MoMo fraud in Ghana: how to report it, and the scams that target punters

1. On your MTN line, dial *170# and pick option 6, My Wallet.
2. Choose option 4, Report Fraud.
3. Select the type of fraud: Wrong transfer, New Reversal process, Fake SMS, Fake Blocking or Fake promotions.
4. Follow the prompts to enter the details of what happened.
5. Alternatively, send an email to mmfraudteam.GH@mtn.com, or call the MTN call centre on 100.

Write down the caller's number and the time before you start, because the menu asks for details. MTN's own safety page gives one more check: its official number is 0244300000, so a call about your wallet from any other line deserves suspicion.

Telecel has no published fraud menu, so the report goes by phone. Its helpline is 100 from a Telecel line and 050 555 5111 from other networks; WhatsApp is 050 100 0300, and the X account is @asktelecelghana. AT Money has not published a fraud reporting code or email for its *110# service, so AT customer care is the only channel until it does.

The Cyber Security Authority runs a 292 call centre. Staff there take down the incident, guide the victim on next steps and may ask for screenshots before passing the case to the security agencies. Its official Alex Awere-Kyere put the timing plainly at a media training in August 2026: call before you click the button or send the money, not after. At a Chamber of Telecommunications outreach in Mankessim in September 2026, the police crime officer added the Cyber Crime Unit as the place for urgent redress once money has gone.

• The winnings call: someone claiming to be the bookmaker or MTN says a payout is pending. To release it they want your PIN, a code from an SMS, or a small fee. Real payouts need none of that.
• The fake agent on WhatsApp: a profile with the bookmaker's logo offers to fix a stuck deposit if you share your PIN or approve a prompt they send. A prompt is a request to take money out of your wallet, never to put money in.
• The fake promotion: an SMS or call says you won a bonus or a free bet draw and must confirm your wallet details. MTN lists fake promotions as a fraud type for a reason.
• The fake blocking: a caller says your wallet or betting account will be blocked unless you act now. Hang up and call 100 yourself.

The scale is not small. Godwin Tamakloe, MTN MoMo's Chief Regulatory, Risk and Compliance Officer, gave the figures in May 2025. About 23,000 users contact customer care each month about suspicious calls and attempted fraud, and 400 to 500 lose money each month. The Bank of Ghana's 2023 fraud report counted 14,655 electronic fraud incidents at payment service providers, up 20% on 2022. Losses came to GH₵16 million, and the report described the incidents as primarily social engineering.

Sylvia Owusu-Ankomah, who heads the Chamber of Telecommunications, gave the rule at Mankessim: treat your MoMo PIN with the same care as your bank PIN. No bookmaker on the register of betting sites in Ghana needs it. The deposit methods hub shows that every genuine deposit is approved on your own phone, never on a stranger's say-so.

1. Change the PIN at once. MTN's PIN reset is system-generated and arrives by SMS, and you can then set your own number.
2. Report through *170#, My Wallet, Report Fraud, or by email to mmfraudteam.GH@mtn.com, and call 100 so the wallet is flagged.
3. Log in to your betting account, change the password, and ask support to pause withdrawals to that number until the wallet is secure.
4. Call 292 with the caller's number, the time and any screenshots, and take the case to the police Cyber Crime Unit if money has already left.

• MTN Ghana Help Center: How do I report Mobile Money (MoMo) fraud?
• MTN Ghana Help Center: How do I keep my MoMo wallet safe?
• Ghana News Agency, 22 September 2026: Chamber of Telecommunications urges customers to guard MoMo PINs
• MyJoyOnline, 17 August 2026: CSA urges Ghanaians to report cyber threats
• Yen.com.gh, 2 May 2025: MTN executive warns Ghanaians to be careful with MoMo PINs
• Bank of Ghana: Banks, SDIs and PSPs 2023 Fraud Report