MTN MoMo across Africa: fees, countries and USSD codes
How much does MTN MoMo cost, and which countries is it in? MoMo is MTN's mobile-money service across 14 African markets and 70M+ customers. This hub pulls together the country-by-country fee grid, the USSD codes (which differ by country), the cross-border rails, and the reason the same wallet costs differently per country: government tax. Assembled from our dated per-country data, sources attached.
Verified 2026-07-03 · sources: mtn.com.gh, mtn.co.ug, mtn.cm, mtn.ci, mtn.co.rw, momo.ng, MTN Group FY2025
In which countries does MTN MoMo work?
MTN reports MoMo in 14 countries (FY2025 results). Two big exceptions to know: Nigeria, where MoMo is a licensed Payment Service Bank — a regulated bank, not a plain wallet, covered by our dedicated Nigeria PSB guide; and South Africa, whose oft-cited "wind-down" was a 2016 event — MoMo relaunched there in 2020 and is active in 2026. MTN also sold its Guinea-Conakry and Guinea-Bissau businesses in 2024, so those are no longer MTN markets.
🇳🇬 Nigeria: MTN MoMo operates in Nigeria as a licensed Payment Service Bank (a regulated bank), not a plain wallet. Our dedicated Nigeria PSB guide stays canonical for it — open it from the fee table above.
🇿🇦 South Africa: MoMo was wound down in South Africa in 2016 for commercial viability, then relaunched in 2020 — and is active and growing in 2026 (first non-bank on PayShap, business wallet + remittance). Do not treat it as discontinued.
🇬🇳 Guinea: MTN sold its Guinea-Conakry operation in 2024; MoMo there is no longer an MTN market.
🇬🇼 Guinea-Bissau: MTN exited Guinea-Bissau in 2024.
What are MTN MoMo fees by country?
MTN MoMo fees vary by country and by amount band. The table gives the headline per market — click a country for the tier-by-tier grid and its verification date. Where MTN publishes no machine-readable grid we say "to verify" rather than guess.
| Country | Send fee | Cash-out fee | Source |
|---|---|---|---|
| 🇬🇭 Ghana GHS | Free to GH₵100, then 0.75%, GH₵7.50 over 1,000 | Free under GH₵50, 1% to 2,000, GH₵20 cap | mtn.com.gh |
| 🇺🇬 Uganda UGX | Banded (from UGX 100) | Banded + 0.5% withdrawal tax | mtn.co.ug |
| 🇨🇲 Cameroon XAF | 0.5%, capped at 500 F | 2%, capped at 3,500 F | mtn.cm |
| 🇨🇮 Côte d'Ivoire XOF | 1%, capped at 4,500 F | 1%, capped at 4,500 F | mtn.ci |
| 🇷🇼 Rwanda RWF | Banded, RWF 20–250+ | Banded; free to a linked bank | mtn.co.rw |
| 🇿🇲 Zambia ZMW | Free / from K0.50 | Banded — see country page | mtn.zm |
| 🇧🇯 Benin XOF | See country page | See country page | mtn.bj |
| 🇨🇬 Congo-Brazzaville XAF | To verify — see country page | To verify | mtn.cg |
| 🇱🇷 Liberia USD | ≤1% cross-network, then $25 flat | 2% cash-out (CBL) | Lonestar Cell MTN |
| 🇸🇿 Eswatini SZL | Banded, E 2–6 | See country page | mtn.co.sz |
| 🇳🇬 Nigeria NGN | Payment Service Bank — see the Nigeria guide | PSB banking, not a plain wallet | momo.ng |
Assembled from our dated per-country MTN MoMo grilles — click a country for the tier-by-tier detail and its verification date. "To verify" where no grid is published. Verified 2026-07-03.
What is the MTN MoMo USSD code?
There is no single MTN MoMo code — it differs by country, which is exactly what trips people up. Ghana is *170#, Uganda *165#, Côte d'Ivoire *133#, Cameroon *126#, Benin *880#, Zambia *115#, Rwanda *182#, Congo-Brazzaville *105#. Nigeria's MoMo PSB uses *671#. Codes verified against each MTN OpCo site (2026).
| Country | USSD |
|---|---|
| 🇬🇭 Ghana | *170# |
| 🇺🇬 Uganda | *165# |
| 🇨🇲 Cameroon | *126# |
| 🇨🇮 Côte d'Ivoire | *133# |
| 🇷🇼 Rwanda | *182# |
| 🇿🇲 Zambia | *115# |
| 🇧🇯 Benin | *880# |
| 🇨🇬 Congo-Brazzaville | *105# |
| 🇳🇬 Nigeria | *671# |
Can you send from one MTN MoMo country to another?
Sending between MTN countries (UEMOA)
In the West-African CFA zone, MTN MoMo lets you send wallet-to-wallet between MTN markets (Côte d'Ivoire *133#, Benin *880#). Because these share the euro-pegged XOF, there is no FX margin inside the zone — only the country grid's send fee applies.
Source: mtn.ci / mtn.bj
Cross-border 'To Africa' transfers
MTN's biggest cross-border product is MoMo PSB Nigeria's in-app 'To Africa', which sends to ~13 African countries at a flat 3% (momo.ng); recipients pay nothing to receive. The UK/EU diaspora app 'MoMo Homeland' reaches ~14 countries but publishes no rate. Note: MTN does NOT publish one group-level tariff portal — real fees live on each OpCo site (mtn.co.ug/tariffs, mtn.co.rw, mtn.cm/tarifs-momo). Confirm the exact cross-border rate in-app before sending.
Source: momo.ng / momo.mtn.com/homeland
Why the same MoMo costs differently by country
A big part of the country-to-country gap is government tax, not MTN. Uganda adds a 0.5% withdrawal levy; Cameroon a 0.2% mobile-money tax; Ghana repealed its 1% e-levy in April 2025 (so Ghana got cheaper); Côte d'Ivoire and Benin have no separate mobile-money surcharge. Same wallet, different fiscal stack.
Source: mtn.co.ug / URA; Ghana Act 1128 (2025)
Frequently asked questions
How much does MoMo charge to withdraw money?
It depends on the country. In Ghana, cash-out is free under GH₵50, then 1% up to GH₵2,000 (GH₵20 cap). In Cameroon it is 2% capped at 3,500 F. Uganda adds a 0.5% government withdrawal tax on top of MTN's fee. Check the country row above and click through for the dated tier-by-tier detail.
What is the MTN MoMo code in each country?
There is no single code — it differs by country: Ghana *170#, Uganda *165#, Côte d'Ivoire *133#, Cameroon *126#, Benin *880#, Zambia *115#, Rwanda *182#, Congo-Brazzaville *105#, and Nigeria's MoMo PSB *671#. See the USSD table above.
Which countries have MTN MoMo?
Fourteen, per MTN's FY2025 results: Benin, Cameroon, Congo-Brazzaville, Côte d'Ivoire, eSwatini, Ghana, Liberia, Nigeria, Rwanda, South Africa, South Sudan, Sudan, Uganda and Zambia. Nigeria is a Payment Service Bank; MTN exited Guinea-Conakry and Guinea-Bissau in 2024.
Why does MoMo cost more in some countries?
Largely government tax, not MTN. Uganda levies 0.5% on withdrawals; Cameroon 0.2% on mobile-money transfers; Ghana repealed its 1% e-levy in April 2025, making it cheaper; Côte d'Ivoire and Benin have no separate mobile-money surcharge. Same wallet, different fiscal stack.