Guide
MoMo agent USSD codes in Ghana: MTN, Telecel and AirtelTigo
Mobile money agents in Ghana use *171# on MTN, *110# on Telecel and *185# on AirtelTigo. On an MTN agent SIM, Cash In is *171# → 3 → 1, Cash Out is *171# → 2 → 1, Balance is *171# → 7 → 1 → 1 and Commission is *171# → 7 → 2 → 1. MoMoGram dials these menus and fills in the steps for the agent; the agent always enters the PIN.
MTN MoMo agent (*171#)
- Cash In: *171# → 3 → 1 → customer number → number again → amount → reference → PIN
- Cash Out: *171# → 2 → 1 → customer number → number again → amount → PIN
- Pay to Merchant: *171# → 1 → 1 → number → number again → amount → reference → PIN
- Buy Airtime: *171# → 4 → 2 → number → number again → amount → reference → PIN
- Airtime transfer: *171# → 5 → 1 → 5 → amount → number → number again → PIN
- Bundle/Data: *171# → 5 → 2 → 1 → 1 → 2 → number → number again → amount → 1 → 2 → PIN
- Check balance: *171# → 7 → 1 → 1 → PIN
- Check commission: *171# → 7 → 2 → 1 → PIN
Telecel Cash agent (*110#)
- Cash In: *110# → 1 → customer number → amount → Operator ID → 1 → PIN
- Cash Out: *110# → 2 → number → number again → amount → reference → PIN
- Pay to Merchant: *110# → 4 → 1 → number → amount → reference → PIN
- Airtime: *110# → 5 → number → amount → PIN
- Check balance: *110# → 6 → 1 → PIN
- Check commission: *110# → 7 → 2 → PIN
AirtelTigo Money agent (*185#)
- Cash In: *185# → 3 → 1 → number → number again → amount → reference → PIN
- Cash Out: *185# → 2 → number → number again → amount → reference → PIN
- Pay to Merchant: *185# → 4 → 1 → number → amount → reference → PIN
- Airtime: *185# → 4 → 2 → number → number again → amount → reference → PIN
- Check balance: *185# → 6 → 1 → PIN
- Check commission: *185# → 7 → 2 → PIN
Good to know
Networks sometimes change their menus. These are the menu paths MoMoGram uses as of October 2026; MoMoGram updates its codes centrally when a network changes a menu, so agents don't need to learn the new steps. Never share your PIN: no network or MoMoGram staff will ask for it.
Questions agents ask
What is the MTN MoMo agent code?
*171# on an MTN agent SIM. Customers use *170#; agents use *171#.
How do I check my MTN agent float balance?
Dial *171#, choose 7 (My Wallet), 1 (Check Balance), 1, then enter your PIN. In MoMoGram, tap BALANCE.
How do I check my MoMo agent commission?
On MTN dial *171# → 7 → 2 → 1 and enter your PIN; on Telecel *110# → 7 → 2; on AirtelTigo *185# → 7 → 2. In MoMoGram, tap COMMISSION.