---
title: "MoMo: Money Transfers, Bill Payments and Airtime"
description: "Send and receive money, pay utility bills, buy airtime/data and scan QR to pay merchants with MTN MoMo in 14 African countries."
canonical_url: "https://liners.com/momo"
markdown_url: "https://liners.com/momo.md"
type: "product"
language: "en"
image: "https://assets.liners.com/storage/v1/object/public/media/tools/momo/screenshot.webp?v=1771783182245"
published_at: "2026-02-22T18:08:55.487Z"
updated_at: "2026-08-31T07:45:56.091Z"
---

# MoMo: Money Transfers, Bill Payments and Airtime

Send and receive money, pay utility bills, buy airtime/data and scan QR to pay merchants with MTN MoMo in 14 African countries.

## Breadcrumbs

- [Fintech](/categories/fintech)
- [MoMo](/momo)

## Summary

Send, receive, and pay with mobile money across Africa

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.

## Product details

| Field | Value |
| --- | --- |
| Website | https://momo.mtn.com/ |
| Tagline | Send, receive, and pay with mobile money across Africa |
| Primary country | South Africa |
| Platforms | Android, iOS, Web, API |
| Average rating | 4.7 |
| Published reviews | 7 |
| Verified listing | Yes |

## About the product

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).

## Features

- [Fintech](/categories/fintech): Category
- [B2C](/tags/b2c): Product feature or technology
- [Bill Payments](/tags/bill-payments): Product feature or technology
- [Mobile Money](/tags/mobile-money): Product feature or technology
- [Benin](/countries/benin): Market
- [Cameroon](/countries/cameroon): Market
- [Congo](/countries/congo): Market
- [Côte d'Ivoire](/countries/cote-divoire): Market
- [Eswatini](/countries/eswatini): Market
- [Ghana](/countries/ghana): Market
- [Liberia](/countries/liberia): Market
- [Nigeria](/countries/nigeria): Market
- [Rwanda](/countries/rwanda): Market
- [South Africa](/countries/south-africa): Market
- [South Sudan](/countries/south-sudan): Market
- [Sudan](/countries/sudan): Market
- [Uganda](/countries/uganda): Market
- [Zambia](/countries/zambia): Market

## Related pages

- [Alternatives](/momo/alternatives)
- [Reviews](/momo/reviews)
- [Transparency](/momo/transparency)

## Access and citation

- [Canonical HTML page](https://liners.com/momo)
- [Markdown route index](/sitemap.md)
- [Agent access guide](/llms.txt)