Staying safe from MoMo scams
Scammers rely on pressure and surprise. These are the tricks we see most often, and what to do instead.
Common scams
“I sent money to you by mistake”
You get a fake "payment received" text, or a real small payment, then a call begging you to send it back. Check your real balance in the app. If you didn't expect the payment, don't send anything: tap I didn't expect this payment on it and we'll handle it.
Fake customer care
Someone claiming to be MoMo or bank staff says your account will be blocked unless you share a code or approve a prompt. Hang up. Real staff never need your PIN or codes.
Too-good-to-be-true offers
Prizes, promotions, jobs or loans that need a "fee" first. If you must pay to receive money, it's a scam.
Pressure and urgency
"Pay now or lose it", a relative "in trouble", a seller who won't wait. Slow down and call the person on a number you already know.
Wrong name on the wallet
The person says they're Kwame, but the wallet is registered to someone else. Stop: that's the moment to ask questions.
SIM swap
Your phone suddenly loses signal and you can't make calls. Contact your network and Kinga Mobile at once: someone may have taken over your number.
How Kinga Mobile protects you
Name check before you pay
You see the wallet's registered name and whether it matches the recipient's Ghana Card.
Warnings you must read
For risky payments you tick a box confirming nobody is pressuring you before you can continue.
Payments held for checking
Large or unusual first payments are checked by our team before the money moves.
Shared scam-number list
When customers report a number and we confirm it, it's blocked for everyone, and recent payers are warned by SMS.
Alerts for every change
Payments, PIN changes and new fingerprint devices are all texted to you.
If something goes wrong
- Don't send more money or share any codes.
- Open the payment in the app and tap Something wrong? to report it, or use Report a scam number on the Send page.
- If you think someone has access to your account, change your password and PIN, and ask us to sign you out everywhere and remove fingerprint devices.