Imagine you need cash urgently, but there’s no MoMo agent in sight. You start stressing out, wondering where to find one. What if I told you there’s an easier way? You can withdraw your MTN Mobile Money (MoMo) straight from an ATM—no bank card needed! Sounds great, right? This guide will walk you through the entire process step by step, making sure you understand everything like a pro.

What is MTN MoMo ATM Withdrawal?

MTN Mobile Money ATM withdrawal is a feature that lets you withdraw cash from your MoMo wallet at select ATMs without needing a physical bank card. Instead, you generate a special code on your phone, use it at the ATM, and voila! Your money is in your hands.

What You’ll Need

Before heading to the ATM, make sure you have the following:

• A registered MTN MoMo account with enough balance.
• A mobile phone to generate the withdrawal code.
• A supported ATM from an MTN partner bank (we’ll list them later).

Step-by-Step Guide to Withdrawing MTN MoMo at an ATM

This process happens in two parts: first, you generate a withdrawal code on your phone, then you complete the transaction at an ATM. Let’s go through both parts in detail.

Part 1: Generating the Withdrawal Token on Your Phone

Follow these steps to start the withdrawal process:

1. Dial *170# on your MTN line.
2. Select option 5 for Financial Services.
3. Choose Bank Services from the menu.
4. Select ATM CashOut.
5. Tap on Generate Token.
6. Enter any four-digit secret code of your choice (you’ll use this later at the ATM, so note it down!).
7. Enter the amount you want to withdraw.
8. Wait for a prompt to enter your MoMo PIN to confirm the transaction.
9. You will receive a nine-digit token via SMS.

Quick Fix: Didn’t receive a prompt to enter your MoMo PIN? No worries! Simply dial *170# again, select My Wallet (option 6), go to My Approvals, and approve the pending transaction.

Part 2: Completing the Withdrawal at the ATM

Once you have your token, it’s time to get your cash! Follow these steps at the ATM:

1. Select Cardless Services or Mobile Money Services on the ATM screen.
2. Choose MTN Mobile Money.
3. Enter the nine-digit token you received via SMS.
4. Enter the four-digit secret code you created earlier.
5. Input the exact amount you selected on your phone.
6. The ATM will process your request and dispense your cash!

Tip: If you can’t find the MoMo option on the ATM, ask a bank staff or security guard for guidance.

MTN MoMo ATM Withdrawal Charges

MTN MoMo ATM withdrawals come with charges similar to agent withdrawals. Here’s a general breakdown:

Charges may vary slightly based on MTN’s current rates.

Which Banks Support MTN MoMo ATM Withdrawals?

Not every bank allows MoMo ATM withdrawals, so make sure you visit a supported ATM. Here’s a list of banks in Ghana where you can withdraw MTN MoMo:

• Ecobank
• ABSA
• Zenith Bank
• UBA
• Access Bank
• ADB
• Bank of Africa
• GT Bank
• CBG
• Fidelity Bank
• FBN
• GCB
• First Atlantic Bank
• Republic Bank
• UMB
• CAL Bank
• Prudential Bank
• FNB
• OmniBSIC
• Stanbic Bank

If you’re unsure whether an ATM supports MoMo withdrawals, look for the MTN Mobile Money option on the screen before proceeding.

FAQs

1. Do I need a bank account to withdraw MTN MoMo at an ATM?

Nope! You don’t need a bank account. As long as you have an MTN MoMo wallet, you can withdraw cash from a supported ATM.

2. What happens if I enter the wrong token or secret code?

If you enter the wrong token or secret code too many times, the transaction may be blocked for security reasons. If this happens, generate a new token and try again.

3. Is there a minimum and maximum withdrawal amount?

Yes. The minimum amount you can withdraw is GHS 5, and the maximum is GHS 400 per transaction.

4. What if my transaction fails but my money is deducted?

If your money is deducted but the ATM doesn’t dispense cash, contact MTN Customer Care at 100 or visit the nearest MTN office to report the issue.

MTN MoMo ATM withdrawals are a lifesaver when you need cash but can’t find an agent. The process is simple: generate a token on your phone, head to a supported ATM, enter the details, and grab your cash. Easy, right?

So, next time you’re in a hurry and need cash, remember this guide—you’ve got the know-how to withdraw MTN MoMo like a pro!