What is Momo and how does it work?

Momo is a mobile money service that lets you manage your finances through your phone. You can send and receive money locally and internationally, pay bills, buy airtime and data, make purchases with QR codes, access loans, and store money securely in a digital wallet linked to your mobile number.

How much does Momo cost?

Momo has no monthly fees. Many services like bill payments, airtime purchases, and transfers are free, though some transactions may have negotiable fees depending on usage volume.

What countries does Momo operate in?

Momo operates in Ghana, Côte d'Ivoire, Cameroon, Uganda, Zambia, Benin, and South Africa, with Ghana being the main user base.

How do I sign up for Momo?

You can register for a Momo account in minutes using your MTN mobile number through the Momo app or by visiting momo.mtn.com.

Does Momo have a mobile app?

Yes, Momo has mobile apps available on both Android (Google Play) and iOS (Apple App Store).

Who is Momo best suited for?

Momo is suited for anyone with a mobile phone who wants to manage finances without traditional banking, including consumers making everyday transactions and informal traders or entrepreneurs accepting payments through a Momo Business wallet.

Does Momo have a plan for teams or businesses?

Yes, Momo offers a Business wallet for informal traders and entrepreneurs that allows them to accept QR payments for free and receive payments directly into their business wallet without transaction fees.

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Momo: Send, receive, and pay with mobile money across… – Liners

Momo

🇧🇯 Benin 🇨🇲 Cameroon 🇨🇬 Congo+12 more

A mobile money app for consumers to send and receive money, pay bills, buy airtime and data, and make merchant and online payments in select African markets.

Available on:AndroidiOS

Visit Momo

MTN MoMo is a mobile money service for individual consumers who need to send and receive money, pay for everyday services, and make purchases from a phone.

Key capabilities include:

Local and international transfers, allowing users to send and receive money for personal transactions
Bill payments and recurring payments for services such as utilities, school fees, and subscriptions
Airtime and data purchases, including support for non-MTN networks (where available)
Merchant payments, including QR code scan-to-pay, plus options such as CashOut, deposits, and withdrawals

Available on Android and iOS.

Built primarily for B2C use cases, including peer-to-peer transfers, day-to-day bill payments, and small in-person purchases.

It is notable in African markets for its availability across multiple MTN operating countries, including Ghana, Côte d'Ivoire, Cameroon, Uganda, Zambia, Benin, Liberia, Rwanda, and the Republic of Guinea, and for extending beyond transfers into in-app payments such as virtual cards for online shopping, plus loans and savings options (availability varies by market).

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Fintech