MTN MoMo limits: daily caps and how to raise them
How much can you hold and move on MoMo? Limits are set by your KYC tier. This page structures Ghana's tier ladder — including the minimum-account raise to GH₵3,000 — and points to each country's own caps. Where a figure only circulates on social media and isn't on an official page, we flag it.
Limits verified 2026-07-03 · source: Bank of Ghana, mtn.co.ug
What are the MoMo limits in Ghana?
| Account tier | Daily limit | Wallet balance |
|---|---|---|
| Minimum (basic KYC) | GH₵3,000 (was GH₵2,000) | GH₵5,000 |
| Medium | GH₵15,000 (was GH₵10,000) | GH₵40,000 |
| Enhanced | GH₵25,000 (was GH₵15,000) | GH₵75,000 |
The Bank of Ghana raised these limits effective 1 March 2024 — the minimum account went from GH₵2,000 to GH₵3,000 a day. The change is a regulator move (well-sourced), not a social-media rumour, though it often circulates on Facebook without the date.
Source: Bank of Ghana, effective 1 March 2024 (Graphic Online; Citi Newsroom).
Daily limit vs wallet balance: two different caps
Two numbers get confused. The daily limit is how much you can move (send, withdraw, pay) in a 24-hour window; the wallet balance cap is the most you can hold on the wallet at any moment. On a Ghana minimum account those are GH₵3,000 a day and GH₵5,000 held — so you can top up and spend across a day, but the standing balance is capped lower. Hitting either one blocks the next transaction until the window resets or you upgrade. These tiers exist because the central bank ties mobile-money limits to how much identity verification (KYC) you have completed — more verification, higher ceilings, an anti-money-laundering design used across MTN's markets.
Limits in other MTN countries
Each MTN market sets its own tiered caps by KYC level. Uganda publishes its wallet and transaction limits on mtn.co.ug — verify the current tier there. For other markets, the caps live on the local MTN OpCo site; we mark "verify" rather than restate a figure we cannot source to an official page.
How do you raise your MoMo limit?
Upgrade your KYC tier. Link your national ID (in Ghana, your Ghana Card) and complete the verification the operator requests at an MTN agent or in the app. Moving from a minimum to a medium or enhanced account raises both your daily transaction cap and your wallet balance limit in one step.