Mobile money has become the backbone of everyday transactions in Ghana.
From market payments to business transfers, school fees, and emergency support — people rely on it daily.
For users on AT Ghana, the mobile money service is known as AT Money.
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But even though it is widely used, many people still don’t fully understand how to send and receive money correctly — or they make small mistakes that delay transactions.
This ASJ guide breaks it down in a simple, reliable way.
HOW TO SEND MONEY WITH AT MONEY
The main USSD code you need is:
*110#
This is the central menu for all mobile money operations.
Step-by-step: Sending money
- Dial
*110# - Select Send Money
- Enter recipient’s phone number
- Enter the amount
- Confirm recipient details
- Enter your Mobile Money PIN
- Confirm transaction
You will receive an SMS confirmation once the transfer is successful.
Important things to check before sending
Before you confirm any transaction:
- Double-check the phone number
- Confirm the amount
- Ensure your PIN is correct
- Make sure you have enough balance
Because mobile money transactions are instant and difficult to reverse.
HOW TO RECEIVE MONEY WITH AT MONEY
Receiving money is even simpler.
You don’t need a special code.
When someone sends money to your AT Money number:
- You receive an SMS notification
- Your wallet balance updates automatically
- The funds are instantly available
No action is required from your side.
If money does not arrive immediately
Sometimes delays happen due to:
- Network congestion
- Sender confirmation issues
- System processing delays
If it takes too long:
- Restart your phone
- Check balance using
*110# - Wait a few minutes before reporting
HOW TO CHECK YOUR BALANCE
To confirm receipt or check funds:
Dial:
*110#
Then select:
- Check Balance
This shows your current wallet balance instantly.
COMMON MISTAKES USERS MAKE
Even though the system is simple, errors still happen.
1. Wrong recipient number
This is the most common mistake.
Once sent, recovery is not guaranteed.
2. Incorrect PIN entry
After multiple wrong attempts, your wallet may be locked.
3. Sending without confirmation
Some users rush and approve transactions without checking details.
4. Network delays
Users assume failure when it is just a delay.
HOW TO RECEIVE MONEY SAFELY
To avoid issues:
- Keep your SIM active and registered
- Ensure your wallet is fully verified
- Do not share your PIN with anyone
Remember: AT Money transactions are linked to your identity.
WHAT TO DO IF MONEY IS NOT RECEIVED
If the sender says they sent money but you didn’t receive it:
- Check balance with
*110# - Confirm your number was correct
- Ask sender for transaction reference
- Visit an AT Ghana service center if unresolved
WHY MOBILE MONEY IS STRICTLY CONTROLLED
Mobile money is regulated because it is now part of Ghana’s financial system.
The identity framework is supported by the National Identification Authority.
This ensures:
- Secure transactions
- Traceable payments
- Fraud prevention
That is why correct registration and verification matter.
COMPARISON WITH OTHER NETWORKS
Other providers like MTN Ghana and Telecel Ghana also offer similar mobile money services.
But the process across all networks is generally the same:
- USSD-based sending
- Instant receiving
- PIN-protected security
ASJ FINAL WORD
Sending and receiving money with AT Money is simple — once you understand the correct steps.
Use:
*110#for all transactions- Always verify details before sending
- Check your balance regularly
Because in today’s Ghana, mobile money is not just convenience.
It is daily financial infrastructure.
And knowing how to use it correctly protects both your money and your peace of mind.
FAQs
What code do I use to send money on AT Ghana?
Dial *110# and select “Send Money.”
How do I receive money on AT Money?
You don’t need a code. It is automatically credited to your wallet.
What if I send money to the wrong number?
Contact AT Ghana immediately, but reversal is not guaranteed.
Is AT Money safe?
Yes, it is secured with PIN protection and identity verification.
Can I use AT Money without a Ghana Card?
No, full registration requires a Ghana Card.
Source: Accra Street Journal
Last Updated on May 1, 2026 by Samuel Kwame Boadu
Disclaimer: Some content on Accra Street Journal may be aggregated, summarized, or edited from third-party sources for informational purposes. Images and media are used under fair use or royalty-free licenses. Accra Street Journal is a subsidiary of SamBoad Publishing Hub under SamBoad Business Group Ltd, registered in Ghana since 2014.
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Samuel Kwame Boadu is a Ghanaian media entrepreneur and storyteller with a passion for amplifying urban voices and uncovering everyday truths. He is the Editor-in-Chief and Founder of Accra Street Journal, a dynamic digital platform dedicated to capturing the pulse of Ghana’s capital—its people, culture, challenges, business, sports and innovations.
