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# How to report mobile money fraud in Ghana
- URL: https://chale.tech/how-to-report-momo-fraud/
- Published: 2026-10-17T17:30:00.000Z
- Updated: 2026-10-17T17:30:00.000Z
- Description: Lost money to a MoMo scam, or spotted a fraudster’s number? Here is exactly how to report it to MTN, Telecel or AT, plus the police and the Cyber Security Authority, and what details to have ready.
- Author: Isaac Nana Yaw Annor
- Tags: Fintech & MoMo, Scams

If you have been scammed, the first hour matters most. Reporting quickly gives your provider a chance to hold the money in the fraudster’s wallet before it is cashed out. Here is who to tell, how, and what to have ready.

## Before you call: gather the details

- The **transaction ID** (from your SMS or statement).
- The **amount**, **date** and **time**.
- The **number** the money went to, and any number that called or texted you.
- **Screenshots** of messages, chats or fake alerts.

## Report to MTN MoMo

MTN gives two official ways to report fraud:

### By USSD

1. Dial **\*170#**.
2. Select **6** (My Wallet).
3. Choose **4** (Report Fraud).
4. Select the type: Wrong transfer, New reversal process, Fake SMS, Fake blocking or Fake promotions.
5. Follow the prompts to enter the details.

### By email

Send the details to **mmfraudteam.GH@mtn.com**. You can also call MTN on **100** or **0244300000**, or visit an MTN service centre.

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.

## Report to Telecel Cash or AT Money

- **Telecel Cash:** contact Telecel’s customer call centre or visit a Telecel retail shop. Telecel’s terms say reversals for transactions sent to the wrong recipient are started through those channels.
- **AT Money:** call **100** or visit an AT shop.

## Report to the authorities

- **The police:** report at your nearest station and keep the reference number.
- **The Cyber Security Authority (CSA):** takes reports on its **292** line. Full details in [how to report cybercrime in Ghana](https://chale.tech/how-to-report-cybercrime-in-ghana/).

## After you report

- **Change your PIN** if there is any chance it was exposed.
- **Do not pay anyone who offers to recover your money.** “Recovery agents” are often the same scammers coming back for more.
- **Follow up** with your ticket or reference number.
- **Warn family and friends**, especially older relatives, about the script that was used on you.

## Sent money to the wrong number by mistake?

That is not fraud, but it is just as urgent. MTN lets you start a reversal yourself in \*170# (My Wallet, then Reversal). See [sent MoMo to the wrong number](https://chale.tech/sent-momo-to-the-wrong-number/).

*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

### How do I report MoMo fraud on MTN?

Dial \*170#, choose My Wallet (6), then Report Fraud (4), and pick the type of fraud. Or email mmfraudteam.GH@mtn.com.

### Can I get my money back after MoMo fraud?

Sometimes, if you report fast enough for the provider to hold the money before it is withdrawn. The sooner you report, the better your chances.

### Do I need to go to the police?

It is a good idea, especially for larger amounts. A police report helps with investigations and any later claims.

### What is the Cyber Security Authority number?

The CSA takes reports on its 292 line. See our guide to reporting cybercrime in Ghana for all its channels.

## Sources

- [MTN Ghana help centre: How do I report Mobile Money (MoMo) fraud?](https://help-center.mtn.com.gh/hc/en-us/articles/4405588071314?ref=chale.tech)
- [MTN Ghana help centre: Where do I report a complaint or make enquiries?](https://help-center.mtn.com.gh/hc/en-us/articles/5336768474386?ref=chale.tech)
- [MTN Ghana help centre: Self-Initiated MoMo Reversal](https://help-center.mtn.com.gh/hc/en-us/articles/28353061724946?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)
- [Telecel Ghana Help & Support: Telecel Cash Services Terms & Conditions](https://telecel.com.gh/help?ref=chale.tech)