Mobile Money

Where and how do I register for Mobile Money?

You can own an MTN Mobile Money wallet by going through 6 easy steps and enjoy the benefits of a whole new financial experience - ease, convenience, speed and security.

  1. With a valid photo ID card (Voter ID, Drivers’ License, Passport) go to the nearest MTN Mobile Money Authorised Merchant.
  2. The Merchant captures your personal details and gives you a Mobile Money SIM card.
  3. Insert your Mobile Money SIM in your phone. You will receive an SMS asking you to register.
  4. Go to “My MTN” on your mobile phone and select “Mobile Money”.
  5. Select “Register” and enter your photo ID type and number.
  6. Select and repeat Mobile Money PIN (4 digits).
  7. You will receive a welcome message on your phone.

Please keep this Mobile Money PIN confidential.

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How do I top-up my airtime with Mobile Money?
  1. Make sure you have sufficient money in your Mobile Money Wallet.
  2. Go to “Mobile Money” menu and select “Top Up Airtime”.
  3. Enter amount.
  4. Enter and repeat mobile number to be credited (optional if you own mobile phone), confirm details and enter your Mobile Money PIN. You will receive a confirmation message of the successful MTN airtime top up.
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Where and how do I register for Mobile Money?

You can own an MTN Mobile Money wallet by going through 6 easy steps and enjoy the benefits of a whole new financial experience - ease, convenience, speed and security.

  1. With a valid photo ID card (Voter ID, Drivers’ License, Passport) go to the nearest MTN MobileMoney Authorised Merchant.
  2. The Merchant captures your personal details and gives you a Mobile Money SIM card.
  3. Insert your Mobile Money SIM in your phone. You will receive an SMS asking you to register.
  4. Go to “My MTN” on your mobile phone and select “Mobile Money”.
  5. Select “Register” and enter your photo ID type and number.
  6. Select and repeat Mobile Money PIN (4 digits).
  7. You will receive a welcome message on your phone.

Please keep this Mobile Money PIN confidential.

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How do I top-up my airtime with Mobile Money?
  1. Make sure you have sufficient money in your Mobile Money Wallet.
  2. Go to “Mobile Money” menu and select “Top Up Airtime”.
  3. Enter amount.
  4. Enter and repeat mobile number to be credited (optional if own mobile phone), confirm details and enter your Mobile Money PIN. You will receive a confirmation message of the successful MTN airtime top up.
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Can I use Mobile Money to pay my Postpaid bill?

Yes, you can pay your Postpaid bills even if you are not registered through any MTN Mobile Money merchant or at any MTN Service Centre. Once payment is made, your Postpaid account will be updated within 10 minutes.

You will get a payment confirmation on your phone when you effect payment directly from your phone. You can also print a receipt through the internet. Follow the steps below after you have logged on:

  1. Go to “Statement Enquiries”.
  2. Select the date for payment.
  3. Click “Next” and select the payment under “Transaction Type”.
  4. Click on “Printable Version”.
  5. Then print.
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How do I send money with Mobile Money?
  1. Dial *170#, reply with 1 and follow the prompts.
  2. Go to your SIM menu.
  3. Select Mobile Money.
  4. Select Transfer Money.
  5. Select either a Mobile or Mobile User.
  6. Enter recipient’s number.
  7. Enter amount to transfer.
  8. Enter Mobile Money pin to complete the transaction.
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How many transfers can I make in a day?

There is no limit on the number of transactions but the maximum amount that can be transferred in a day is GH¢1000.

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Is there a transfer fee involved?

Yes, there is a fee on the amount transferred as shown below.

Transaction Point Services Transaction Limit
(GH¢)
Fee (GH¢)
At Merchant Registration   Free
Money Transfer (C2C) 1-50 2.5
More than 50 5%
Cash In Minimum of GH¢1 Free
Cash Out 1-50 0.5
Above 50 1%
* On your Mobile Money Transfer (P2P) 1-50 0.5
More than 50 1%
Money Transfer (A2C) 1-50 1.5
More than 50 3%
Airtime Top - up 1-100 Free
Bill Payments - ECG N/A 0.50p flat
Bill Payments - DStv N/A Free
Account
Management
Balance Enquiry N/A Free
Mini Statement N/A 0.01
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How do I send money with Mobile Money?
  1. Dial *170#, reply with 1 and follow the prompts.
  2. Go to your SIM menu.
  3. Select Mobile Money.
  4. Select Transfer Money.
  5. Select either a Mobile or Mobile User.
  6. Enter recipient’s number.
  7. Enter amount to transfer.
  8. Enter Mobile Money pin to complete the transaction.
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How do I pay bills with Mobile Money?
  1. Go to your SIM Menu, then select Mobile Money.
  2. Select Pay Bill.
  3. Select Utility to Pay.
  4. Enter Account Number.
  5. Enter Amount, then enter Mobile Money PIN.
  6. Dial *170# and reply with 2.
  7. Select Utility to Pay.
  8. Enter Account Number.
  9. Enter Amount.
  10. Enter Mobile Money PIN.
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I can't make Mobile Money transfer on my phone? What do I do now?

Kindly call our Toll-Free number 111 and answer a few security questions to have your pin number reset.

Or you could always visit the nearest branch and then answer a few security questions to have your password reset.

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How many transfers can I make in a day?

There is no limit on the number of transactions but the maximum amount that can be transferred in a day is GH¢1000.

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Is there a transfer fee involved?

Yes, there is a fee on the amount transferred as shown below.

Transaction Point Services Transaction Limit
(GH¢)
Fee (GH¢)
At Merchant Registration   Free
Money Transfer (C2C) 1-50 2.5
More than 50 5%
Cash In Minimum of GH¢1 Free
Cash Out 1-50 0.5
Above 50 1%
* On your Mobile Money Transfer (P2P) 1-50 0.5
More than 50 1%
Money Transfer (A2C) 1-50 1.5
More than 50 3%
Airtime Top - up 1-100 Free
Bill Payments - ECG N/A 0.50p flat
Bill Payments - DStv N/A Free
Account
Management
Balance Enquiry N/A Free
Mini Statement N/A 0.01
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What is the minimum or maximum transfer amount?

The minimum amount that can be transferred is GH¢1 and the maximum amount is GH¢1000, however there is no limit for customers with E zwich account.

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Can I use Mobile Money to pay for my unpaid Overdraft?

No, Mobile Money cannot be used to pay unpaid Overdraft.

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How Many Types of Subscriber wallets do we have?

We have three (3) different types of mobile money subscriber wallets. They are:

  • Minimum Tiered wallets
  • Medium Tired wallets
  • Enhanced Tired wallets
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What do I need to register for any of the Wallets?

For Minimum Account you are required to provide the following:

  • Names
  • Date of Birth
  • Place of Birth
  • Residential address (including Landmarks close to the residence)
  • Telephone Number
  • Copy of any Type of Photo ID that can reliably identify the customer.

For Medium Account you are required to provide the following:

  • Names
  • Date of Birth
  • Place of Birth
  • Residential address (including Landmarks close to the residence)
  • Telephone Number
  • Valid Acceptable ID (National ID, Passport, Driver’s License, Voter ID, SSNIT Biometric ID or National Health Insurance Card)

     

    For Enhanced Account you are required to provide the following:

  • Names
  • Date of Birth
  • Place of Birth
  • Residential address (including Landmarks close to the residence)
  • Telephone Number
  • Valid Acceptable ID (National ID, Passport, Driver’s License, Voter ID, SSNIT Biometric ID or National Health Insurance Card)
  • Provide a Proof of address. (Registered Tenancy Agreement, Utility Bill, Income Income Tax Certificate, Tax Clearance Certificate, Other Banks’ Statements, Reference Letter, or Employer’s reference letter
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What are the wallet and transaction limits for each wallets?

Wallet Type

Wallet Size

Daily Limit

Monthly Limit

Minimum

Ghs 1000

Ghs 300

Ghs 3,000

Medium

Ghs 10,000

Ghs 2,000

Ghs 20,000

Enhanced

Ghs 20,000

Ghs 5,000

Ghs 50,000

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