The official MoMo USSD code is *671#. You can dial this code on an MTN line to open a MoMo PSB account, transfer money, buy airtime and data, pay bills, check your transactions and manage your account without an internet connection.
MoMo PSB is different from the regular MTN services used for checking airtime, buying data or sharing credit. It is a financial service that allows you to keep money in a mobile wallet and perform transactions from your phone.
In this article, I will explain how the MoMo USSD code works, how to create an account, transfer money, fund your wallet and solve common problems you may encounter while using the service.
What Is the MoMo USSD Code?
The official MoMo PSB USSD code is *671#. Dialling the code opens the MoMo banking menu on your phone. You can use the menu to access available financial services without installing the MoMo application or connecting to mobile data.
Through the MoMo menu, eligible customers can open an account, transfer money, purchase airtime and data, pay supported bills, check their balance, view recent transactions and manage account settings. The USSD option is particularly useful when an internet connection is unavailable or when a customer uses a feature phone.
What Is MoMo PSB?
MoMo PSB means MoMo Payment Service Bank. It is the financial technology subsidiary of MTN Nigeria Communications Plc. Although MoMo PSB is associated with MTN Nigeria, it is not an ordinary airtime wallet. A MoMo account can receive money from Nigerian bank accounts, hold funds, make transfers and pay for different services.
Money in a MoMo account is separate from the airtime balance on an MTN line. When you buy airtime through MoMo, the cost is deducted from your MoMo wallet rather than from another airtime balance.
How to Open a MoMo Account with USSD
Step 1: Insert your active MTN SIM into your phone.
Step 2: Dial *671#.
Step 3: Select the option to open or register a MoMo account.
Step 4: Enter the personal information requested on the screen.
Step 5: Create a unique four-digit MoMo PIN.
Step 6: Confirm the PIN and wait for the account-opening message.
MoMo PSB states that the *671# registration option should be used on an MTN line. Customers using Airtel, Glo or 9mobile can check the MoMo PSB application for the registration options available to them.
Avoid using 1234, 0000, your birth year or the last four digits of your telephone number as a PIN. Choose a number that another person cannot easily guess.
What Is My MoMo Account Number?
Your MoMo account number is your MTN phone number without the first zero. For example, if your MTN number is 08031234567, your MoMo account number will be 8031234567.
When someone wants to transfer money from a bank application to your MoMo account, provide the ten-digit number without the first zero. The sender should select MoMo PSB from the list of banks and confirm that your registered name appears before authorising the transfer.
How to Fund a MoMo Account
Transfer from a Bank Account
Step 1: Open your bank or financial application.
Step 2: Select Transfer and choose MoMo PSB as the receiving bank.
Step 3: Enter your MTN number without the first zero.
Step 4: Enter the amount and confirm that your MoMo account name is displayed.
Step 5: Authorise the transfer.
Receive Money from Another MoMo User
Another MoMo customer can send money directly to your wallet using your registered MTN number. The sender can dial *671#, select the transfer option and follow the prompts. MoMo also lists *671*1*1*1*PhoneNumber# as a direct wallet-funding format. The sender should verify the beneficiary’s details before entering a PIN.
Deposit Through a MoMo Agent
You can give cash to an authorised MoMo agent and ask the agent to fund your account. Confirm that the deposit reflects in your wallet and collect a receipt before leaving the location.
How to Transfer Money with the MoMo Code
Step 1: Dial *671# from your registered MTN line.
Step 2: Select Transfer.
Step 3: Choose whether you are sending to a MoMo wallet or a bank account.
Step 4: Select the recipient’s bank when required.
Step 5: Enter the recipient’s account number and the amount.
Step 6: Check the recipient’s displayed name carefully.
Step 7: Enter your four-digit MoMo PIN to complete the transfer.
MoMo PSB currently states that transfers to other banks attract a flat fee of N10 regardless of the transaction value. Charges can change, so check the fee displayed on the confirmation screen before authorising a transaction.
How to Check Your MoMo Balance
Dial *671#, select the balance or account-information option and enter your PIN if requested. Your available balance will be displayed on the screen or sent by SMS. Since menu positions can change, follow the current labels shown after dialling the main code instead of depending on an old option number.
How to Buy Airtime and Data with MoMo
Dial *671# and select the airtime or data option. Choose whether the purchase is for your line or another person, enter the receiving number, select the network or data plan and confirm the transaction with your PIN.
MoMo supports purchases for different Nigerian networks, not only MTN. Check the phone number and selected network carefully because airtime and data sent to a wrong number can be difficult to reverse.
How to Pay Bills with MoMo
The MoMo wallet supports selected electricity, DStv, GOtv, StarTimes, betting and merchant payments. Dial *671#, select Bill Payment, choose the provider and enter the required meter, smartcard, IUC or customer number. Confirm that the customer’s details are correct before entering your PIN.
Save the transaction reference, electricity token or payment receipt until you confirm that the service has been credited.
MoMo PSB Transaction Limits
MoMo accounts have verification tiers. A newly opened account normally begins at Tier 1, while higher tiers require additional identity verification.
| Account level | Maximum single deposit | Maximum balance |
|---|---|---|
| Tier 1 | N50,000 | N300,000 |
| Tier 2 | N200,000 | N500,000 |
| Tier 3 | N5,000,000 | No published cumulative limit |
To link a BVN and request a Tier 2 upgrade, MoMo currently provides *671*8*2#. Follow the instructions and provide only your own BVN. Customers who require a Tier 3 upgrade should contact MoMo support for the current verification requirements.
How to Withdraw Money from MoMo
You can withdraw money through an authorised MoMo agent or an MTN service location. Tell the agent the amount, complete the approved authorisation process, confirm the debit alert and count your cash before leaving. Never disclose your PIN to the agent, and ask about applicable charges before approving the withdrawal.
Is the MoMo Code Available on Other Networks?
The official MoMo instructions specifically tell customers to dial *671# on an MTN line to open an account. The platform may allow airtime and data purchases for other networks, but that does not mean the complete USSD menu will work identically from Airtel, Glo or 9mobile. Non-MTN users should check the MoMo PSB application for the services available to them.
MoMo USSD Code Not Working
If *671# does not work, confirm that you are using an active MTN line and that the correct SIM is selected on a dual-SIM phone. Move to an area with a better signal, restart the phone and try again after allowing any previous USSD session to expire.
A transaction can also fail because the wallet balance is insufficient, the account has not completed the required verification or the amount exceeds the limit for its tier. Avoid repeatedly attempting a transfer when the result of the first request is uncertain. Check your balance and transaction history first.
If the issue continues, call MoMo on 671 or 08031067100. You can also use WhatsApp number 07031594671 or email customercare@momo.ng. Never disclose your PIN or one-time password to anyone claiming to be a support representative.
How to Keep Your MoMo Account Safe
- Never disclose your four-digit PIN or one-time password.
- Confirm the recipient’s name and amount before approving a transfer.
- Do not authorise a transaction you did not initiate.
- Use only official MoMo support contacts.
- Report a lost SIM or phone immediately.
- Keep transaction references until payments are confirmed.
- Do not allow an agent or stranger to operate your phone.
Also Read:
- MTN MoMo PSB: How to Access Banking Services in Nigeria
- List of MOMO Agent code & How to become a MOMO Agent
- MTN Momo, Easy way to send and receive money
Frequently Asked Questions
What is the current MoMo USSD code?
The current MoMo PSB USSD code is *671#. Dial it from an MTN line to register or access the available MoMo services.
Is the MoMo code *223# or *671#?
The current consumer code published by MoMo PSB is *671#. Some older articles may contain previous MoMo or agent-service codes.
Can I use MoMo without internet?
Yes. The USSD service does not require mobile data or Wi-Fi, although it needs a working mobile network signal.
Can MoMo transfer money to another bank?
Yes. Dial *671#, select Transfer and follow the prompts to send money to a supported Nigerian bank account.
What should I do if a failed transaction debits my account?
Check your balance and transaction history, save the reference and avoid immediately repeating the payment. If the money is not reversed or the recipient remains unpaid, contact MoMo through an official support channel.
The important code to remember is *671#. It gives eligible MoMo customers access to transfers, airtime, data, bill payments and account services from an MTN phone without requiring an internet connection.
