Category: MTN

With the introduction of friction by way of presentation of ID Cards before MoMo transactions – withdrawals are especially affected, a lot of individuals have asked whether there are any workarounds for this.

Especially now that the only ID card you can use to withdraw is the Ghana Card, you’ll need a workaround to withdraw your money if you don’t have the card.

As with any change that heavily relies on human adherence rather than the tech side of things, hacks are possible.

Today, I would like to talk about some ways that you can technically withdraw your MTN Mobile Money from your wallet if you don’t have a valid ID Card.

Yes, there could be situations when you don’t have an ID Card at all for transactions, like me, when I misplaced my National Passport and my Ghana Card was not yet ready.

First of all, it is important that the new presentation of ID cards directive has been put in place by MTN Ghana, in what they claim as a good way to fight the prevalence of MTN Mobile Money Fraud. Therefore, it is in your best interest to adhere to them.

Again, this article is not to rubbish the efforts of MTN Ghana, but to lend a helping hand to those who might need it.

Now, let’s look at how you can withdraw your cash via MTN Mobile Money if you have no valid ID Card.

Withdraw your MoMo at an ATM

Not a lot of people know that you can actually withdraw your Mobile Money at an Automated Teller Machine (ATM) here in Ghana once it supports cardless transactions and MTN MoMo.

Some years back, only a few ATMs supported the feature. However, now, a lot more ATMs will allow you to withdraw your money in just a few steps.

You simply need to generate a token from your Mobile Money account and use it for the withdrawal. Be sure to withdraw in multiples of GHS 10 since some ATMs are unable to dispense lower denominations.

https://mfidie.com/withdraw-mobile-money-atm-ghana/

Send the Money to a friend who has a Ghana Card

Sometimes, the old ways are the best ways. If you want to withdraw but don’t have an ID Card, it makes sense to send it to a friend who has an ID card to use for the withdrawal.

Your friend can then cash out by themselves and give you the cash or simply give you the cash and keep the e-cash on their wallet.

The problem with this method is that you might end up paying double charges and e-levy if the amount is above your threshold. However, if you really need the money and can’t afford to wait, then this is a good way to get your money even with no valid ID Card.

Send directly to the Merchant

I don’t even know if this method is exactly legal. If it is, then the fight against fraud has a long way to go.

Yesterday, while at the MoMo merchant with a friend who was there to withdraw, the merchant suggested he had a “sim we can send the money to” and once he confirms receipt, he gives us the cash. We didn’t use that route though and went by MTN’s approved means of cashing out.

This method is similar to the method described above. The difference however is that this time, the Mobile Money Merchant is your “friend” and you still get to pay e-levy. It was not clear if the charges will be added to the money sent.

Use your Other Mobile Money Accounts on other Networks

If you have registered for AirtelTigo Cash or Vodafone Cash, you can simply transfer money from your MTN Mobile Money account to the account on the other network. When that is done, you simply go and withdraw from that network’s merchant. You still pay e-levy with this method.

Currently, this method is being used by a lot of individuals. However, the method will soon be obsolete and useless should other Mobile Money networks also demand an ID Card.

Using 3rd Party Services to make payments and transfers

3rd Party services like SlydePay and ExpressPay can help you transfer money from your MTN MoMo account to your bank account or other accounts.

By doing this, you can use the ATM of your bank to make a withdrawal. This method, although effective is unattractive to me due to the huge charges that these 3rd Party services charge.

Conclusion

Hopefully, you don’t find yourself in a situation where you will need to hack your way around withdrawing money from your own wallet because you don’t have your ID Card present.

Remember MTN accepts only the Ghana Card for mobile money transactions.

The following ID cards are no longer supported:

• NHIS Card
• National ID
• Voter’s ID
• SSNIT ID
• Driver’s License and
• Passport

Fraudsters who may want to use these methods for their own grim motives should know that MTN is on the lookout for them and they will be caught and prosecuted.

Know any MTN Mobile Money tricks? Share them with us in the comments below.

The latest Sim Re-Registration with a deadline of March 2022 has caused lots of queues at MTN offices nationwide. Since MTN is the biggest Telco operating in Ghana, they seem to have been burdened with a lot of pressure in registering all their users.

The system is reportedly slow and has made it difficult to register more people daily.

Luckily, there is a new online way to fill your data for MTN Ghana’s KYC (Know Your Customer) database.

In this article, we will walk you through how to update your details with MTN Ghana without having to step foot at the MTN office. Remember you still need to visit the office for the SIM re-registration.

What you need to do online re-registration of MTN Ghana SIM

To successfully complete the SIM update with your details, you need to have the following details available on your phone/PC:

• Date of Birth
• ID Card (Ghana Card)
• Residential address (Ghana Post GPS code) – Here is how to get it
• Soft copy of Ghana Card (Take a photo with your phone)
• Soft copy of you holding the Ghana CARD (Clearly showing your face and the ID Card)

Once you have these, you are ready to complete the process.

Link your SIM Card with Ghana Card via USSD

This is the first part. Follow the steps below if you want to do the SIM Card re-registration in Ghana so that you update your details and keep your number safe.

1. Dial *404# on the SIM Card you want to register
2. Enter Ghana Card PIN (Enter letters and figures without the hyphens)
3. Confirm Ghana card PIN
4. Enter your Surname, First Name and other names
5. Enter your Date of Birth in the format DDMMYY
6. Select your Sex
7. Confirm details
8. Submit the details provided after confirmation

You are ready for Part 2

Update MTN Sim Details Online

When you are done with the first part, follow the steps below to update your details with the MTN Portal online:

1. Visit https://simregistrationupdate.mtn.com.gh/ on your phone/PC
2. Enter your phone number
3. Wait for OTP, enter the OTP and press enter
4. Fill in the details required on the page
5. Upload your Ghana Card soft copy
6. Upload a photo of you holding the Ghana Card
7. Check the agreement to data collection box
8. Click on Submit

Conclusion

Once you are done with these steps, you can visit the MTN Office for the final part of the SIM registration. Deadline is currently the last day of March 2022.

It is expected that the NCA together with the Telcos will come up with a more efficient way to go through the whole sim re-registration process, especially for corporate entities and businesses who have hundreds of SIM cards they use.

Don’t forget to share this tutorial with your family and friends.

Mobile Money transactions have significantly hijacked the payment ecosystem in Ghana. Almost everyone sees the need to use Mobile Money for transactions before the end of every day.

However, what most people don’t know is that there are limitations on the amount of money that can be transacted using your mobile money account. These figures are compartmentalized into daily, monthly and total account balance limits.

The Daily limit is how much money can be sent and received within a day while the monthly is the total amount that can be received and sent through your mobile money account in a single month.

On the other hand, the account limit is the highest amount of money you can have in your account at every given time.

Fortunately, these amounts are quite considerable and okay depending on the volume of transactions you do. For fairness sake, the limits are further grouped into tiers.

Presently, MTN Mobile Money has 2 tiers. So, if you are on the first tier and you hope to increase your limit to a higher amount, you can request to be moved to the second tier.

In the ensuing paragraphs, we look at the various tiers, their limits and how to apply to be moved to the next tier.

Mobile Money Tiers and Their Limits

As indicated previously, there are two tiers for MTN Mobile money accounts. They are the tier 1 and tier 2.

So, here we look at the various tiers and what their limits are.

Tier One Limits

Daily limits: GHS 2,000. You can only send and receive up to GHS 2,000 every 24 hours if you are on this tier.

Monthly Limits: GHS 20,000. For an entire month, you are expected to send and receive a cumulative sum of not more than GHS 20,000 under this Mobile Money tier.

Total Account Limit: GHS 10,000. At any given time or day, your account cannot hold money or balance exceeding GHS 10,000. The highest amount you can have in your account is exactly GHS 10,000.

Tier 2 Limits

Daily Limit: GHS 5,000.

Monthly Limit: GHS 50,000.

Total Account Limit: GHS 20,000.

How To Increase Your Limit

Given that you are not pleased with the total volume of daily or monthly transactions you can easily request an upgrade on your account.

So the big question is, how do you request an account upgrade and what do you need for that?

Just follow the steps below and you’ll have nothing to worry about.

1. Visit any MTN office near you and request for an upgrade on your Mobile money account.
2. They’ll ask you for some documents and the ID card you used in registering your MOMO account.
3. The process usually takes 24 hours to reflect after submitting the required documents.

Some of the documents required include a Bank Statement from not more than 3 months ago, a Utility Bill with your name on it, Employer’s reference letter or a Registered Tenancy Agreement which has your name on it.

Any of these documents together with the ID card you used in registering your account will pass for this process.

Why There Are Limits On Transactions

Limits placed on Mobile money transactions are beyond the control of the various service providers.

The Bank of Ghana – the regulatory body of financial institutions in Ghana gives quotas to every deposit-taking and withdrawal-giving institution operating in the country.

As such, Mobile Money services are also given a quota. That quota results in the limits given by the various operators – further divided into tiers.

So, in effect, apart from the two tiers of Mobile Money accounts, you cannot seek an upward review of your Mobile Money wallet under any circumstance.

This is mostly for security reasons.

Conclusion

Mobile money is the saviour of the Ghanaian payment ecosystem. With its introduction, many financial transactions have become easier and more flexible.

However, pre-defined limits placed on accounts make life difficult for account owners sometimes.

This is mostly true for individuals who transact very huge sums of money on a weekly or monthly basis. But that doesn’t have to be the end.

You can still expand your Mobile Money account limits a notch further to contain your transactions.

Hopefully, in the near future, the limits will be reviewed again to ensure that account holders can trade larger amounts of money.

If you have any questions, comments or reservations regarding this article, kindly let us know in the comment box below.

Please do well to share this article with your friends and family as well.

In today’s digital world, the use of the Mobile phone is practically impossible to do away with.

It has formed part of our lives one way or the other and we have had to understand and live with this for so many years.

https://mfidie.com/how-to-register-your-sim-card-and-link-to-ghana-card/

One thing that for sure drives the usage of mobile phones in most parts of the world is the Simcard.

While Wifi connectivity may be enough for running your phone especially the smartphones, Simcard is largely the driver for mobile phones, especially in Ghana.

At such, it is important that we discuss the use of the Simcard in our mobile devices and how to ensure that they are registered properly.

When we talk of mobile telecommunications network operators in Ghana, there’s one name which stands out presently and that’s MTN.

With the possibility of your Simcard being involved in any situation where you need to identify ownership of it, how do you verify your Simcard Registration status and details on MTN?

Well, I have all the answers you need to that question in this very article. Sit tight and find the answers you want and more below.

How To Check Your Sim Card Registration Details

To check whether your SIM card is registered and also find out the SIM card registration details of your MTN line, kindly follow the steps below:

1. Using the Simcard you want to verify, dial *400#
2. Wait for some few seconds for the result to load.
3. If registered properly, you’d see your name in full appear on the next page with other information about how to correct wrong registration details.

So, for example, in my case, when I dial that code on my MTN number, I get this feedback: GODWIN GABLA.

However, if the SIM card is not registered, you’ll be informed in the feedback that the SIM card isn’t registered.

What To Do If Your Registration Details Are Inaccurate

For some strange or coincidental reasons, you may have some parts of your registration details inaccurately entered. When you confirm this by dialling *400#, what are the options available for you?

Here, under this subheading, I shall run you through the necessary steps you need to take to handle such a situation.

• Visit any nearby any MTN Ghana branch with your ID card, images of your ID card and other relevant information to personally change your registration details.
• You can also call the customer care line ‘100’ and follow the prompts to talk to an agent about your problem. Make sure to have all details about your sim card and your ID card available before making this call.
• You may also Whatsapp MTN customer care line via 0555300000.
• If you prioritize emails, you can as well send your ID card, your details, Simcard details and other vital information via emails to [email protected].

Why Do You Need To Get Your Simcard Properly Registered?

Simcard registration is a very important part of the Telecommunication process, especially in Ghana.

With the spate of mobile technology fraud activities going on, you need to ensure that your Simcard is properly registered so that in case of any Simcard problems or Mobile payment issues, you can always lay claims of ownership.

You can’t claim a Simcard which bears a different registration detail aside from the one available on your ID card. It would be very difficult for you to do, even if you succeed.

Conclusion

In Ghana, the majority of us use sim cards on our mobile phones since mobile data is the largest form of internet access in the country.

Aside from that, calls and text messages are usually done with our Simcards hence the proliferation of Simcard usage in the country.

But, using your Simcard on a phone is not enough. You need to register your Simcard and make sure that it is properly registered in order to avert any future challenges which are likely to come your way by way of using your Simcard.

In this article, I was able to take you through the steps involved in verifying your MTN Simcard registration details plus how to correct any errors associated with your registration.

I hope this article was helpful to you. If you have any questions, comments or reservations regarding this article, kindly let us know in the comment box below.

MTN Ghana is the biggest telecommunications network in Ghana, momentarily. Their Mobile Money service is also the biggest mobile payment and transact solution in Ghana right now.

A lot of us use Mobile Money for a lot of stuff, among which is to buy credit for ourselves or family and friends. On MTN Mobile Money, you can only buy credit for MTN lines. If you look at buying credit for other networks with mobile money via USSD, check out MOVE or ALEXpay.

MTN gives a 100% bonus on credit purchased with Mobile Money. This is a very good move, except for one annoying restriction – the bonus credit only lasts for 3 days.

Take this scenario: You purchase GHS 50 worth of credit via MTN Mobile Money to activate one of MTN’s bundle plans. You are instantly given GHS 50 worth of bonus credit for MTN Calls and SMS. But this credit is for just 3 days. What are you going to do? Start calling everyone just to waste the credit? Well, you don’t have to.

This little trick leverages MTN’s own 3-day limit to help you extend your bonus credit if you have not used it up. What’s more? it only costs you 1 pesewa (GHS 0.01) to execute the trick each time.

How to extend your MTN Bonus Credit

1. Dial the MTN Mobile Money shortcode on your phone – *170#
2. Select option 3 – Buy Airtime
3. Enter Amount, type 0.01 (this represents 1 pesewa or GHS 0.01)
4. Enter your mobile number
5. Confirm your mobile number
6. Enter your pin number to confirm the transaction

Once confirmed, you will receive GHS 0.01 worth of credit and your bonus credit will also be extended by 3 days. You can repeat the process every two or three days if you have a lot of bonus credit, to keep your bonus alive.

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Remember, you can only extend your bonus by up to 3 days. this means that doing the trick twice in one day does not mean you will get 6 days of bonus usage.