MTN MoMo Ghana USSD codes — the full *170# menu map
MTN MoMo Ghana runs entirely through *170#. Here is the full menu, every deep path verified against MTN's official communications, and what each option actually triggers — including send *170*1#, MoMoPay *170*2#, withdraw *170*5#, and the My Wallet menu *170*6# that holds reversal and PIN reset.
✓ Verified June 2026.Figures from live operator tariffs; operators may revise their schedules.
The *170# menu branch by branch
Dial *170# on your MTN number. The main menu opens with these options (order may shift with MTN updates):
- 1. Send Money — Send to an MTN number, or cross-network to Telecel/AT via interoperability.
- 2. MoMoPay & Bill Payment — Merchant payment via MoMoPay code (5-7 digits) + utility bills (ECG, Ghana Water, DStv, Star Times).
- 3. Airtime & Bundles — Buy MTN airtime for self or another number.
- 4. Buy / E-services — Lottery tickets, online services, TV top-ups.
- 5. Withdraw Cash — Generates a withdrawal code to show an MTN agent.
- 6. My Wallet — THE critical menu: Balance, Change PIN, My Statements, Report Fraud (where reversal lives), Block SIM.
- 7. Savings & Loans — Qwikloan, MoMo Advance, ahomka savings.
- 8. Bank Services — Wallet to bank + bank to wallet. List: GCB, Stanbic, Ecobank, Absa, Fidelity and more.
The deep paths to know
- *170*1# → Direct send, skips the main menu.
- *170*2# → MoMoPay direct. Enter merchant code, amount, PIN. No fee for the customer.
- *170*5# → Withdraw direct. Immediately generates the 6-digit code for the agent.
- *170*6# → My Wallet direct — for balance check, PIN change, or starting a reversal.
- *170*8# → Bank Services direct.
What is free vs what costs
USSD access is always free. Balance checks, PIN changes, mini-statement requests: zero fee. Only financial operations trigger the normal operator fee:
- P2P send (*170*1#): free to GH₵100, about 0.75% to GH₵1,000, then GH₵7.50 flat.
- MoMoPay merchant (*170*2#): entirely free for the payer. The merchant pays a commission.
- Withdraw (*170*5#): free under GH₵50, about 1% to GH₵2,000, then flat GH₵20 above.
- Wallet to bank (*170*8#): free today (the 0.75% MTN announced in May 2026 is suspended by the Bank of Ghana).
For the band-by-band detail, see the dedicated pages: withdrawals, sends, MoMoPay merchant.
Frequently asked questions
What is the MTN MoMo USSD code in Ghana?
*170#. The single code that opens the full MTN MoMo menu: send, withdraw, MoMoPay, my wallet, buy, statements, loans. No other MTN MoMo code exists — beware of alternative codes cited on third-party sites.
Which deep paths are worth memorising?
Four essentials: *170*1# (send), *170*2# (MoMoPay merchant), *170*5# (withdraw), *170*6# (My Wallet — balance, PIN, reversal). These shortcuts skip the main menu and take you straight to the input screen.
How do I reverse a transfer via *170#?
Dial *170# → My Wallet (6) → Report Fraud → New Reversal Process. The system opens a case, the operator investigates, and if the recipient has not yet withdrawn the money, refund is possible. Processing time can be up to 15 working days. See our dedicated page for the full procedure.
How do I get my MoMo statement?
Mini-statement via *170# → My Wallet → My Statements → Mini Statement (your last 5 transactions, free). Full statement via the MTN MoMo app (filters by date), or by email by writing to customerservice@mtn.com with your number and the desired period.
Does the MoMo app replace *170#?
Not entirely. The app covers the everyday transactions (send, MoMoPay, balance, history) and adds features missing from USSD (QR scan, scheduling, filterable history). But *170# works without internet, on any phone — the safety net. Many MTN users use both.
If *170# does not work, what do I do?
Check MTN signal, restart the phone, wait a few minutes (USSD micro-outages are common at peak hours). If the problem persists, call 100 (free from MTN) or use the MTN MoMo app which goes through data instead of USSD.