As a service, MoMo enables you to store, send, and receive money using your phone. No bank account is needed, and the service works on every type of cellphone, including 3G feature phones.

How do I access my MoMo account?

‍You have full access to your account 24/7 every day of the year. 

‍USSD 
‍Dial *120*151# and follow the onscreen menu to manage your account or make payments.

‍MoMo App 
‍Download and install the MoMo app for a full in-app banking experience.

• Send and receive money to and from other MoMo customers.
• Cash-in and cash-out at any MoMo agent.
• Cash-out from ATMs.
• Buy MTN airtime and bundles.
• Pay for products and services from participating merchants.
• Buy prepaid electricity.
• Pay your DStv account.

All money vouchers can be cashed-out by a MoMo agent or at any MTN Store.

The MoMo App and USSD are zero-rated, meaning that you don't use any airtime or data to use the service.

There are several ways to cash-in:
1. Through the MoMo App.
2. Dial *120*151# and follow the onscreen menu.
3. Visit an MTN Store.
4. Any MoMo agent will accept cash and credit it to your account. A fee applies for transaction.

Note: USSD functionality is only available to MTN subscribers

You can withdraw money from your MoMo account at: 

‍MTN Store 
‍Visit any MTN Store and speak to an agent who will provide you with the cash amount you want to withdraw. 

‍MoMo Agent 
‍Any MoMo agent will provide you with the cash amount you want to withdraw. 

‍Bank Account 
‍Use the MoMo app or dial *120*151# to transfer money from your MoMo account to a local bank account. A standard fee of 2% applies to each transaction.

MTN MoMo Members enjoy zero transaction fees on electricity purchases, bill payments, Lotto, airtime, vouchers and betting.

There are no monthly service fees, and you only pay for certain transactions.  Please review the MoMo fee structure for more information.

You don’t need a bank account to use MoMo, but certain features are exclusive to MTN customers. 

‍MoMo App 
‍Anyone on any service provider can use and transact on the app. 

‍USSD 
‍Only MTN customers can dial *120*151# to manage their MoMo account.

Anyone business can join the MoMo merchant network, and anyone can join the MoMo agent network.

To sign up: Dial 083 135 and speak to an agent or email  momo@mtn.com 

Kindly call 135 from your MTN line for assistance regarding your query.