MTN Mobile Money charges for Money Transfer, Withdrawal, Bill Payment & more.

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Since the introduction of MTN Mobile Money, some customers and vendors/agents have been involved in a squabble over charges on MoMo transactions because several MoMo users are ignorant on such issues.

However, we advise each customer to know the specific MTN mobile money Tariffs they are expected to pay in order to gain an upper hand when using these services.

With MTN money, you can send and receive money, top-up MTN airtime, pay bills (DStv, ECG Postpaid, MTN Postpaid, School fees and more), buy & pay for insurance, pay employee salaries, pay for airline tickets and other goods and services.

In this article, we will educate MTN Momo customers to understand the charges involved in the transactions and their MoMo Transaction Limits.

Below are the Charges for Mobile Money Transactions, Airtime Top-Up, Bill Payment, Money Withdrawal and more.

Fees for MTN MoMo Transactions

Transaction PointServicesMinimum Value GHCMaximum Value GHSMoMo ChargeTax Charge
Subscriber*Money Transfer (P2P)150GHS0.381.50%
Above 5010000.75%
Above 1000N/AGHS7.50
Money Transfer ( to Merchant MSISDN)150GHS0.50*N/A
Above 5010001%
Above 1000N/AGHS10
MoMo Pay (Merchant ID & QR)110000.5%*N/A
Above 1000N/AGHS5
Money Transfer (A2C)150GHS1.5N/A
Above 5010003%
Above 1000N/AGHS30
Transfer to Other networks150GHS0.381.50%
Above 5010000.75%
Above 1000N/AGHS7.50
MerchantMoney Transfer (Merchant to Agent)110001%N/A
Above 1000N/AGHS10
Money Transfer (Merchant to Subscriber)N/AN/AFreeN/A
Money Transfer(Merchant to MerchantN/AN/AFreeN/A
Bill PaymentAirtime Top-up1100FreeN/A
GoTV (Agent)1 and AboveGHS 1N/A
GoTV (Subscriber)1 and AboveGHS 0.50N/A
DSTV (Subscriber)N/AN/AFreeN/A
ECG (Subscriber)N/AN/AGHS0.5N/A
ECG (Agent)N/AN/AGHS0.5N/A
Ghana Water (Agent)N/AN/AFreeN/A
Ghana Water (Subscriber)N/AN/AFreeN/A
Box OfficeN/AN/AFreeN/A
School Fees (Agent)N/AN/AGHS2*N/A
School Fees (Subscriber)N/AN/AGHS2*N/A
AgentMoney Transfer (C2C)150GHS2.5N/A
Above 5010005%
Above 1000GHS50
Cash In1N/AFreeN/A
Cash Out150GHS 0.5N/A
More than 50N/A1%
More than 1000N/AGHS10
Bank IntegrationTransfer to Bank (Subscriber & Agent)N/AN/AFreeN/A
Transfer to Bank (Merchant)110001%
Above 1000N/AGHS10
Transfer from BankN/AN/AFree
Account Mgt.Balance EnquiryN/AN/AFreeN/A
*Mini StatementN/AN/AGHS0.01
Statement RequestN/AN/AGHS0.50
ATMATM Token550GHS0.50N/A
Above 504001%N/A


How to Check your MTN Mobile Money Limit

On MTN, Customers with a limit of GHS300 can transact with an amount of GHS1, 000, whereas limits of GHS2,000 and GHS5000 can transact with values of GHS5,000 and GHS10, 000 respectively. Also, Customers with limits of GHS1, 000, GHS 10,000 and GHS 20,000 can continue to transact in values of GHS2, 000, GHS15, 000 and GHS 30,000 respectively.

To Check your MoMo Limit, kindly follow the procedure below;

  1. Dial *170# and Send
  2. Select 6 to access your Wallet
  3. Dial # for Next Page
  4. Select 8 for Wallet Limits
  5. Enter Pin and Send
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