The amount of money you can send or keep in your MTN MoMo wallet depends on your KYC (Know Your Customer) verification level. This guide explains the transaction limits, balance limits, and how to upgrade your wallet to send and hold more money.
Your Limits Depend on Your KYC Level
MTN Mobile Money wallets have three main KYC levels, each with different transaction and balance limits .
Minimum KYC
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Maximum Balance: GH¢3,000
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Daily Transaction Limit: GH¢3,000 (up from GH¢2,000 in 2024)
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Monthly Transaction Limit: GH¢10,000
Medium KYC
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Maximum Balance: GH¢15,000
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Daily Transaction Limit: GH¢15,000
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Monthly Transaction Limit: No limit
Enhanced KYC
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Maximum Balance: GH¢25,000
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Daily Transaction Limit: GH¢50,000
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Monthly Transaction Limit: No limit
Note: Some sources also mention a maximum daily transaction limit of GH¢75,000 for enhanced accounts . The exact limit may vary based on regulatory changes and your specific verification status.
For comparison, here is a summary of the current limits :
| KYC Level | Balance Limit | Daily Transaction Limit | Monthly Limit |
|---|---|---|---|
| Minimum | GH¢3,000 | GH¢3,000 | GH¢10,000 |
| Medium | GH¢15,000 | GH¢15,000 | No limit |
| Enhanced | GH¢25,000 | GH¢50,000 | No limit |
How to Check Your Wallet Limits
You can check your current limits directly from your phone.
Step-by-step instructions:
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Dial *170# on your MTN line
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Select 6 (My Wallet)
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Press # (Hash) for the next menu
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Select 8 (Check Wallet Limits)
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Enter your MoMo PIN
You will receive an SMS showing your daily limit, the remaining amount you can transact for the day, and your monthly limit .
How to Upgrade Your Wallet Limits
To send or hold more money, you need to upgrade your KYC level. The process is straightforward .
Option 1: Self-Service Upgrade
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Dial *170#
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Select 6 (My Wallet)
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Follow the upgrade option to move from Minimum to Medium (daily limit GH¢3,000 → GH¢15,000)
Option 2: In-Person Upgrade
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Visit any authorised MTN agent or Service Centre with your Ghana Card
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For further enhancements, you may need:
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Utility bill in your name
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Bank statement
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Registered tenancy agreement
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Tax certificate
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The Ghana Card is the key document that unlocks the Enhanced level .
What Happens When You Hit Your Limit?
If you see a “transaction limit reached” message, you have three options :
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Wait for reset – Daily limits reset the next day
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Split your transaction – Spread the amount across several days
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Upgrade your KYC level – This raises your caps permanently
For merchants, there is good news. MTN also increased agent wallet limits in 2024. Tier 1 agents can now hold up to GH¢1 million, Tier 2 up to GH¢10 million, Tier 3 up to GH¢30 million, and Tier 4 has no limit .
Important Note on Accuracy
MTN and the Bank of Ghana periodically review and adjust these limits. The figures provided here are the most current as of 2026, but limits can change. Always dial *170# to check your specific limits, or visit MTN’s official website or service centre for the most up-to-date information.
Quick Facts
| Topic | Details |
|---|---|
| Standard Daily Limit (Minimum KYC) | GH¢3,000 |
| Medium Daily Limit | GH¢15,000 |
| Enhanced Daily Limit | GH¢50,000 or GH¢75,000 |
| Maximum Balance (Enhanced) | GH¢25,000 |
| Check Your Limits | Dial *170# → 6 → # → 8 |
| To Upgrade | Dial *170# → 6 and follow upgrade option, or visit MTN Service Centre with Ghana Card |
Frequently Asked Questions
1. What is the maximum amount I can send with MTN MoMo?
The maximum amount you can send depends on your KYC level. Enhanced KYC accounts can send up to GH¢50,000 per day, while Minimum KYC accounts are limited to GH¢3,000 daily .
2. How much money can I keep in my MoMo wallet?
Maximum balance limits are GH¢3,000 for minimum accounts, GH¢15,000 for medium, and GH¢25,000 for enhanced KYC accounts .
3. Can I increase my MoMo daily limit?
Yes. You can upgrade your KYC level by dialling *170# and following the upgrade option, or by visiting an MTN Service Centre with your Ghana Card .
4. What is the monthly MoMo transaction limit?
Minimum KYC accounts have a monthly limit of GH¢10,000. Medium and Enhanced KYC accounts have no monthly limit .
5. How do I check my MoMo limits?
Dial *170#, select 6 (My Wallet), press #, then select 8 (Check Wallet Limits), and enter your PIN. You will receive an SMS with your limits .
6. What happens if I hit my daily MoMo limit?
You will see a “transaction limit reached” message. You can wait for the limit to reset (next day), split your transaction across days, or upgrade your KYC level .
7. What is the daily limit for MoMo agents?
Tier 1 agents have a daily transaction limit of GH¢200,000. Tier 2 agents have GH¢1 million. Tier 3 and 4 agents have no daily limit
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.
