MTN Mobile Money Services allows you to do the following :
Deposit money into your account
You may deposit money into your account through a MobileMoney scratch card

  • On your phone menu, go to MTN Services
  • Click on MobileMoney -> Load Account
  • Select MM Scratch Card
  • Enter the twelve-digit PIN as printed on the Scratch Card
  • Confirm the details supplied
  • Enter your Account PIN
  • Your will receive a confirmation message of the successful loading.

Send Money
You can send money to a fellow MobileMoney subscriber or to Non-Subscriber
To send money to a MobileMoney subscriber

  • On your phone menu, go to MTN Services
  • Click on MobileMoney -> Send Money-> Mobile User
  • Enter receiver’s mobile number
  • Repeat the mobile number
  • Enter the amount you wish to send
  • Enter a reference, e.g. “Gift from Peter” (optional)
  • Confirm the details supplied
  • Enter your Account PIN
  • You will receive a confirmation message

To send money to Non-MobileMoney subscribers

  • On your phone menu, go to MTN Services
  • Click on MobileMoney -> Send Money -> Others
  • Enter the amount you wish to send
  • Select a four-digit secret code
  • Repeat the secret code
  • Confirm the details supplied
  • Enter your Account PIN
  • You will receive an SMS containing the secret code and a Token (a randomly generated twelve-digit number)
  • Pass on the Token and the secret code to the receiver. Thereafter, the receiver goes to a MobileMoney Agent to cash out the money.

To cash-out from Token

  • Go to a any MobileMoney Cash-Out agent
  • Tell the agent you have a MobileMoney Token to cash-out
  • Give the Token to the agent, but NOT the secret code
  • The agent will enter this Token on his mobile phone
  • Agent will hand over his phone to you to enter the Secret Code
  • Enter the Secret Code on the agent’s mobile phone
  • The system will process your Cash-out request

Thereafter, collect the cash from the agent
Withdraw Money
You may withdraw money from your account in two ways:

  • Via a participating agent
  • Via an ATM

Via a participating agent

  • Visit any MobileMoney Cash-Out agent
  • Tell the agent how much you wish to cash-out
  • On your phone menu navigate to MTN Services
  • Click on MobileMoney -> Allow Cash-Out
  • Select ‘Cash-Out ON’
  • Enter your Account PIN
  • Supply your mobile number to the agent
  • Await a confirmation prompt from the system (sent by the agent to your phone)
  • Click ‘Ok’ when the confirmation prompt arrives on your phone
  • Click ‘Yes’ to approve the cash-out
  • Enter your account PIN
  • You will receive a confirmation message of the successful cash-out along with the remaining MobileMoney balance after the transaction.
  • Receive the cash from the agent

Via an ATM
To withdraw money via an ATM you must ensure your debit card is linked to your account and is switched on
To link your MobileMoney debit card to your account
1. On your phone menu, go to MTN Services
2. Click on MobileMoney -> Manage Account -> Bank Card -> Link Bank Card
3. Enter your debit card Number
4. Repeat the debit Card Number
5. Enter your account PIN
6. You will receive a confirmation message upon completion.
To switch on your Debit card
1. On your phone menu, go to MTN services

2. Click on MobileMoney -> Manage Account -> Bank Card -> Bank card ON
3. Enter your account PIN and Click Ok
4. You will receive a confirmation message upon completion.
To switch off your Debit card
1. On your phone menu, go to MTN services

2. Click on MobileMoney -> Manage Account -> Bank Card -> Bank card OFF
3. Enter your account PIN and Click Ok
4. You will receive a confirmation message upon completion.
Buy MTN Airtime

  • On your phone menu, go to MTN Services
  • Click on MobileMoney -> Buy MTN Airtime
  • Enter the amount of Airtime you wish to buy
  • Enter the beneficiary’s mobile number (no entry is required if your own mobile phone is the beneficiary)
  • Repeat the mobile number entered in step 4 above
  • Confirm the details supplied
  • Enter your Account PIN
  • You will receive a confirmation message

Manage My Account
Check account Balance

  • On your phone menu, go to MTN Services
  • Click on MobileMoney -> Manage Account -> Check Balance
  • Enter your account PIN
  • You will receive a message with your balance.

View account Statement

  • On your phone menu, go to MTN Services
  • Click on MobileMoney -> Manage Account-> View Statement
  • Enter your account PIN
  • You will receive a message containing the five (5) latest transactions on your account

Save a MobileMoney account number as your favourite receiver

  • On your phone menu, go to MTN Services
  • Click on MobileMoney -> Manage Account -> Favourites -> Add Favourite
  • Enter the Name of your favourite
  • Key in your Favourite’s mobile number
  • Repeat the mobile number
  • Enter your Account PIN
  • You will receive a confirmation upon completion

Delete a number that is saved as your Favourite Receiver

  • On your phone menu, go to MTN Services
  • Click on MobileMoney -> Manage Account -> Favourites -> Delete Favourite
  • Enter Name or Find
  • Confirm Deletion
  • Enter Account PIN
  • You will receive a confirmation message on completion

Change account PIN

  • On your phone menu, go to MTN Services
  • Click on MobileMoney -> Manage Account -> Change Acct PIN
  • Enter your current account PIN
  • Select a new account PIN
  • Repeat the new account PIN your entered in step 4 above
  • You will receive a confirmation message upon completion.
  • Go to the MobileMoney website, www.GTbank.com/mobilemoney
  • Enter your mobile number.
  • Click on ‘Log on’. This will trigger a “six digit number” display on your web screen; note this number
  • On your phone menu, go to MTN Services
  • Click on MobileMoney -> Manage Account -> My Web Login
  • Enter the six-digit number within 60 seconds to avoid time out
  • Enter your Account PIN
  • You will receive a confirmation message on completion

My question is, would you rather prefer iyour bank's mobile or internet banking to MTN Mobile Money Services ?.