MTN MoMo to bank charges, by country
"MoMo to bank charges" is one of MTN's most-searched fee questions — driven by Ghana's on-again-off-again 0.75% fee. Here is the dated status for Ghana and the assembled wallet↔bank picture for every MTN market we hold data for.
Verified 2026-07-03 · source: lib/momoBank.ts (per-row dated)
How much is a MoMo to bank transfer in Ghana?
Re-verified 3 July 2026: the 0.75% MoMo-to-bank fee (cap GH₵5) that MTN announced on 25 May 2026 for a 1 June start is SUSPENDED and never took effect — the Bank of Ghana directed Mobile Money Fintech Ltd to pause it on 26 May 2026, pending stakeholder consultation. It has not been reinstated and no consultation outcome has been published. So as of now, wallet-to-bank is not subject to the 0.75% fee.
Moving GH₵500 from your MoMo wallet to a linked bank account costs GH₵0 today. Had the 0.75% fee gone live it would have cost GH₵3.75 (0.75% of GH₵500, under the GH₵5 cap) — but the Bank of Ghana suspended it.
Source: Bank of Ghana directive, 26 May 2026 (Graphic Online; GBC; MyJoyOnline; TechCabal); linked-account free transfers per Asetena Pa (Apr 2025); E-Levy repealed 2 Apr 2025 · verified 2026-07-03
MoMo to bank and bank to MoMo, by country
| Country | Wallet → bank | Bank → wallet | Verified |
|---|---|---|---|
| ghana | Free for accounts linked to your Ghana Card. The proposed 0.75% fee (capped GH₵5) was suspended before it began — see the status note below. | Free when your bank account is linked to the wallet, on the GhIPSS Instant Pay (GIP) rail. A non-linked or bank-side charge is set per bank — check with yours. | 2026-07-03 |
| uganda | Tiered by amount: about UGX 700 (UGX 5,001–30,000), UGX 1,000 (up to 60,000), UGX 1,500 (up to 125,000), UGX 2,000 (up to 250,000), rising to about UGX 11,300 on the largest band. Confirm the live tier on *185# before sending. | Free (UGX 0) to receive a bank transfer into the Airtel Money wallet. Your bank may apply its own outbound charge on its side. | 2026-06-25 |
| cameroon | Cameroon's two operators price it differently. MTN MoMo ("Push and Pull", *126#) charges per bank — for example Ecobank 1%, UBA 1% capped at 1,000 FCFA, Afriland free. Orange Money ("OM Fusion", #150*7#) charges 1.5% up to 100,000 FCFA, then a flat 2,200–2,500 FCFA by band up to the 500,000 FCFA cap. | From a bank into the wallet, UBA Cameroon charges 1% up to 100,000 FCFA, then a flat 1,000 FCFA on higher bands up to 500,000 (to both MTN MoMo and Orange Money). Other banks set their own fees — check with yours. | 2026-06-25 |
| rwanda | Free to a linked bank account (and to Zigama). To a non-linked account it is tiered: RWF 500 (RWF 5,000–40,000), RWF 1,000 (up to 300,000), RWF 2,500 (up to 2,000,000), then RWF 5,000–10,000 on larger bands. | Free from a linked bank account (and Zigama). From a non-linked account it is tiered: RWF 100 (up to 5,000), RWF 500 (up to 40,000), RWF 1,000 (up to 300,000), then RWF 2,500–10,000 on larger bands. | 2026-06-25 |
| benin | In Benin, wallet-to-bank goes through partner banks. MTN MoMo (via UBA's "Push and Pull", *880#) is tiered from 50 up to 2,000 FCFA. Moov Money (operator site, *855*1#) is tiered from 50 up to 1,750 FCFA for most banks — Ecobank and UBA use a higher structure, so check with the provider for those. | Bank-to-wallet: via UBA into MTN MoMo it is tiered from 50 up to 500 FCFA; on Moov Money it is 100 up to 500 FCFA for most banks (Ecobank and UBA are higher — check with provider). | 2026-06-25 |
| congo | MTN MoMo and Airtel Money both offer wallet-to-bank in Congo-Brazzaville, but neither publishes a machine-readable fee — the amount is shown in the menu before you confirm. Verify with the operator. | Bank-to-wallet loading is offered via bank apps; no per-transaction fee is published — confirm with your bank. | 2026-06-27 |
Each row is dated and sourced on its country fee page. Markets not listed here (Côte d'Ivoire, Zambia, Liberia, eSwatini) follow the operator's own wallet↔bank schedule — verify on the country page. "Check with provider" where no fee is published.
Cameroon: "Push and Pull" is per-bank
In Cameroon, MoMo↔bank runs through the operator's "Push and Pull" service, and the fee is set per partner bank rather than one flat MTN rate — so the number depends on which bank you move to or from. Check the Cameroon fee page and your bank's schedule.