Linking your bank account to MoMo lets you move money between the two from your phone, with no queue at the bank or agent.

MTN says registration and linking of your MoMo and bank account is primarily done by your bank. Visit a branch, use your bank’s app or internet banking, or call your bank and ask to link your MTN MoMo number. Bring your Ghana Card.

MTN lists these banks under its MoMo service: ABSA, Access Bank, ADB, Bank of Africa, CAL Bank, CBG, Ecobank, First Atlantic, Fidelity, FBN, GCB, GT Bank, Republic Bank, Stanbic, UBA, UMB and Zenith Bank. Check with your bank if it is not listed.

Step 2: move money

By USSD

  1. Dial *170#.
  2. Enter 5 for Financial Services.
  3. Enter 1 for Bank Services.
  4. Enter 1 (Transfer to Bank) or 2 (Transfer from Bank).
  5. Select your bank and account, enter the amount and your MoMo PIN.

In the app

MyMTN app: MoMo → enter PIN and OTP → Bank Services. The MoMo app also lets you push money to your bank or pull from it.

Menus and codes change from time to time. If an option number on your phone differs from the one here, follow the option names instead.

Fees

Check the fee on the confirmation screen before entering your PIN. MTN announced a 0.75% MoMo-to-bank fee (capped at GH₵5) from June 2026, but news reports say the Bank of Ghana directed it to pause. See MoMo charges in Ghana.

If a transfer does not arrive

MTN asks you to share the transfer details through its channels so it can confirm receipt, and to contact your bank as well. Keep the reference numbers.

This guide was checked in October 2026. Menus and services change, so if something looks different on your phone, check with your provider.

Common questions

MTN says the link is primarily set up by your bank. Visit or contact your bank, or use its app, to link your MoMo number.

Which banks work with MTN MoMo?

MTN lists banks including ABSA, Access Bank, ADB, Bank of Africa, CAL Bank, CBG, Ecobank, First Atlantic, Fidelity, FBN, GCB, GT Bank, Republic Bank, Stanbic, UBA, UMB and Zenith.

Is there a fee for MoMo to bank transfers?

MTN announced a 0.75% fee capped at GH₵5 from June 2026, but news reports say the Bank of Ghana directed it to pause. Check the fee shown before you confirm.

My bank transfer to MoMo has not arrived. What now?

MTN says to share the transfer details through its channels so it can confirm receipt, and to contact your bank too.

Sources