Access your 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.

Available services

Through MoMo, you can:

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

And more features are always being introduced.

Money vouchers

You can send a money voucher to anyone in South Africa with a cellphone number.

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

Data usage

MoMo is zero-rated, which means you can use it as much as you like without using or even needing airtime or data.

Depositing cash

You can deposit money into your MoMo account — cash-in — using a:

Bank card
Use the MoMo app or dial _*120_*151# to transfer money from a bank card.
This is a free transaction.

MTN Store
Visit any MTN Store and speak to an agent who will accept cash and credit it to your account.
This is a free transaction.

MoMo agent
Any MoMo agent will accept cash and credit it to your account.
A fee applies for transaction.

Withdrawing cash

You can withdraw money from your MoMo account — cash-out — 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.

MoMo charges

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

MoMo agents

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 

Account eligibility

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.