced per market. Run `pnpm sync:providers` in `core/` to refresh the catalog snapshot, then re-export docs coverage.

Fetch live lists from the Morapay API:

```bash theme={null}
curl -s "https://api.morapay.io/api/public/fiat/banks?country=ghana"

curl -s "https://api.morapay.io/api/v1/merchant/payout-rails/banks" \
  -H "Morapay-Key: pk_test_..." \
  -H "Morapay-Timestamp: ..." \
  -H "Morapay-Signature: v1=..."
```

## Related

* [Payout timing & limits](/reference/payout-timing)
* [Payouts & MoMo](/concepts/payouts-momo)