Zambia MoMo USSD Code: *115#
The MTN MoMo code in Zambia is *115# — named in MTN Zambia's own MoMo terms and conditions as the USSD channel alongside the app. MTN Zambia publishes the code but not a step-by-step menu map, so follow the on-screen options for balance, send and cash-out. Verified on mtn.zm, July 2026.
Updated
What you can do with *115#
| Task | Code |
|---|---|
| Open the MoMo menu | *115# |
| Send money / pay | *115#follow the on-screen menu — MTN Zambia publishes no numbered path |
| International transfers | *115#named in the T&Cs as available via *115# or the app |
| Statements / history | *115#full statements are documented in the MoMo app |
Menu paths follow the current screens — if a label moved, follow the on-screen wording rather than a memorised path.
Forgot your MoMo PIN in Zambia?
MTN Zambia's MoMo terms are explicit: to restore access, use the self-PIN-reset option on the *115# USSD menu, visit the nearest MTN service centre, or call support on 303. If the menu's reset option doesn't appear, the service-centre route with ID is the fallback.
*115# not working?
Wrong SIM. The code only answers on the MTN Zambia network. On another operator's SIM it fails or opens a different service — every country and operator has its own code.
Roaming (abroad). Most roaming partner networks do not relay USSD sessions: the code fails or times out outside the country. Use the MoMo app over data/Wi-Fi. To send from Europe to a MoMo wallet, MoMo Homeland is an app — there is no diaspora USSD code.
Account not registered. A MoMo wallet must be registered (with ID) before the menu accepts transactions. If the menu opens but blocks you, visit a MTN Zambia service centre with your ID.
Codes here, fees there
This page covers codes and the menu only. MTN Zambia send and cash-out fees — and any mobile-money levies — live on the fee page, updated separately. Zambia MoMo fees →