How to generate and withdraw MTN MoMo tokens?

Key takeaways

• You can generate an MTN MoMo token to send money to non-MoMo users.
• The token and a 4-digit PIN are required for the recipient to access the money.
• If the token isn’t redeemed within a day, the money automatically returns to your MoMo wallet.

MTN mobile money tokens make it easy to send money to people without a MoMo account or when no agent is available for cash withdrawal.

We’ll cover how to generate a token and how the recipient can withdraw the money.

What is the MTN MoMo token?

An MTN token is a one-time code that allows you to send money to a non-MoMo user or withdraw cash from an ATM.

When generating the token, you set a 4-digit PIN (secret code) to keep it secure. This PIN and the token are required to access the funds.

How to generate an MTN MoMo token?

You can generate an MTN MoMo token for two reasons: sending money to a non-MoMo user or withdrawing cash from an ATM.

To send money to a non-MoMo user:

1. Dial *170#.

2. Select Transfer Money.

3. Select Non-MoMo Number.

4. Enter the recipient’s name.

5. Enter the amount you want to send.

6. Add a reference.

7. Set a 4-digit secret code (your token PIN) and confirm it.

8. Enter your MoMo PIN to complete the transaction.

You’ll receive a confirmation SMS with the token. A flat fee of GHS 1.50 applies to transfers below GHS 50, while transactions above GHS 50 attract a 3% fee.

Alternatively, you can generate MoMo tokens using the default MTN SIM toolkit app on your phone. (Note: This is not the same as the MyMTN app.)

Quick tip: If you’re in an area without MoMo agents, you can generate a token for ATM withdrawal, provided there are available ATMs that support this feature.

How to withdraw an MTN MoMo token?

To redeem the MoMo token, receive the secret PIN and token code from the sender, then visit any MTN MoMo vendor. Let them know you want to withdraw cash using a token. If the token and PIN are correct, you’ll receive your money.

FAQs

What do I do if I make a mistake and want to reverse or cancel the MTN token?

If you haven’t shared the token and secret code with the recipient, wait for it to expire. Otherwise, contact MTN customer service for help.

How long do MTN MoMo tokens stay valid?

MTN tokens expire after 24 hours. If not redeemed, the amount is refunded to the sender’s wallet.

Can I generate tokens using the MyMTN or MyMoMo apps?

No. You can only generate MoMo tokens with the USSD code or the default SIM app.

Conclusion

MoMo tokens are a quick and secure way to send or access money when regular options aren’t available.

Whether you’re helping someone without a MoMo account or need cash from an ATM, this method keeps your money moving.

If you have any questions, please share them with us in the comments below.