Sending and receiving money from any part of the world is now as easy as saying Y’ello! All you need is your MTN MoMo wallet.

HOW TO SEND MONEY FROM YOUR MTN MOMO WALLET TO OTHER COUNTRIES

Send money to BOTSWANA

You can now send money to Botswana directly from your MTN Mobile Money wallet. The recipient should have an active Mobile Money wallet.
To send money follow the steps below: 

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 1. Botswana
• Enter the recipient’s phone Number with Country Code 267
• Enter amount in Kwacha
• You will get a transfer preview which includes the recipient number, send amount, fee and the amount that will be received.
• Enter PIN to confirm

Send money to BURUNDI

You can now send money to Burundi directly from your MTN Mobile Money wallet. The recipient should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 2. Burundi
• Enter the recipient’s mobile number with Country Code 257
• Then Enter amount in Kwacha
• You will get a transfer preview which includes the Recipient number, send amount, fee and the amount that will be received.
• Enter PIN to confirm

Send money to MALAWI

You can now send money to Malawi from your MTN Mobile Money wallet. The recipient should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 3. Malawi
• Choose the recipient’s mobile network provider
• Enter the recipient’s mobile number with Country Code 265
• Enter amount in ZMW Kwacha 
• You will get a transfer summary which includes the Recipient number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

Send money to MTN RWANDA

You can now send money to Rwanda directly from your MTN Mobile Money number. The customer should have MTN Mobile Money active wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 4. Rwanda
• Choose the recipient’s mobile network provider
• Enter the recipient’s phone number with Country Code 250
• Then Enter amount in Kwacha
• You will get a transfer preview which includes the recipient number, send amount, fee, and the amount in Rwandan Francs (RWF) that will be received.

Send money to South Africa

You can now send money to South African bank customers directly from your MTN Zambia Mobile Money wallet. The customer should have an active Bank account.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 5. South Africa
• Select the recipient’s Bank
• Enter recipient Bank Account Number
• Enter amount in Kwacha
• Enter the recipient’s phone number starting with country code 27
• Enter recipient first name
• Press option 1. Proceed and follow the prompts to complete the transaction.
• You will get a transfer summary which includes the send amount, recipient’s full name, bank account number, country, the forex rate and the transaction charge
• Enter PIN to confirm

Send money to TANZANIA

You can now send money to Tanzania directly from your MTN Mobile Money number. The recipient should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 6. Tanzania
• Choose the recipient’s mobile money network
• Enter the recipient’s mobile number with Country Code 255
• Then Enter amount in ZMW Kwacha
• You will get a transfer preview which includes the recipient number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

Send money to UGANDA

You can now send money to Uganda directly from your MTN Mobile Money wallet. The recipient should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 7. Uganda
• Choose the recipient’s mobile network
• Enter the recipient’s mobile number with Country Code 256
• Enter amount in ZMW Kwacha
• You will get a transfer preview which includes the Recipient number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

Send money to ZIMBABWE

You can now send money to Econet Zimbabwe customers directly from your MTN Mobile Money wallet. The customer should have an active EcoCash Mobile Money wallet.
To send money follow the steps below;

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 8. Zimbabwe
• Enter the EcoNet recipient’s phone number with Country Code 263
• Enter amount in Kwacha
• You will get a transaction summary which includes the fee, the forex rate and the amount in Zimbabwean dollars that will be received.
• Enter PIN to confirm

Send money to DR CONGO

You can now send money to DR Congo directly from your MTN Mobile Money wallet. The customer should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 00) Next and 3. DRC Congo
• Choose the recipient’s mobile network
• Enter the recipient’s mobile number with Country Code 243
• Enter amount in ZMW Kwacha
• You will get a transfer preview which includes the Recipient number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

Send money to MOZAMBIQUE

You can now send money to Mozambique directly from your MTN Mobile Money wallet. The recipient should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 00 Next and 4. Mozambique
• Choose the recipient’s mobile network
• Enter the recipient’s mobile number with Country Code 258
• Enter amount in ZMW Kwacha
• You will get a transfer preview which includes the Recipient number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

Send money to KENYA

You can now send money to Kenya directly from your MTN Mobile Money wallet. The customer should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 00) Next and 5. Kenya
• Choose the recipient’s mobile network
• Enter the recipient’s mobile number with Country Code 254
• Enter amount in ZMW Kwacha
• You will get a transfer preview which includes the Recipient number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

Send money to CAMEROON

You can now send money to Cameroon directly from your MTN Mobile Money wallet. The customer should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 00) Next and 6. Cameroon
• Choose the recipient’s mobile network
• Enter the recipient’s mobile number with the correct Country Code
• Enter amount in ZMW Kwacha
• You will get a transfer preview which includes the Recipient number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

Send money to COTE D’IVOIRE

You can now send money to Cote d’Ivoire directly from your MTN Mobile Money wallet. The customer should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 00) Next and 7. Cote d’Ivoire
• Choose the recipient’s mobile network
• Enter the recipient’s mobile number with the correct Country Code
• Enter amount in ZMW Kwacha
• You will get a transfer preview which includes the Recipient number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

Send money to GHANA

You can now send money to Ghana directly from your MTN Mobile Money wallet. The customer should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 00) Next and 8. Ghana
• Choose the recipient’s mobile network
• Enter the recipient’s mobile number with the correct Country Code
• Enter amount in ZMW Kwacha
• You will get a transfer preview which includes the Recipient number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

Send money to GUINEA CONAKRY

You can now send money to Guinea Conakry directly from your MTN Mobile Money number. The recipient should have an active mobile money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 00) Next and 1. Guinea Conakry
• Choose the recipient’s mobile network
• Enter the recipient’s mobile number with the correct Country Code
• Enter amount in ZMW Kwacha
• You will get a transfer preview which includes the Recipient number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

Send money to LIBERIA

You can now send money to Liberia directly from your MTN Mobile Money number. The recipient should have an active Mobile Money wallet.
To send money follow the steps below:

• Dial *115#
• Select Send Money
• Select option 7. International Transfer
• Select option 00) Next and 2. Liberia
• Choose the recipient’s mobile network
• Enter the recipient’s mobile number with the correct Country Code
• Enter amount in ZMW Kwacha
• You will get a transfer preview which includes the recipient’s number, send amount, Country, the forex rate, and the transaction fee charge. And follow the prompt to proceed.
• Enter PIN to complete the transfer

HOW TO RECEIVE MONEY DIRECTLY INTO YOUR MTN MOMO WALLET

Receive funds instantly onto your MTN MoMo wallet from any part of the world anytime and anywhere in Zambia.
Below is a list of MTN remittance service partners and how to receive via their platforms;

WorldRemit

You can now receive money directly onto your MTN Mobile Money account from around the world. Customers overseas can send money directly to you using www.worldremit.com.
The sender requires a bank account and should be from one of the countries where WorldRemit is operational.
Receiving MTN Mobile Money is free.
How it works:

Step 1
Create an account:
Sign up with your email address and choose a strong password. You can use the website OR app to register.

Download the WorldRemit app from the Google Play or iOS stores from the links here:

• Google Play: https://play.google.com/store/apps/details?id=com.worldremit.android
• iOS App store: https://itunes.apple.com/us/app/worldremit/id875855935?mt=8

Step 2
Register your details with WorldRemit. You will be required to provide identity details to ensure that all transactions are safe and free from money laundering/fraudulent activity.

Step 3
Once registered, international customer’s will be able to send money to customers in Zambia.
For more information, please visit: https://www.worldremit.com/en/how-it-works

Western Union

Sending and receiving money worldwide just got easy:
MTN Mobile Money customers can now receive money from Western Union! Zambians in the diaspora can conveniently send money back home to their loved ones directly on their MoMo accounts and customers no longer have to travel long distances to locate bank branches or outlets before they can redeem their funds sent from abroad.
How does it work?
Send in person:

• Search for a Western Agent near you
• Complete the Send Money section of the send form and choose Mobile Wallet Deposit.
• Include your receiver’s MoMo mobile phone number.
• Give the agent the completed form with the applicable funds (including transaction fee) in cash
• Save your receipt with the tracking number

Send online: Log in or sign up and create your profile for free to send money online.
Send with our app: Send money, check exchange rates, or start a transfer in the app and pay in-store—all on the go.
For more information, please visit: www.westernunion.com/us/en/mobile-wallet.html

Remitly

MTN MoMo customer can receive money directly into their wallets from across the globe via Remitly in a faster, affordable, and more transparent way.
Create an account using the app

1. Download the Remitly app in the iOS App Store or Google Play Store
2. Select where you’re Sending from and where you’re Sending to
3. Tap Next
4. Enter your email address and password to Join

Create an account on Remitly.com

1. Click Join Now
2. Select the country you’re sending to
3. Enter your email address and password to Join now

For more information, please visit: www.remitly.com/us/en/zambia

Cassavaremit

MTN MoMo customer can receive money from cassavaremit online money transfer system
How it Works:

Send money in 3 easy steps

Step 1: Choose Amount
You can either enter the amount you want to send or the amount you need the recipient to receive.

Step 2: Select Recipient

• Paying a new recipient – Please enter the recipient details.
• Making a payment into a previously set up recipient.

Step 3: Make Payment
You can pay using your debit card or bank account.
For more information, please visit: www.cassavaremit.com

Paysend

Receive money instantly into your MTN Mobile Money wallet from the UK, Europe, Canada, and USA.
How to send money to Zambia:

1. Create your Paysend account
   Click the Sign Up button and fill out some basic information about yourself. We’ll ask you for your mobile number, first and last name, date of birth and residential address.
2. Set up your first money transfer
   Click the ‘New Transfer’ button, select the transfer method, enter the transfer amount, and provide payment details for yourself and the recipient.
3. Double-check that you’re ready to go
   Make sure all details are correct and review the transfer amount. If you’re happy with the exchange rate and low transfer fee, confirm your transaction.

For more information, please visit: https://paysend.com/en-zm/send

MoneyGram

MoneyGram makes receiving money easy and convenient through a global network of over 200 countries and territories directly into MTN MoMo wallets.
Steps:

1. Send money transfers online or in the app
   Using the Fee Estimator, select the ‘Mobile Wallet’ receive method.
2. Send in-store using cash
   Visit one of our convenient locations to send money transfers directly to a MTN MoMo mobile wallet.
3. Provide your receiver’s information
   Online and in-store, provide full legal name and mobile number, including international dial code to send to their mobile wallet.

For more information, please visit: www.moneygram.com/intl/en/how-to-send-money