MoMo Payment Service Bank USSD Code and MoMo Payment Service Bank Transfer Code
MoMo Payment Service Bank, commonly called MoMo PSB, is a Nigerian financial services provider and a subsidiary of MTN Nigeria. It offers digital financial services that allow customers to send and receive money, pay bills, purchase airtime and data, and transfer funds to other Nigerian bank accounts.
If you are searching for the MoMo PSB USSD code, MoMo transfer code, or how to send money from your MoMo wallet to another bank, this guide explains the available services, registration process, transfer instructions, transaction limits, and ways to resolve common problems.
What Is the MoMo Payment Service Bank USSD Code?
The official MoMo Payment Service Bank USSD code is *671#. You can dial this code from your mobile phone to access the MoMo banking menu and use the services available to your account.
USSD banking is useful because it does not require mobile data or a Wi-Fi connection. You can access supported services using a compatible mobile phone with an active network connection.
With MoMo PSB USSD banking, customers can access services such as:
- Opening a MoMo account.
- Transferring money to other MoMo wallets.
- Transferring money to other Nigerian banks.
- Funding a MoMo wallet.
- Purchasing airtime and mobile data.
- Paying supported bills.
- Managing their wallet through available self-service options.
To begin, dial *671# and follow the instructions displayed on your phone. Available menu options can depend on your account status and the services currently supported by MoMo PSB.
What Is the MoMo Payment Service Bank Transfer Code?
The MoMo Payment Service Bank transfer code is *671#. It provides access to the transfer menu, where registered customers can follow the instructions to send money from their MoMo wallets.
MoMo PSB supports transfers to other MoMo customers and transfers to bank accounts at other Nigerian financial institutions. You can initiate a supported transfer through USSD without opening the MoMo mobile application.
To use the service, dial *671#, select the transfer option, and follow the prompts. Depending on the type of transfer, you may need to enter a recipient’s phone number or bank account number, select the destination bank, specify the amount, and authenticate the transaction with your MoMo PIN.
Always use the menu displayed by the service instead of relying on an unverified direct transfer shortcut. This helps ensure that you select the correct transaction type and provide the information required for your account.
How to Open a MoMo PSB Account Using USSD
You can open a MoMo PSB account through the official USSD service using an MTN line. The bank also offers account opening through its mobile application.
To start registration through USSD:
- Insert an active MTN SIM card into your phone.
- Open your phone’s dialler.
- Dial *671#.
- Select the account opening or registration option displayed.
- Follow the instructions to provide the required details.
- Create a four-digit MoMo PIN when prompted.
- Complete any additional verification required by MoMo PSB.
After registration, you can fund your wallet and begin using the services available to your account tier. Keep your PIN private and avoid choosing a number that other people can easily guess.
If you already have a MoMo account, you should use the existing account access options rather than attempting to create a duplicate account.
How to Transfer Money From MoMo PSB to Another Bank
MoMo PSB allows registered customers to transfer money from their wallets to eligible bank accounts in Nigeria. You can use the USSD service or the official MoMo application.
To transfer money through USSD, follow these steps:
- Dial *671# from the phone associated with your MoMo account.
- Select option 1 for transfers, as indicated in MoMo PSB’s published instructions.
- Choose the appropriate bank transfer option from the menu.
- Enter the recipient’s valid 10-digit bank account number.
- Select the recipient’s bank from the available list.
- Enter the amount you want to transfer.
- Review the beneficiary information and transaction details.
- Enter your four-digit MoMo PIN when prompted to authorise the transaction.
- Wait for the transaction response and keep the reference or confirmation message.
Make sure the account number and selected bank match the intended recipient. If the system cannot validate the beneficiary, check the details and try again only after correcting any error.
For application-based transfers, sign in to the MoMo app, select Transfer to bank, enter the recipient’s account number, select the destination bank, and follow the displayed instructions. Enter your PIN when requested to authorise the payment.
How to Transfer Money to Another MoMo Wallet
If the recipient also uses MoMo PSB, you can send money to their wallet using the recipient’s registered phone number.
- Dial *671#.
- Select the transfer option.
- Choose the option for transferring to another MoMo wallet.
- Enter the recipient’s MoMo phone number.
- Enter the amount you want to send.
- Check the recipient details and amount carefully.
- Enter your MoMo PIN to approve the transaction.
MoMo PSB also publishes a direct wallet-funding shortcut for sending money to another person’s MoMo account: *671*1*1*1*recipient-phone-number#. Replace the recipient-phone-number portion with the intended recipient’s MTN phone number, using the format requested by the service. If the shortcut does not work, dial *671# and use the transfer menu instead.
How to Fund Your MoMo PSB Wallet
Before transferring money or purchasing services, you need sufficient funds in your MoMo wallet. MoMo PSB supports several ways to add money.
1. Transfer from another bank
Open the mobile application of your existing bank and choose the option for transferring money to another bank. Select MoMo PSB as the destination institution. According to MoMo PSB’s instructions, your MTN phone number without the initial zero serves as your MoMo account number for this funding method.
Enter the correct account number, verify the beneficiary information, and complete the transfer through your other bank’s approved process.
2. Receive money from another MoMo customer
A friend or family member who uses MoMo can transfer money to your wallet using the wallet transfer option. They can use the MoMo application or the supported USSD menu.
3. Visit a MoMo agent
You can visit an authorised MoMo agent to fund your wallet. MoMo PSB also identifies MTN Touch points as locations where customers can obtain wallet-funding assistance.
Confirm that the funds have arrived in your wallet before attempting another transaction.
How to Check Your MoMo PSB Balance
To check your wallet balance, dial *671# and follow the menu instructions for balance enquiries, if available for your account. Complete any authentication requested by the service.
You can also sign in to the official MoMo mobile application to view your wallet information and transaction history.
Checking your balance before sending money helps you confirm whether you have sufficient funds to cover both the transfer amount and any applicable charges.
MoMo PSB Airtime Purchase Code
MoMo PSB allows customers to purchase airtime through its USSD service. You can use the service to recharge your own phone or buy airtime for another supported phone number.
- Dial *671#.
- Select the airtime purchase option.
- Choose the appropriate recharge option.
- Enter the phone number and amount when requested.
- Review the details and authorise the transaction.
MoMo PSB advertises airtime benefits for eligible MTN airtime purchases, including a 50% airtime bonus and 2% airtime cashback under its published offer. Promotions and eligibility requirements may change, so check the current terms before relying on a particular bonus.
MoMo PSB Data Purchase Code
You can also purchase mobile data through MoMo PSB. Dial *671#, select the data purchase option, and follow the displayed instructions to choose the network and bundle.
MoMo PSB supports data purchases for multiple networks. The available bundles, prices, and promotional benefits may differ by network and offer.
Before confirming a purchase, verify the recipient’s number, the network, and the selected bundle. The bank also advertises a 2% data cashback offer for eligible MTN data purchases, subject to its current promotional conditions.
Pay Bills With MoMo PSB
MoMo PSB provides access to selected bill-payment services through its digital platform. Supported services include cable television payments and electricity token purchases.
To make a bill payment, dial *671# and check the available payment menu. Select the relevant biller, enter the customer or meter details requested, choose the amount or package, and review the information before authorising payment.
Keep your payment reference or confirmation message. For electricity purchases, confirm that the meter number is correct before completing the transaction.
MoMo PSB Account Tiers and Transaction Limits
MoMo PSB uses account tiers with different wallet balance and deposit limits. Its published frequently asked questions describe the following limits:
| Account tier | Maximum single deposit | Maximum cumulative balance |
|---|---|---|
| Tier 1 | ₦50,000 | ₦300,000 |
| Tier 2 | ₦200,000 | ₦500,000 |
| Tier 3 | ₦5,000,000 | No stated cumulative balance limit in the published FAQ |
These figures describe the limits published in MoMo PSB’s FAQ and are not a guarantee that every transaction of that size will be approved. Other restrictions, verification requirements, and regulatory limits may apply.
MoMo PSB says customers can dial *671*8*2# to link their Bank Verification Number (BVN) for a Tier 2 upgrade. For Tier 3 upgrade assistance, its FAQ instructs customers to call the helpdesk on 671 after linking their BVN.
MoMo PSB Transfer Charges
MoMo PSB’s published FAQ states that transfers to other banks have a flat fee of ₦10, regardless of the transfer value. The final amount charged can be affected by updated tariffs, applicable taxes, or regulatory levies.
Before approving a transfer, check the charge displayed by the service and ensure that your wallet has enough funds to cover the transfer and any applicable fees.
Charges for other services, including airtime purchases, bill payments, cash withdrawals, and agent transactions, may differ. Consult the official MoMo PSB platform for the current fees and conditions.
What to Do When a MoMo PSB Transfer Fails
A transfer may fail because of network problems, incorrect beneficiary information, insufficient funds, account restrictions, or a temporary interruption in the service.
If a transfer does not appear to have completed:
- Check your wallet balance and transaction history.
- Review any confirmation message or transaction reference.
- Check whether the transaction is marked successful, pending, or failed.
- Do not immediately repeat the payment if your wallet has already been debited.
- Contact MoMo PSB customer support if the status remains unclear.
Keep the transaction reference, amount, date, and time available when reporting the problem. Never disclose your MoMo PIN to someone claiming to investigate a failed transfer.
How to Reset Your MoMo PSB PIN
Your MoMo PIN is used to authenticate transactions. If you forget it, use the PIN reset option available through the official USSD menu or contact MoMo PSB support for assistance.
Dial *671# and look for the relevant self-service option. Follow the identity verification instructions before setting a new PIN.
MoMo PSB’s terms explain that three consecutive incorrect PIN attempts can cause the wallet to be suspended for two hours. If you are locked out, contact the helpdesk rather than repeatedly entering different PINs.
MoMo PSB Customer Care Contact Details
If you need assistance with registration, transfers, wallet limits, or account access, MoMo PSB publishes these support channels:
- Toll-free helpdesk: 671 on your MTN line.
- WhatsApp: 07031594671.
- Email: [email protected].
- Official website: https://www.momo.ng/.
Use the official website to confirm contact details if you encounter a problem. Never share your PIN or one-time password with a customer service representative or another person.
Frequently Asked Questions About MoMo PSB USSD Code
What is the MoMo Payment Service Bank USSD code?
The official MoMo PSB USSD code is *671#. Dial it to access the available wallet and banking services.
What is the MoMo PSB transfer code?
Dial *671# and select the transfer option. Follow the displayed instructions to send money to another MoMo wallet or an eligible Nigerian bank account.
Can I transfer money from MoMo PSB to another bank?
Yes. Registered customers can use the USSD menu or the MoMo application to transfer funds to eligible Nigerian bank accounts.
Can I use MoMo PSB without internet?
Yes. The USSD service works without mobile data, provided you have an active mobile network connection and meet the service requirements.
How do I fund my MoMo wallet?
You can transfer money from another bank, receive money from another MoMo customer, or visit an authorised MoMo agent or MTN Touch point.
What is the MoMo PSB customer care number?
MoMo PSB lists 671 as its toll-free helpdesk number for customers calling from an MTN line.
Conclusion
The MoMo Payment Service Bank USSD code is *671#, and the same code provides access to its transfer menu. Customers can use the service to transfer money, fund wallets, purchase airtime and data, pay supported bills, and access other available services without an internet connection.
Before making a transaction, verify the recipient’s details, check the applicable fees and account limits, and protect your four-digit PIN. If you encounter a failed transfer or a registration problem, use the official MoMo PSB support channels for assistance.
