How do I open a MoMo account by USSD?
- Dial *671# on your MTN line and press call.
- Create a secure 4-digit PIN when prompted.
- Confirm the PIN by entering it again.
- Wait for the confirmation SMS. Your account is ready as soon as it arrives.
This is a quick, USSD-based process that MoMo's own site describes as taking less than a minute, and it doesn't cost anything to open.
How do I open a MoMo account through the app?
Download the MoMo PSB app from the App Store or Google Play as an alternative to USSD. It gives you the same wallet with a fuller interface for managing transactions, though *671# remains the faster route if you just want the account open quickly.
What can I do with a MoMo account?
- Send and receive money to any phone number for free.
- Transfer funds between your bank account and your MoMo wallet.
- Withdraw cash through cashless withdrawal options or a MoMo agent.
Is MTN MoMo a real bank?
In Nigeria, MoMo operates as MoMo PSB, a Payment Service Bank, a regulated banking entity distinct from MTN's telecom operations, even though it's part of the wider MTN group. This matters because it means your MoMo wallet is a regulated financial account, not just an airtime-linked feature.
People also ask
Do I need to be an MTN subscriber to open a MoMo account?
The *671# USSD route requires an MTN line, since it's dialed directly on the network. The MoMo PSB app may offer broader access, so check the app if you're not on MTN.
What if I forget my MoMo PIN?
Use the app's PIN recovery option, or dial *671# and follow the reset prompts if available. Never share your PIN with anyone claiming to help you recover it.
Is there a limit to how much I can send on MoMo?
MoMo's own documentation doesn't state a single universal limit on this page's sources. Check your specific transaction limits in the app, since they can vary by account verification level.