You Can’t withdraw your MTN Mobile Money at a Merchant without an ID

Starting from 1st February 2021, MTN Mobile Money customers will not be able to withdraw their money at a merchant unless they have a valid national ID Card.

The move is seen as a way by MTN Ghana to curb the high prevalence of fraud on the widely adopted MoMo platform.

Under this new system, one of the following cards need to be presented at the merchant for a Mobile Money transaction:

  • Ghana Card
  • Driving License
  • Passport
  • Voter’s ID
  • SSNIT ID and
  • NHIS

According to MTN Ghana, “when an agent is performing a cash-out for a subscriber, the agent is required to select the ID type and enter the ID number of the ID card the subscriber provides.”


As mentioned earlier, this new update to the way MTN Mobile Money withdrawals are done at the merchants will be in full force on February 1.

With the new system, MoMo withdrawals at merchants are going to take longer as the merchant has to now enter the ID Type and the ID Number (2 extra steps).

Kindly note that you can use any of the IDs listed above provided they have been registered in your name, and not necessarily the ones that you initially registered your Mobile Money with.

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