How to Withdraw from MTN MoMo Wallet or Transfer to Bank Account (2025 Guide)

 How to Withdraw from MTN MoMo Wallet or Transfer to Bank Account (2025 Guide)

Want to withdraw your MTN MoMo Wallet funds or send money to your bank account in 2025? This guide explains the fastest ways to withdraw cash or transfer money, including using agents, bank transfer, and MoMo USSD codes.

1. How to Withdraw from MTN MoMo Wallet via Agent

This is the most common method in Nigeria.

Steps to Withdraw:

1. Visit any MTN MoMo Agent near you
2. Tell the agent you want to withdraw from your MoMo wallet
3. Provide your MTN number
4. Agent will initiate a withdrawal request
5. You’ll receive a prompt on your phone to confirm with your MoMo PIN
6. Once confirmed, the agent gives you the cash instantly

You must have MoMo balance and a valid PIN

 

2. How to Transfer from MTN MoMo Wallet to Bank Account (2025)

MoMo now allows direct bank transfers using *671#.

Steps:

1. Dial *671# on your MTN line
2. Select “Send Money”
3. Choose “To Bank Account”
4. Select your bank from the list
5. Enter the account number
6. Enter the amount
7. Confirm with your MoMo Wallet PIN

Funds will arrive in the bank account within minutes

3. Transfer Using MoMo Agent App (If You're an Agent)

If you're an MTN MoMo agent or you have access to the app:

• Open the MoMo Agent App
• Select "Transfer to Bank"
• Enter bank details and amount
• Confirm and submit

This method is faster and tracks your transactions better.

Sample Transfer Charges in 2025

Amount	Estimated MoMo Fee
₦1 – ₦5,000	₦10 – ₦20
₦5,001 – ₦10,000	₦25 – ₦35
₦10,001 – ₦20,000	₦40 – ₦50

Charges may vary slightly by location or promo offers.

 

Common Withdrawal Errors & Fixes

Error	Solution
“Insufficient Balance”	Dial *671# to check your MoMo balance
“PIN Incorrect”	Reset your PIN via MoMo menu or call 180
“Invalid Bank”	Ensure bank name is correctly selected
“Transfer not going through”	Try using the MoMo Agent app or retry later