To Register For MTN Mobile Money
1.
Grab
a valid photo ID (voter ID, Driver’s License, Passport, NHIS, National ID)
2.
Go
to the nearest MTN Mobile Money Merchant.
3.
Complete
registration booklet and ask for a copy
4.
You
will receive a prompt or SMS after the Merchant has successfully capture your
details
Option
1 (SAT Menu)
1.
Go
to “My MTN” on your mobile phone and Select “Mobile Money”
2.
Select
“register” and enter your Photo ID type and number
3.
Select
and repeat your Mobile Money PIN (4digits)
You
will receive a welcome message on your phone keep this Mobile Money PIN
confidential
Option
2 (USSD)
1.
On
your phone: Dial *170# and select ID type (e.g. 1 for Voter, 4 for Passport,
etc.)
2.
Enter
ID Number and press Ok/send
3.
Enter
MM Code (4digits)
4.
Confirm
selected MM PIN. Keep this Mobile Money PIN confidential. Wait for a successful
feedback through SMS.
What is
Mobile Money Wallet?
It is the personal
and confidential place on the mobile phone where your cash is stored safely for
all your cash transactions.
Load Wallet (Cash In)
1.
Go
to your nearest Mobile Money Authorized Merchant.
2.
Hand
over cash to Merchant.
3.
Merchant
enters your MTN number, repeats your MTN number, the amount, Merchant’s user
ID, and Mobile Money PIN.
4.
The
system will debit the Merchant’s Mobile Money Wallet and credit yours. You will
receive a confirmation message of the successful loading.
Transfer Money to a Mobile Wallet (P2P)
1.
Make
sure you have sufficient money in your Mobile Money Wallet.
2.
Go
to “Mobil Money” menu, select “Transfer Money” and “Mobile User”
3.
Enter
and repeat receiver’s mobile number, and amount, reference e.g. “Gift from
Kwame” (optional), confirm details and enter Mobile Money PIN. You will receive
a confirmation message of the successful transfer.
Transfer Money to a Non-Mobile User (A2C)
1.
Make
sure you have sufficient money in your Mobile Money Wallet.
2.
Go
to “Mobile Money” menu, select Transfer Money” and “Non-Mobile User”.
3.
Enter
amount, secret code, repeat secret code, confirm details and enter Mobile Money
PIN.
You will receive a token (a
12-digits serial number via SMS).
Communicate the token and secret
code to the receiver to cash out the money from a Mobile Money Authorized
Merchant.
Buy MTN Airtime
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 (optional if own phone), confirm details and enter
Mobile Money PIN. You receive a confirmation message of the successful MTN
Airtime Top up.
Buy MTN Airtime (USSD Option)
1.
Dial
*170#, enter 3 and follow the prompts.
Money Transfer from Merchant to Mobile Money Wallet
1.
Grab
a valid photo ID and go to a Mobile Money Authorized Merchant.
2.
Hand
over cash to the Merchant
3.
Merchant
will enter and repeat the receiver’s mobile number, the amount reference
(optional), Merchant User ID and Mobile Money PIN. Both receiver and Merchant
will receive a confirmation message.
Withdraw Money (Cash Out) from Wallet
1.
Go
to a Mobile Money Authorized Merchant
2.
Go
to “Mobile Money” menu on your phone.
3.
Select
“Allow Cash Out” and turn “Cash Out” on
4.
Merchant
will enter and repeat your mobile number, the amount, Merchant User ID and
Mobile Money PIN
5.
Confirm
Cash Out on your phone and enter your Mobile Money PIN.
6.
When
transaction is confirmed, Merchant will pay you the money
7.
You
will receive a confirmation message of the successful Cash Out.
Allow Cash Out (USSD User)
1.
Dial
*170#, enter 4 and follow the prompts
Withdraw Money (Cash Out) with Token and Secret Code
1.
Make
sure you have the Token and secret code
2.
Go
to a Mobile Money Authorized Merchant.
3.
Present
your photo ID and token to the Merchant.
4.
Enter
you 4 digit secret code
5.
When
the transaction is confirmed, the Merchant will pay you the money.
Managing your Wallet (SAT Option)
How
to check your balance
1.
Go
to “My MTN” on your phone menu and select “Mobile Money”
2.
Select
“My Wallet”
3.
Select
“Check Balance”
4.
Enter
your Mobile Money PIN
5.
You
will receive you current & available Balance on your phone
How
to check your Mini Statement
1.
Go
to “My MTN” on your phone menu and select “Mobile Money”
2.
Select
“My Wallet”
3.
Select
“Mini Statement”
4.
Enter
your Mobile Money PIN
5.
You
will receive you Mini Statement
How
to change your Mobile Money PIN
1.
Go
to “My MTN on your phone menu and select “Mobile Money”
2.
Select
“My Wallet”
3.
Select
“Change MM PIN”.
4.
Enter
your old MM PIN
5.
Enter
your new MM PIN
6.
Repeat
your New MM PIN
7.
You
will receive a message of a successful PIN change
Managing your Wallet (USSD Option)
1.
Dial
*170#, enter 5 and follow the prompts.
2.
Input
1 for Check balance and enter MM PIN
3.
Input
2 for Mini Statement and enter MM PIN
4.
Input
3 for favorites and follow the prompts
5.
Input
4 for Change MM PIN and follow the prompts.
6.
Input
5 for My Web Screen No. and follow the prompts
Money Transfer from Merchant to Non-Mobile (C2C)
1.
Grab
a valid photo ID and go to a Mobile Money Authorized Merchant.
2.
Hand
over cash to the Merchant.
3.
Merchant
will enter your ID number and the amount
4.
You
will enter and repeat secret code
5.
Merchant
will enter user ID and Mobile Money PIN
6.
The
system will generate a token (12 digit number) which is given to you.
7.
You
must give the token and secret code to the receiver o cash the money
Can I use
Mobile Money to pay for my utility bills like electricity bills?
Yes. You can
currently pay your ECG bills, DSTV bills and other TV subscriptions with MTN
Mobile Money.
Bill Payment
The
service enables subscribers to pay their bills (DStv, ECG & Post Paid)
anytime, anywhere.
1.
Select
“MY MTN” on your phone
2.
Go
to Mobile Money
3.
Select
Pay Bill
4.
Select
ECG, DStv, MTN Postpaid, General Payment, School Fees & Follow the process.
You
will receive a confirmation message of Successful payment.
Bill Payment (USSD Users)
1.
Dial
*170# and enter 2.
2.
Input
1for ECG and follow the prompts.
3.
Input
2 for DStv and follow the prompts.
4.
Input
3 for MTN Postpaid and follow the prompts.
5.
Input
4 for General Payment and follow the prompts.
6.
Input
5 for School Fees and follow the prompts.
7.
Input
6 for next item on the menu and follow the prompts.
School Fees Service
This
service enables parents and guardians to pay their wards fees instantly without
any hassle
Here’s
how to:
1.
Go
to My MTN on your phone menu
2.
Select
Mobile Money
3.
Select
Pay Bill
4.
Select
School Fees.
i.
Under
Payment code, enter the School code followed by a space and the Student ID
number (e.g. UG 1000408)
ii.
Enter
your MM PIN (Name of student will be displayed)
5.
Click
Pay now
6.
Enter
a suitable reference (e.g. 2nd Term/Semester)
7.
Enter
amount
8.
Confirm
payment details
9.
Enter
your MM PIN again
General Payment
General
payment is MTN Mobile Money product that enables individuals or corporate
entities to make payments for goods and services including online transactions.
It
offers integration to the MTN Mobile Money platform with institutions who
desire payment solutions.
Enjoy the following with your Mobile Money Wallet
·
Free
Registration
·
No
minimum balance
·
No
monthly service fees
·
Only
pay for the transaction that you make
·
Anyone
with a voter ID, Driver’s License, Passport, NHIS, National ID can have one.
What is MTN Mobile Money?
Mobile Money is a
fast, simple, convenient, secure and affordable way of transferring money using
a mobile phone. The service is offered by MTN in partnership with 10 banks.
What can I use MTN Mobile Money for?
Mobile Money can
be used to send and receive money, top up MTN airtime, pay for bills (DStv,
ECG, and MTN Post Paid Bills), buy life insurance, pay airline tickets, pay
insurance premiums as well as pay for goods and services.
Do I need to have a bank account to use MTN Mobile Money?
No. Mobile Money
is available for anyone, no bank account is required. However you will need a
bank account to be able to link your Bank account to your Mobile Money wallet
Who can use the Mobile Money Service?
The Mobile Money
service is available to all MTN customers. Non-MTN users can also use the
service to receive money transfers from registered Mobile Money customers.
How long does it take to get MTN Mobile Money?
The process should
take up to10 minutes only
Is the Mobile Money Wallet PIN the same as my SIM card PIN?
No. The Mobile
Money PIN is selected during registration for Mobile Money transactions.
What is different with MTN Mobile Money? If I already use Mobile
Banking.
With Mobile Money,
no bank account is needed to send or receive money. All you need is a Mobile
Money enabled MTN SIM card and a mobile phone.
Can I use an existing MTN Prepaid airtime scratch card to recharge
my Mobile Money wallet?
No. You cannot use
an existing MTN prepaid airtime card. There will be a special scratch card for
Mobile Money which can be obtained from our Merchants. This will be available
in the future.
Do I need to have a minimum balance in my Mobile Money wallet?
No. Your Mobile
Money account can contain any amount. The maximum is GHC10, 000.
Are there any service charges to maintain my Mobile Money wallet?
No. Mobile Money
only charges for the transactions you perform.
Are there any transaction limits on the Mobile Money wallet?
Yes. Customers who
are not registered on e-zwich will have limits on their transaction. The Daily
transaction limit is GHC 1000.
Can I use my existing SIM for the Mobile Money service?
It depends. The
service requires a SIM pre-loaded with the Mobile Money application. MTN customers who don’t have such a SIM card
need to swap to a new SIM that contains the Mobile Money application. The Mobile Money Merchant will help you to
determine if your SIM card contains the Mobile Money application.
Can I keep my existing MTN phone number if I register for Mobile
Money?
Yes. You will keep
your existing phone number when you register with a valid Photo ID (Voter ID,
Passport, Driver’s License, National ID, and NHIS)
Will I be able to save my old contacts on the new SIM card if I do
SIM swap?
Yes. You should
copy your old SIM contacts to your phone before you do SIM swap. Alternatively,
you can use MTN SIM backup device to copy your contacts and transfer them to
your new SIM after the swap. You will be able to save 200 contacts on your
Mobile Money SIM, just like any other SIM card.
Do all mobile phones support Mobile Money?
Yes. The Mobile
Money application is registered on the SIM card and is independent of the
mobile phone.
Can I use my Mobile Money wallet outside of Ghana?
Yes. The Mobile
Money service works on roaming. However, you may be charged for the SMS traffic
by the host network at International Roaming rates.
Can I get overdraft facility on my Mobile Money wallet?
No. You cannot
transfer more money than you have available in your Mobile Money wallet.
Can I use my Mobile Money wallet as collateral for borrowing money
in a bank?
No
How do I keep my Mobile Money Wallet secure?
You need to keep
your Mobile Money PIN secret from others. Memorize your Mobile Money PIN and do
not carry it with your phone. Never give
away your Mobile Money PIN. If you have
reason to believe your Mobile Money PIN has been compromised, you can change
the Mobile Money PIN in the Mobile Money menu.
What do I do if I forget my Mobile Money PIN?
Contact the MTN
Call Center on 111 for assistance.
What happens to the cash in my wallet if I become deceased?
The cash will be
paid to your next of kin.
Is my money safe?
Yes. Your money is
stored safely in a special account opened for Mobile Money in the Participating
banks.
What happens if my phone/SIM is lost or stolen?
Your money is
safe. Your Mobile Money wallet is protected by your Mobile Money PIN. You
should call the MTN Call Centre on 111 to block your wallet by first
authenticating yourself. Thereafter you need to do a SIM swap and unblock your
Mobile Money wallet by calling the Call Center.
Can I send money to someone who doesn’t have a mobile phone?
Yes. You can send
money from your MTN Mobile Money wallet on your phone to anyone in Ghana; the
receiver doesn’t need to have a mobile phone or be an MTN customer
Can I do Mobile Money transfers on the internet?
Yes. You can
access and login to your Mobile Money account via the internet and carry out
transactions.
Can I transfer money from my bank account to my MTN Mobile Money
wallet?
Yes. You can
perform this activity through one of our services called “Link to Bank
Account”. The Link to Bank Account service offer subscribers the convenience
and ease of withdrawing money directly from their bank accounts into their
Mobile Money wallets anytime, anywhere.
Can I transfer money out of my MTN Mobile Money wallet to my bank
account?
Yes. You can
perform this activity through one of our services called “Link to Bank Account”
Can I use the service to buy airtime for my friends and relatives?
Yes. You can top
up for friends and relatives instantly.
Do I have a specific time I can top up through MTN Mobile Money?
No. You can top up
instantly anytime, anywhere.
Can I buy airtime outside Ghana?
Yes. The Mobile
Money service works on roaming.
