How To Register For MTN Mobile Money

Ghana Tech Base 22 August, 2023

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The arrival of Mobile Money in Ghana has provided Ghanaians with a secure and hassle-free means of managing their finances, eliminating the concern of carrying large sums of cash while on the move.

Back in 2009, MTN Ghana introduced the MTN Mobile Money service in Ghana, a move met with skepticism by locals who were uncertain if it would benefit the Ghanaian marketplace.

However, today, a substantial number of people in Ghana, primarily on the MTN Ghana network, have embraced this service. If you seek a convenient, swift, and efficient way to conduct transactions, MTN Mobile Money is the first choice that springs to mind.

To fully unlock the potential of this service for everyday financial transactions, it’s important to complete the MTN Mobile Money registration process.

We also have a post about How To Reverse MTN Mobile Money Transaction that might interest you.

Table of Contents

What You Need to Register for MTN Mobile Money

To sign up for an MTN Mobile Money account, you will need to provide specific documents and details for verification. These required pieces of information and documents include:

Valid ID Card (Voter’s ID Card, National ID Card, Passport or Driver’s License)
Date of Birth
MTN Phone Number

How To Register MTN Mobile Money

To register for MTN Mobile Money, you can go to an MTN merchant, agent, or office. Here are the simple steps to follow for registration:

Ask for registration assistance from the agent or staff. They will use their device to record your information, so be sure to provide accurate answers to their questions.
You will receive a request on your mobile device.
Dial *170# on your phone and set a four-digit PIN as prompted. This PIN will be used for your transactions.
After completing these steps, you’ll receive a message confirming that the registration process is finished.

How To Register MTN Mobile Money Online

At times, you might not find the time to visit the nearest MTN offices or Agents/Merchants for registration. In the following steps, I’ll guide you on how to complete the registration process conveniently from wherever you are.

MTN Ghana has streamlined the process, allowing you to complete your MTN Mobile Money registration online. You only need access to your mobile phone number for confirmation. Follow the steps outlined below:

Visit the MTN Ghana website using an internet-enabled device.
Click Register. Enter your mobile phone number and preferred PIN.
Enter the CAPTCHA displayed and wait for a One-Time PIN to be sent to your phone.
Enter the OTP, followed by your password.
Follow the prompts to complete the process. Read more:

You can also perform MTN online registration through the app. Just download and install the app, open it, click on the registration option, and then follow the on-screen instructions. Ensure you have a stable internet connection to successfully complete the process.

MTN MOMO Tarrifs

Transaction Point	Services	Minimum Value GHC	Maximum Value GHS	MoMo Charge	Tax Charge
Subscriber	*Money Transfer (P2P)	1	50	GHS0.38	1.50%
		Above 50	1000	0.75%
		Above 1000	N/A	GHS7.50
	Money Transfer ( to Merchant MSISDN)	1	50	GHS0.50	*N/A
		Above 50	1000	1%
		Above 1000	N/A	GHS10
	MoMo Pay (Merchant ID & QR)	1	1000	0.5%	*N/A
	MoMo Pay (Merchant ID & QR)	Above 1000	N/A	GHS5	*N/A
	Money Transfer (A2C)	1	50	GHS1.5	N/A
		Above 50	1000	3%
		Above 1000	N/A	GHS30
	Transfer to Other networks	1	50	GHS0.38	1.50%
		Above 50	1000	0.75%
		Above 1000	N/A	GHS7.50
Merchant	Money Transfer (Merchant to Agent)	1	1000	1%	N/A
	Money Transfer (Merchant to Agent)	Above 1000	N/A	GHS10	N/A
	Money Transfer (Merchant to Subscriber)	N/A	N/A	Free	N/A
	Money Transfer(Merchant to Merchant	N/A	N/A	Free	N/A
Bill Payment	Airtime Top-up	1	100	Free	N/A
	PostPaid	N/A	N/A	Free	N/A
	GoTV (Agent)	1 and Above		GHS 1	N/A
	GoTV (Subscriber)	1 and Above		GHS 0.50	N/A
	DSTV (Subscriber)	N/A	N/A	Free	N/A
	DSTV(Agent)	N/A	N/A	Free	N/A
	ECG (Subscriber)	N/A	N/A	GHS0.5	N/A
	ECG (Agent)	N/A	N/A	GHS0.5	N/A
	Ghana Water (Agent)	N/A	N/A	Free	N/A
	Ghana Water (Subscriber)	N/A	N/A	Free	N/A
	Box Office	N/A	N/A	Free	N/A
	Startimes	N/A	N/A	Free	N/A
	School Fees (Agent)	N/A	N/A	GHS2	*N/A
	School Fees (Subscriber)	N/A	N/A	GHS2	*N/A
Agent	Money Transfer (C2C)	1	50	GHS2.5	N/A
		Above 50	1000	5%
		Above 1000		GHS50
	Cash In	1	N/A	Free	N/A
	Cash Out	1	50	GHS 0.5	N/A
		More than 50	N/A	1%
		More than 1000	N/A	GHS10
Bank Integration	Transfer to Bank (Subscriber & Agent)	N/A	N/A	Free	N/A
	Transfer to Bank (Merchant)	1	1000	1%
	Transfer to Bank (Merchant)	Above 1000	N/A	GHS10
	Transfer from Bank	N/A	N/A	Free
Account Mgt.	Balance Enquiry	N/A	N/A	Free	N/A
	*Mini Statement	N/A	N/A	GHS0.01
	Statement Request	N/A	N/A	GHS0.50
ATM	ATM Token	5	50	GHS0.50	N/A
ATM	ATM Token	Above 50	400	1%	N/A