MTN Mobile Money (MoMo) is one of the easiest ways to send, receive, and store money in Ghana. But did you know that your MoMo account has limits on how much you can transact daily or even hold in your account? Whether you use MoMo for small transactions or big business payments, knowing your limits can help you avoid surprises. In this guide, we’ll break it all down for you in simple, clear steps.

What Are MTN Mobile Money Limits?

Your MoMo limit determines the maximum amount of money you can send, receive, or keep in your wallet. MTN Ghana has three types of MoMo accounts, each with different limits:

What Determines Your Account Limit?

Your MoMo limit depends on the level of Know Your Customer (KYC) verification you’ve completed with MTN Ghana. Here’s how it works:

• Minimum Account – The most basic account type. You only need a Ghana Card to register.
• Medium Account – Requires extra details like your next of kin and the source of your funds.
• Enhanced Account – The highest level, requiring proof of address (such as a utility bill or bank statement) plus the Medium Account requirements.

If you’re not sure which type of account you have, don’t worry—you can check it in just a few seconds!

How to Check Your MTN MoMo Limit

Want to know your MoMo limit? Follow these easy steps on your phone:

1. Dial *170# on your MTN line.
2. Select “My Wallet” from the menu.
3. Scroll down and enter # for more options.
4. Choose “Check Wallet Limits” from the list.
5. Enter your MoMo PIN to confirm.
6. You’ll receive a message showing your MoMo account type and limits.

That’s it! Now you know exactly how much you can send, receive, or keep in your MoMo account.

How to Increase Your MTN MoMo Limit

If your current MoMo limit isn’t enough for your needs—maybe you run a business or frequently make large transactions—you can request an upgrade. Here’s how to do it:

Step-by-Step Guide to Upgrading Your MoMo Limit

1. Visit the MTN eRequest portal.
2. Enter your MTN phone number and click “Request OTP”.
3. Check your phone for the One-Time Password (OTP) and enter it on the portal.
4. Select “MoMo Profile Enhancement Form” from the options.
5. Accept the disclaimer and proceed to fill out the form.
6. Attach any required documents, such as a utility bill (for enhanced accounts).
7. Click “Submit Request” to send your application.
8. You will receive a ticket number via SMS.
9. Send this ticket number to MTN Ghana’s WhatsApp support at +233554300000 for further processing.

Your request will be reviewed, and once approved, your new limits will take effect.

FAQs About MTN MoMo Limits

1. Can I increase my MoMo limit without visiting an MTN office?

Yes! You can request a limit upgrade online via the MTN eRequest portal. However, for higher limits, you may need to submit additional documents.

2. Are the MoMo limits the same for everyone?

No, your limits depend on your KYC verification level. If you’ve provided only basic details, you’ll have a lower limit than someone who has completed full verification.

3. How long does it take to upgrade my MoMo limit?

It usually takes a few business days for MTN to process your request. If there are delays, you can follow up using your ticket number.

4. Can I downgrade my MoMo limit if I want to?

No, once you upgrade to a higher limit, you cannot downgrade it. However, you can manage your spending by keeping track of your transactions.

Knowing your MTN MoMo limits helps you plan your transactions wisely. Whether you’re sending money to family, paying for goods, or running a business, understanding your account limits ensures you don’t run into unexpected restrictions. If your current limit isn’t enough, upgrading is easy—just follow the steps above.

Now that you know how to check and increase your MoMo limit, managing your mobile money transactions will be a breeze!