Your MTN phone number, without the first zero (0), is your MoMo PSB account number.
If you have a MoMo Payment Service Bank account in Nigeria and you are asking, “How do I know my MoMo account number?”, you are not alone.
Many MoMo users have asked me for this information, especially when they want to transfer money from another bank such as OPay, PalmPay, Moniepoint, Kuda, Access Bank, GTBank or another Nigerian financial institution into their MoMo wallet.
The good news is that finding your MoMo account number is simple.
For a standard MoMo PSB account linked to an MTN number, your MoMo account number is generally your MTN mobile phone number without the first zero (0).
So, if your MTN phone number is:
0803 123 4567
Your MoMo account number is:
8031234567
When sending money from another Nigerian bank or financial app, select MoMo PSB as the receiving financial institution and enter the appropriate 10-digit number linked to your MoMo account.
MoMo PSB confirms in its official FAQ that a customer’s MTN phone number, without the first zero, is used as the MoMo account number for funding the account from another bank.
In this article, I will explain everything you need to know about finding and using your MoMo account number.
Quick Answer: What Is My MoMo Account Number?
Your MoMo account number is:
Your registered MTN phone number without the first zero.
Example
| MTN Phone Number | MoMo Account Number |
|---|---|
| 08031234567 | 8031234567 |
| 08101234567 | 8101234567 |
| 09031234567 | 9031234567 |
This applies where the MTN number is registered and linked to your active MoMo PSB wallet.
MoMo PSB customer care support specifically explained to me that customers can fund their accounts from another Nigerian bank by using their MTN phone number without the initial zero as their MoMo account number.
How to Know Your MoMo Account Number
The easiest method is to check the MTN number you used when opening your MoMo account.
Step 1: Identify Your Registered MTN Number
First, make sure you know the MTN number connected to your MoMo PSB account.
For example:
08031234567
Step 2: Remove the First Zero
Remove the first zero at the beginning:
8031234567
Step 3: That Is the Number Used as Your MoMo Account Number
You can use this number when funding your MoMo account from another bank or financial application, subject to confirmation that the number is linked to your active MoMo wallet.
How to Transfer Money From Another Bank to Your MoMo Account
Once you know your MoMo account number, you can fund your wallet from another Nigerian bank.
For example, if your MoMo number is:
08031234567
You would normally use:
8031234567
as the account number.
Steps to Fund Your MoMo Account
- Open your bank’s mobile app.
- Select Transfer.
- Choose the option to transfer to another bank.
- Search for and select Momo payment service bank.
- Enter your MoMo account number.
- Confirm that the displayed account name is correct.
- Enter the amount you want to transfer.
- Complete the transaction.
Important: Always Confirm the Account Name
Before entering your PIN to complete a transfer, carefully check the account name returned by the banking platform.
Do not rely only on the account number.
This is particularly important because typing one wrong digit could cause the system to return another account or produce an error.
Related Content
Does My MoMo Account Number Start With 0?
No, when funding your MoMo account from another bank, you should remove the first zero from the registered MTN phone number.
For example:
❌ 08031234567
✅ 8031234567
The MoMo PSB specifically describes the account number for this purpose as the MTN phone number without the first zero.
Is My MoMo Account Number the Same as My Phone Number?
Yes and no.
Your MoMo account is linked to your registered MTN phone number, but when you are entering your MoMo account number to receive a bank transfer, the number is expressed without the initial zero.
For example:
Your MTN number: 08031234567
Your MoMo account number: 8031234567
Therefore, it is important to understand the difference between how you normally write your phone number and how the number is used as your MoMo account number for bank transfers.
How Many Digits Is a MoMo Account Number?
A Nigerian mobile number normally contains 11 digits when written with the leading zero.
For example:
08031234567
When you remove the first zero, you have 10 digits:
8031234567
That is why a MoMo account number used in this format will generally have 10 digits.
How to Open a MoMo PSB Account
If you do not yet have a MoMo account, MoMo PSB says you can open one through its mobile application or by using its USSD service on an MTN line.
I opened my momo account with the USSD code which is the easiest method. customers can dial *671# on their MTN line to begin opening an account.
The MoMo PSB App is also available to download, go to play store or app store.
However, you should always ensure that you complete registration properly and follow any identity verification requirements presented by the service.
Can I Use Any MTN Number as My MoMo Account Number?
No.
The number must be associated with your MoMo PSB account.
For example, if you have two MTN SIM cards:
- 08031234567
- 08101234567
You should not assume that both numbers automatically have MoMo accounts.
Only use the number connected to the MoMo wallet you are trying to fund.
If you are unsure, try confirming your details through the official MoMo application or customer support.
What Should I Do If My MoMo Account Number Does Not Work?
There are several possible reasons.
1. You Entered the Number With the First Zero
For bank funding, remember to remove the first zero.
For example:
Wrong format:
08031234567
Correct format:
8031234567
2. You Selected the Wrong Financial Institution
When transferring from another bank, ensure that you select:
Momo payment service bank
Do not randomly select another institution with a similar name.
3. Your MoMo Account May Not Be Fully Active
If you recently registered, there could be an activation, verification or account-related issue.
Check your MoMo application for notifications or instructions.
4. You May Be Using the Wrong MTN Number
Make sure the number you are entering is the exact number linked to your MoMo account.
Other Ways to Fund Your MoMo Account
According to MoMo PSB, customers can fund their accounts through several channels.
These include:
Bank Transfer
You can transfer money from another Nigerian bank or financial application to your MoMo account using the appropriate MoMo account details.
Transfer From Another MoMo User
Another MoMo user can transfer money to your MoMo wallet.
You can transfer money from one MTN MoMo user to another in Nigeria by dialing *671*phone number*amount# or by dialing *671# and selecting the transfer option
MoMo Agents
Customers may also use authorised MoMo agents for account funding.
How to Contact MoMo PSB if You Cannot Find Your Account Number
If you are still having difficulty, contact MoMo PSB through its official customer support channels.
You can contact them through:
- Call: 671
- Email: customersupport@momopsb.com
- WhatsApp: 07031594671.
For example:
“I have a MoMo account, but I want to confirm the correct account number I should use to receive a bank transfer.”
For your security, customer support may ask you to verify information related to your account.
Important Security Tips for MoMo Users
Knowing your account number is useful, but protecting your account is even more important.
Never Share Your MoMo PIN
Your MoMo PIN is confidential.
Do not share it with:
- Friends
- Family members
- Agents
- People claiming to be customer support
- Anyone on social media
Never Share an OTP
If you receive a one-time password or verification code, do not send it to another person.
Fraudsters may pretend to be employees of a financial institution and ask for your code.
Confirm Account Names Before Sending Money
Before completing a bank transfer, check:
- Account number
- Account name
- Receiving financial institution
- Amount
A few seconds spent checking these details could help prevent a wrong transfer.
Use Official MoMo Channels
For assistance, use the customer support channels published by MoMo PSB rather than trusting random phone numbers or social media accounts.
MoMo PSB publishes its official support information on its website.
What is my MoMo account number?
Your MoMo account number for receiving bank transfers is your registered MTN phone number without the first zero, provided that the number is linked to your active MoMo PSB wallet.
How do I know my MoMo account number?
Check the MTN phone number linked to your MoMo account and remove the first zero.
Example:
08031234567 → 8031234567
How many digits is a MoMo account number?
When your 11-digit Nigerian phone number is written without the initial zero, it becomes a 10-digit number.
Can I receive money from OPay into MoMo?
Yes, MoMo PSB states that customers can fund their MoMo accounts by transferring money from another Nigerian bank application, provided the correct MoMo PSB account details are used.
What bank name should I select when transferring to MoMo?
Select MoMo Payment Service Bank where it appears in the list of financial institutions.
Do I need to add 0 before my MoMo account number?
No. For the account number format described by MoMo PSB for funding from another bank, remove the first zero from the MTN phone number.
Can someone send money directly to my MoMo account?
Yes. You can receive funds through the available MoMo and bank transfer channels, using the correct account details.
What should I do if my account number is not working?
Confirm that:
- You are using the correct MTN number linked to MoMo.
- You removed the first zero.
- You selected MoMo PSB as the receiving institution.
- The returned account name is correct.
If the problem continues, contact MoMo PSB through its official support channels.
Conclusion
The answer to “How do I know my MoMo account number?” is straightforward.
If your MTN number is linked to your MoMo PSB wallet, your MoMo account number for receiving money from another Nigerian bank is generally your MTN phone number without the first zero.
Example:
Phone number: 08031234567
MoMo account number: 8031234567
Before transferring money, always select MoMo Payment Service Bank and confirm the account name displayed by your bank or payment app.