Your MTN MoMo account becomes dormant if you go for 365 days (one year) without making any transaction. Don’t worry – reactivating it is quick and easy. This ASJ guide will walk you through the simple process to get your account active again.
Why Accounts Go Dormant
Mobile Money accounts become inactive after a long period of no activity. If you have not used your MTN MoMo wallet for any transaction—sending money, paying bills, buying airtime, or checking your balance—for 365 days or more, MTN automatically marks the account as dormant . This is a security measure to protect inactive accounts from potential fraud.
How to Reactivate Using USSD
The quickest way to reactivate your dormant account is using the USSD code on your phone. It works on any phone and does not require internet access .
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Step-by-step instructions:
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Dial *170# on the MTN line with the dormant account
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Select 6 for “My Wallet”
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Input option 12 for “Reactivate Wallet”
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Enter your Ghana Card details when prompted
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Enter your MoMo PIN
After completing these steps, your account should be reactivated immediately, and you can start using it to send and receive money right away .
Alternative Reactivation Method
If the USSD method does not work for you, there is a web-based alternative:
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Visit the MTN MoMo reactivation portal
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Enter your phone number
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Enter the OTP (One-Time Password) you will receive via SMS
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Select “MoMo REACTIVATION/CLAIM FORM”
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Generate the forms and enter your bio-data details
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Submit your answers
You will receive an SMS with a Ticket Number. If your request is not completed after 24 hours, you can follow up using this ticket number through any of MTN’s digital customer service channels .
What If You Don’t See the Reactivation Option?
If the “Reactivate Wallet” option is not available on your *170# menu, it may be because the account has been inactive for an extended period beyond the standard dormancy period. In such cases, you will need to:
Visit an MTN Service Centre:
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Take your Ghana Card to any MTN office
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A customer service agent will manually reactivate your wallet
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Service centres process all registrations and reactivations free of charge
Visit an MTN MoMo Agent:
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Go to any approved MoMo merchant stand
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Bring your Ghana Card and the registered MTN SIM
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The agent will capture your details and complete the reactivation
Important Things to Remember
Ghana Card is Essential
Since the SIM registration exercise, the Ghana Card is mandatory for all MoMo-related services. You cannot reactivate your account without it .
Check Your SIM Registration
Before attempting reactivation, confirm your SIM is fully registered to your Ghana Card. Dial *400# to check your registration status .
No Cost
Reactivation is free. MTN service centres do not charge for reactivation services .
Security
Never share your MoMo PIN with anyone. If you suspect fraudulent activity, report it immediately using *170# → My Wallet → Report Fraud .
Quick Facts
| Topic | Details |
|---|---|
| Dormancy Period | 365 days without any transaction |
| USSD Code | *170# |
| Menu Path | 6 (My Wallet) → 12 (Reactivate Wallet) |
| Required Document | Ghana Card |
| Cost | Free |
| Alternative | Visit MTN Service Centre or MoMo Agent |
Frequently Asked Questions
1. How long before an MTN MoMo account becomes dormant?
Your MoMo account becomes dormant after 365 days (one year) of no transactions .
2. How do I reactivate my dormant MoMo account?
Dial *170#, select 6 (My Wallet), then select 12 (Reactivate Wallet). Enter your Ghana Card details and MoMo PIN .
3. What happens if I don’t see the Reactivate Wallet option?
If option 12 is not available on your menu, visit any MTN Service Centre or authorised MoMo agent with your Ghana Card for manual reactivation .
4. Do I need my Ghana Card to reactivate my MoMo account?
Yes. The Ghana Card is mandatory for all MoMo-related services, including reactivation .
5. Does reactivating my MoMo account cost money?
No. Reactivation is free at MTN service centres. Some agents may charge a small convenience fee, but MTN itself does not charge for reactivation .
6. Can I reactivate my account online?
Yes. You can use the online form by visiting the MTN MoMo portal, entering your phone number and OTP, and submitting the reactivation request .
7. What should I do if my reactivation request is not processed?
You will receive a ticket number by SMS. Use this number to follow up with MTN customer service through any of their digital channels if the request is not completed after 24 hours .
8. Can someone else reactivate my account for me?
No. Reactivation requires your identity and Ghana Card. You must personally authorise the process
Source: Accra Street Journal
Last Updated on September 5, 2026 by Samuel Kwame Boadu
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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.
