Category: MTN

Fraudsters nowadays have been finding new ways of stealing from MTN subscribers, what they mostly tell you is that they are calling from MTN office and then will continue with their usual tricks.

There have been cases on which subscribers have been complaining about how MTN staff will be calling them asking them to turn off their phone for some time because there is ongoing maintenance.

Some fraudsters will also call to tell you that you have won a prize on their ongoing promotion and he or she is calling you to guide you on steps to follow in order to receive your gift.

What you need to be aware of is that MTN Ghana will only call you with 0244300000 to either give information or to discuss an issue with you.

When does MTN make such calls?

They mostly call you when you win a promotion or you have reported a problem and they are calling to help you out or ask you to give them feedback of the problem you are facing using their network.

I remember asking MTN customer care on Twitter on how I can change the name on my sim card as my sim card was already registered when I bought it, I then received a reply from them and the person was asking for my number to further assist me.

Within minutes I received a call from MTN office number 0244300000 and he first asked me some questions and then later discussed with me the documents I need to make available before visiting any of their branches to do the change of name.

What time will you receive such calls from MTN customer service number 0244300000?

MTN starts work from 9 AM to 5 PM from Monday to Friday and on Saturday closes at 12 PM. So you will mostly receive a call from them on working days, but if it is a critical situation or maybe you reported a problem to them and they need to call you to assist you, then they will call anytime but with this number (0244300000) and not any random number.

Here are the things to take note of:

• Anytime you win a promotion, MTN will only call you with their official line 0244300000.
• MTN will never ask you to type in some code, install any third-party app to redeem your gift or visit a website aside their official website.
• All MTN promotions together with its winners’ numbers can be found on their official website mtn.com.gh

Conclusion

MTN  will only call you with their customer service number 0244300000 and not any other number. If you receive any call from someone claiming to be calling from MTN without calling using this number, then please don’t pay attention to him or her and kindly report that number by either dialling 100 or 0244300000.

More than often, we run out of airtime in the middle of a call or texting.

Usually, one would be left with much pain when this happens.

Most times, you’ll have to resort to your mobile money wallet, thanks to MTN Mobile money.

But, what happens if you don’t have a mobile money wallet or in the worst-case scenario, your mobile money wallet is also empty?

That brings a challenge. Perhaps it’s even deep at night or a place far from town.

How do you get airtime to finish what you started?

You know, leaving someone at the peak of a conversation could go down as a bad vibe at the end of the day.

You certainly don’t want to create any negative impression. So you want to be sure to catch up as soon as possible.

Well, MTN Ghana foresaw this problem occurring and hence decided to help you with the MTN Xtratime service.

What Is MTN Xtra Time?

The MTN Xtra time service is a service by MTN Ghana which gives active MTN customers the chance to borrow airtime and data and payback later at a 10% rate.

With the Xtratime service, you are given a limit based on how much airtime you buy and how much calls you make.

So, this service is tailor-made to fit every user’s pocket.

How To Subscribe For The MTN Xtratime

1. Dial *506#

2. Select your preferred amount (If you qualify, you should see a list of amounts)

3. You can press 4 for more options

4. To get data, you can select the “request a data advance” option

5. Select your preferred data bundle

6. Press 1 to confirm

You should receive your data or airtime afterwards.

Who Is Eligible For MTN Xtratime

Just as any other credit facility in the world, one needs to satisfy certain laid down conditions in order to be able to borrow airtime from MTN Ghana.

1. The sim card must be a prepaid card
2. Your main account balance shouldn’t be more than 4 cedis at the time of the request.
3. Your sim card must be properly registered
4. You must have recharged your line at least every month in the past 6 months.
5. You must have a certain volume of average airtime usage in a month.

If you satisfy all the above conditions, then you are qualified for the MTN Xtratime service.

Meanwhile, it is important for you to know that MTN reserves the right to indicate if you are qualified or not.

Conclusion

If you are a regular airtime user, you could get an advance of up to 10 Ghana cedía worth of airtime from MTN.

Also, if you use data often, you can get 300MB and above data advance from MTN Ghana, using this service.

All you need to do is to make sure that you satisfy all the conditions above.

Finally, provided you took an airtime advance which isn’t up to your given limit, you can take another advance until you reach your limit.

So, if your limit is 5 cedis and you took 2 cedis, you can go back for another 2 cedis without first paying for the initial 2 cedis. Same way, you can request for data advance in place of the second 2 cedis airtime.

But once you reach your limit, you can’t get the data advance either.

The technological advancement we have all been praying for didn’t come at a cheap cost, after all.

Following the tremendous growth of the mobile money industry, many scammers have been brewed and this has become a threat to the service in Ghana especially.

In this article, we shall discuss four ways to point out a fake Mobile Money call or SMS.

It has become increasingly difficult to differentiate true MTN mobile money notifications from fake ones but with this article, you’re on your way to 98.9% safety.

Let’s jump right into action now:

MTN Mobile Money Transaction Codes Contain 10-digits

Any true MTN mobile money SMS sent by MTN Ghana to your phone after a successful transaction should contain a Transaction code which is not more than 10-digits.

Most of the crooks who try to dupe others of their hard-earned currency via their mobile money accounts, just type transaction codes as they do not have the power to distribute transaction codes. In doing this, they mostly end up typing fewer or more digits than actually required.

So, to check whether an MTN Mobile Money message is authentic or not, one of the first things you should do is to check the transaction ID.

MTN Mobile Money Messages Are Usually Free From Grammatical Errors And Have Same Formats

The messages you receive from MTN Mobile Money notifications are usually automated messages and so have the same outlook like any other one you may have received in the past.

The messages are usually free from grammatical errors as they’ve been pre-written by qualified professionals who have ensured up to 99.9% clarity and accuracy.

One common feature of fake mobile money messages is their trademark clueless grammatical errors spread all over.

Most of these fake messages do not sound professional and lack the grammatical beauty that comes with the original message.

So, in order to confirm the authenticity of such messages, you may compare it with any previous message you received from MTN Mobile money. If there is a difference, well, you’ve just saved yourself some stress.

MTN Ghana Only Calls You With 0244300000

MTN Ghana, just as any of the other network service providers in Ghana has a specified line for calling customers over queries, promotions or any other issues.

As such, any calls received from any foreign number aside 0244300000, claiming to be calling from MTN Ghana office is a fake call and shouldn’t be tolerated.

MTN Ghana can never call any customer with a private number or any other network’s number.

Your MTN MOMO Balance Should Be Equal To What’s In The SMS

Anytime you receive money from anywhere via MTN mobile money, your new balance should be the sum of your previous balance and the new amount received. This figure should be the same as what you see in the SMS notification received.

That’s to say, if you had 512.00 GHS in your account and you received 300GHS from someone, the available balance in your SMS notification should be 812.00 GHS. And when you check your mobile money balance via *170#, you should also get 812.00 GHS.

If the amount in your SMS notification differs from what you see in your account balance, you have just been saved from some hungry scammers.

Conclusion

Do not give your password to anyone you do not trust. Do not transfer any money to anyone who calls you, indicating they have wrongly sent you some money until you can confirm that it’s true.

In today’s world of endless toil and troubles, the last thing you want to go through is a trauma associated with falling victim to a scam. Be safe and enjoy the fruit of your labour.

You can share your MTN Mobile money fraud experiences with us in the comment box.

MTN Ghana has designed a beautiful service for all workers to enjoy a great pension by contributing regularly for a period of 5 years or more.

With the My Own Pension scheme, users determine how much they wish to contribute and the frequency of the payment as well.

You can decide to pay daily, weekly or monthly. So, if I decide to pay 1 cedi daily (which is the least), and I choose a weekly Frequency, I’ll pay 5 Ghana cedis weekly through my mobile money account.

Once the registration is complete, payment is done automatically every 7 days.

Meaning, if you registered on Tuesday, every Tuesday, the deduction is made from your account.

If you do not have enough money in your account prior to the next deduction, that payday gets skipped and you wouldn’t be double-charged for your next deduction.

Also, your investment in the pension scheme is further divided into two equal parts. The first half goes into an investment account which you can withdraw after one year.

The other half goes into your pensions account which you can withdraw after 5 years. The interest rate on the pension scheme is a little higher than the T.Bill Rate for each year.

How To Register For The Service

1. Dial *170#

2. Enter option 5 for financial services

3. Enter option 4 for pensions and investment

4. Enter option 1 for My own pension

5. Select option 1 to Register

6. Enter Residential Address

7. Enter name of Next of kin

8. Enter phone number of Next of kin

9. Select Payment Cycle

10. Enter amount

11. Enter 4 digit secret codeM

12. Confirm 4 digit secret code

NOTE: You can only withdraw from your investment account after one year of contribution. Also, your pension account withdrawals are only available after your fifth year of contributions. You can always check your contributions in your Pensions and Investments account.

Mobile Money transactions have become an integral part of the banking system in Ghana. Many people have come to love transacting their day to day business through this new form of banking in the country.

With the advancement in Fintech and the coming into being of the interoperability system, a lot of ventures finds it easy to accept MOMO payment instead of physical cash payments.

Today, almost all the network providers in the country have implemented some form of the mobile banking system. We have seen the likes of MTN mobile money, Vodafone cash and then later AirtelTigo Cash Payment system. But looking at the statistics, MTN mobile money transaction is still the leading mobile banking system as it stands today.

Because of the rise in the demand for MOMO transactions outlets, MTN and all the other mobile money providers have expanded their outlets to anyone who is qualified and therefore wishes to work as a vendor for a commission.

The service providers have put in some requirements that you need to meet before you become a qualified applicant for the MOMO business.

Requirements to be an MTN Mobile Money Merchant

For you to become a merchant working for MTN, for a commission you will need to meet the following requirements.

• Must have a registered company(limited) or its equivalent
• Fill and submit Agents Recruitment Form
• Fill and submit Agent Account Handler Form
• Agent/ Merchant code of ethics

Registered Company (limited)

For you to be a successful applicant, you are required to have at least a limited company or its equivalent. This is to ensure that, in case of unforeseen circumstances, you can easily repay your debt and that of your customers.

Agent Documentation Requirements

Every business in Ghana must have official documentation to make it a binding one between the parties involved. Being an agent means you and MTN are entering in some kind of business which opts to be binding. this document will serve as a bidding contract letter. So in other to be issued the go-ahead to start a merchant business, you are required to fill and submit the agent documentation letter.

Agents Recruitment Form

Recruitment form, also known as MTN MOMO registration form. This form includes details like Registered Business Name, Trade No./Business Registration No, Assigned Bank, Agent Ghana Post GPS Location etc. You need to provide all the details marked as required with an asterisk. Once you are done then you submit it for a review. Get the form Here

Agent Account Handler Form & Agent/ Merchant code of ethics

The information needed here includes the agent’s personal details such as full name, date of birth, place of birth, nationality, occupation, Voter ID or any of the National ID’s. The code of ethics also has to do with the agents agreeing to abide by the business ethics. The handler form and that of the code of ethics can also be found here.

Prospective Agents must also meet the required structure and location requirements as set in accordance with EMI (E-money Issuer) guidelines. The structural requirements are as follows:

Permanent structure in the form of Brick and Mortar, Semi-permanent structure is required for an Agent outlet. These structures should be placed within 50-100 meters’ range.

Wooden structures and Umbrella outlets should be avoided as they do not meet the standard requirement. prospective Agents are also required to have a startup capital of GHS 4,000.

After meeting the structure and location requirement, and submitted your application, you will need to wait for sometimes before you get feedback from MTN.

The following points should be noted whiles you wait for your application to be processed:

• MTN Mobile Money centre shall respond via email or phone to all applicants upon receipt of their application.
• Applications received shall be vetted to ensure they meet all requirements.
• False documents presented during the applications process is deemed to be a criminal offence and MTN Mobile Money reserves the right to reject any applications that do not meet the requirements.
• Processing of a successful application shall take a minimum or maximum of 23 working days from the date on which your application is received.
• Successful applicants shall be notified about the status of their application via email or phone call upon completion of service.

MTN Mobile Money Agent Commissions Structure

As a mobile money agent, you get some benefits in terms of commissions. MTN mobile money agent gets rewarded commission per every transaction the carried out. This commission serves as a profit for these agents.

The commission fees are structured in the following ways:

Any withdrawal between GHS 1 to GHS 50 attracts a charge of GHS 0.50 whiles withdrawal above GHS 50 gets a deducted fee of 1% of the money to be withdrawn.

You can read more on these charges and fees from the Official MTN Page. This is where we come to an end of today’s post. Hope you find it helpful. If you do please share on all the platform you find yourself.