Jiji, Facebook and WhatsApp groups are where most Ghanaians buy and sell second-hand. They're big and free to browse. The difference that matters for your money is simple: who holds it between paying and getting the item.
| GrabAm | Jiji | Facebook & WhatsApp groups | |
|---|---|---|---|
| Who holds your payment | Moolre (Bank of Ghana licensed), until you confirm you have the item | Nobody. You pay the seller directly | Nobody. You pay the seller directly |
| If the item never comes | Full refund if the seller doesn't confirm in time or misses the pickup slot | Between you and the seller | Between you and the seller |
| If it isn't as described | Report within 1 hour; money stays held during review | Report the ad | Report the post |
| Bargaining | Offers and counters in the app, up to 5 rounds | In chat or by phone | In chat |
| Seller fees | 0% | Free basic ads; paid promotion | Free |
| Buyer fee | 1.5% (students) or 2%, from GHS 0.50 | None | None |
| Swapping items | Yes, with GrabAm Trade (no cash, no fees) | No | Sometimes, informally |
What Jiji says about paying
Jiji is a classifieds site: it connects you with sellers and you pay them yourself. Its leadership describes it as built for "direct transactions with no intermediaries", and its Ghana team's safety advice is to "inspect the product before making any payment." That's good advice. GrabAm's answer is to make it unnecessary: your payment is committed, so the seller knows it's real, but they only receive it after you have the item.
When each one makes sense
- Jiji has the most listings, especially cars, property and jobs. Use it when you can inspect in person before paying.
- Facebook and WhatsApp groups are quick for people you already know.
- GrabAm is for when you'd rather not trust a stranger with your money: everyday items, fashion, electronics, campus deals, made-to-order pieces, up to GHS 5,000.
Compared 21 October 2026 from each platform's own public information. Fees and features can change; check each site before relying on them.