MoMo transaction limits Ghana: what your wallet can send, hold and receive

The maximum amount you can hold on MoMo depends on the tier your wallet was placed in when you registered or upgraded. A minimum wallet, the one most people get with a Ghana Card alone, can hold GH₵5,000 at any one time. A medium wallet can hold GH₵40,000 and an enhanced wallet GH₵75,000. Before March 2024 those caps were GH₵3,000, GH₵25,000 and GH₵50,000.

The balance cap counts everything in the wallet, whatever day it arrived. Keep GH₵4,000 in a minimum wallet and let a bookmaker try to send GH₵1,500: the transfer fails, because the wallet would end at GH₵5,500. Moving money out first, to a bank account or an agent, clears the space.

How much you can send and receive in a day is the second limit. The daily figures are GH₵3,000 for a minimum wallet, GH₵15,000 for medium and GH₵25,000 for enhanced. Ask your network how it counts a day’s transactions before a large cash-out.

The monthly cap matters only on the minimum tier, where it is GH₵10,000. The Chamber's release said there were no changes to the monthly limits for medium and enhanced accounts. MTN describes those two tiers by their daily limits and wallet sizes, with no monthly figure. A punter who deposits GH₵100 most days and withdraws a few times a month can reach GH₵10,000 before the month ends.

You cannot receive money on your MoMo when the incoming amount would breach either cap. The sender sees the failure, not you. That is why a bookmaker's cashier may show a withdrawal as failed or returned while your own wallet shows nothing at all. The money never left the operator, so there is nothing to reverse; the operator simply retries once there is room.

• Balance cap reached: your wallet plus the payout would exceed GH₵5,000, GH₵40,000 or GH₵75,000 for your tier.
• Daily cap used: deposits and withdrawals earlier in the day already total GH₵3,000, GH₵15,000 or GH₵25,000.
• Monthly cap used on a minimum wallet: GH₵10,000 of transactions since the first of the month.
• Wallet not fully registered: a line without a verified Ghana Card sits below even the minimum tier until the record is updated.

For a large win, split the withdrawal into amounts that fit your tier and spread them over days. Or raise the tier before you request the money. A list of betting sites in Ghana that pay to a wallet will not help with a cap; the limit sits on your side.

To check your MoMo limit on MTN, dial *170#, choose 6 for My Wallet, press # for the next page and choose 8 for Check Wallet Limits. After the PIN an SMS arrives with the daily, monthly and balance figures for your line and how much of each you have used. Telecel and AT customers can get the same figures from their own customer care lines.

1. Dial *170#, choose 6 for My Wallet, then 7 for Upgrade Profile Type.
2. Give a source of funds and a next of kin name and number, then confirm with your PIN. MTN says this moves a minimum wallet (GH₵3,000 a day) to medium (GH₵15,000 a day).
3. For the enhanced tier, use the MTN online request form with a picture of your Ghana Card plus a utility bill, bank statement or notarised tenancy agreement in your name.
4. Keep the ticket number; MTN says to follow up through its digital channels if the request is not completed within 24 hours.

MTN lists the documents by profile: Ghana Card for minimum, Ghana Card plus source of funds and next of kin for medium, and those plus proof of address for enhanced. The mobile money betting sites page explains how a payout reaches the wallet once the room is there.

• Graphic Online, 28 February 2024: See the new MoMo balance and transaction limits effective March 1
• MTN Ghana Help Center: How can I upgrade my MoMo wallet limit?
• MTN Ghana Help Center: How do I check my Mobile Money wallet limit?
• MTN Ghana Help Center: What are the KYC requirements for each limit profile?