You can withdraw from MTN Mobile Money without an ID Card. Yes! It is possible.
Since the implementation of the “No ID Card No Cash-Out” policy by MTN Mobile Money in April 2021, a lot of people who have unfortunately misplaced their ID Cards have found themselves wanting on several occasions. According to the policy, the only accepted ID cards for withdrawing money are Ghana Card, Passport, Voter ID, Drivers license, SSNIT card, NHIS Card. This directive was initiated by MTN Ghana as a means of providing solutions to the rise of MTN Mobile Money’s fraudulent activities.
MTN MOMO users who have a valid ID Card sometimes forget to move with it wherever they go, making it impossible for them to withdraw in emergency situations. Those who are most unfortunate are the users who mistakenly misplaces their ID Cards.
Read Also: List of All MTN Shortcodes In Ghana 2021
This can happen to you also and the question is, in such situations are you going to forget about the money band switch to other Mobile Money Companies? No, I am not sure you will be happy with such an idea.
That is why I am writing this article to provide you with simple ways to withdraw MTN Mobile Money without using a valid ID card.
How To Withdraw From MTN Mobile Money Without An ID Card
1. Withdraw MTN Mobile Money Through A Bank ATM
One of the easiest ways to withdraw MTN Mobile Money without an ID card is to withdraw through a bank’s ATM. Mobile Money withdrawals through the ATM have been in existence for a quite long. However, most people assume the process will be stressful and therefore has no reason of trying. In case your ID card gets missing or probably you forget to go with it when the need arises for you to withdraw money, then withdrawing through the ATM is the best option. It is easy, fast, and secure which requires no ID Card at the moment. What you need to do is to generate a Mobile Money token on your phone, walk to any ATM with such functionality and withdraw your money.
List of Banks That Accepts ATM Mobile Money Withdrawals in Ghana As At Now.
Below are the names of Banks in Ghana where you can withdraw your MTN Mobile Money through their ATM. Please note that, the list below will be updated from time to time.
- Access Bank
- Ecobank
- Absa Bank
- GTBank
- Fidelity Bank
- Zenith Bank
- Stanbic Bank
How to Withdraw MTN Mobile Money from ATM in Ghana
- Dial *170#
- Select option 8 for bank services.
- Choose option 3 for ATM cash-out.
- Select option 1 to generate the token. Continue next steps on the ATM.
- On the ATM, Choose Cardless Transactions
- Choose MTN Mobile Money
- Enter your generated code
- Enter your 4 digit secret code (PIN)
- Input the amount of money you want to withdraw from your MTN MOMO wallet.
- Enter your PIN to authorize the transaction
- Wait a while to receive your money from the ATM.
2. Send Money From Your MTN Mobile Money Wallet Into Your Bank Account and Withdraw
I have been using this process for a very long time even before MTN Ghana introduced the “No-ID Card No Withdrawal” policy. This process doesn’t only help you to send money into your bank account but also helps you to withdraw from the bank into your MTN Mobile Money account from the comfort of your home or office. All you need to do is to walk to your bank and link your MTN Mobile Money account.
You can withdraw money sent from your MTN Mobile Money Account into your bank account either by using your visa/MasterCard or even decide to withdraw manually through the teller. Some banks such as UBA, and Stanbic Bank in which I have been using for a longer time do not charge a pesewa for such transfers. However, you will be charged when you do the withdrawal from a different bank aside from the bank that issued the Visa/MasterCard.
Let’s look at the two options below.
How To Transfer From MTN Mobile Money Wallet To Bank Account
- Dial *170#
- Choose option 5 (Financial Services)
- Choose option 1 (Bank Services)
- Select option 1 (Transfer to Bank)
- Select your bank from the option that appears. Enter # in case your bank doesn’t appear on the first list
- Your linked bank account number and name will appear. Choose the preferred account you want to send the money to
- Enter the Amount you want to send and proceed
- Enter your mobile money pin to confirm
How To Transfer From Bank Account To MTN Mobile Money Wallet
- Dial *170#
- Choose option 5 (Financial Services)
- Choose option 1 (Bank Services)
- Select option 2 (Transfer from Bank)
- Select your bank from the option that appears. Enter # in case your bank doesn’t appear on the first list
- Your linked bank account number and name will appear. Choose the preferred account you want to send the money to
- Enter the Amount you want to send and proceed
- Enter your mobile money pin to confirm
3. Send the MTN MOMO To the Agent Directly
One of the ways to withdraw money from your MTN Mobile Money account without an ID Card is to transfer it to the MOMO Agent. Some agents have their personal MOMO accounts you can send the money to and request that you add the charges. Others will also allow you to send it to their Agent account so they withdraw for you directly.
This is an easy method however, MTN will not be held responsible if anything happens to your funds as a reason for trying to bypass their policy. As some agents will allow you to use this method, some agents will also reject your request.
Read Also: How To Easily Check Your MTN Mobile Number In Ghana
4. Transfer from MTN MOMO wallet to other Networks.
We are so fortunate that through the help of interoperability we can now transfer money across all Mobile Money companies in Ghana without going through stress. Moreover, the “No ID, No Cash Out” policy initiated by MTN Ghana does not affect any of the other networks. The only thing different here is the extra charges. However, it is better as compared to losing your money in your MTN Mobile Money wallet simply because you do not have an ID Card.
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