Send Money to MTN Mobile Money (MoMo)

MTN Mobile Money (MoMo) is one of Africa's largest mobile money platforms, operating across 16 countries with over 60 million active wallets. In Ghana, it is the dominant way to receive international transfers, especially for recipients without traditional bank accounts.

How to receive money via MTN Mobile Money (MoMo)

1. The sender chooses mobile money delivery on their remittance provider and enters the recipient's MTN MoMo phone number.
2. The provider converts funds to GHS and routes them through MTN's mobile money API.
3. The recipient receives an SMS and in-app notification confirming the deposit.
4. Funds can be used immediately for payments, transfers, or cash withdrawal at MTN MoMo agents.

MTN Mobile Money (MoMo): advantages and limitations

Advantages

• Available across 16 African countries, making cross-border transfers within Africa easy
• Works on basic feature phones via USSD (*170#), no smartphone needed
• Large agent network for cash withdrawal even in rural areas
• Instant delivery once the remittance provider processes the transfer

Limitations

• Cash withdrawal fees at agents vary and can add up on larger amounts
• Transaction limits are lower than bank transfers in some markets
• Currency availability limited to the country of registration

Transaction limits and withdrawal notes

Receive limits: Up to GHS 10,000 per transaction; GHS 20,000 daily limit for enhanced accounts

Withdrawal note: Receiving international transfers is free; agent cash-out fees vary by market

Crypto-to-wallet delivery

USDC can be sold on Quidax (which supports GHS withdrawals) and transferred to an MTN MoMo wallet. Crypto-to-mobile-money bridges are emerging in the Ghanaian market.

Top corridors for MTN Mobile Money (MoMo)

• USD → GHS
• GBP → GHS
• EUR → GHS

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Frequently asked questions

How do I send money to MTN Mobile Money from the US or UK?

Use a remittance provider like WorldRemit, Wise, or Remitly. Select mobile money as the delivery method, choose MTN as the network, and enter the recipient's phone number. The money typically arrives within minutes.

Which countries have MTN Mobile Money?

MTN MoMo operates in 16 African markets including Ghana, Uganda, Cameroon, Rwanda, Ivory Coast, Benin, Congo, Guinea, Liberia, South Sudan, Zambia, and more. Ghana and Uganda are the largest markets by transaction volume.

What are the fees for receiving money on MTN MoMo?

Receiving international remittances on MTN MoMo is free. The sender pays the transfer fee to their remittance provider. Withdrawing cash at an agent point incurs a fee that varies by market — check your local MTN MoMo agent for current rates.

Is MTN MoMo safe for receiving remittances?

Yes. MTN MoMo is regulated by the central banks of each operating country. Accounts require SIM registration and KYC verification. Transaction confirmations are sent via SMS, and PIN protection secures all withdrawals.

Can I receive money from crypto on MTN MoMo?

Not directly. You can sell USDC or USDT on exchanges like Quidax that support GHS, then withdraw to your MTN MoMo wallet. Direct crypto-to-MoMo bridges are being developed by several African fintech companies.

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