Don't lose guard.
Protect your MoMo.

MoMo Cover
LTX MoMo dashboard showing Cover active

Fraud, theft and SIM-swap cover for your MTN MoMo wallet, from GHS 2 a month. Claim by app or USSD and get paid back to the same number.

Start for GHS 2/month qr_code_2 arrow_downward

* No card or paperwork required

Cover that works on any phone, in the app or by USSD.

smartphone dialpad
Dial *170# arrow_outward
01Fraud reimbursement

Kill the fraud
before it costs you

Account takeover, phishing and SIM-swap losses paid back to your MoMo wallet, up to your cover limit.

  • Account takeover and phishing
  • SIM-swap fraud
  • Paid back to the same MoMo number
02Wallet theft cover

Phone gone?
Your money isn't

Funds drained after a phone is stolen are reimbursed up to your cover limit. File in the app, by USSD, or on WhatsApp.

  • Claim in-app, by USSD or WhatsApp
  • Written reason if a claim is rejected
  • Re-file any time with new evidence
03Family add-on

One policy, the whole household

Extend protection to up to four household wallets under a single policy.

account_balance_wallet
Your walletCovered
family_restroom
+ 3 family walletsCovered on the same policy
04AI fraud alerts

A heads-up before money moves

Real-time signals when something looks off, before money leaves your wallet.

notifications_active
Unusual transfer flaggedConfirm it was you
verified_user
Wallet securedNo money left your wallet
Cover starts from

GHS 2

a month, debited straight from your MoMo wallet. No card, no paperwork.

3 minFrom MoMo number to active cover
4 walletsOn one policy with the family add-on
7 daysGrace period if you need to top up
Who it's for

Built for everyone
on mobile money

Whether you're a trader, a student or running the family budget, your wallet is worth protecting.

Your wallet is your till

Takings sit in MoMo all day. If a scammer or thief gets in, fraud and theft cover pays you back so the shop keeps running.

Join the waitlist
storefront
Shop wallet coveredFraud + theft cover active
lock
Login from new phone blockedConfirm it was you
payments
Claim paidBack to your MoMo number

Fees and pocket money, covered

Phishing messages and fake "wrong transfer" calls target students. Cover starts at GHS 2 a month.

Join the waitlist
school
Cover activeFrom GHS 2/month
notifications_active
Unusual transfer flaggedBefore money leaves
verified_user
Wallet securedNothing lost

Everyone at home, one policy

Add up to four household wallets with the family add-on, so the whole household is protected.

Join the waitlist
account_balance_wallet
Your walletCovered
family_restroom
+ 3 family walletsSame policy
receipt_long
One monthly premiumDebited from your wallet

Salary lands safely

Your pay arrives by MoMo. If your SIM is swapped or phone stolen before you spend it, you can claim it back.

Join the waitlist
work
Salary receivedWallet covered
sim_card_alert
SIM-swap detectedWallet paused for review
payments
Claim paidBack to your MoMo number

Help your customers get covered

MoMo agents can enrol customers on the spot. Apply to become an agent in minutes.

Join the waitlist
support_agent
New customer enrolledCover active
badge
KYC verifiedGhana Card + selfie
qr_code_2
Scan to onboardEnrol from any phone
How it works

Getting protected
is simple

Three minutes from MoMo number to active cover.

01

Enrol your wallet

Type your MoMo number, and we pull your KYC live and run a quick selfie + Ghana Card scan.

Enrol your wallet
02

Pick your cover

Three plans from GHS 2 a month. Family add-on covers up to three loved ones too.

Pick your cover
03

You're covered

Your certificate is live the moment your first premium clears. File a claim in-app, USSD, or WhatsApp.

You're covered
Plans

Pick what fits
your wallet

Core

Core 路 Basic

GHS 2 /month
  • Up to GHS 1,000 fraud cover
  • Up to GHS 500 theft cover
Choose Core 路 Basic

Core

Popular

Core 路 Plus

GHS 5 /month
  • Up to GHS 5,000 fraud cover
  • Up to GHS 2,500 theft cover
Choose Core 路 Plus

Add-on

Family add-on

GHS 3 /month
  • Up to GHS 1,000 fraud cover
  • Up to GHS 500 theft cover
Choose Family add-on
FAQ

Got
questions?

We've answered the most common ones here. Still curious? Reach out to us directly, we're here to help.

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How is the premium charged?

Monthly, debited from your MTN MoMo wallet. 7-day grace period if you need to top up.

Is my Ghana Card data safe?

Yes. Your Ghana Card number, card photo and selfie are encrypted at rest and used only to confirm your enrollment. LTX operates under the Data Protection Act.

What if a claim is rejected?

You get a written reason and can re-file with new evidence at any time.

Can I cancel anytime?

Yes. Stop the monthly premium and your cover ends at the next renewal. No exit fees.

Does it cover money sent to the wrong number?

No. That is a transaction error, not fraud. Fraud cover applies to unauthorized wallet activity.

How do I file a claim?

In the app, by USSD *170#, via WhatsApp, or at any MTN MoMo agent.