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.

Manage your account around the clock, 365 days a year on the MoMo App or dial *120*151#

• Send and receive money to and from other MoMo customers.
• Cash-in (make a deposit) and cash-out (make a withdrawal) with any MoMo agent.
• Cash-out from ATMs.
• Buy MTN airtime and bundles.
• Pay for products and services from a participating MoMo merchant.
• Buy prepaid electricity.
• Pay your DStv account.

You can send a money voucher locally to anyone with an active cellphone number. The recipient can then cash-out at a MoMo agent or an 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. Use a MoMo agent

Note: USSD functionality is only available to MTN subscribers

Cash-out by:
1. Visiting any MTN Store.
2. Using the services of a MoMo agent.

You can choose the cash amount or a bank account to send it to.

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