Mobile money has revolutionized financial transactions in Africa, and MTN Mobile Money (MoMo) is one of the most widely used services. Whether you want to send money, pay bills, buy airtime, or even bet online, MoMo makes it fast and secure.
This guide covers everything you need to know—from creating an account to sending money to non-MTN numbers, securing your wallet, and even becoming a MoMo agent.
1. How to Create an MTN MoMo Account
Before using MoMo, you need to register and set up your account. Here’s how:
Step-by-Step Registration:
- Dial *126# on your MTN line.
- Follow the prompts to choose a 5-digit MoMo PIN (keep this secret!).
- Confirm your PIN to activate your account.
✅ Can I Have Multiple MoMo Accounts?
Yes! If you have up to 3 MTN numbers, you can create a separate MoMo account for each.
2. How to Use MTN MoMo After Registration
Once your account is active, you can:
✔ Send money to friends & family
✔ Pay bills (ENEO, water, TV subscriptions)
✔ Buy airtime & data
✔ Withdraw cash at MoMo agents
📌 Quick Access: Just dial *126# anytime to open the MoMo menu.
3. How to Buy Airtime with MoMo
No need to scratch recharge cards—just use MoMo:
Method 1: Via USSD
- Dial *126#
- Select “3” (Airtime & Bundles)
- Choose “1” (Buy Airtime)
- Enter amount & confirm with your MoMo PIN
Method 2: Via MoMo App
- Open the MTN MoMo app
- Select “Buy Airtime”
- Enter the amount & complete the transaction
4. How to Send Money to Non-MTN Numbers
MoMo isn’t just for MTN users—you can send money to any mobile network (Orange, Camtel, etc.). Here’s how:
Step-by-Step Transfer:
- Dial *126#
- Select “1” (Money Transfer)
- Choose “2” (To Non-MTN Number)
- Enter recipient’s phone number
- Enter amount
- Set a 4-digit secret code (the recipient will need this)
- Confirm with your MoMo PIN
📢 Important:
- The recipient won’t receive an SMS—you must send them:
- ✅ Token code (from your transaction SMS)
- ✅ Secret code (the one you created)
- They can withdraw cash at any MTN MoMo agent with their ID card + codes.
Transfer Fees:
| Amount (FCFA) | Fee (FCFA) |
|---|---|
| 100 – 100,000 | 3% of amount |
| 100,001 – 200,500 | 3,100 |
| 200,501 – 400,500 | 3,500 |
| 400,501 – 500,000 | 4,000 |
5. How to Secure Your MoMo Account
Fraud is a risk with mobile money, so protect your account:
🔒 Safety Tips:
- Never share your MoMo PIN—not even with MTN agents!
- Avoid transferring money to unknown numbers.
- If scammed, report immediately via:
- Twitter / Facebook (@MTNCameroon)
- WhatsApp: 683 008 787
- Live Chat on MTN’s website
6. How to Update Your MoMo Account Details
If your registered name doesn’t match your ID, you must update it:
Where to Update?
📍 Visit an MTN agency (not online!)
📋 Bring your ID card for verification
7. How to Become a MoMo Agent (Partner)
Want to earn money by offering MoMo services? Here’s how:
Requirements:
- Letter of commitment (from MTN)
- Agent application form
- 2 passport photos
- Copy of your ID card
- Location map of your business
- Working capital of 1,000,000 FCFA
🚀 Start the process at a Super Agent or MTN agency!
8. How to Bet with 1XBet via MoMo
You can fund your 1XBet account directly from MoMo:
How It Works:
- Create a 1XBet account
- Select “MoMo” as payment method
- Enter amount & confirm (debited from MoMo)
⚠ Issue? If money is deducted but not credited to 1XBet:
- Contact MTN via WhatsApp (683 008 787) with:
- Your full name & phone number
- Transaction ID, amount & date
Final Thoughts
MTN MoMo is fast, secure, and convenient for all financial transactions. Whether you’re sending money, paying bills, or even betting, this guide helps you use MoMo like a pro!
💡 Need help? Dial *126# or visit an MTN agency.
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