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# How to check your MTN MoMo balance (and never trust a fake SMS)
- URL: https://chale.tech/check-mtn-momo-balance/
- Published: 2026-10-14T20:00:00.000Z
- Updated: 2026-10-14T20:00:00.000Z
- Description: Check your real MTN Mobile Money balance through *170# or the MoMo app, see your transaction history, and learn why the balance in the menu beats any text message.
- Author: Isaac Nana Yaw Annor
- Tags: Fintech & MoMo, Mobile money

Your MoMo balance is the one number that tells you the truth about your wallet. Checking it properly also protects you from one of the most common scams in Ghana: fake “you have received money” text messages.

## Method 1: \*170# (any phone)

1. Dial **\*170#**.
2. Choose **My Wallet** (option 6 on MTN’s current menu).
3. Choose the **Check Balance** option.
4. Enter your **MoMo PIN**. Your balance is shown on screen.

MTN updates the \*170# menu from time to time. If an option number on your phone differs from the one here, follow the option names instead.

## Method 2: the MoMo app

MTN’s MoMo app shows your balance once you log in. You can enable fingerprint login after entering your PIN once, which saves you typing your PIN in public. MTN says the app also lets you buy airtime and data, send money and get statements. More in [how to use the MTN MoMo app](https://chale.tech/how-to-use-the-mtn-momo-app/).

## Why the menu beats the text message

A text message saying “You have received GH₵500” proves nothing. Anyone can send an SMS that looks like a MoMo alert. Your balance in \*170# or the app comes from MTN’s system and cannot be faked.

So before you hand over goods, or send anything “back” to someone who claims they paid you by mistake, check your real balance. See [how to spot a fake MoMo payment alert](https://chale.tech/fake-momo-payment-alert/).

## Check a specific transaction

MTN has a free Check Transaction Status service for the last 90 days, which works whether you sent or received the money:

1. Dial **\*170#** and choose **6** (My Wallet).
2. Choose **5** (Statements), then **3** (Check Transaction Status).
3. Enter your PIN, choose whether you were the sender or receiver, and enter the other number and the date.

## Get a full statement

- **By USSD:** \*170# → My Wallet → Statements → Statement Request. Enter your PIN, your email address and the dates. MTN emails the statement.
- **In the app:** MTN says the MoMo app can email statements for 30, 60 or 90 days, or a custom range in the last 90 days, as a PDF.
- **Online:** register at **statements.mtn.com.gh** with your MTN number. Each request covers up to 90 days.

**The golden rule:** nobody genuine will ever ask for your MoMo PIN. Not MTN staff, not an agent, not a “promo officer”. MTN’s official customer service number is **0244300000**, and its call centre is **100**.

*This guide was checked in October 2026\. Menus and services change, so if something looks different on your phone, check with your provider.*

## Common questions

### What is the MTN MoMo balance code?

Dial \*170#, choose My Wallet, then the balance option, and enter your PIN. The MoMo app also shows your balance after you log in.

### Can someone check my MoMo balance without my PIN?

No. Checking your balance needs your PIN, which is another reason never to share it.

### Why is my balance different from what the SMS said?

Trust the balance in the \*170# menu or the app. Text messages can be faked; your real balance cannot.

### How do I see my past MoMo transactions?

Request a statement through \*170# (My Wallet, then Statements), the MoMo app, or MTN’s statements website.

## Sources

- [MTN Ghana help centre: MoMo App](https://help-center.mtn.com.gh/hc/en-us/articles/26049621330706?ref=chale.tech)
- [MTN Ghana help centre: How do I check the status of a transaction I just initiated?](https://help-center.mtn.com.gh/hc/en-us/articles/8521842130066?ref=chale.tech)
- [MTN Ghana help centre: How does the Check Transaction Status option work?](https://help-center.mtn.com.gh/hc/en-us/articles/8521894708242?ref=chale.tech)
- [MTN Ghana help centre: Mobile Money statement request](https://help-center.mtn.com.gh/hc/en-us/articles/4407383857682?ref=chale.tech)
- [MTN Ghana help centre: Mobile Money Statement Request (statements.mtn.com.gh)](https://help-center.mtn.com.gh/hc/en-us/articles/36982586705298?ref=chale.tech)
- [MTN Ghana help centre: How can I keep my MoMo wallet safe?](https://help-center.mtn.com.gh/hc/en-us/articles/36643577740690?ref=chale.tech)