How to Convert MTN Airtime to MoMo Wallet in Nigeria
Imagine you have extra MTN airtime sitting unused on your line. You meant to buy data or call someone, but your balance ballooned instead. It’s tempting to let it go to waste—yet many people wish there was a reliable way to transform that unused airtime into usable funds in their MoMo (mobile money) wallet.
The problem is, MTN Nigeria does not provide a direct, built-in “airtime to MoMo wallet” feature in its official services for consumers. So you’ll find conflicting guides, shady platforms, and trial-and-error recommendations from users. Some claim codes work, others rely on third-party apps or intermediaries. The risk of scams or delays is real.
In this article, I walk you through everything known so far: what works, what doesn’t, how to use intermediary conversion platforms (apps or web), when codes might apply, and how to do it safely. Use this as your go-to guide to convert your MTN airtime to MoMo wallet (or equivalent), with clear steps, warnings, and FAQs.
How to Convert Airtime to Money on MTN
Before we dive into converting airtime into MoMo wallet, it’s useful to understand how people more generally convert MTN airtime into cash or bank value. Many “airtime-to-cash” services act as middlemen: you transfer airtime to them, they credit your account (wallet or bank), minus a commission.
For instance, ConvertVTU offers a conversion service: you register or login, pick “Airtime to Cash,” fill a form, then transfer the airtime using a code. After verification, they credit Naira into your wallet or bank.
Another example: AirtimeFlip lets you convert airtime to cash by sending it to a generated number. They support all networks and claim to pay quickly.
Prestmit is similar: select your network, enter the amount, send the airtime to the given number, then they send you cash.
These services provide the foundational model for how airtime → MoMo might be feasible: use a conversion service that supports mobile money wallets or that deposits into a wallet that is convertible to MoMo.
How to Transfer MTN Airtime to MoMo Wallet in Nigeria Online
To move MTN airtime into a MTN MoMo wallet (or a compatible mobile money wallet) via an online intermediary, here’s how the process often works:
- Choose an airtime-to-cash platform that supports MoMo wallet funding (or direct wallet credit). Some platforms like Tingtel explicitly support converting airtime to MTN MoMo.
- Register or log in, and complete any KYC or identity verification the platform requires.
- Initiate a “Convert” or “Fund Wallet with Airtime” transaction. The interface will ask your network (MTN), the airtime amount, and your MoMo wallet details.
- The platform will provide you with a destination number (or account) to which you must transfer the airtime from your MTN line.
- You dial the transfer code (or do the airtime transfer) to send the airtime to that destination.
- The platform receives and verifies the airtime, then credits your MoMo wallet (or their own wallet which you can withdraw to MoMo).
- You may then see the MoMo wallet updated, usually within minutes (depending on the platform).
Because MTN does not natively support airtime → MoMo, the success depends on whether the platform is legitimate, supports wallet credit, and has capacity to convert and deposit funds properly.
Read also: Naira9ja Loan App: Easy Steps to Apply and Get Approved
How to Convert MTN Airtime to MoMo Wallet Online
This is essentially the same as “transfer via an intermediary” but emphasizing the “wallet credit” rather than “cash” component. Many airtime conversion services are expanding to support wallet funding as an option. For example, Tingtel lists “Convert Airtime to Mobile Money (MTN MoMo, Airtel SmartCash)” as one of its features.
Thus, you can choose “Airtime to Wallet” instead of “Airtime to Cash” on such platforms, provide your MoMo wallet number, and follow the same steps: transfer airtime to a provided number, wait for validation, then see wallet credited.
How to Transfer MTN Airtime to MoMo Wallet in Nigeria Using Code
If there were a native code-based workaround, it would simplify things—but so far, there is no verified, widely accepted USSD code that directly transfers MTN airtime to MoMo wallet without using an intermediary.
Sometimes users ask on MTN community forums: “How to convert MTN airtime into my MoMo wallet?” The responses typically point to third-party platforms rather than a carrier code.
Because MTN treats airtime and mobile money as different services, a direct “airtime to MoMo” USSD command is not officially documented by MTN Nigeria at this time.
Therefore, your best route using code is via the intermediary’s provided transfer instructions (e.g. the number they ask you to send airtime to). That transfer is done with your regular airtime transfer code (e.g. *600*destination*amount*PIN# or equivalent), not some special “to MoMo” code.
How to Convert MTN Airtime to MoMo Wallet Without Code
If you prefer not to use USSD or manual codes, the only feasible method is via apps or platforms that abstract that step for you. In such cases, the app itself instructs you, handles verification, and might even automate the transfer. You just confirm in the app or web interface.
For instance, when you use Tingtel’s app, you choose “Convert Airtime to Wallet,” select MTN and enter details, and the interface handles the behind-the-scenes code step. You might need to authorize the transfer in the app, or copy/paste the transfer instruction rather than dialing a code manually.
Other platforms may generate a clickable “transfer” or “send airtime” button or instruct you to send from your airtime-to-cash interface. The user experience hides the complexity of codes.
Read also: How to Borrow Money from Opay (Loan)
Steps to Convert MTN Airtime to MoMo Wallet in Nigeria
Here’s a distilled, stepwise method combining what works and is safe:
- Choose a trustworthy conversion platform
Pick an airtime-to-cash or airtime-to-wallet service that explicitly supports MTN airtime funding into MTN MoMo wallet (or wallet deposit). Check reviews and user feedback to avoid scams. - Register / verify your account
Provide required KYC, identity, BVN, etc., if needed. Many platforms require verification for wallet deposit or withdrawal. - Select “Convert Airtime to Wallet” (or equivalent)
In the platform interface, choose your network (MTN), enter the amount of airtime to convert, and supply your MoMo wallet number/address. - Get the destination (platform) number or instructions
The platform will display a number (or wallet) to which you must send the airtime. - Perform the airtime transfer
Use your phone’s standard airtime transfer code to send the specified amount from your MTN line to the destination. Usually something like *600*destination_number*amount*PIN# or similar, depending on the network’s airtime transfer method. - Wait / confirm conversion
After the platform receives and validates the transfer, they credit your MoMo wallet. If conditions are met, it may reflect in a few minutes. - Verify your wallet
Open MoMo and confirm the credit. If not received in expected time, reach out to platform support with transaction reference and proof. - Withdraw / use funds
Once the funds are in MoMo, you can spend, send, withdraw to bank, or whatever MoMo allows.
FAQs: Convert MTN Airtime to MoMo Wallet
Can I fund MoMo with Airtime?
Not natively via MTN. You must use a third-party conversion service or app which supports funding MoMo wallets. MTN’s official services do not include a direct airtime → MoMo transfer.
How do I convert airtime to MoMo wallet?
Choose a platform that supports it (like Tingtel), provide network and MoMo details, transfer the airtime to the destination number they supply, and wait for your wallet to be credited.
How do I convert my MTN airtime to money?
Use airtime-to-cash services (Gosub, AirtimeFlip, Prestmit) which accept MTN airtime, validate it, then credit you cash to your bank, wallet, or sometimes MoMo
How to reverse MTN airtime to mobile money?
If “reverse” means convert airtime back into money in mobile money/wallet, follow the same conversion process via a trusted platform — there’s no official MTN reverse code.
Can MoMo convert airtime to cash on MTN?
No, MoMo itself doesn’t perform airtime conversions from MTN. MoMo is a wallet platform. You need intermediary conversion services to bridge airtime → MoMo → cash or wallet credit.