How to receive money into your MoMo Account from Abroad

• Log In & Verify: Open the MoMo app, log in using your MTN number,use your passcode or pin to login
• Share Your MTN Number: Provide your MTN number to the sender abroad—they’ll need it to complete the transfer.
• Sender Uses Lightway Finance Portal: Ask the sender to go to the Lightway Finance Portal, create an account (if new), and select “Send Money” → enter the amount → choose “Direct to MoMo Wallet” as the delivery method.
• Money Arrives Instantly: Once the sender confirms the transfer, the funds will be deposited directly into your MoMo account—no further action needed on your end.

To send money abroad with MoMo, simply follow the steps below:

Step 1: Open your MoMo app, go to the ‘Transfer’ section, and tap on ‘To Africa’.
Step 2: Choose the recipient’s country from the list.
Step 3: Enter the recipient’s phone number, the amount you want to send, and the purpose of the transaction. Then tap ‘Continue’.
Step 4: Review the transaction details carefully, then enter your PIN to complete the transfer.
That’s it! The money will be credited to your recipient’s MoMo wallet, and they’ll get an SMS confirmation.

Here’s a quick video guide for you.

You can send money to Ghana, Rwanda, Togo, Benin Republic, Cameroon, Congo DRC, Congo Brazzaville, Gambia, Cote d’Ivoire, Liberia, Malawi, Zambia, Sierra Leone, and Uganda.

You can send any amount you like. However, the total amount you can send per day depends on the limit of your account Tier as set by CBN.
Tier 1: N50,000 daily limit
Tier 2: N200,000 daily limit
Tier 3: 5,000,000 daily limit

You only need the receiver’s MoMo account number and their name to confirm you’re sending the money to the right person.

Yes, you need to have a MoMo account to make international transfers with MoMo.

It’s easy! Simply follow the steps below:
Step 1: Go to Playstore or App store, search for MoMo PSB and download the app
Step 2: Launch the app and click on Get Started.
Step 3: Review the Terms of Service and Privacy Policy and accept them.
Step 4: Enter your email address, MTN phone number, and referral code (if you have one), and click Continue
Step 5: Verify your account by entering the OTP sent to your phone number
Step 5: Create your login Passcode- create a 6-digit login PIN for your account, confirm the PIN and click continue.
Step 6: Set up your Security Questions by selecting 3 questions from the list and provide your answers to them.
Step 7: Set your 4-digit transaction PIN
That’s it! Your account is successfully created.

We charge a flat fee of 3% on the amount you’re sending. No hidden charges!

The transfers are instant. The receiver gets the money in their MoMo account immediately

You’ll get an SMS confirmation.

The receiver will get the money in their MoMo account instantly

You send in Naira and the receiver gets it in their local currency.

You can send money via the app and our USSD channel (*671#)

Cash drop-offs are currently not available. To send money, you’ll need to do it via the MoMo app or USSD (*671#).

The exchange rates are benchmarked with prevailing rates in the market.

This rarely happens; however, you can raise a dispute on this by reaching out to us:
Helpdesk: 671 (toll free)
WhatsApp: 07031594671
Email: customercare@momopsb.com

You can send to US, Europe, Canada, and rest of the world via the Lightway app or web portal.

It’s simple:
• Visit the Lightway Finance app or website and create your profile
• Click “Send Money”
• Enter the amount you want to transfer
• For currency payout, select Direct to MoMo Mobile Wallet
• Add other details as required.
• Confirm and complete the payment
The money arrives instantly in your MoMo wallet in local currency.

Click here to get the android app

Click here for the iOS app.

You can also access the Lightway web portal by clicking here

There are no transaction limits, but certain thresholds necessitate Anti Money Laundering checks

You can receive money from Ghana, Rwanda, Togo, Benin Republic, Cameroon, Congo DRC, Congo Brazzaville, Gambia, Cote d’Ivoire, Liberia, Ghana, Malawi, Zambia, Sierra Leone, Uganda, Kenya, and South Sudan, as well as from the UK, US, Europe and Canada straight into your MoMo wallet.

The amount you can receive depends on the limit of your account Tier as set by CBN.
Tier 1: N50,000

Tier 2: N200,000

Tier 3: Unlimited

Yes, you’ll receive the money in your local currency.

You’ll get an SMS alert once the money hits your account.

Only the normal N10 transfer charges apply when you send money from your account.