MTN MoMo PIN reset in Ghana — the fast, free path

Forgot your MoMo PIN in Ghana? Three paths to reset it: via USSD (*170# → My Wallet → Change PIN if you still know it), by phone (call 100, free from MTN), or at an MTN service centre with your Ghana Card. None of them costs a cedi.

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✓ Verified June 2026.Figures from live operator tariffs; operators may revise their schedules.

If you still know your PIN (preventive change)

Change your PIN periodically as good hygiene — especially if you accidentally shared it. Procedure:

*170# → My Wallet (6) → Change PIN.
Enter your current PIN.
Enter the new 4-digit PIN.
Confirm the new PIN.
Change is immediate. SMS confirmation.

Avoid obvious PINs (1234, your birthday, your phone number). Also avoid keeping the PIN written on the phone.

If you forgot — path 1, call 100

The fastest channel and the least travel-intensive. Call 100 from your MTN number (the call is free from MTN). Prepare: your Ghana Card, the MoMo number involved, and 5-10 quiet minutes. The agent verifies your identity (Ghana Card number, date of birth, last transaction) then pushes a temporary 4-digit PIN by SMS. Log into *170# with that temporary PIN and change it immediately.

If you forgot — path 2, MTN service centre

If 100 does not connect or you prefer face-to-face, go to your nearest MTN service centre. Bring your physical Ghana Card. The agent verifies your identity, scans the card, and pushes a temporary PIN while you wait. Allow 5-10 minutes once in line. The recommended path for business accounts or if you have lost access to the MoMo number.

Security: what MTN NEVER does

MTN will NEVER ask for your PIN by phone, SMS, WhatsApp or email — including for a PIN reset. If someone claiming to be 'MTN' asks for your current PIN, it is a scam. The only time MTN sends you a PIN is the temporary PIN at reset time — and that SMS always comes from the official MTN shortcode.

Report a fraud attempt →

Frequently asked questions

How do I reset my MTN MoMo PIN if I forgot it?

Call 100 from your MTN number (free) or go to an MTN service centre with your Ghana Card. The PIN cannot be reset via *170# if you forgot it — you must go through customer care or an official service centre.

How much does a PIN reset cost?

Zero. The service is entirely free at MTN, Telecel and AT. If someone asks you to pay to 'reset your PIN', it is a scam.

How long does the reset take?

By call to 100: 10-15 minutes once the agent is on the line, time to verify your identity and push a temporary new PIN that you then change via *170#. At a service centre: 5-10 minutes with your Ghana Card.

What do I do after receiving the temporary PIN?

Log into *170# with the temporary PIN, go to My Wallet (6) → Change PIN, and choose a new 4-digit PIN that only you know. Do it within 24h — temporary PINs expire.

And for Telecel Cash or AT Money?

Telecel: call 100 from your Telecel SIM. AT: dial 100 from your AT SIM. For both, you can also go to a service centre with your Ghana Card. Same procedure as MTN — identity check then temporary PIN.

My PIN is blocked after 3 wrong attempts. What do I do?

The wallet auto-locks after 3 wrong PIN entries to protect your balance. That is exactly the forgot-PIN procedure — call 100 or go to a service centre. Unblocking is free.