Act within minutes
Wrong MoMo transfers are recoverable only sometimes — speed matters. If the recipient has not withdrawn or spent the money, the network may reverse it. After cash-out, recovery is unlikely.
Step 1 — Call the recipient
Dial the number you sent to by mistake. Politely explain the error and ask them to send it back via MoMo. Many honest recipients refund immediately — especially for wrong-digit mistakes to strangers.
Step 2 — Contact your network
- MTN: Call 100 or visit MoMo agent with transaction ID
- Telecel: Customer care via 100 or service centre
- AirtelTigo: 100 or retail shop with SMS receipt
Provide: date, amount, your number, recipient number, and transaction reference from SMS.
Step 3 — Escalate if needed
If the network cannot reverse and the recipient refuses to refund, document everything and consult legal advice for large amounts. Report fraud (not honest wrong-number cases) to police and the telco.
Prevention tips
- Confirm name shown on screen before PIN entry
- Use contact list instead of typing numbers
- Send GHS 1 test for new recipients
- Double-check merchant shortcodes on Ewale
*714*22#bill payments
Related: MoMo fraud protection