Scammers are employing new techniques to move your money without your knowledge as a result of the growing prevalence of MoMo fraud and the apparent recognition of earlier strategies. In order to help you avoid being a victim, I will share my experience of this.

You may pay less for more data with a new low-cost bundle offer from MTN, Airtel, and Telecel. Now, scammers and fraudsters are using this opportunity.

By paying and registering, anyone can become an agent, and they frequently offer these packages for sale at various costs. You must submit money to the agent in order for them to activate the bundle for you. You can interact with the agent directly if you know them personally. On the other hand, issues arise when the agent is online. When I told an agent on TikTok that I was interested in purchasing data, he gave me a very low price. Although they frequently add their markup, I was aware that the bundle itself was cheap.

In order for him to activate it for me, he requested that I send the money first. I was persuaded and sent the money after a protracted discussion in which I attempted to verify his legitimacy. He assured me it would only take five minutes, but I didn't hear back from him after 10. He told me he was working on it when I called, but there had been no update. He said there were network problems after I called again and advised me to use a shortcode to activate the bundle on my end. He told me to call a shortcode that put me in contact with Nagrat, who informed me that they required a staff ID.


When he asked for mine, I explained that I didn’t have one. He then said a six-digit code from MTN 2.0 would be sent to me, and I should add my MoMo PIN to make it 10 digits to activate my data. At this point, I was skeptical and hesitated. I questioned why he needed my PIN, and he claimed it was necessary for MTN to activate the service since they'll be debiting me next time I buy the data from my end. His explanations were confusing, but since I thought I wasn’t giving him my code directly, I felt somewhat confident and proceeded.

I got another notice stating that the staff ID was incorrect after entering the code. I questioned why, and he explained that I needed to register using a staff ID because I was a new user. He argued that since I had already contacted the ten-digit number on Nagrat, if I gave him my ID to register me as a new user, it would work this time. He asked me to stay on the line while he worked on it after I gave it to him. When I called him back after he hung up, he inquired as to whether my number was a new SIM. He suggested using my old SIM for the procedure once I verified it was, which heightened my doubts even further.
When I saw a transfer from my wallet to an unidentified number, I made the decision to end the call and was ready to call MTN. I was taken aback! I called MTN right away, told them everything, and they confirmed that it was a scam. The agent asked me why I gave out the MTN 2.0 code, which is specifically instructed not to be given with anybody, not even MTN staff. I knew that warning had slipped my mind. Where had my eyes been then? According to the representative, the MTN 2.0 code is used to access the MyMTN app. This means that the fraudster used the code to access my account and transfer my money using my PIN, which was all contained in the 10-digit "ID."

In an attempt to get my money back, I thanked her and reported the scam. Never divulge your PIN or any codes that have been supplied to you, please remember. To avoid becoming a victim of these frauds, always read the statements that are connected to codes. If you have any questions, phone 100 for explanation. If scams are still occurring, I wonder how the Ghana card that links to SIMs is assisting.