Checked 29 Oct 2026
MTN MoMo 3.3Bronze 30 pts
MTN mobile-money service across many African markets for receiving and sending money.
- Only in 13 countriesCheck yours below
- Pays via Agent cash-out+2 more ways to get paid
- Local, in personWork happens near you
- Since
- 2009 17 yrs
Based in- Johannesburg, South Africa
- Web rank
- #44,941 worldwide
Can you join MTN MoMo?
Answer two questions and we check them against MTN MoMo's sign-up rules.
Pick your country and age then press Check. Your answer shows here and in “Can I join?” below.
MTN MoMo is a mobile money where anyone can register to start earning. Fees are Tiered cash-out fees ~0.5-2% and you can withdraw via Agent cash-out, bank transfer and ATM. Founded in 2009, MTN MoMo is based in Johannesburg, South Africa. It is available in 13 countries.
Last updated
Getting paid
What the platform takes, when you get your money and how
Not verified yet: Payment protection · Minimum payout · Payout speed Know the answer? Tell us
From the published fees above, before payment-processing, currency or withdrawal charges. Work out your own amount →
What people actually earn on MTN MoMo
Sourced figures from the platform, filings and independent studies
Figures published by MTN MoMo or by independent studies and surveys, as dated. Individual earnings vary widely.
Our rating
Worked out from the facts on this page, the same way for every platform
Strong on fees. Weaker on access.
- Fees4.5
- Getting paid2.8
- Access2.5
- Track record3.5
- Proof of earnings3.0
Not a review of service quality: a score from verified fees, payouts, access, track record and earnings data. How the rating works
Achievements
30 of 100 points from 4 of 14 achievements, Bronze tier. Earned from verified facts, never paid for
Verified earningsA sourced figure for what people earn or are paid there+10
Why it matters You can judge the pay from a real number instead of the platform's own promises.
How we check We need a figure for what earners are paid, earn typically, or how many people earn, with a link to the filing, pay page or study it came from.
MTN MoMo 1.4M active agents (2025-12)
Every platform with this badge →Clear feesPublishes its cut as a percentage+5
Why it matters You can work out what you keep before you start.
How we check The platform publishes its cut as a percentage on its pricing or help pages, which we record as a range when it is tiered.
MTN MoMo 0.5–2%
Every platform with this badge →Low cutTakes 10% or less of what you earn+10
Why it matters More of every payment reaches you. Many marketplaces take 20% or more.
How we check The highest percentage the platform names in its published fees is 10% or less.
MTN MoMo 0.5–2%
Every platform with this badge →10 years runningFounded at least 10 years ago+5
Why it matters Platforms that have lasted a decade are less likely to vanish with your balance.
How we check Its founding year, checked against company records, is at least 10 years ago.
MTN MoMo Founded 2009
Every platform with this badge →Open worldwideAccepts people from almost every country10
Why it matters Most earning platforms only take people from a handful of countries. This one lets almost anyone join.
How we check The platform's own terms or sign-up pages say it accepts people worldwide, with no more than eight countries left out.
MTN MoMo 14 African countries
Every platform with this badge →Free to joinNo fee to sign up5
Why it matters Paying to join is a red flag on many work sites. This one costs nothing to start.
How we check The platform's sign-up and pricing pages show no fee to register as an earner.
Not earned yet: we have not verified this for MTN MoMo.
Every platform with this badge →Low payout barLets you cash out $10 or less5
Why it matters Small earnings are not left stuck in your account waiting for a high threshold.
How we check The platform's published minimum withdrawal is $10 or less, or it has no minimum.
Not earned yet: we have not verified this for MTN MoMo.
Every platform with this badge →Fast payoutsPays out instantly, daily or on demand5
Why it matters Money arrives when you need it, not weeks later.
How we check The platform says payouts are instant, same-day, daily or on demand.
Not earned yet: we have not verified this for MTN MoMo.
Every platform with this badge →Payment protectionHolds or guarantees payment before you work10
Why it matters Something stops you working for nothing, such as client money held before the work starts.
How we check The platform publishes how it protects earners' payments: escrow, guaranteed pay or a dispute process.
Not earned yet: we have not verified this for MTN MoMo.
Every platform with this badge →Loved appA mobile app rated 4.5 or higher5
Why it matters A well-rated app usually means smooth day-to-day work and fewer payout problems.
How we check The platform's app is rated 4.5 or higher on the Apple App Store or Google Play.
Not earned yet: we have not verified this for MTN MoMo.
Every platform with this badge →Top 10K websiteAmong the world's 10,000 most visited sites (Tranco)5
Why it matters Big platforms have more clients and buyers, and a lot to lose from treating earners badly.
How we check The site ranks in the world's 10,000 most visited on the Tranco list, a research-grade ranking.
MTN MoMo #44,941 worldwide
Every platform with this badge →20 years runningFounded at least 20 years ago5
Why it matters Two decades of paying people is a strong track record.
How we check Its founding year, checked against company records, is at least 20 years ago.
MTN MoMo Founded 2009
Every platform with this badge →Public companyListed on a stock exchange, with audited filings5
Why it matters Listed companies publish audited accounts, so their finances and risks are public.
How we check The company has a stock ticker on a public exchange, with filings we can read.
Not earned yet: we have not verified this for MTN MoMo.
Every platform with this badge →Fully documentedFees, payouts, countries and company details all verified15
Why it matters Everything you need to decide is verified here, not left as guesswork.
How we check Fees, payouts, minimum payout, who can join and the company details are all recorded from official pages.
Not earned yet: we have not verified this for MTN MoMo.
Every platform with this badge →
How achievements and tiers work · Open any badge for the details
Can I join MTN MoMo?
Age, countries, equipment and how sign-up works
Yes, if you live in one of 13 countries.
Enter your country and age in the quick check and we will tell you here whether MTN MoMo accepts you. Your answers stay on your device.
Check with my country13 countries
No special equipment listed.
No sign-up cost listed.
- Sign upFree
- Do your first workJobs, tasks or sales
Good to know: MTN lists these markets but MoMo rules, fees and limits are set by each local MTN company, so check your country's MTN site.
MTN MoMo's official requirements ↗Every platform you can join →
Apps and support
Mobile apps, help channels, awards and press
How MTN MoMo compares
Against similar platforms in our directory
- At 0.5%–2%, MTN MoMo sits near the middle — the median fee across the 15 payment receiving platforms we track that charge a percentage is 1.7%.
- MTN MoMo offers 3 ways to withdraw — more than most payment receiving platforms we track (typical: 2).
- Founded in 2009, MTN MoMo has been running for about 17 years — longer than 38 of the 53 payment receiving platforms we track with a known launch year.
Compared with the payment receiving platforms in our directory. See them all →
Is MTN MoMo legit?
What we could verify about the company
MTN MoMo is a real, operating platform. What we could verify:
- Operating since 2009 (17 years)
- Headquartered in Johannesburg, South Africa
- Its domain mtn.com was registered in 1993 (registry record)
- Among the world's top 100,000 websites by traffic (Tranco rank #44,941)
Listing last updated October 2026 · how we verify platforms · Missing or out of date? Tell us
MTN MoMo in public records
Company filings, web traffic and app store data
- Website rank
- #44,941 worldwideAmong the top 100,000 sites (mtn.com)
- Domain registered
- Feb 1993mtn.com, 33 years ago
Sources: Tranco · RDAP registry. Retrieved October 29, 2026.
MTN MoMo timeline
Founding, funding, milestones and news
-
Founded
MTN MoMo founded
Headquarters today: Johannesburg, South Africa
-
Milestone
1.4M active agents
In its 2025 financial results, the company says its MoMo network ended December 2025 with 1.4 million active agents.
Source ↗ -
On FreelanceSites
Added to the FreelanceSites.net directory
Checked against its official pages before listing.
-
Milestone
UGX2,000 cash-out commission
As of October 2026, MTN Uganda's agent commission table lists UGX2,000 for processing a customer withdrawal of UGX250,001 to UGX500,000.
Source ↗
From the platform's own reports and press coverage we checked, plus company records on Wikidata. Know a milestone we're missing? Tell us
Guides
Step-by-step help for this platform
No step-by-step guide for MTN MoMo yet. Browse all guides or find the right way to earn for you.
Frequently asked questions
Quick answers about MTN MoMo
How much does MTN MoMo charge?
MTN MoMo fees: Tiered cash-out fees ~0.5-2%. On a $100 payment that leaves you about $98–$99.50, before withdrawal or conversion costs.
How do you get paid on MTN MoMo?
MTN MoMo pays out via Agent cash-out, bank transfer and ATM.
Which countries is MTN MoMo available in?
13 countries. Its main focus is Ghana, Uganda, Cameroon and Ivory Coast.
How much do people earn on MTN MoMo?
In its 2025 financial results, the company says its MoMo network ended December 2025 with 1.4 million active agents. Individual earnings vary widely.
Is MTN MoMo legit?
Yes, MTN MoMo is a real, operating platform: operating since 2009 (17 years), headquartered in Johannesburg, South Africa and its domain mtn.com was registered in 1993 (registry record). As with any platform, check its current terms before relying on it for income.
What are the best MTN MoMo alternatives?
Similar platforms include Wave, Wise, Payoneer and PayPal. Compare their fees and payouts in the alternatives section below.
Compare MTN MoMo with…
MTN MoMo alternatives
More payment receiving like Payoneer
WaveA West African mobile-money app with low fees for receiving and sending money.
Fees Free deposits and withdrawals, 1% P2P feewave.com
WiseA multi-currency account with local bank details in 9+ currencies - clients pay you like a local, and conversion happens at the mid-market rate.
Fees Low conversion fees at the mid-market ratewise.com
PayoneerThe freelancer favorite for international payments - receiving accounts in USD, EUR, GBP and more, connected directly to Upwork, Fiverr, Amazon, and dozens of marketplaces.
Fees Withdrawals 1.2-4% ($1.50 USD to US), 0.5% conversion, $29.95/yr if under $6Kpayoneer.com
PayPalThe most widely accepted way to get paid online - send an invoice or a PayPal.Me link and receive from almost any client in the world.
Fees Fees vary by transaction type and countrypaypal.com
SkrillA digital wallet long popular with freelancers and online workers for receiving and sending money internationally at low cost.
Fees Free to receive, 2.99% to send, 2.8% withdrawal (min EUR 3.50), 4.49% FXskrill.com
RevolutA financial super-app with multi-currency accounts - freelancers receive international payments and hold, exchange, and spend dozens of currencies.
Fees Free standard plan, ATM/FX fees beyond allowancesrevolut.com