MTN MoMo
MTN MoMo: A broad mobile wallet for transfers, bills, QR payments and other financial services. Ranked #46 of 89 in Mobile Payment Apps by our editors (4.2/10); pricing: Free plan; best for users seeking broad mobile-money functionality.
At a glance
- Editor score4.2 / 10
- PricingFree plan
- Best forUsers seeking broad mobile-money functionality
- Free planYes
- Paid fromFree
- In-store paymentsYes
- Facts checked25 Oct 2026
Where it wins
- Supports local and international money transfers
- Combines bill pay, merchant payments, QR pay and cash in or out
- Adds virtual cards, airtime, savings and lending services
Where it doesn't
- Service availability and features vary by country
- Dedicated apps are used in some markets
- Support is listed through phone channels
Our verdict on MTN MoMo
MTN MoMo is a mobile financial-services app and wallet from MTN Group for consumers and businesses in African markets. It brings everyday payment tasks together with other money services: users can send and receive money locally and internationally, pay bills and merchants, scan QR codes, deposit or cash out, and buy airtime and data. The breadth makes it relevant to people who want more than a basic transfer app, while country-level availability is an important consideration for anyone choosing a wallet for a specific market.
Its feature range extends into virtual cards for online payments, loans and advances, savings, and investment options. Those additions give MoMo a wider role in managing day-to-day money, but the product description qualifies several services as available where offered. The official Android listing names Benin, Cameroon, Congo-Brazzaville, Côte d’Ivoire, Ghana, Uganda and Zambia; South Africa and Nigeria have dedicated apps. Buyers should check that the app and the particular services they want are available in their country before relying on MoMo as a single wallet for payments and savings.
MTN MoMo is listed with a free pricing model and supports iOS and Android. That describes the app’s pricing model, not necessarily the cost of each transaction or service. The product details identify phone support and biometric login, but do not describe a broader platform ecosystem or desktop deployment. Pick MoMo if mobile access to transfers, QR merchant payments, bill pay and additional financial services is the priority. It is a less certain fit for someone who needs the same feature set across countries or a clearly specified transaction-cost schedule before choosing a payment app.
Your product? Our editors can test MTN MoMo in depth and publish a review, labelled as paid · from $149/mo →
MTN MoMo pricing
MTN MoMo fact sheet
| Free plan | Yes |
|---|---|
| Paid from | Free |
| In-store payments | Yes |
| Peer transfers | Yes |
| Bill payment | Yes |
| QR payments | Yes |
| International transfers | Yes |
| Mobile platforms | Both |
| Deployment | Mobile |
| Platforms | iOS, Android |
| Support | Phone |
| Built for | Solo, Small business, Mid-market, Enterprise (editorial estimate) |
| Pricing | Free plan |
| Website | momo.africa |
| Facts checked | 25 Oct 2026 |
Alternatives to MTN MoMo
- PhonePeA free iOS and Android app for everyday UPI transfers, QR payments and bills.9.4
- Apple PayA no-cost payment service for Apple devices, with checkout availability depending on merchant and region.9.2
- Weixin PayA free mobile wallet for QR, merchant and supported cross-border payments.9.1
See all MTN MoMo alternatives →
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Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026
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