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MTN Ghana Mobile Money: Data Bundles and Tariffs in 2020

What is MTN Mobile Money

Picture credit: Fiona Graham / WorldRemit

MTN is the dominating telecommunication company in Ghana, with a voice market share of 57 percent, a data market share of 67 percent, and a rapidly growing mobile money market. In this guide, you will discover MTN Ghana mobile money charges and data bundle tariffs.

MTN Ghana Mobile Money

Mobile money is one of the services MTN Ghana offers. According to an article on CGAP, MTN Ghana has played an important role in increasing the number of Ghanaians using mobile money (MoMo) and eventually promoting financial inclusion.

To register for MTN MoMo, you should visit the nearest agent or merchant with a formal document like a driving license or a national ID. Registration is free.

Ghanaians can use MTN MoMo to send and receive money and pay for goods through the Android and iOS apps.

MoMo Tariffs

The MTN mobile money tariffs are as shown in the table below.

Transaction Point Services Type Transaction Limit (GHS) Charges (GHS)
At merchant’s or agent Registration Free Free
At merchant’s or agent Money transfer 1-50 2.50
At merchant’s or agent Money transfer Above 50 5%
At merchant’s or agent Cash out 1-50 0.50
At merchant’s or agent Cash out Above 50 1%
On mobile Money transfer (P2P) 1-50 0.50
On mobile Money transfer (P2P) Above 50 1%
On mobile Money transfer (A2C) 1-50 1.50
On mobile Money transfer (A2C) Above 50 3%
On mobile Airtime top-up 1-100 Free
On mobile Bill payment- ECG, GOtv N/A 0.50 flat
On mobile Bill payment- DSTV, MTN postpaid

School fees






2 flat

Account management Balance enquiry N/A Free
Account management Mini statement N/A 0.01

Data Bundles and Tariffs

MTN Ghana data bundles and tariffs are indicated in the tables below.

Internet bundles

Purchase Amount Range (GHS) Price per MB
>0.3 to <=1.99 0.0214
2 to <3 0.0178
3 0.0065
>3 to <=5 0.0085
>5 to <=99.9 0.0124
10 0.0106
100 to <=199.9 0.0094
200 to 299 0.0056
300 to 349.9 0.0028
350 to 398 0.0022
399 0.0019

Basic packages

Price Volume USSD Code
50 Pesewas 23 MB *138#1-1-1-1-1
1 GHS 46 MB *138#1-1-1-2-1
3 GHS 461 MB *138#1-1-1-3-1
10 GHS 943.40 MB *138#1-1-2-1-1
120 GHS 12 GB *138#1-1-3-1-1
399 GHS 205.08 GB *138#1-1-3-1-2-1

Midnight packages

These bundles are available from 12 am to 5 am every day.

Price Volume USSD Code
1 GHS 2.79 GB *138#1-1-4-1-1-1
3 GHS 5.33 GB *138#1-1-4-2-1-1

Kokrokoo package

MTN Ghana offers a fixed bundle under this package. However, users can get data for the amount of their choosing. The package is available from 4 am to 8 am.

Price Volume USSD Code
1.09 GHS 400 MB + 20 mins *138#1-1-5-1-1-1

Other Data Bundles

MTN Ghana provides a variety of other bundles for users that like to spend their time online.

Social media package

Users can get custom data bundles for a preferred amount besides the fixed bundles. The data bundles under this package target WhatsApp, Facebook, and Instagram users. These bundles do not have an expiry date.

Price Volume USSD Code
1 GHS 94.34 MB *138#1-1-6-1-1-1
5 GHS 471.70 MB *138#1-1-6-2-1-1-1
10 GHS 943.40 MB *138#1-1-6-3-1-1-1

Video data package

The video data package is for users that love to watch YouTube videos or stream videos from other websites. Users that choose this package can purchase the fixed bundles or they can get bundles for the amount they wish to spend. Bundles under this package have no expiry date.

Price Volume USSD Code
1 GHS 94.34 MB *138#1-1-6-1-1-1
5 GHS 471.70 MB *138#1-1-6-2-1-1-1
10 GHS 943.40 MB *138#1-1-6-3-1-1-1

To view the above data bundles, you should download the MTN app.

How to Check Your MTN Number in Ghana

In case you have forgotten your MTN number, there are several actions you can take to check it.

  • Find the plastic casing your SIM card came in: if you are sure you still have this plastic casing lying around, search for it to check your MTN number. The plastic casing will not only have your number but also your PIN and PUK numbers
  • Dial the USSD code: dial *156# on your phone and follow the prompts to see your number. This service is free
  • Call a customer care representative: Open your dial pad. Dial 100 with your MTN SIM and follow the instructions. Once MTN connects you to an agent, ask them to check your number and write it down for future reference. It is free to use this service
  • Call another number: to use this method, enter another person’s number in your phone and call them. The other person should be close by so that you can view your number. You will need airtime to apply this method
  • Send your other line a message: if you have two SIM cards on one phone, send an SMS to the number you know using your MTN line. You will receive the message showing your MTN number
  • Send another MTN line a “Please Call Me” message: if you have your friend’s MTN phone number, send them a “Please Call Me” message. The message on your friend’s phone will display your number

Once you get your number, save it in your contact list as “My Number” in case you forget it again.

MTN 4G Data Plan Ghana

MTN Ghana

To use the MTN 4G data plan, you must upgrade your SIM card to 4G or buy a 4G SIM card. Also, your mobile phone can only connect to this network if it is 4G compatible. Dial *585# to find out if your phone is 4G-ready. Upgrading your MTN SIM card to 4G could earn you free 4GB data for seven days. Note that a SIM card upgrade is free.

Once your phone and SIM card are 4G-ready, dial *138# to subscribe to a data bundle. The 4G data plans are similar to the other MTN Ghana data packages listed above. You can subscribe to the basic data package, the midnight package, or the social media bundle. If you subscribe to the MTN 4G LTE, you will receive a 50 percent bonus.

The 4G network is not available throughout Ghana. Therefore, you will experience a switch from 4G to 3G when you are in an area where MTN 4G is unavailable.

MTN Ghana has also rolled out 4G+, a service that is faster than the 4G network. As a result, if you need faster speeds, this is the network you should use.