How to Create MTN Transfer PIN: Step‑by‑Step Guide for 2026

How to Create MTN Transfer PIN 

Learn how to create MTN transfer PIN in 2026 with easy USSD, SMS, and MyMTN app steps. Get secure airtime transfer PIN setup & tips for safe airtime sharing.

Want to transfer airtime to friends or family but can’t because you don’t know how to set up your security code first? You’re in the right place. In this guide, you’ll learn how to create MTN transfer PIN quickly and securely so you can use MTN Share (formerly Share ’N’ Sell) without any hassles. Whether you prefer using USSD, SMS, or the MyMTN app, this article covers all methods in simple, up‑to‑date language.

Let’s get started!

Why You Need a Transfer PIN

Before you can transfer MTN airtime to another MTN number, you must set up a 4‑digit transfer PIN. This PIN acts as a security lock so only you can authorize airtime transfers from your line. The default code (usually 0000) must be changed to your own unique PIN before you attempt any airtime sharing.

Without this PIN, your airtime transfer request will be declined for security reasons, even if you use the correct USSD or SMS command.

What Is the MTN Transfer PIN?

The MTN transfer PIN is a 4‑digit security code used when you transfer airtime from your MTN line to someone else’s. It protects your airtime balance and ensures that no unauthorized user can send airtime from your account without your permission.

This PIN is different from your SIM or phone lock PIN. It specifically secures the MTN Share service.

Method 1: Create MTN Transfer PIN Using USSD

One of the easiest ways to create your MTN transfer PIN is by using the USSD menu on your phone.

🔹 Step‑By‑Step

1. Open the dialer on your phone and ensure your MTN SIM is active.
2. Dial the USSD code:

   *321*Default PIN*New PIN*New PIN#
   

   For example, if your default PIN is 0000 and your new PIN is 1234, you would dial:

   *321*0000*1234*1234#
   

3. Press Send/OK to submit.

What Happens Next?

After sending the code, you’ll receive an SMS confirming that your PIN has been changed successfully. This new PIN will be used for all future airtime transfers.

Tip: Choose a 4‑digit number that’s easy for you to remember but hard for others to guess.

Method 2: Create MTN Transfer PIN Using SMS

If you prefer not to use USSD, you can also set your MTN transfer PIN with a simple SMS.

🔹 Step‑By‑Step

1. Open the SMS app on your phone.
2. Compose a message in this format:

   DefaultPIN NewPIN NewPIN
   

   Using our earlier example:

   0000 1234 1234
   

3. Send this SMS to 321.

You’ll receive an SMS confirming your new PIN has been set successfully.

Method 3: Set Up PIN Using the MyMTN App

If you use a smartphone, the MyMTN Nigeria app provides a graphical interface that many users find easier than manual USSD or SMS codes.

🔹 Steps to Follow

1. Download the MyMTN Nigeria app from the Google Play Store or Apple App Store.
2. Log in with your MTN phone number.
3. Navigate to the “Share” or “Airtime Transfer” section.
4. Look for Create PIN or Set Up Transfer PIN.
5. Enter the default PIN (0000) and then your preferred new PIN.

The app will usually send a confirmation message once your new PIN is successfully activated.

Why You Must Change the Default PIN

MTN issues a default PIN of 0000 for airtime transfers. Leaving it unchanged poses a security risk because anyone with access to your phone could potentially transfer airtime without your consent. Changing the PIN protects your balance and keeps your wallet safe.

How to Transfer Airtime After Creating Your PIN

Once your transfer PIN is set, sending airtime is easy:

🔹 Transfer Using USSD

1. Open the dialer.
2. Enter the airtime transfer code in this format:

   *321*RecipientNumber*Amount*YourPIN#
   

   Example:

   *321*08031234567*500*1234#
   

3. Press Send/OK.

You’ll receive a confirmation message indicating the transfer was successful.

Resetting or Changing Your Transfer PIN

If you ever want to update your PIN again (for example, if you forgot it or suspect it was compromised), simply repeat the USSD or SMS setup steps using your current PIN as the old PIN in the format:

*321*OldPIN*NewPIN*NewPIN#

or send:

OldPIN NewPIN NewPIN

to 321.

You’ll get a confirmation message once the reset is complete.

What If You Forget Your Transfer PIN?

If you forget your transfer PIN and are unable to reset it using the standard USSD/SMS methods, you may need help from MTN customer support. Dial 180 from your MTN line for assistance, or visit an MTN service center with a valid ID to request a PIN reset.

Tips for Securing Your Transfer PIN

Keeping your transfer PIN secure helps prevent unauthorized airtime transfers. Here are some practical tips:

• Never share your transfer PIN with anyone—even friends.
• Avoid using a PIN that matches predictable numbers like birthdays.
• Change your PIN periodically for enhanced security.
• Beware of phishing attempts or unsolicited calls asking for your PIN.

MTN will never call or ask you to reveal your PIN over the phone, so if anyone does, treat it as a scam and decline. (This advice is also supported by general telecom safety guidelines widely shared by cybersecurity experts.)

Common Mistakes to Avoid

Here are common errors users make when setting up their transfer PIN—and how to avoid them:

Mistake	Solution
Using easy‑to‑guess PINs (e.g., 1234)	Use a unique combination only you know
Forgetting the PIN	Save it securely or use the MyMTN app to manage it
Entering wrong default PIN	Ensure you start with 0000 when creating your first PIN
Sharing PIN with friends	Keep it private for security

Now that you know how to create MTN transfer PIN, don’t wait until you need it! Set up your PIN today using USSD, SMS, or the MyMTN app—so you can share airtime with ease whenever you need to.

By following the steps in this guide, you’ll have your MTN transfer PIN ready in minutes and be able to share airtime confidently and securely with family and friends.

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