Using the internet is one of the main reasons why most of us have smartphones nowadays. We have become so accustomed to using the internet that we sometimes forget that some of the services we use on the regular make use of the internet.
However, to use the internet, you need to have an active subscription with your Internet Service Provider. Unless, of course, you have access to WiFi that has been subscribed by yourself or someone else.
For most of us, however, mobile data or cellular remains the regular way we connect to the various internet service. It is due to this that we are always on the lookout for mobile data deals that can give us great benefit for our money. Almost no one is on the Pay As You Go mode of using the internet anymore, now that it is not the default for browsing.
A lot of people have contacted me via private message about the possibility of tranfering their data to other MTN subscribers. Currently, there is no code to transfer MTN Data or bundle from one subscriber to the other. Anyone who claims to offer such a service is a fraud.
However, MTN Ghana allows subscribers to transfer and convert airtime or Mobile Money to other individuals as Data directly on their phones.
In this article, we will look at how you can transfer MTN Data Bundle to another MTN subscriber directly from your MoMo account or from your airtime balance.
How to transfer MTN Bundle to Family and Friends
Dial *138# to access the MTN bundle menu
Choose the option of the preferred bundle you want to buy (1 for Normal Data; 2 for Midnight Bundles; 3 for Kokrokoo Bundle; 4 for Social Media Bundles)
Choose option 2 (Buy for others)
Enter the MTN Phone number of the recipient
Repeat the phone number to verify
Choose the amount corresponding to the value and amount of the data bundle you want to buy
You’ll get a prompt verifying your choice, choose 1 to confirm
Choose payment mode (Airtime or Mobile Money)
With Airtime, the bundle will be sent to the person instantly. If you choose MoMo, confirm the transaction when the MoMo prompt appears on your phone.
You’ll receive a text message confirming that you have successfully transferred the data bundle to the individual.
Confirmation message when you transfer data to another individual
Although this method is very efficient for transferring data bundle to other individuals, I usually find myself sending airtime or actual Mobile Money to individuals more.
Also, I love the fact that if you go the longer route of MoMo to Airtime and Airtime to Data Bundle, you get bonus credit for calls. And there is a clever trick to extend that bonus so that it never has to expire too.
Conclusion
Sharing is caring. If you have enough airtime, you should certainly consider bundling for a family or friend. Remember that this method works well in the myMTN App too.
Have any cool MTN tricks, be sure to share them with us.
If there is any big question that is largely unanswered among MTN users, then it has to do with the conversion of Airtime into Mobile Money.
We have had many people call to enquire about the possibility of converting their Airtime into Mobile Money.
There are times that someone wrongly sends you Airtime instead of a mobile money transaction and you want to find a way to convert that airtime into mobile money. But, it is very impossible. At least, for now.
So, the big question most people ask is that; if Mobile Money belongs to MTN and the airtime also belongs to MTN, why can’t they allow customers to convert their airtime into MOMO. Especially when people can change MOMO into airtime.
Frankly, this is a difficult question that nobody has attempted to answer yet. But, for us here at your favourite African Tech Blog, we attempt to provide a clear explanation to this question in this article.
Please stick around to read it all.
Fraudsters Could Take Advantage Of The Situation
Imagine that MTN actually makes it possible for anyone to convert their airtime into Mobile Money. One day, you mistakenly send airtime to the wrong number while sending it to a friend or your other line.
You call this strange number and the person fails to reverse the airtime. You call MTN and they tell you that the person has already converted the airtime into money and they’ve withdrawn it already.
How sad would that be for you?
Also, criminals can steal airtime from other people’s phones and convert them into Mobile Money on their personal accounts. They may also end up robbing scratch card sellers and converting the cards into Mobile Money.
This will create so much chaos in the system.
MTN Has Nothing To Gain But So Much To Lose
Let’s be real here. It is absolutely unrealistic for MTN to consider giving its customers the chance to exchange their airtime for Mobile Money.
If this is allowed, there’s the tendency that many people will exchange their airtimes for Mobile Money. Now, the logic is that; once you buy airtime, you have to use it and finish it. So, MTN is assured of huge gains anytime you buy airtime.
But once there’s the chance that you can withdraw that airtime through Mobile MOney, it’s likely that when you buy airtime worth 10 cedis and you later need money, you can withdraw 9 Cedis out of that 10 cedis airtime. So, MTN loses 9 Cedis profit through this transaction alone.
Ideally, no business would want to put itself in a situation where they’ll keep making losses. And MTN will absolutely not put itself in such situations.
The Alternative Way To Change Airtime Into Cash
All hope isn’t lost yet. Even though MTN doesn’t allow you to directly convert your airtime into Mobile Money, you can still convert that money into cash or Mobile Money.
So, the person either pays you with cash or they can pay into your Mobile Money wallet upon receiving the airtime.
Conclusion
The thought of being able to exchange your MTN airtime for Mobile Money is something that has ever crossed our minds at one point or the other. This is especially true when you’re in dire need of money and you realized that you have some airtime on your phone.
Sad as it is, this wish can never be granted. It can only remain a dream, considering that MTN will never find it possible to enact that feature.
In this article, we spoke about why it’s not possible for you to change airtime into Mobile Money.
We hope that you loved this article and that you’ll share it with your friends and relatives.
Kindly do well to share your comments, reservations and questions about this article in the comment box below or get in touch with us.
The notion of Free Browsing has been around for a long time.
The idea that you can be on a telecommunications network and not pay but enjoy data packages is one that amuses and will continue to amuse a lot of people. But is free browsing real?
Well, to some extent, I would agree that there has been a lot of “free browsing” that have been available since the days of java phones and “dead sims”. However, let us concentrate on current occurrences and see if this browsing is really “free”.
Rumoured 2021 Free Browsing Cheats
Rumoured Glo Ghana 2021 Free Browsing Cheat
This one readily comes to memory as I write this post, particularly because I am a “Big Glo Customer” and the emergence of this so-called free browsing trick affected me negatively. My first experience with this promise of cheap and almost free data was in June 2017 on Facebook. I was sharing posts onto facebook groups when I chanced upon a message encouraging people to pay for Glo data at ridiculously low prices.
Data were available to purchase with the seller seeming not to lose anything.
I contacted a few friends about how legit this data offer was. The outcome was quite simple: “Someone has been able to hack Glo and they are sharing data but some greedy ones are selling it”. I don’t know how true this hack thing was but what I did find out was that, yes, data has been sold and it was working perfectly well! Could this be a free browsing cheat well executed?
Well, I heard all the data “vanished” after some time. I personally believed this “free browsing” was real because during the period it was “active”, my network (Glo) became terribly slow.
Rumoured Vodafone Ghana 2021 Free Browsing Cheat
Among my friends, Vodafone and MTN have garnered a lot of respect because of their “tight security”. Oh, I do believe those two have tight security but as to how tight, I do not know.
In the case of the Vodafone Free browsing, it appears the discoverers of this trick could even auto-renew whatever bundle they came “stole”. The whole of last month, I had to respond to a lot of WhatsApp messages from people asking me if 6GB of Vodafone Data was been sold for GHS 30 and GHS 20. I became suspicious as there seemed to be no fixed price for the data, but rather a seemingly “reduce price to gain more buyers” methodology.
After speaking to someone I met online, he confirmed my suspicions. There was indeed Vodafone Free Browsing cheats that delivered 6GB and 2GB data, which could also varnish. According to him, Vodafone Ghana knew what was up but “it seemed they had no way to stop it”. Before writing this article, I contacted another person who was on social media selling the Vodafone Data. He maintained that it was a mistake and that he had never sold any Vodafone Data.
My take on Free Browsing Cheats and Tricks
It’s human nature to love free things, and people will continue to go in for this. The telecommunications network here in Ghana, if they really want to stop these “Free Browsing Cheats and Data thefts” will have to consider dropping their data charges and adding more value to the data they provide.
Vodafone X started well but after the price increase in the bundles somewhere in August 2015, coupled with recent dissatisfaction on social media, Vodafone may have to rethink the offer. Tigo Tribe and Big Time Datahas also got a lot of people puzzled after the introduction of the “0.10 GHS” subscription and as for MTN Pulse, it just does not seem enough for anyone.
Do you believe in free browsing cheats? Let’s hear you in the comments section below.
Since the introduction of mobile money in Ghana, some ten years ago, payments and other financial transactions have become faster and easier.
Today, we can make and receive all forms of payments from the comfort of our homes without any trouble.
Indeed, mobile money and most especially MTN Mobile money has been a lifesaver for the majority of us.
However, the major challenge that comes with using mobile money in Ghana is the daily increase in mobile money frauds.
The activities of fraudsters have not just made mobile money difficult to use but also it has put lots of people in miserable situations and has also caused the loss of some lives.
In this article, we focus on some of the precautionary measures you should take in protecting your MTN Mobile money from these scavenging fraudsters.
Change Your PIN CODE As Regularly As Possible
Whereas the mobile money platform itself is highly secured and requires some difficult levels of hacking to break through – thanks to MTN’s security systems, one of the main things an individual can do to protect his or her mobile money wallet is changing PIN CODE from time to time.
Your Pincode is the key to your mobile money wallet. If someone has access to your PINCODE, they may be able to withdraw money from your account. It is, therefore, necessary that from time to time you change your PINCODE. Especially when you suspect that someone might have seen your PIN. It is also advisable for you to change your PIN CODE every 3 months.
Do Not Approve Transactions You Are Not Aware Of
One way people can play on your intelligence and steal money from your mobile money account is when they send a withdrawal request to your mobile device. Once you approve such transactions, the money is automatically deducted from your account and sent to the one who requested the payment.
The only things someone needs for them to be able to send such requests are your number and a merchant Simcard. You can imagine how easy it is for them to get these so you do not need to take a chance at all.
When you get notification for any transaction you did not initiate, kindly cancel it and report to your service provider.
Avoid Filling Forms Online For Free Data And Airtime
One way people get access to your phone number is true such fake links usually on WhatsApp requiring that you fill some forms so you get some amount of data or airtime in exchange.
Most times, such links request that you input your phone number and other personal details.
These pieces of information are stored on such websites and retrieved by the owners who may then use your number to defraud you.
Always Check Your Balance To Confirm Any Mobile Money Transaction
One thing that remains for sure is that apart from you or anyone else who uses your phone, nobody knows the amount of money you have in your mobile money wallet.
With that said, it’ll be difficult for fraudsters to realise the exact amount of money you have in your account and frame a fake Mobile Money message to reflect that amount.
Therefore, it is important for you to always check your balance whenever you receive any new message regarding cash received. If the amount stated in the message is different from the amount in your account, know that you’ve just been saved from a possible scam.
Conclusion
The points listed and discussed above are just some ways through which you can protect your wallet from fraudsters.
There may be a hundred other ways to do so but based on our experiences with MTN Mobile money and fraudulent activities associated with it, these are our top ways of protecting an MTN Mobile money account. If you have any reservations, enquiries or comments regarding this post, kindly leave it in the comment box below.
This article was written by an Mfidie.com reader and initially published in August 2020.
On Friday, 14th August 2020, I became a victim of the VIP Parcel Service Fraud and will like to share my experience with the general public.
The intent is to educate the public and create mass awareness of their mode of operation so no one falls victim to it. Also, remember to read our article on staying safe when buying online.
How It Happened
On Thursday, 13th August 2020, I visited Tonaton.com to search for a good laptop deal to use for work. After combing through and filtering a lot of results, I landed on an HP Envy Gaming laptop going for GHS 1050.
Initially, I thought the offer was “too good to be true” so I decided to find out how much it’s being sold by other sellers. To my surprise, a lot of merchants were selling it around GHS 1000+.
I thought they may have gotten a good laptop deal abroad hence the decision to sell at the price and since it was a used laptop that price tag will be fair. (In retrospective, I later realized most of the sellers were using the same fraudulent approach).
Since I was low on cash, I thought it was a good offer, hence I contacted one of the sellers named Sylvester for inquiries.
Ignorantly, I contacted Sylvester via phone on 0261013804 to inquire if the laptop was still available.
He confirmed the availability. Because I say the condition as new, I wanted to be sure it was actually new. He told me yes it was new and it was a promo that is being run by the company hence the low offer.
He indicated that the office is based in Akosombo and not Accra as specified in the ad and he is willing to send the laptop to me through the VIP transit.
The Condition
I was a bit skeptical knowing it was not based in Accra. However, Sylvester gave a caveat the laptop will be given to the driver of the VIP bus and only upon receipt of the laptop should I make payment to the driver who will intend send the money to him.
I agreed to the proposal and he sent the pictures of the laptop with its specs via WhatsApp it was a new laptop. He requested for a WhatsApp Video call to guarantee the authenticity before bagging it to VIP bus terminal.
What Happened At the VIP Bus Terminal?
After the video call has ended, he informed me he was going the VIP Parcel terminal to send the laptop, he promised to call me when he gets there so I talk to the driver of the vehicle and take his details.
Which he did, I spoke to one Osofo Isaac [on 0277190918] who claimed to be the VIP driver of the vehicle with registration number GR 2399 -15.
At the terminal Osofo Isaac claimed drivers were not supposed to handle packages and that the package will have to be sent to the Parcel office to be verified and registered into their system before he can go for it to be sent to Accra.
Sylvester (the fraudster) also called me to let me know the initial agreement of handing over the laptop to the driver was not possible due to VIPs rules so he had to take it to the VIP Parcel office instead.
At the VIP Parcel Office, the item will be booked and verified and a code will be given to me so I give it the driver to claim the package. However, I will need to pay for the cost of the package fee at the office. Knowing that the laptop was being sent via the VIP Parcel office, I felt at ease.
This is the picture he sent me when he got to the terminal
At the VIP Parcel Office
Sylvester (the fraudster) then went to the VIP Parcel office to deposit my package. He called me to inform me the package has been weighed and will cost me GHS 30.00 so I should send him the money.
Not being on MoMo he asked that he approach a Mobile money merchant nearby so I speak to him and send him the money if he agrees to it. I spoke to one Bernard Boateng (MoMo Merchant) on (0551446524) and later send him the parcel fee of GHS 30.00.
Sylvester called to confirm receipt of the MoMo and later confirm making payment by sending me a receipt.
A Call From the Parcel Office
I received a call from the parcel office indicating the parcel has been verified and that it’s an HP Envy Laptop.
The caller then indicated that VIP will pay for the full price of the package if I did not receive my package or if there is any defect on it and so I can hold them responsible for any eventuality (I felt more at ease this time).
He later confirmed my name (I had given my name to the Fraudster to be attached to my package).
A few minutes later I got a SMS .
How I was Duped
The office indicated that since they only deal in delivering of packages, they are not in a position to take money from me to hand it over to the Sylvester (the fraudster) when I finally receive the package, hence I will have to find a way of paying Sylvester, mean whilst they can confirm receipt of the package, it is in safe hands and has been verified.
Sylvester then calls me to let me know since the package has been delivered to VIP, he is on the losing end because he is not assured of receiving the money. He sent me the below pictures to confirm the deposit of the package
Picture of Parcel sent to the “Office” registered and verified
Package is Secured At VIP Parcel Office, So What Next?
Since the package has been secured at the parcel office, I needed to inform the driver to go for it. But he can only make claim of it with a Code (written on the receipt) .
The Driver then calls me some minutes later, claiming he is about departing and will need a Code to go to the office to take hold of the package so I need to call Sylvester to send me the Code to be given to the driver (Osofo Isaac).
I called Sylvester then he wanted to know how he will get his money since the package has been secured at the VIP Parcel office. If he hands the receipt code over to me to given to the driver, what guarantees his payment.
I was a bit sceptical (since this wasn’t our agreement) but the driver kept calling me several times (he was departing and I was delaying his departure time).
I called Sylvester again, assured him of getting his money so I will need the code to be given to the driver. After some back and forth conversation, he finally released the code to me (K3004)
I passed it on to the driver, he then called me has gotten the package and is setting off to Circle ( journey will take about 3 hours). I should expect him around 1 pm and he will give me a call once he alights.
Paying the Fraudster
Now that I know the package was coming to my destination, I called Sylvester (the fraudster) and he agreed I should send him the money (GHS 1,050) via MoMo to Bernard Boateng (the same person I earlier sent the GHS 30 cedis).
I sent the money and Bernard called to confirm receipt of the money. The Fraudster also called to confirm his receipt of the money and told me he is waiting a bit to see the vehicle depart finally
The Waiting Period
I waited patiently till 1: 30 pm to find the whereabouts of the Driver, he picked the call and indicated he had arrived at Circle and was parking so will call me soon.
After about 30 minutes I called again, this time, he was furious and was asking me why I was pressuring him to answer calls when I knew he was driving and putting the lives of the passenger at stake, he reiterated he will call me when he finally parked.
The VIP Parcel Office
Eager to welcome my package, I moved to the VIP Parcel office at Circle (it was almost an hour past since I spoke to the driver) to check on the whereabouts of the driver and claim the package from the Parcel office.
I greeted the personnel there an inquired if there is a parcel office for Akosombo, immediately I mentioned the town, the gentlemen look at me and inquired if I had made an online purchase on Tonaton.com. I told them yes.
Sorry, you have been scammed!
He then looked straight in my eyes and unapologetically told me I have been scammed.
I could not believe my ears. I even showed him the receipt of the payment and the Vehicle Registration Number. He told me the receipt is fake and the Vehicle is just a random boarding vehicle they take at the station.
I am Not the First, And Won’t Be the Last.
He then narrated to me how I was scammed just to confirm to me it is truly a scam and cited similar incidents of customers walking into the parcel office to make claim of an online purchase which they never get hold on. So apparently, it was scheme they knew.
What I did Next
I still couldn’t believe it so I called the driver, and wanted to know his whereabouts he told me he has arrived at Circle, so I pressed to find out which part of Circle he is now since I am also there (at the parcel office).
He told me to wait for him, I called again and he insisted I should be there waiting. At last, I knew I have been scammed. The only thing I could do was to utter some curses on his life before he finally cut the call.
I got home in a pensive mood , narrated the story to my dear wife , she comforted me and said we should try calling the Fraudster , the line was off, tried the next morning with a different line and he did not pick. Tried the parcel office line, was switched off.
What can be done?
Well I know I will not receive my money again, but sharing my experience will prevent another ignorant person from falling into the same trap.
Share this on your social media platforms so we can be well informed and be alert.
Lesson Learnt
Someone once said, “IF IT IS TOO GOOD TO BE TRUE, IT IS TOO GOOD TO BE TRUE”. Guess I learnt it the hard way.
Data is one thing we all cry over. Especially in Ghana. Everyone cries about how expensive data packages are in Ghana and how they are quick to disappear when you finally purchase some.
What’s worst is that you’ll end up buying a data package with a huge volume but not be able to use it for some purposes. This can be painful and also capital-intensive.
In this article, we take a look at one of the MTN data packages which are widely misunderstood; The MTN Video Data Pack.
Ever wondered what this data package is about? Wondered how it’s used and where it can be used? Well, worry and wonder no more. In this article, we take a quick look at what it means, what it’s used for and what it cannot be used for.
So, stick around and enjoy this all-important piece.
What’s The MTN Video Data Bundle About?
Unlike the everyday data bundle which you buy on your phone for the purpose of browsing, texting, WhatsApping, checking Social Media and watching Youtube videos, the Video Data Bundle is more specific.
The Video Data Bundle is specifically made for people who enjoy streaming videos on Youtube, Kwese Iflix and DST App.
The bundle works only on the three platforms listed above and strictly on their mobile applications too.
What You Can’t Use The Video Bundle For
There is a tall list of things you cannot possibly use the MTN Video Data Bundle for. Some other MTN Data Packages can help with this but not the Video Bundle.
Some of these things are listed below:
You cannot watch Youtube videos with this bundle when using a web browser. It practically works on the Youtube Mobile application only. If for any reason, you’re still able to access the Youtube platform with a web browser when on this bundle, then be informed that you’re probably using a residual or bonus bundle somewhere else. And once that bundle finishes, you won’t have access to the Youtube platform anymore.
Also, you cannot watch Netflix with this bundle. Yes, I know this sounds shocking. But even though Netflix is a video streaming platform, MTN Ghana didn’t consider them when coining the ‘Video Data Bundle’ term. It’s simply just about Youtube, Iflix and My DSTV App.
You cannot download a movie or watch any other movie on any other video platform with this data bundle.
Never can you browse social media with this data bundle. If you don’t have any normal data package or social media package, just forget it. The Video data bundle won’t cater for your social media charges.
Finally, anything that has to do with using your web browser cannot be catered for by the video bundle. Even if you have 500GB worth of Video Data bundle, your browser won’t work until you have the normal data package.
How To Buy The MTN Video Data Bundle
If you are a fan of Youtube videos, then you have definitely been searching around for a bundle that makes life a little bit easier for you.
The MTN Video Bundle is a perfect way to set the mood for your Youtube streaming sessions without having to worry about the cost of data.
So the big question is; How Do You Buy The MTN Video Data Bundle?
And the answer is very simple. Just follow the steps listed below:
Dial *138# on your MTN line.
Select Option 1 to buy data bundle
Select option 1 to buy for yourself
Select Option 6 to select video bundles
Select the amount you want
Dial Option 1 to confirm
Note: The Video Data Bundle has no expiry so you can use it for as long as it can last you.
Conclusion
Without an Internet Bundle, you’ll remain locked out of the numerous possibilities which the internet presents. The pain is however different when you have a data package that you cannot use to do the very things you love doing online.
In this article, we took a look at the MTN Video Data Bundle, how it works, what people mistake it for and how to buy it.
If you found this article helpful and you’ll love to share the knowledge with your friends and relatives, kindly do well to share the article.
Please leave your comments, questions and reservations in the comment box below. We shall respond to each of them. You can also get in touch with us.
After clicking the pay now button and completing your payment to secure your Jumia order, the next few days or weeks come with a long wait.
However, your wait even gets more annoying when you finally receive your products only to realise they aren’t exactly what you thought they are.
If you ordered for a shoe, it’s not out of place to realise they’re smaller or bigger than you thought.
At this point, the last thing you want to do is smile. Obviously, you want to smack someone’s head. But, that shouldn’t be the case.
For this and many other reasons, Jumia has a return policy.
Here, in this article, we take you through the processes involved in returning a product you bought from Jumia Ghana.
Steps to return an item on Jumia Ghana Online Shop
Returning an item you bought from Jumia Ghana is easy. Open your item right after receiving it and if it is not what you ordered for, you can return it.
Follow the following instructions to return an item you bought from Jumia online shop in Ghana:
Inform Jumia Customer care about your intended item return
Indicate you are returning the order on your Jumia account
Fill the “order return form” that came with your item
Pack Your Product For Return
Return Your Product To Jumia via dropoff or pickup
Now, let’s break down the process of returning a product you bought from Jumia.
1. Inform Jumia Customer care about your intended item return
Call Jumia customer care line on 0302740630 or send an email to [email protected] to place an order for your return.
You will need to input your order number, the problems associated with the product you wish to return and when you received the order.
2. Indicate you are returning the order on your Jumia account
The next step is to inform Jumia about your intended return. You can do this by logging in to your Jumia account. Go to your orders and click the “Return Product” button on that page.
That will send notice that you are returning the product.
3. Fill the “order return form” that came with your item
This paper leaflet comes with all Jumia purchases. Quickly fill the form indicating the reason and conditions for your return.
Remember to fill all the details and proceed to pack your item with the form.
4. Pack Your Product For Return
To be able to return a product bought from Jumia, you need to pack the product in the exact box it was originally packaged and it must also be packed in the same way as the original.
There must be no physical harm caused to the product itself. Everything must be intact. Include all tags, accessories or free gifts you received
5. Return Your Product To Jumia via dropoff or pickup
Usually, Jumia Ghana provides two options for returning products. The first one is a pickup from the Jumia team and the second is a drop-off at any Jumia pickup store agreed upon by yourself and the team.
If you requested a pickup, Jumia will contact you to arrange a pickup time.
For the drop-off option, Please drop your package at the chosen place, following the given instructions. There shall be no shipping charges.
What are the conditions for returning an order to Jumia Ghana?
Products can be returned only during the 7 days following the delivery, with the below conditions:
Condition A:
If the product is not as you expected or not as advertised. or if you don’t want the product anymore. Then the product must be returned unused, in its original packaging and with all seals & tags intact
Condition B:
If the product is damaged at arrival, defective at arrival or counterfeit; or
If your fashion product is of the wrong size. Then the product must be returned in its original packaging. All accessories, tags and free gifts must also be returned.
Conclusion
You should only attempt to return a product to Jumia Ghana within 7 days of receiving your product. After 7 days, you may have a problem returning the product.
Also, you may only have the option of re-ordering or choosing another product, if your original product is out of stock. Getting the actual money/cash from Jumia is very unlikely.
Getting money transferred to you from Outside Ghana to Ghana is one of the most difficult things for most people to do.
Transferring money from Europe, America or any other part of the world straight to Ghana has not been easy. Most of the services available take a lot of time to reflect the money in the accounts of owners.
Some also require lots of third parties and may end up reducing the volume of money that arrives in the receiver’s account at the end of the day.
In this article, We’ll take a look at an app which ensures easy and reliable transfer of money from any foreign country to Ghana.
What Is Transfer Wise?
Transferwise is a global financial technology (fin tech) company which provides people the opportunity to send money outside their jurisdiction while maintaining the real exchange rate at the time of sending and also with a very minimal cost.
How To Send Money Using Transferwise
1. Register for a free account. To register for a free account, follow the steps below:
a. Enter transfer wise website and click “register”
b. Select “Personal” for a personal account or “Business” for a business account. For the sake of this tutorials, select “personal”.
c. Enter your email address in the space provided for that.
d. Create a password
e. Select the country you reside in currently from the list of countries under the “Country of residence” tab.
f. Click on “sign up”
g. Your account should be opened in a few seconds.
2. Click on send money on your user dashboard.
3. Choose the currency and amount which you want to send under the “You send” box.
4. Select from the list of three transfer fees, the one that best works for you depending on how fast you want the money to be sent and the kind of transfer you wish to make.
5. Select the currency in which you want the recipient to receive the money. Eg. USD, EUR etc.
6. You’ll see the date of receiving below the “recipient gets” box.
7. Click on continue.
8. Select the mode of transfer. In this case select “Personal”
9. Enter your full legal first name and middle names in the first box.
10. Enter your full legal last name in the next box.
11. Select your date of birth and enter your phone number.
12. Enter your address and click continue.
13. Select the person you’re sending the money to. In this case, select “Someone else”
14. Enter the email address of the receiver
15. Enter the full account name of the receiver.
16. If you know the owner’s account number, Tick the box beneath with “I know their bank details” and enter the IBAN account number of the person. If not, just leave the box empty. The company will send an email to the person requesting for their bank details in your name.
17. Click on confirm.
18. Upload a proof of your identity (Passport or license)
19. Click “start” to verify.
20. Review all your details and click continue.
21. Select your payment method and confirm.
22. Your money should be sent.
With transferwise’ android and iOS applications available on both google playstore and Apple App Store respectively, you can easily manage your money transfers and keep record of all your transactions.
Conclusion: Despite the huge number of money transfer apps around, transferwise is a perfect solution for all international money transfer situations since it provides the best rates and charges. While sending an amount of 1, 000 British pounds, one gets to pay either 3.95 or 6.5 GBP as the charge and a mid-market exchange rate too. Also, transferwise is trusted by over 6 million customers with over 13 physical offices across the world and over 5 billion euros sent every single month by users. With these, you should definitely use transferwise on your next money transfer. I hope this article was helpful to you. If you know of any other money transfer apps or if you have any comments to
Share about this write-up, kindly let us know in the comment box below.
Businesses and individuals are compelled at one point or the other to go in for loans to either solve emergencies or see to some necessities.
In fact, the demand for loans has actually increased over time, therefore leading to an increase in financial institutions across the globe.
The story has mot been any different in Ghana. Currently, there are hundreds of small and large companies giving out loans here and there.
However, most of these loan companies which give out loans through online systems often give amounts from GHS 1,000 and below.
In this article, we shall discuss an online loan company which offers you up to 10,000 Ghana Cedis via your mobile money wallet. Interesting right?
About Zidisha Online Loan
Zidisha is the peer to peer version of loan companies available on the internet today.
Meaning, this company allows individuals to raise money on its online platform from other individuals across the globe who may be interested in funding projects listed on the site by borrowers.
With Zidisha, you are offered up to GHS 10,000 based on how much you need for your project, how convincing your project is, how well and early you have paid your previous loans and how many people are interested in your project.
Interestingly, there is nothing like interest when you borrow from Zidisha online loans.
You only have to pay a 10% service fee which is used to process your loan and take care of transaction fees as the amount is mostly paid via e-wallets.
It’s getting more interesting, right?
How To Get Loans On Zidisha
As indicated in the introduction, Zidisha loans operates 100 percent online.
Meaning, loan applications, processing and transfer are all done online without any physical contact.
To apply and get a loan on the platform, follow the steps listed below:
Register for an account
Put in a request for a loan
Lenders see your application and contribute towards your project
You get paid when you think you have enough money or when your duration is up.
You repay the loan in weekly instalments till you pay all.
How To Register For An Account On Zidisha
The requirements for opening an account on Zidisha are; a phone number which is registered in your name, a National ID card and at least five minutes worth of internet data and time.
The steps explained below help you to get register for an account on Zidisha:
Click on signup on the homepage of Zidisha.org
Enter a mobile number registered in your name
Enter your full name, in the order; first name and last name.
Enter your new password.
Enter the mobile number you entered earlier.
Enter another phone number in the text box, if available.
Input your email address.
Select an accurate date of birth.
Enter your Ghana card or Ecowas card Identity Number. Make sure you begin this with GHA and without dashes. Example: GHA123810BA
Enter the name of your town where you currently reside.
Input your street name or street address.
Explain in details how to locate your home from a major street or road in your town. Make it very precise and accurate.
You may choose to enter the referral code of the one who referred you or write about how you heard of Zidisha.
Click on ‘Next’ at the top to proceed.
Read the terms of use and about Zidisha and agree to them.
Voila! You are in now. You can start applying for your loan.
Application For Loan
Before one can apply for a loan on Zidashi after registration, you need to first off identify yourself by uploading a proof of identity. Follow the steps below to identify yourself and apply for the loan.
Take a clear and readable photo of the front view of your Ghana Card or Ecowas card and upload on the ID verification page.
Add a clear photo of the back view of your ID card on the next page.
If you wish to receive big loans at once, you can upload your statement of account for the past 30 days from your Mobile Money operator or bank account. If not, skip the next step.
Write a short note about yourself, including your childhood, your struggles, how you overcame them, your business and what you intend to do to help society.
Write about your sources of income.
Answer questions regarding your weekly earning pre-expenses and post-expenses.
Enter the amount of loan you want and how much you can pay weekly. Make sure they are in line with your earnings.
Pay your one-time membership fee of 40 Cedis.
Review your loan amount and repayment plan.
Explain how intend to use the loan.
Review your application and publish it.
Who Qualifies For A Loan?
To be able to qualify for a loan from Zidisha, you must satisfy certain conditions which act as security measures put up by the organization against unscrupulous people.
You must be at least 18 years old by the time of applying.
You must be a citizen of Ghana, Nigeria, Indonesia, Zambia or Kenya.
You must have a good reputation and must be supported by a family member or community leader.
You must not have any currently overdue loans with any other institutions.
You must have a business or employment that pays you enough to be able to refund your loan.
You must have access to the internet or have the Zidisha app installed on your phone.
Conclusion
Zidisha is the future of loans especially because it does not offer any interest rate of any sort, therefore making it easy for borrowers to repay their loans within the stated time with ease.
This platform is more of a philanthropic movement rather than a loan or finance company, as indicated on their website.
As such, it is important that as you apply for loans on this platform, you do so with a clean heart and the intention of also supporting other people on the platform when you can.
While this organization is not a financial institution, please be informed that failure to pay your loan and deliberate attempts to avoid contact with the organization may lead to legal actions against you.
I hope this article was helpful to you in your quest to get loans online for your business or project, right here in Ghana.
Kindly share your views, comments and reservations with us in the comment box below.
Please do not forget to share this with your friends and family.
MTN Ghana has rolled out a new loan service called the MTN Ahomka Loan. This Mobile Money loan follows in the footsteps of similar products offered by the telecommunications network.
There are already a lot of mobile money loans in Ghana and although not explicitly stated, the new loan is seen by many as a way to ease the financial pain of the lockdown and other COVID-19 effects.
“Ahomka” can be translated as meaning “Emotions” or “Feelings” and this could be MTN Ghana’s response to the plight of the many Ghanaians who are struggling financially.
The loan application is not long and in just one minute, you can complete it.
Requirements for MTN Ahomka Loan
You should be 18 years and above.
You should be an MTN Ghana Subscriber for more than 90 days.
You should be registered on the MTN Mobile Money Service and actively use the Wallet for transactions, including sending and receiving money, purchasing airtime, paying bills among others.
If your MTN Mobile Money wallet activity is too low, or you have not used the wallet at all, you may not be able to qualify for the MTN Ahomka Loan.
How to get a loan from MTN Ahomka Loan
To borrow money from MTN Ahomka Loan, follow the following steps via USSD your phone:
Dial *170#
Choose option 5 (Financial services)
Choose option 3 (Loans)
Choose option 3 ( Ahomka Loan)
Choose option 1 (Get a loan)
Enter your Mobile Money PIN and hit enter
Enter option one (View offers)
Enter the option for your preferred amount (There are usually options available between GHS 50 and GHS 1000)
Enter option 1 to confirm your repayment plan
Wait for your Loan to be disbursed into your Mobile Money wallet
Note that not everyone who applies for the loan will receive it. Also, MTN Ghana tends to give bigger amounts to people who usually transact a lot with their Mobile Money and also allow a substantial amount to lie in their wallets for a while.
Thank you for reaching us. We are glad to serve you today. Kindly note that the interest rate of the Ahomka loan is still 6.9% and 12.5% when you default. The maximum amount is also GHS1000, same as Qwikloan and expressloan. We are available for clarification *Christabel #WeDey4U
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