MTN MoMo Rwanda USSD codes — *182# and every deep path
MTN MoMo Rwanda's main code is *182#. Here's the full map of all menu paths, including direct shortcuts like *182*6*2# to create a Virtual Card or *182*2*6# to view it — all verified against MTN Rwanda June 2026.
✓ Verified June 2026.MTN Rwanda USSD codes and procedures verified against official sources. No tariffs are quoted on this page.
The full *182# menu (main path)
- Send Money — P2P send to an MTN or Airtel number (interoperable)
- Withdraw Cash — agent withdrawal code, or ATM code
- Pay Merchant (MoMoPay) — pay a merchant code (free below RWF 4,000)
- Bills — REG (electricity), WASAC (water), RRA (taxes), schools, pay-TV
- Buy Airtime — for yourself or another number (free)
- Virtual Card (★ Rwanda-unique) — create (*182*6*2#) or view (*182*2*6#)
- My Account — balance, KYC status, PIN change, language change, mini-statement
- Other Services — data top-up, MoKash loans, subscriptions, government services
Direct shortcuts (deep USSD links)
- *182*6*2# → create Virtual Mastercard (Rwanda-unique)
- *182*2*6# → Virtual Card menu (option 4 to see details)
- *182*7*2# → agent withdrawal confirmation (per session configuration)
- For recurring bill payments, you can create favourites in My Account.
Frequently asked questions
What's MTN MoMo Rwanda's main USSD code?
*182# on any phone (basic or smartphone) with an active MTN SIM and an activated MoMo wallet. Everything goes through this menu: send, withdraw, pay (MoMoPay), create/view Virtual Card, bills (REG, WASAC, RRA, schools), airtime top-up, KYC status, language change.
How do I create the Virtual Mastercard?
Dial *182*6*2# (the direct shortcut to 'Virtual Card → Create card'). Accept the Mastercard terms, enter your PIN. The card is instantly active. To view it later, *182*2*6# then option 4 'View Card details'.
How do I change the menu language?
*182# → My Account → Language → pick Ikinyarwanda, English or Français. The choice is persistent; confirmation SMS follow. Handy for sharing the phone with someone who prefers a different language, or for quickly switching between Kinyarwanda and English depending on context.
Is there a direct shortcut to check the balance?
Balance check goes via *182# → My Account → Check Balance. No single-shortcode shortcut in the standard menu; but the path is fast (3 inputs). The MoMo app shows the balance directly on open if you're signed in.
What if *182# doesn't respond?
Possible causes: weak MTN signal (move), MoMo wallet not yet activated (visit an MTN service centre), SIM expired or blocked (dial 100 for customer care). If the issue persists, try from another phone with your SIM, or contact 100 — free from MTN.