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MTN Ghana short codes, Bundle Offers, Mobile Money 2024

MTN short codes
MTN Ghana

Here is a complete guide to MTN Ghana services, data packages, short codes, MTN , Momo loans, Turbonet.

We have added invaluable how-to guides like how to check your MTN number, MTN mashup code, MTN free after 1 code, MTN zone bundle, and more.

MTN bundle offers

MTN Ghana offers a variety of bundle offers for its customers. These bundles can be used for data, voice, and SMS.

Here are some of the most popular MTN bundle offers:

  • Voice bundles: MTN offers a variety of voice bundles, starting at 10 minutes for GH¢0.10. These bundles can be used to make calls to any network in Ghana.
  • SMS bundles: MTN offers a variety of SMS bundles, starting at 10 messages for GH¢0.05. These bundles can be used to send SMS messages to any network in Ghana.
  • Data bundles: MTN offers a variety of data bundles, starting at 20MB for GH¢0.20. These bundles can be used to browse the internet, stream music and videos, and use .

To purchase a bundle, you can dial *170# and follow the prompts. You can also purchase bundles through the MTN Mobile Money app. Here are some additional tips for purchasing MTN bundles:

  • Check the expiry date of the bundle. Bundles expire after a certain period of time, so make sure you check the expiry date before you purchase a bundle.
  • Consider your needs. When purchasing a bundle, consider your needs. If you need a lot of data, you may want to purchase a data bundle. If you need to make a lot of calls, you may want to purchase a voice bundle. If you need to send a lot of SMS messages, you may want to purchase an SMS bundle.
  • Take advantage of discounts. MTN often offers discounts on bundles. You can find out about these discounts by checking the MTN website or by following MTN on social media.

MTN data packages

Here are some of the MTN data packages available in Ghana:

  • Daily Data: These bundles offer a limited amount of data for 24 hours. They are perfect for light internet users who only need to browse the web or check their email for a short period.
  • Weekly Data: These bundles offer a larger amount of data for a seven-day period. They are perfect for moderate internet users who need to browse the web, check their email, and stream music or videos for a few hours each day.
  • Monthly Data: These bundles offer the largest amount of data for 30 days. They are perfect for heavy internet users who need to stream music or videos, play games, and download large files regularly.

To purchase a data bundle, you can dial *170# and follow the prompts. You can also purchase bundles through the MTN Mobile Money app.

MTN mashup code


The MTN mashup code is *567#. You can use this code to subscribe to daily, weekly, or monthly mashup bundles. Mashup bundles are a great way to save money on your mobile phone bill. They offer a combination of data, calls, and SMS at a discounted price.

To subscribe to a mashup bundle, simply dial *567# and follow the prompts. You will be able to choose from a variety of bundles, depending on your needs. Once you have subscribed to a bundle, you will be able to use the data, calls, and SMS included in the bundle for the duration of the bundle.

Here are some of the benefits of using MTN mashup bundles:

  • You can save money on your mobile phone bill.
  • You can get a combination of data, calls, and SMS at a discounted price.
  • You can choose from a variety of bundles, depending on your needs.
  • The bundles are easy to subscribe to.

They offer a combination of data, calls, and SMS at a discounted price. You can choose from a variety of bundles, depending on your needs. The bundles are easy to subscribe to.

MTN Mashup is a bundled offer that includes voice minutes, data, and SMS. It is designed for customers who want to save money by combining their communication needs into one package.

MTN Mashup bundle packages

The MTN Mashup packages are available in four different sizes and they can be used for all networks plus free , WhatsApp, Instagram, Twitter, Facebook and WeChat.

Mashup bundleData & Airtime
GH¢1 Mashup43.67Mb
21.83Mb & 11.02 Minutes Airtime
26.20Mb & 8.82 Minutes Airtime
30.57Mb & 6.60 Minutes Airtime
30.57Mb & 6.60 Minutes Airtime
GH¢5 Mashup246.43Mb
123.21Mb & 58.68 Minutes Airtime
147.86Mb & 46.95 Minutes Airtime
172.50Mb & 35.22 Minutes Airtime
GH¢10 Mashup517.06Mb
258.53Mb & 122.25 Minutes Airtime
310.24Mb &97.80 Minutes Airtime
361.94Mb & 73.35 Minutes Airtime
GH¢30 Mashup2.63Gb
Flexi GH¢0.07 – 29.99
MTN Mashup bundle packages

To subscribe to an MTN Mashup package, you can dial *170# and follow the prompts. You can also subscribe to a Mashup package through the MTN Mobile Money app.

Here are some of the drawbacks of using MTN mashup bundles:

  • The bundles are not available in all areas.
  • The bundles may not be the best option for everyone.
  • The bundles may be discontinued at any time.

MTN Free After 1 code

The MTN Free After 1 code is *550#. You can use this code to subscribe to the MTN Free After 1 tariff plan.

The MTN Free After 1 tariff plan allows you to pay for only the first minute of each call, and you will get 10 free minutes to all local networks after the first minute.

Additionally, you will receive data capped at 70mb daily.

To subscribe to the MTN Free After 1 tariff plan, simply dial *550# and follow the prompts. You will be able to choose from a variety of plans, depending on your needs.

Once you have subscribed to a plan, you will be able to use the minutes and data included in the plan for the duration of the plan.

Here are some of the benefits of using the MTN Free After 1 tariff plan:

  • You can save money on your mobile phone bill.
  • You can make more calls without having to worry about running out of minutes.
  • You can get data for free.
  • The plan is easy to subscribe to.

If you are looking for a way to save money on your mobile phone bill and make more calls, the MTN Free After 1 tariff plan is a great option. It is easy to subscribe to and offers a variety of plans to choose from.

Here are some of the drawbacks of using the MTN Free After 1 tariff plan:

  • The plan is not available in all areas.
  • The plan may not be the best option for everyone.
  • The plan may be discontinued at any time.

MTN Zone Bundle

The MTN Zone Bundle is a data bundle that is offered by MTN Ghana. It is a one-day validity bundle that is available at discounted prices. The Zone Bundle is available in a variety of sizes, from 1GB to 5GB.

To subscribe to the Zone Bundle, simply dial *135# and select the “Data Zone Bundles” option. You will then be able to choose from a variety of bundles, depending on your needs. Once you have chosen a bundle, you will be able to use the data included in the bundle for the duration of the day.

Here are some of the benefits of using the MTN Zone Bundle:

  • You can save money on your mobile data bill.
  • You can get a large amount of data for a low price.
  • The bundle is easy to subscribe to.

If you are looking for a way to save money on your mobile data bill, the MTN Zone Bundle is a great option. It is easy to subscribe to and offers a variety of bundles to choose from.

Here are some of the drawbacks of using the MTN Zone Bundle:

  • The bundle is not available in all areas.
  • The bundle may not be the best option for everyone.
  • The bundle may be discontinued at any time.

Here are some of the current MTN Zone Bundle prices:

  • 1GB for GH¢1.50
  • 2GB for GH¢2.50
  • 3GB for GH¢3.50
  • 4GB for GH¢4.50
  • 5GB for GH¢5.50

Please be mindful that these prices are subject to change without notice.

How to check your MTN number

There are a few ways to check your MTN number.

  • USSD: Dial *156# from your MTN phone. This will bring up a menu with a variety of options, including your phone number.
  • SIM card: Your MTN SIM card has your phone number printed on it. Check the back of the SIM card to find your number.
  • Customer service: You can also call MTN customer service at 100 and ask them to tell you your phone number.

Here are the steps on how to check your MTN number using USSD:

  1. Dial *156# from your MTN phone.
  2. Select the option for “My Number”.
  3. Your MTN number will be displayed on the screen.

Here are the steps on how to check your MTN number using the SIM card:

  1. Look for the SIM card in your phone.
  2. Find the number printed on the back of the SIM card.
  3. This is your MTN number.

Here are the steps on how to check your MTN number using customer service:

  1. Call MTN customer service at 100.
  2. Explain that you need to know your phone number.
  3. The customer service representative will provide you with your phone number.

How to transfer airtime from MTN to MTN

There are a few ways to transfer airtime from MTN to MTN.

Using USSD

  1. Dial 321Recipient's NumberAmount PIN# on your phone.
  2. For example, dial 3210803123456715001234#.
  3. Press send.
  4. You will receive a message confirming the transfer.

Using SMS

  1. Send an SMS with the following format to 321:
Transfer   

For example, send an SMS with the following text to 321:

Transfer 08031234567 1500 1234
  1. You will receive a message confirming the transfer.

Using the MTN app

  1. Open the MTN app on your phone.
  2. Tap on the “Airtime” tab.
  3. Tap on “Transfer Airtime”.
  4. Enter the recipient's phone number.
  5. Enter the amount of airtime you want to transfer.
  6. Enter your MTN PIN.
  7. Tap on “Transfer”.
  8. You will receive a message confirming the transfer.

Please note that there is a small fee charged for transferring airtime from MTN to MTN. The fee may vary depending on your location.

How to borrow credit on MTN

To borrow credit on MTN, you can use the XtraTime service. XtraTime is a service that allows you to borrow airtime from MTN when you run out of credit. To borrow airtime using XtraTime, follow these steps:

  1. Dial *606# on your MTN phone.
  2. Select the “XtraTime” option.
  3. Select the amount of airtime you want to borrow.
  4. Enter your MTN PIN.
  5. Confirm the transaction.

You will receive the borrowed airtime on your phone immediately. You will need to repay the borrowed airtime within 30 days. You can repay the borrowed airtime by:

  • Recharging your phone with airtime.
  • Buying data bundles.
  • Making a call.
  • Sending an SMS.

If you do not repay the borrowed airtime within 30 days, you will be charged a penalty. The penalty amount may vary depending on your location.

Here are some of the benefits of using XtraTime:

  • It is a quick and easy way to get airtime when you run out of credit.
  • You can borrow airtime in small amounts, which is helpful if you only need a little bit of credit to make a call or send an SMS.
  • You do not need to have a credit card or bank account to use XtraTime.

Here are some of the drawbacks of using XtraTime:

  • You will need to repay the borrowed airtime within 30 days.
  • If you do not repay the borrowed airtime within 30 days, you will be charged a penalty.
  • The amount of airtime you can borrow is limited.

MTN Nkomode code

The MTN Nkomode code is *315#. You can use this code to subscribe to the MTN Nkomode tariff plan.

The MTN Nkomode tariff plan allows you to pay for only the first minute of each call, and you will get 10 free minutes to all local networks after the first minute. Additionally, you will receive data capped at 50mb daily.

To subscribe to the MTN Nkomode tariff plan, simply dial *315# and follow the prompts. You will be able to choose from a variety of plans, depending on your needs.

Once you have subscribed to a plan, you will be able to use the minutes and data included in the plan for the duration of the plan.

Here are some of the benefits of using the MTN Nkomode tariff plan:

  • You can save money on your mobile phone bill.
  • You can make more calls without having to worry about running out of minutes.
  • You can get data for free.
  • The plan is easy to subscribe to.

If you are looking for a way to save money on your mobile phone bill and make more calls, the MTN Nkomode tariff plan is a great option. It is easy to subscribe to and offers a variety of plans to choose from.

Here are some of the drawbacks of using the MTN Nkomode tariff plan:

  • The plan is not available in all areas.
  • The plan may not be the best option for everyone.
  • The plan may be discontinued at any time.

Overall, the MTN Nkomode tariff plan is a great way to save money on your mobile phone bill. However, it is important to consider the drawbacks before subscribing to the plan.

Here are some of the current MTN Nkomode prices:

  • Daily: GH¢1.50
  • Weekly: GH¢5.00
  • Monthly: GH¢15.00

These prices are subject to change without notice.

List of all MTN short codes

MTN Short codes MTN mashup codes

Here is a list of handy MTN Ghana shortcodes. The table below has all MTN shortcodes, including how to check your MTN number, MTN mashup code, MTN free after 1 code, MTN zone bundle, and more.


Description
MTN Code
MTN mashup code*567#
Transfer MTN airtime to another MTN number*198#
Recharge airtime*134PIN#
Activate MTN Zone Snapi Bundle*135*55*1#
MTN Turbonet code*5057# 
Activate MTN Free After 1 (Nkomode)*550# (option 6)
Activate free calls for a six-month offer*550# (for new subscribers)
Receive accurate weather forecasts at 8 GP/ SMS*455#
Check your credit balance*124#
Check Blackberry plans*140#
Activate free calls for 6-month offer100
Divert calls when busy*6702XXXXXXXX*11#
Divert calls when there is no answer*6102XXXXXXXX*11#
Divert calls when unreachable*6202XXXXXXXX*11#
Activate Caller Tunez1355
Check your mobile number*156#
Deactivate diversion of calls##21#
Divert all calls*2102XXXXXXXX*11#
Generate Mobile Money ATM token*511#
Receive cool jokes*300*20#
Get Silverbird movie scheduleMovies to 1412
IDD package*138*3#
View internet bundles/SMS bundles*138#
Purchase internet bundles from 300 MB-10 GB*138*1*1#
Purchase internet social bundles*138*1*5#
Purchase unlimited internet bundles*138*1*4#
Purchase weekly internet bundles from 25 MB-500 MB*138*1*2#
MTN Farm Direct (receive great  tips)30037
MTN Jara*5055#
MTN Mashup Balance*5674#
MTN mobile money access code and portal*170#
MTN Pay For Me (Dial 154 followed by number to make the recipient pay)154[0244000000]
MTN Pulse*567#
MTN Radio1303
Number portability to other networksPORT to 600
Please call me service (send a message to 024xxxxxxx 1 to 1399)024xxxxxxx 1 to 1399
Report Mobile Money fraud (send a text with merchant's name and date of incident to 1515)1515
Report Simbox fraud02xxxxxxxx Simbox to 419
Request internet settings*585#
Reserve your number for two years*1390#
Share credit with friends and family*198#
Supersaver bundles*138*4#
Borrow credit*506#
Check 4G device compatibility*585#
Exempt/include yourself from mobile money interest payments to your account*595#
Know if your number is registered*400#
Recharge airtime for someone144number to recharge for*voucher number#
Voicemail receiving109
Voicemail sending108
WeChat monthly data bundle*1552#
 bundle*138*16#
Register MTN Me2U Credit with family and friends
Unsubscribe from Caller TunezSend STOP to 1355
Handy MTN Ghana short codes 2023

MTN TurboNet

MTN TurboNet is a wireless broadband device that provides high-speed internet access for homes and offices. It is powered by MTN's 4G network and offers speeds of up to 100Mbps. TurboNet is easy to set up and use, and it comes with a variety of features, including:

  • A built-in WiFi router
  • A long-range antenna
  • A power adapter
  • A user manual

To purchase an MTN TurboNet, you can visit any MTN Ghana service centre. The device costs GHS 499. Once you have purchased the device, you will need to activate it by calling MTN customer care on 100.

To use MTN TurboNet, you will need to connect it to your computer or other device using a WiFi network. Once you are connected, you will be able to access the internet at high speeds.

Here are some of the benefits of using MTN TurboNet:

  • Fast speeds: MTN TurboNet offers speeds of up to 100Mbps, which is much faster than traditional dial-up or DSL connections.
  • Easy to set up: MTN TurboNet is easy to set up and use. Simply connect it to your computer or other device using a WiFi network and you are ready to go.
  • Affordable: MTN TurboNet is an affordable option for high-speed internet access. The device costs GH¢499 and there are no monthly subscription fees.

If you are looking for a fast, easy, and affordable way to get high-speed internet access, then MTN TurboNet is a great option.

Here are some of the downsides of using MTN TurboNet:

  • Coverage: MTN TurboNet is not available in all areas. You can check MTN's website to see if TurboNet is available in your area.
  • Data caps: MTN TurboNet has data caps. This means that you will only be able to use a certain amount of data each month before you are charged for additional data. The data caps vary depending on the plan you choose.
  • Customer service: MTN's customer service is not always the best. If you have any problems with your TurboNet device, you may have to report to an MTN customer centre or wait a long time to speak to a customer service representative.

MTN TurboNet data cap

MTN TurboNet data cap is the maximum amount of data that you can use each month on your MTN TurboNet device. Once you reach your data cap, your internet speed will be slowed down until the next month. MTN offers a variety of data plans for TurboNet, with different data caps and prices. The most popular plan is the 100GB plan, which costs GH¢150 per month. If you exceed your data cap, you will be charged an overage fee of GH¢0.50 per MB.

Here are some tips for managing your data usage on MTN TurboNet:

  1. Track your data usage: You can track your data usage on MTN's website or by using the MTN TurboNet app. This will help you to stay within your data cap and avoid overage charges.
  2. Use Wi-Fi whenever possible: Wi-Fi is a great way to save data. If you are able to connect to a Wi-Fi network, you should do so instead of using your MTN TurboNet data.
  3. Be mindful of your data-heavy activities: Some activities, such as streaming video and downloading large files, use a lot of data. If you are trying to save data, you should avoid these activities or try to do them when you are connected to Wi-Fi.

Our conclusion is that the MTN TurboNet is a great option for high-speed internet access. However, it is important to be aware of the coverage, data caps, and customer service before you purchase the device.

MTN Mobile Money

MTN Mobile Money is a popular mobile money service provided by MTN Ghana, offering a range of convenient and secure through mobile phones. Here are the benefits and features of MTN Mobile Money:

Benefits of MTN Mobile Money:

  1. Convenience: With MTN Mobile Money, you can perform various financial transactions, including money transfers, bill payments, and purchases, directly from your mobile phone. This eliminates the need to visit a bank or ATM.
  2. Security: Your funds are protected by a personal identification number (PIN), ensuring secure transactions. Additionally, you can set daily transaction limits to further enhance the security of your account.
  3. Affordability: MTN Mobile Money is a cost-effective option as there are no monthly fees. You only pay for the specific services you use.

MTN Mobile Money offers a range of convenient financial services that empower users to manage their finances easily. Here are the key features available on MTN Mobile Money:

  1. Send and Receive Money: Seamlessly transfer money to other MTN Mobile Money users or receive funds from them. This enables quick and secure peer-to-peer transactions.
  2. Bill Payments: Easily settle your bills using MTN Mobile Money. Whether it's paying your MTN bill, electricity bill, water bill, or other utility bills, you can conveniently make payments from your mobile phone.
  3. Make Purchases: Enjoy the convenience of making purchases at various participating merchants using your MTN Mobile Money account. From groceries to retail shopping, you can use your mobile wallet for hassle-free transactions.
  4. Cash Withdrawals: Access your funds by withdrawing cash from any authorized MTN Mobile Money agent. This extensive agent network ensures easy access to your money whenever you need it.
  5. Bank Transfers: Transfer funds from your MTN Mobile Money account directly to a bank account. This feature provides flexibility for individuals to manage their finances and perform transactions across different platforms.
  6. Financial Management: MTN Mobile Money equips users with useful tools to manage their finances effectively. You can check your account balance, review transaction history, and monitor your financial activities conveniently from your mobile device.

Additionally, MTN Mobile Money offers a range of other financial services to cater to diverse user needs:

  • Airtime Top-Up: Recharge your MTN airtime using your Mobile Money account.
  • Data Bundles: Purchase data bundles and enjoy internet connectivity using your Mobile Money account.
  • Loans: Apply for loans through MTN Mobile Money, providing access to financial assistance when needed.
  • Investments: Explore investment opportunities such as stocks, bonds, and other financial products using your Mobile Money account.
  • Insurance: Purchase insurance policies, ensuring protection and coverage for yourself and your assets.

To sign up for MTN Mobile Money, follow these steps:

  1. Visit an MTN Ghana service centre or download the MTN Mobile Money app.
  2. Provide a valid national ID card or passport for identity verification.
  3. Pay a registration fee of GH¢1 to set up your account.
  4. Choose a PIN that will serve as the security code for your account.
  5. Activate your account by sending a text message with the word “ACTIVATE” to 100.

Once you have signed up, you can access MTN Mobile Money by dialling 170# on your mobile phone or by downloading the MTN Mobile Money app from the Google Play Store or Apple App Store.

Additional Tips for Using MTN Mobile Money:

  1. Keep your PIN secure and confidential. Do not share it with anyone.
  2. Set daily transaction limits to control the amount of money that can be transacted from your account.
  3. Double-check recipient details when making payments to ensure accuracy.
  4. Report any suspicious activity or unauthorized transactions to MTN immediately.

By following these guidelines, you can make the most of MTN Mobile Money's convenient, secure, and affordable services for managing your finances.

How to reverse MTN mobile money transaction

Have you made a mistaken MTN Mobile Money transaction? There are two ways to reverse an MTN Mobile Money transaction:

  1. Self-Initiated Reversal: This is a new feature that allows you to reverse a transaction that you have sent wrongly. To do this, dial 1658# and follow the prompts. You will need to enter the amount of the transaction, the date and time of the transaction, and the recipient's MTN Mobile Money number.
  2. Customer Care Reversal: If you are unable to self-initiate a reversal, you can contact MTN Customer Care and request a reversal. To do this, dial 100 and speak to a customer care representative. You will need to provide the details of the transaction, such as the amount, date, and time of the transaction, and the recipient's MTN Mobile Money number.

Please note that there are some restrictions on reversals. For example, you cannot reverse a transaction that has already been cashed out. You also cannot reverse a transaction that is more than 24 hours old.

Here are some additional tips for reversing an MTN Mobile Money transaction:

  • Act quickly. The sooner you request a reversal, the more likely it is that it will be successful.
  • Be accurate. When providing the details of the transaction, make sure that you are accurate. Any errors could delay or prevent the reversal.
  • Be patient. Reversals can take some time to process. Be patient and do not contact MTN Customer Care multiple times about the same transaction.

Mobile Money Loans: How to borrow money from MTN

MTN Ghana offers a mobile money loan service called Qwikloan.

Qwikloan

To borrow money using Qwikloan, you will need to:

  1. Be an MTN Ghana customer.
  2. Have a registered MTN Mobile Money wallet.
  3. Have a good credit history.
  4. Meet the minimum loan amount requirement.

To apply for a Qwikloan, you can:

  1. *Dial 170# and follow the prompts.
  2. Download the MTN Mobile Money app and apply for a loan through the app.

Once you have applied for a Qwikloan, MTN Ghana will assess your application and approve or decline your loan request. If your loan request is approved, the money will be credited to your MTN Mobile Money wallet.

The interest rate on Qwikloans is 15% per month. The repayment period is 30 days. You can repay your Qwikloan by:

  1. Making a payment through your MTN Mobile Money wallet.
  2. Making a payment at any MTN Ghana agent.

If you fail to repay your Qwikloan on time, you will be charged a late payment fee of 5% of the outstanding loan amount. You may also be blacklisted by MTN Ghana and prevented from using Qwikloan in the future.

XpressLoan

XpressLoan is an instant mobile loan service offered by MTN Ghana. It allows customers to borrow money from their MTN Mobile Money wallet without the need for collateral or a credit check.

To qualify for XpressLoan, customers must:

  • Be an MTN Ghana customer with a registered Mobile Money wallet.
  • Have a valid national ID card or passport.
  • Have a good credit history.

To borrow money using XpressLoan, customers can:

  • Dial *170# and follow the prompts.
  • Download the MTN Mobile Money app and apply for a loan through the app.

Once a customer has applied for an XpressLoan, MTN Ghana will assess their application and approve or decline their loan request. If the loan request is approved, the money will be credited to the customer's MTN Mobile Money wallet.

The interest rate on XpressLoans is 12.5% per month. The repayment period is 30 days. Customers can repay their XpressLoans by:

  • Making a payment through their MTN Mobile Money wallet.
  • Making a payment at any MTN Ghana agent.

If a customer fails to repay their XpressLoan on time, they will be charged a late payment fee of 5% of the outstanding loan amount. They may also be blacklisted by MTN Ghana and prevented from using XpressLoan in the future.

AhomkaLoan

AhomkaLoan is a microfinance loan service offered by MTN Ghana. It is targeted at low-income earners who do not have access to traditional banking services.

To qualify for AhomkaLoan, customers must:

  • Be an MTN Ghana customer with a registered Mobile Money wallet.
  • Have a valid national ID card or passport.
  • Have a monthly income of at least GH¢500.

To borrow money using AhomkaLoan, customers can:

  • Dial *170# and follow the prompts.
  • Download the MTN Mobile Money app and apply for a loan through the app.

Once a customer has applied for an AhomkaLoan, MTN Ghana will assess their application and approve or decline their loan request. If the loan request is approved, the money will be credited to the customer's MTN Mobile Money wallet.

The interest rate on AhomkaLoans is 6.9% per month. The repayment period is 30 days. Customers can repay their AhomkaLoans by:

  • Making a payment through their MTN Mobile Money wallet.
  • Making a payment at any MTN Ghana agent.

If a customer fails to repay their AhomkaLoan on time, they will be charged a late payment fee of 5% of the outstanding loan amount. They may also be blacklisted by MTN Ghana and prevented from using AhomkaLoan in the future.

MoMo Advance

MTN Mobile Money MoMo Advance is a short-term loan facility that allows MTN Mobile Money customers to borrow money to complete transactions when they do not have enough balance in their wallet. The loan is repaid automatically when the customer's wallet is topped up.

To qualify for a MoMo Advance, customers must:

  • Be an MTN Mobile Money customer with a registered wallet.
  • Have a good credit history.

To borrow money using MoMo Advance, customers can:

  • Dial *170# and follow the prompts.
  • Download the MTN Mobile Money app and apply for a loan through the app.

Once a customer has applied for a MoMo Advance, MTN Ghana will assess their application and approve or decline their loan request. If the loan request is approved, the money will be credited to the customer's MTN Mobile Money wallet.

The maximum amount that can be borrowed through MoMo Advance is GH¢500. The interest rate on MoMo Advance is 12% per month. The repayment period is 30 days. Customers can repay their MoMo Advance by:

  • Making a payment through their MTN Mobile Money wallet.
  • Making a payment at any MTN Ghana agent.

If a customer fails to repay their MoMo Advance on time, they will be charged a late payment fee of 5% of the outstanding loan amount. They may also be blacklisted by MTN Ghana and prevented from using MoMo Advance in the future.

Here are some additional tips for using MTN loan services;

  • Only borrow what you need. Do not borrow more than you can afford to repay.
  • Make sure you can afford the repayments. The repayments on any of these Mobile Money loan services can be high, so make sure you can afford them before you borrow money.
  • Repay your loan on time. Repaying your loan on time will help you avoid late payment fees and keep your credit history good.

If you are struggling to repay your Mobile Money loan, you can contact MTN Ghana customer care for assistance.

How much can I borrow on MTN loans

MTN MoMo loans come with specific borrowing limits tailored to different loan types and the customer's credit history. These limits ensure responsible lending practices. Here are the maximum borrowing amounts for each loan type:

  1. MoMo Advance: Customers can borrow up to GH¢500 through MoMo Advance, providing a quick and accessible loan option for immediate financial needs.
  2. AhomkaLoan: AhomkaLoan allows customers to borrow a maximum amount of GH¢2,000, offering a higher borrowing limit for individuals requiring a larger loan amount.
  3. XpressLoan: XpressLoan provides customers with the opportunity to borrow up to GH¢5,000, catering to those seeking a more substantial loan to address their financial requirements.
  4. Qwikloan: Qwikloan offers the highest borrowing limit among the MTN MoMo loan options, allowing customers to borrow up to GH¢10,000 for significant financial commitments.

Customers with a good credit history may be able to borrow more than the maximum amount. However, customers with a poor credit history may be limited to a lower amount or may not be approved for a loan at all.

Which is better? MoMo Advance, AhomkaLoan, XpressLoan, or Qwikloan?

Here is a table that compares MoMo Advance with AhomkaLoan, XpressLoan, and Qwikloan. You can see that the main difference lies in the interest rates

FeatureMoMo AdvanceAhomkaLoanXpressLoanQwikLoan
Interest rate12% per month6.9% per month12.5% per month15% per month
Repayment period30 days30 days30 days30 days
Late payment fee5% of the outstanding loan amount5% of the outstanding loan amount5% of the outstanding loan amount5% of the outstanding loan amount
BlacklistingYesYesYesYes
Loan limitsGH¢500GH¢2,000GH¢5,000GH¢10,000
Customer supportMTN Ghana customer careMTN Ghana customer careMTN Ghana customer careMTN Ghana customer care
Comparing MoMo Advance, AhomkaLoan, XpressLoan, and Qwikloan

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