The future of money is here
MTN Mobile Money (MoMo) is simple and safe to use, with no monthly fees to worry about.
It’s available on any South African cellphone number. What’s more, you don’t even need a bank account.
Set yourself free
Download the MoMo app and register for free - fees apply to certain transactions only
Store money safely
Secure your hard-earned cash with end-to-end encryption
Transfer cash instantly
Transfer money to other MoMo wallets or send cash vouchers to any South African cellphone number
Simplify your shopping
Scan QR codes to pay for products and services through MoMo partners
Pay your bills
Keep your DStv, prepaid electricity, and other accounts up to date without hassle
Buy airtime and bundles
Buy airtime and data, voice, and SMS bundles at no extra cost and get exclusive deals - even if you're not with MTN

Take control of your money, join the MoMo revolution.
#Wegotu with MTN MoMo powered by Ubank.
No monthly fees, no endless queues at the bank, and no carrying cash.
Monthly
Cost
in fees
Cash-in at
MTN Stores
in fees
Mobile
Recharges
in fees
Bill, merchants + shop payments
in fees
Other transaction fees

Cash-out via MoMo agent
-
Transaction amount
Fee(3.75%)
-
R5
R0.19
-
R10
R0.36
-
R20
R0.75
-
R40
R1.50
-
R70
R2.62
-
R100
R3.75
-
R250
R9.38
-
R500
R18.75
-
R750
R28.13
-
R1 000
R37.50
-
R1 500
R56.25
-
R2 500
R93.75
-
R5 000
R187.50

Sending money to a MoMo customer
-
Transaction amount
Fee
-
R5 – R10
R0*
-
R10 – R20
R0*
-
R20 – R40
R0*
-
R40 – R70
R0*
-
R70 – R100
R0*
-
R100 – R200
R0*
-
R200 – R250
R5*
-
R250 – R500
R7
-
R500 – R750
R8
-
R750 – R1 000
R10
-
R1 000 – R1 500
R12
-
R1 500 – R2 500
R14
-
R2 500 – R5 000
R15
-
R5 000 – R25 000
R16

Sending a money voucher
-
Transaction amount
Fee
-
R5 – R10
R10*
-
R10 – R20
R10*
-
R20 – R40
R10*
-
R40 – R70
R10*
-
R70 – R100
R10*
-
R100 – R250
R10*
-
R250 – R500
R10*
-
R500 – R750
R10*
-
R750 – R1 000
R10*
-
R1 000 – R1 500
R10*
-
R1 500 – R2 500
R10*
-
R2 500 – R5 000
R10*
-
R5 000 – R25 000
R10*

Cash-in via bank card
All transactions are free.

Cash-in via EFT
All transactions are free.

Cash-out to bank account
A standard fee of 2% applies to each transaction.
* Promotional fees have been applied to ease the pressure of COVID-19 and promote cashless transactions.
The updated fees are valid from 19 March 2020 to 30 September 2020. Thereafter normal fees will apply
FAQ's
MTN’s groundbreaking Mobile Money (MoMo) service lets you store, send, and receive money using your phone. You don’t need a bank account or fancy smartphone to use it – it works on the most basic of feature phones too!
You can access and manage your account on the MoMo app or by dialling *120*151#, around the clock, 365 days a year.
MTN MoMo has an ever-growing range of features to make your life easier:
- Send and receive money to and from other MoMo customers
- Cash-in and cash-out at any MoMo agent
- Cash-out from ATM’s
- Buy MTN airtime and bundles
- Pay for products and services from the many participating merchants and providers
- Buy prepaid electricity
- Pay your DStv account
Yes – you can send a money voucher to anyone with a cellphone number. They can then cash-out at a MoMo agent or MTN store.
Yes – you don’t need to waste any of your precious airtime to use MoMo.
There are 3 ways to cash-in to your MoMo wallet:
- Cash-in from a bank card or account through the MoMo app or by dialling *120*151#
- Visit any MTN store
- Find a MoMo agent
You can cash-out of your wallet by visiting your nearest MTN store or MoMo agent or into any South African bank account.
Join our MoMo merchant network and/or agent network to accept MoMo payments and earn commission on airtime sales.
Call MoMo customer care on 083 135 or email momo@mtn.com to sign up.
Not at all – you can use MoMo on any network if you’re using the app. You’ll need to be an MTN customer if you choose to dial *120*151# to manage your MoMo account
Any financial services provided in respect of MoMo are provided by MTN, an authorised financial services provider, FSP No 44774 on behalf of UBank Limited, an authorised financial services provider FSP No 14740.
T’s and Cֹs apply.
