How To Withdraw MTN Mobile Money Without An ID Card.

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MTN MoMo has effected the the directive for all MoMo customers will be required to present valid ID cards before any MoMo cash-out (withdrawal) transaction can be processed.

As a result of this directive, all MoMo agents will be required to select the ID type and enter the ID card number presented by the customer before the transaction can be completed. Without a valid ID card, MoMo transactions cannot be processed. Customers are expected to present any of the following ID cards – Ghana Card, Driving License, Passport, Voter’s ID, and NHIS before having a cash out transaction done.

However, this article will suggest alternative ways of withdrawing your money without an ID card.

1. Withdraw Through A Bank ATM

Withdrawing money through a bank’s ATM has been in existence for a long time now but many haven’t exploited that option yet as it was very easy to spot agents all around coupled with the myth of the process been stressful however, withdrawing with an ATM might just be your best option when you are out there without your ID card. Its easy, simple, fast and requires no ID as of now. All you need to do is generate a token from the specific bank, walk to the ATM and withdraw your cash and the easiest way to Withdraw MTN Mobile Money Without An ID Card.

You can only withdraw MTN Mobile Money through ATMs of the following banks:
  • Ecobank
  • Barclays Bank (Now Absa)
  • Access Bank
  • GTBank
  • Zenith Bank
  • Fidelity Bank
How to Withdraw MTN Mobile Money from ATM
  1. Dial *170#
  2. Select option 8 for bank services.
  3. Choose option 3 for ATM cash-out.
  4. Select option 1 to generate the token. Continue next steps on the ATM.
  5. On the ATM, Choose Cardless Transactions
  6. Choose MTN Mobile Money
  7. Enter your generated code
  8. Enter your four digit secret code (PIN)
  9. Input the amount of money your entered from your Mobile money.
  10. Enter your PIN to authorize the transaction
  11. Wait a while to receive your money from the ATM.

Just remember you can’t get GHc 1 and 2 or coins from the ATM so i suggest you withdraw in multiples of Ghc 10. Eg. If you wanted Ghc 99, just make it Ghc 100

How To Withdraw MTN Mobile Money Without An ID Card.
How To Withdraw MTN Mobile Money Without An ID Card.

Read More: MTN Ghana Short Codes

2. Push To Your Bank Account and Withdraw

There are some banks that have a very easy withdraw process. I used Cal bank just recently, and i was able to push my money from a MOMO wallet into my Cal bank account and made the withdrawal at the nearest call bank with no ID card required. This option helps when you are out there and need to withdraw a large amount of money but have no ID card and you also don’t want to send to another person to withdraw for you. Alo remember some banks will charge you to push money from your mobile money wallet to the bank account while others will also require an ID card to withdraw from your own bank account.

3. Send the Money Money To the Agent Directly

Some agents have their personal subscriber numbers you can send the money to directly and probably add the charges so that the can then withdraw it later but there is also the ability to send the money to the agent’s own wallet like you can do for momo users.

4. Send The Money To Other Networks and Withdraw.

Remember the No ID, No Cash Out is only happening with MTN MOMO and not AirtelTigo Money (ATM) or Vodafone Cash (VodaCash) so if you have any of the other telcos, you can just transfer the money to the account via interoperability and withdraw without the need for an ID card. The only stress here is the double charges but you can just move to the either ATM or Vodacash to save yourself the ID stress.

Mobile Money Interoperability
Mobile Money Interoperability

The Easiest way is see on How to Withdraw MTN Mobile Money Without An ID Card is either using the ATM if you can easily find any around you or send to another network and withdraw since none requires an ID card and seem legal. Though the other two options might be legal, it looks stressful.

Remember this is not promoting the none use of ID cards for mobile money transactions but an alternative when you are caught up in a situation you need cash but have no ID card to withdraw it.

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