Discover the MTN MoMo code Nigeria 2026 — your official USSD codes for MTN Mobile Money (MoMo), how to register, send money, buy airtime/data, check balance, cash out and more with step-by-step instructions.
Mobile Money (MoMo) has become one of the most powerful financial tools in Nigeria, especially for users who want cash-less transactions, easy transfers, quick payments, and banking-like convenience right from their phones. MTN’s MoMo ecosystem — officially supported by MoMo PSB (Payment Service Bank) — lets users manage money without needing a traditional bank account. The key to doing all this? The MTN MoMo code Nigeria 2026 and knowing which USSD shortcodes to use for each task.
Whether you’re new to MTN MoMo or just want an updated reference, this guide covers everything you need in clear, step-by-step language.
What Is MTN MoMo (Mobile Money) and Why It Matters
MTN Mobile Money (commonly called MoMo) is a digital payment service that turns your MTN phone number into a financial account. With it, you can:
- Send and receive money instantly
- Pay utility bills (electricity, cable, etc.)
- Buy airtime and data
- Cash out with an agent
- Transfer funds to banks or other wallets
MTN MoMo services are powered through MoMo PSB, a fully licensed Payment Service Bank subsidiary in Nigeria.
This system helps bridge the gap for users who do not have a traditional bank account but need mobile financial services.
MTN MoMo Code Nigeria 2026 — What You Must Know
At the heart of using mobile money on MTN is a short, simple USSD code that you dial on your phone to launch the MoMo menu.
Primary MTN MoMo USSD Code:
*671# — This is the main MTN MoMo code in Nigeria 2026. It gives you access to the full MoMo menu including:
- Opening or logging into your MoMo wallet
- Sending money
- Buying airtime and data
- Paying bills
- Checking balance
- Transferring to bank accounts
This code works on any MTN-registered SIM in Nigeria and does not require internet or a smartphone — just dial and follow the prompts.
How to Register or Open a MoMo Wallet
Even if you’ve never used Mobile Money before, you can set up your account instantly with the MTN MoMo code Nigeria 2026. Here’s how:
- Open your phone’s dialer on your MTN number.
- Dial
*671#— the MoMo PSB menu appears. - Select “Open Wallet” or the registration option.
- Enter your personal details as prompted.
- Set a 4-digit PIN to secure your wallet (this protects your funds).
- Wait for a confirmation SMS.
Once done, your MTN number becomes your MoMo wallet ID, and you can start using money services immediately.
Pro tip: Save your MoMo PIN somewhere secure — never share it with anyone.
How to Send Money Using the MTN MoMo Code
Sending money is one of the most common transactions with MoMo.
- Dial
*671#on your MTN phone. - Choose the “Send Money” option.
- Select whether you’re sending to another MoMo wallet or bank account.
- Enter the recipient’s phone number or bank details.
- Type the amount you want to send.
- Confirm with your MoMo PIN.
Your recipient will get the funds instantly, whether they’re on MTN MoMo or a linked bank account.
Buy Airtime or Data via MTN MoMo
You can also use the MTN MoMo code Nigeria 2026 to buy airtime or data directly from your wallet:
- Dial
*671#. - Select “Buy Airtime/Data.”
- Enter the phone number you want to top up.
- Choose the amount or data bundle.
- Confirm with your PIN.
This is especially handy when your airtime balance is low and your MoMo wallet has funds.
Transfer from MoMo to Bank
Transferring money from your Mobile Money wallet to a bank account is straightforward:
- Dial
*671#. - Select “Send Money.”
- Choose “To Bank Account.”
- Pick the bank name.
- Enter the account number and amount.
- Confirm with your PIN.
Funds typically post instantly or within minutes, depending on the bank’s processing.
This feature turns MoMo into a viable alternative to traditional bank apps — especially for those without bank accounts.
Check Your MoMo Wallet Balance
Keeping track of your funds is critical. You can check your balance at any time using the MTN MoMo code Nigeria 2026:
- Dial
*671# - Choose the “Check Balance” or “My Account” option from the menu
- Your current wallet balance displays on screen
This quick check helps you know how much you have left before sending or buying.
How to Fund or Cash-In Your MoMo Wallet
Fund Your Wallet via Bank
You can fund your MoMo wallet by transferring from a bank:
- Use your bank’s USSD code (e.g., 73722AmountYourMoMoNumber# for GTBank or 9194MoMoNumberAmount# for UBA) and follow prompts to fund your wallet.
Cash-In via MoMo Agent
Visit a certified MoMo agent to deposit cash directly into your wallet. Agents are usually found in local markets and shops across Nigeria.
Fund from Another Wallet
Friends or family with MoMo can send you money using your phone number as the destination account.
Pay Bills and Other Services with MoMo
With your MoMo wallet, you can pay bills such as electricity, cable subscriptions (DSTV, GOtv), and more:
- Dial
*671# - Select “Pay Bills”
- Choose the bill type (Electricity, TV, etc.)
- Enter account details and amount
- Confirm with your PIN
This turns your phone into a mobile cashier, saving time and avoiding queues.
Security and Safety Tips for Using MTN MoMo
MoMo makes financial life easier, but safety matters:
- Never share your PIN or OTP codes with anyone.
- Use only verified MoMo agents for cash transactions.
- Regularly change your PIN from the menu for better security.
- Always check transaction SMS confirmations after each transfer.
If you notice unauthorized activity, contact MTN customer care *300 (from MTN) or your registered support channels. Always use official apps or USSD codes — avoid suspicious links or third-party shortcuts.
Ready to activate your MoMo wallet? Dial *671# now on your MTN line and follow the easy prompts to open your account, start sending money, or pay bills — all without internet or a bank account!
Conclusion: Mastering the MTN MoMo Code Nigeria 2026
The MTN MoMo code Nigeria 2026 — primarily *671# — is your gateway to frictionless mobile finance. From opening your wallet to sending money, buying airtime/data, paying bills, checking balance, or transferring to banks, this code empowers MTN users to do more with their money, faster and more securely.
Understanding and using this code effectively can save time, reduce cost, and bring convenient money management to your fingertips — especially in places where traditional banking is less accessible.
Dial *671# now on your MTN phone and explore all MTN MoMo features — start managing your money smarter today!