How To Check Your MTN Mobile Money Daily and Monthly Limits

MTN Mobile Money has become a largely indispensable part of our lives as Ghanaians. Due to the ease and comfortability which comes with its usage, many people have practically reduced or stopped visiting traditional financial institutions such as banks.

However, there are situations where Mobile Money is not enough. One of such is the limitations placed on all Mobile Money accounts.

Though you can update these limits on your Mobile Money account, it’s important for us to know what these limits mean and how to check them first – so we can eventually upgrade.

So, in this article, we look at why there are limits on mobile money accounts, what the limits are and how to check them on your phone.

As always, this is a comprehensive guide which will help you understand the concept completely. So, do well to read carefully.

So, first, let’s look at why there are Mobile Money limits.

Why Mobile Money Limits

The Mobile Money service, just like any other financial institution or service in Ghana – is controlled and regulated by the Bank of Ghana.

As such, the Bank of Ghana issues these limitations on the service based on the license they have and also for security reasons.

So, in effect, your MTN Mobile Money limits are not from your network provider – MTN, but rather from the Bank of Ghana.

The Mobile Money Limits

As mentioned in the foregoing paragraphs, Mobile money accounts are pre-installed with limitations.

These limitations are further grouped into two tiers. They are tier one and tier two limits.

So, here, we look at the various tiers and the limits assigned to each of them.

Tier One

The first tier is the lower tier of limits.

Daily Limit: GHS 2,000 (This is the total amount of money you can receive or send in a day)

Monthly Limit: GHS 20,000 (The total amount of money that can be sent or received through your mobile money account in a month).

Total Balance Limit: GHS 10,000 (The highest amount of money you can have in your Mobile Money account at any given time. )

Tier Two

Of the two categories, Tier two is the higher tier and it comes with the following limits:

Daily Limit: GHS 5,000

Monthly Limit : GHS 50,000

Account Balance Limit: GHS 20,000

How To Check Your Mobile Money Limit

To confirm which of the two tiers you’re on and how much of your limits you’ve used already, follow the steps below:

  1. Dial *170# on your phone to open the mobile money portal
  2. Dial 6 to select ‘My Wallet’
  3. Dial # to view the next page
  4. Dial 8 to check your wallet limits
  5. Enter your MOMO pin

On the next page, you should see a detailed summary of your daily and monthly limits. This includes the amount you’ve used up and how much you have left of your limits.


Like any other financial institution or service in Ghana, the Mobile Money service comes with a set of rules and regulations.

One of the regulations governing the service is the Wallet limit. Based on the level of your mobile money account, you have daily, monthly and total account balance limits.

So, in this article, we looked at what Mobile Money limits are, why they exist, the various tiers and how to check your limit.

We hope that you found this article interesting and helpful. If you have any questions, comments or reservations about this article, kindly let us know in the comment box below.

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