Q&A on MTN Momo cash-out transactions


Here are some important questions and answers on MTN’s new directive on MoMo Cash-out transactions, effective April 2, 2021.

Q1. Why would I need my ID card to withdraw funds effective April 2, 2021?

A1. To safeguard your funds and to be sure that you are the owner of the MoMo wallet at the Agent Point doing the withdrawal or Cash out. It’s also to fulfil regulatory requirements.

Q2. What are the acceptable IDs in order to successfully Cash out at an Agent Point?

A2. The valid acceptable ID cards are seen below:

Ghana Card

• Driver’s License

• Passport

• Voter’s ID


• NHIS Card

Q3. Do I need the exact ID that was used in registering my Mobile Money Account to Cash out?

check out:COVID-19: Question – What if I don’t get my second Covid-19 vaccine dose on time?

A3. No, you do not necessarily need to use that particular ID card, but any of the acceptable ID cards in your name to be able to Cash out at an Agent Point.

Q4. Would an expired ID card be accepted at the Agent Point even though it is in my name?

A4. No. An expired ID card will not be accepted at the Agent Point.

Q5. In the absence of my physical ID card, will my digital ID card be accepted as an alternative to successfully Cash out from an Agent Point?

A5. No. Currently only physical ID cards are accepted for MoMo transactions.

Q6. How do I confirm if my Mobile Money Account is registered in my mame?

A6. Dial *170#, and then select option 6 “My Wallet”, then select option 10 “Name and Next of KIN” to check the details of the MoMo account.

Q7. How do I correct the details (Name) on my Mobile Money account if it is not registered in my name?

A7. Kindly visit any of the nearest MTN Service Centers for immediate assistance.

Q8. Can any close relative with my valid ID card assist to perform Cash out transactions on my behalf?

A8. No. MoMo does not encourage proxies, therefore you can not give your ID card and phone to anyone to perform Cash out transactions on your behalf.

Q9. If I am ill and incapacitated, but need to access my MoMo funds, what do I do?

A9. The person acting on your behalf will need to visit an MTN Service Center with a letter from the medical institution with the following:

Details of the doctor, copy of your ID card, valid ID card of the person acting on your behalf (proxy). (That letter is only acceptable when it’s written on the hospital’s letter head).

The above Q&A are extracts from the new MTN MoMo directive for Cash out transactions, so please take note.



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Citizen Atare is a Ghanaian who hails from the Upper East Region. He is an ICT professional working with CERSGIS, a Remote Sensing & GIS Centre, located at the University of Ghana, Legon. Citizen Atare is an amateur freelance writer and blogger for over 20 years, who likes to research into everyday lifestyle issues and situations, politics, and cultural practices to write about to educate and also entertain his readers. He is a highly creative and motivated, highly inquisitive, open minded and to an extent risk-taking with a high visual acumen. He is a dreamer who isn’t afraid to break creative barriers. He is also a passionate aviation, tech and motoring enthusiast with a lot of knowledge to share and a private researcher. He has no formal education or certificate in journalism, but the hunger to know more and do more, backed by an impressive work portfolio is what drives him to write the things he knows best for his numerous online fans. Citizen Atare is married to Margaret and they both live in Accra with their lovely daughter Zoey. His hobbies include reading, listening to very good music; especially jazz, writing, watching action, sci-fi and adventure movies, travel and site seeing and swiming. He likes eating fufu and palm nut soup, but prefers boiled rice and kontomire stew with agushie more.


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