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| MoMo Bank USSD Code Nigeria 2026 |
MoMo Bank USSD code Nigeria 2026 explained: learn the official *671# code, transfers, balance checks, airtime, charges, and how to use it easily.
Mobile banking in Nigeria keeps getting smarter, faster, and more inclusive. For millions of users who rely on feature phones or want instant banking without internet access, USSD banking remains essential. That’s why searches for momo bank ussd code nigeria 2026 continue to rise.
In this comprehensive, user-first guide, you’ll learn the official MoMo Bank USSD code, how to use it for transfers, balance checks, airtime purchases, bill payments, common issues, and what’s new in 2026. Everything here is written with accuracy, clarity, and real-world usage in mind.
What Is MoMo Bank Nigeria?
MoMo Bank Nigeria is a Payment Service Bank (PSB) licensed by the Central Bank of Nigeria (CBN) and backed by MTN Group. It was created to expand financial inclusion by offering simple banking services such as:
- Savings accounts
- Money transfers
- Airtime and data purchases
- Bill payments
- Agent banking services
MoMo Bank is regulated by the CBN and operates independently, even though it is closely integrated with MTN’s MoMo ecosystem. You can confirm its regulatory status directly on the Central Bank of Nigeria’s official website, which lists licensed Payment Service Banks operating in Nigeria.
MoMo Bank USSD Code Nigeria 2026 (Official)
As of 2026, the official MoMo Bank USSD code in Nigeria is:
*671#
This single code works across all mobile networks in Nigeria, not just MTN, provided the phone number is linked to a MoMo Bank account.
When users search for momo bank ussd code nigeria 2026, this is the exact code they are looking for.
What You Can Do With the MoMo Bank USSD Code
The MoMo Bank USSD platform is designed to handle everyday banking needs without mobile data. With *671#, users can perform multiple transactions securely.
Core Services Available on *671#
- Check MoMo account balance
- Transfer money to MoMo users
- Transfer money to other Nigerian banks
- Buy airtime for self or others
- Pay utility and TV bills
- Reset or change transaction PIN
- Access customer support options
These features make MoMo Bank one of the most accessible PSB platforms in Nigeria today.
How to Register for MoMo Bank USSD Banking
Before using the MoMo Bank USSD code Nigeria 2026, you must have an active MoMo account.
Registration Options
You can open a MoMo Bank account through:
- The official MoMo App, available on the Google Play Store
- An authorized MoMo agent outlet near you
- MTN service centers offering MoMo onboarding
During registration, your phone number becomes your primary account identifier.
Once registration is complete, USSD access is automatically enabled.
How to Check MoMo Bank Account Balance Using USSD
Checking your balance is one of the most common reasons people use USSD banking.
Steps to Check Balance
- Dial *671#
- Select Check Balance
- Enter your MoMo transaction PIN
- Your balance will appear on your screen instantly
This service works even with zero internet access.
How to Transfer Money Using MoMo Bank USSD
Money transfers are fast, simple, and widely used on the MoMo platform.
Transfer to Another MoMo User
- Dial *671#
- Choose Transfer Money
- Select MoMo to MoMo
- Enter the recipient’s phone number
- Enter amount
- Confirm with your PIN
Transfer to Other Nigerian Banks
- Dial *671#
- Select Transfer Money
- Choose Bank Transfer
- Select recipient bank
- Enter account number and amount
- Confirm with PIN
Transfers are typically instant, depending on network availability.
Airtime and Data Purchase via MoMo Bank USSD
MoMo Bank USSD makes airtime purchases seamless for all networks.
Buy Airtime for Yourself
- Dial *671#
- Select Buy Airtime
- Choose Self
- Enter amount
- Confirm with PIN
Buy Airtime for Others
Follow the same steps but choose Others and input the recipient’s phone number.
This feature is especially useful for users without smartphones or data plans.
Bill Payments Using MoMo Bank USSD
MoMo Bank supports a wide range of bill payments directly from USSD.
Supported payments include:
- Electricity (prepaid and postpaid)
- Cable TV subscriptions
- Internet services
- Selected government and utility payments
To pay bills:
- Dial *671#
- Select Pay Bills
- Choose the service provider
- Enter required details
- Confirm with PIN
For supported billers, MoMo Bank integrates with official service platforms to ensure secure processing.
MoMo Bank USSD Charges in Nigeria (2026)
Understanding fees helps users plan better.
Typical Charges
- USSD session fee: As regulated by NCC and telcos
- Transfers: Low-cost, usually below traditional banks
- Airtime purchase: No extra charge
- Bill payments: Provider-dependent
Fee structures are periodically reviewed, and updated details are always published on MoMo Bank’s official website and customer communication channels.
Security Features of MoMo Bank USSD
Security remains a major concern for USSD banking users. MoMo Bank uses multiple safeguards:
- Mandatory transaction PIN
- Session timeouts
- Phone number verification
- Real-time SMS alerts
Users are strongly advised never to share their PIN and to report suspicious activity immediately through MoMo Bank’s official customer support channels.
Common Problems With MoMo Bank USSD and Solutions
Even reliable platforms can face occasional issues.
USSD Code Not Working
Possible causes:
- Network downtime
- Incorrect SIM linked to account
- Temporary service maintenance
Solution:
- Try again later
- Ensure you are using your registered phone number
- Contact MoMo customer support if the issue persists
Transaction Failed but Debited
In most cases, failed transactions are reversed automatically. If not, users can escalate through MoMo Bank support with transaction details.
MoMo Bank vs Other Nigerian USSD Banking Platforms
Compared to traditional banks and fintechs, MoMo Bank stands out for:
- Nationwide agent coverage
- Strong offline accessibility
- Integration with telecom infrastructure
- Focus on unbanked and underbanked users
This makes momo bank ussd code nigeria 2026 a frequent search among students, traders, rural users, and small businesses.
If you haven’t activated MoMo Bank yet, visit the official MoMo Bank Nigeria platform today or speak to a nearby MoMo agent to get started. USSD banking works on any phone — no data required.
What’s New With MoMo Bank USSD in 2026?
By 2026, MoMo Bank has improved:
- Faster USSD response times
- Expanded bill payment options
- Improved transaction success rates
- Better customer support escalation
These upgrades reflect the CBN’s ongoing push for cashless transactions and broader financial inclusion.
Who Should Use MoMo Bank USSD?
MoMo Bank USSD is ideal for:
- Users without smartphones
- People in areas with poor internet access
- Small traders and market vendors
- Students and daily wage earners
- Anyone who prefers fast, simple banking
Its simplicity is its biggest strength.
Conclusion: MoMo Bank USSD Code Nigeria 2026 Explained
To summarize, the MoMo Bank USSD code Nigeria 2026 is *671#, and it remains one of the most reliable ways to bank without internet access in Nigeria.
With this single code, users can:
- Check balances
- Send and receive money
- Buy airtime
- Pay bills
- Manage everyday finances securely
MoMo Bank continues to play a major role in Nigeria’s digital finance ecosystem, especially for users who value speed, accessibility, and simplicity.
Dial *671# today and experience stress-free mobile banking anywhere in Nigeria.
