MTN MoMo USSD Code: Transfer, Loan, Airtime & Balance Check Codes
MTN MoMo is Nigeria's largest mobile money service, operated by MTN MoMo PSB (Payment Service Bank) under a CBN licence. It allows you to send money, receive money, buy airtime, access loans, and manage your wallet — all without a smartphone, using simple USSD codes on any mobile phone.
This guide lists all active MTN MoMo USSD codes for Nigeria in 2025, including how to use each one.
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Main MTN MoMo Menu
Dial *600# from your MTN line to open the main MoMo menu. This is your gateway to all MoMo services.
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All MTN MoMo USSD Codes at a Glance
| Service | USSD Code |
|---|---|
| Main MoMo menu | *600# |
| Send money to phone number | *600*1# |
| Send money to bank account | *600*2# |
| Withdraw cash (agent) | *600*3# |
| Buy airtime for self | *600*4# |
| Buy airtime for others | *600*4*1# |
| Check balance | *600*0# |
| Access loan services | *600*5# |
| Pay bills | *600*6# |
| Mini statement / transaction history | *600*7# |
| Change PIN | *600*8# |
| Register / create account | *600*9# |
How to Send Money with MTN MoMo USSD
Send to a MoMo Wallet
- Dial *600#
- Select 1 — Send Money
- Select 1 — To MoMo Number
- Enter the recipient's MTN phone number
- Enter the amount
- Enter your MoMo PIN to confirm
Send to a Bank Account
- Dial *600#
- Select 1 — Send Money
- Select 2 — To Bank Account
- Select the bank from the list
- Enter the recipient's account number
- Enter the amount
- Confirm with your MoMo PIN
How to Access Loans on MTN MoMo
Dial *600# → Select Financial Services → Select Loans. If you are eligible, your pre-approved loan amount will be displayed. Select the amount, review the terms, and confirm with your PIN to disburse.
How to Buy Airtime with MTN MoMo
Dial *600*4# → Choose "For Myself" or "For Others" → Enter amount → Confirm with PIN. Airtime is credited instantly from your MoMo wallet balance.
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How to Check Your MTN MoMo Balance
Dial *600*0# — your current wallet balance will be displayed on screen immediately. No PIN is required for balance checks (though this may vary by device security settings).
MTN MoMo Transaction Limits
| Transaction Type | Limit (Tier 1) | Limit (Tier 2 / BVN) |
|---|---|---|
| Single transfer | ₦50,000 | ₦300,000 |
| Daily total | ₦50,000 | ₦1,000,000 |
| Maximum wallet balance | ₦300,000 | ₦500,000 |
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About Jessica Ben
Financial AnalystJessica Ben is a senior financial analyst and contributing researcher at Moniest. She specializes in consumer lending mechanics, mortgage refinancing economics, auto loan amortization, and mathematical decision frameworks for everyday personal finance.
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Frequently Asked Questions
Quick answers to common questions on this topic
The main MTN MoMo menu is accessed by dialling *600# from your MTN line. This gives you access to transfers, loans, airtime, savings, and account management.
Dial *600# → Select "Send Money" → Enter the recipient's phone number or bank account → Enter the amount → Confirm with your MoMo PIN.
Dial *600# → Select "My Account" → Select "Check Balance". Alternatively, dial *600*0# for a quick balance check.
No. MTN MoMo (*600#) is exclusively for MTN subscribers. Airtel users have Airtel Money (*948#), while Glo and 9mobile have their own mobile money services.