MoMo Agent: MTN App Problematic, Difficult To Use — Users

Yello Digital Financial Services is a subsidiary of MTN Nigeria Africa’s largest provider of communications services, and the operator of MoMo Agent service. YDFS is a financial service provider in agency banking and super-agent operation under the CBN Super-Agent framework and agent banking guidelines to provide amongst other services, agent network to serve financial institutions and Mobile Money operators in Nigeria.

MTN MoMo Agent Services

There are 6 basic service featured under the MTN MoMo Agent service. They are as follows:

    1. Cardless Cash Withdrawal
    2. Bulk Disbursement
    3. Airtime & Data
    4. Deposits and Withdrawals
    5. Bill Payment
    6. C2C Services

1. Cardless Cash Withdrawal

Make cardless withdrawals with a MoMo Agent close to you

Forgotten your Card?

Need to Withdraw money from your account?

Need to make a cardless cash withdrawal?

Simply dial *223# to locate a MoMo Agent and make a cardless cash withdrawal

With MoMo Agent Cash withdrawal services you can safely and easily withdraw money from your account without a debit card

This Service is available to all banks in Nigeria.

2. Bulk Disbursement

Looking for a means to deliver cash to beneficiaries across the country? You can now do so through “Bulk Disbursement”

Bulk disbursement service (B2C) enables an organization to make payments or disbursements to mobile phones of individuals.

With “Bulk Disbursement”, You can now disburse cash to millions of beneficiaries (including employees) via thousands of our Momo Agents across the country.

Who Can Benefit From This Service?

Any person with an MTN sim card in a phone. The beneficiary does not need to have a bank account to receive funds.

3. Airtime & Data

Buy airtime with Ease via our MoMo Agents You can easily purchase airtime or data at any MoMo Agent Outlet. Simply hand over your phone number and cash for desired value and your good to go.

4. Deposits and Withdrawals

Make Deposits withdrawals with a MoMo Agent close to you

Need to Withdraw money from your account?

Need to make a deposit into your account?

Simply dial *223# to locate a MoMo Agent and make a deposit or withdrawal

With MoMo Agent Cash Deposit and Withdrawal services you can safely and easily deposit and withdraw money from your account

This Service is available to all banks in Nigeria.

5. Bill Payment

Pay your Bills conveniently at any MoMo Agent close to you

Need to pay bills for Power or Cable TV?

You can pay at any MoMo Agent Outlet

Simply dial *223# to locate a MoMo Agent and pay your bills

With MoMo Agent Bill Payment services you can safely and easily pay your bills

This Service is available to all Networks.

6. C2C

Send and Receive Money with a MoMo Agent close to you

Need to Send Money to a loved one in Nigeria?

Need to receive Money from a loved one in Nigeria?

Simply dial *223# to locate a MoMo Agent and send or receive Money

With C2C services you can safely and easily send or receive money to and from a loved one anywhere in Nigeria

MoMo Agent Services Feedbacks And Reviews From Users, Customers And General Public

Wisdom Udo
11 May 2022

Can’t MTN provide a functioning app that give no stress? This app is problematic. It’s not easy to use. Either it’s unable to connect or giving error message; can’t even recognize MTN number. Please give us something better.
5 people found this review helpful
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engr auwal
8 February 2022
If I could I would give this app zero star. Imagine after funding my momo wallet, I was debited twice, I am yet to receive a penny. I was referred to a WhatsApp number, but the person is not even online let alone responding to me. MTN’s customer service support is very poor. Do something else I will deter anyone I know that wants to use this app from doing so.why would one be losing his hard earned money for no good?

EDWARD KENNETH ACQUAH
9 March 2022
It’s a smart app, direct point to whatever you want to do, for faster transactions, all agent should get tablet for this app, far clearer view and better then yam phone transactions, Pls MTN add all banks, FIDELITY BANK does a lot of momo transactions but its not on the app Pls add them ASAP & I’ll give you all five stars.
13 people found this review helpful
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Apostle Israel Gbonjubola easy multipurpose company
11 March 2022
Momo agent app is yet to arrive there are a lot of things or function to add and adjust,such as (1)transfer price,#50 is much to transfer #200(2)rechard card printing,(3)sme data,(4)uploading of Nigeria band on transfer section,and then(5) sport betting wallet funding,when these have added to your next update,I will come back for 10star rating.thanks
3 people found this review helpful
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Jide Taofik
24 April 2022
I’m unable to reinstall the app on my new device saying “you are not authorized to use the app”. Though it was great on my old device. Developer please review the upgrades and re-upload or advise on this issue. Thanks
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Hussaini Mohammed
10 April 2022
This app they are scammer u guys should run with them, because i made some transactions from my wema bank to fund this my momo wallet since on 01-04-2022 the transactions it was successfully but up to now they still yet to credit my wallet, they hold on the little amount i have while they are making millions of money a day. There for at long last i was no given access to my wallet again, incorrect pin while am try to login. They have not deserve even one star guys.
2 people found this review helpful
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DADDY AWESOME
15 October 2021
Dear MTN,Please update this application. It is becoming increasingly difficult to use on a daily basis due to the inability to log on & conduct transactions. This is a huge disservice to MTN customers & is bad for business. Again, the App should be seamless, so that we can store customer phone numbers & DStv numbers without having to type them in or go to our phone books 4our regular customers. Furthermore, we should be able to share screenshots of successful transactions with clients as proof
64 people found this review helpful
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Jemimah Chaimang
2 May 2021
It was working fine then suddenly stopped. Kept telling me invalid number. I deleted and redownloaded still same story. This app has great potential I hope the developers resolve the issue. If they do I’ll give it a five star review
6 people found this review helpful
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Nsikak Ebe
15 April 2021
The user interface is quite simply and flexible, but the connection is very poor. Modification has to be done Asap, before I start loosing my prominent clients. Thanks
3 people found this review helpful
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SADIQ HAMZA
16 February 2022
This App is amazing. In fact, it can be regarded as a SUPER APP. Imagine you can do all POS transactions, buy Airtime/ Data and earn commission, dstv, PHCN recharge etc even more to come, all in one APP
58 people found this review helpful
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Ephr’m Cares
24 December 2021
We should be able to see the numbers we transfer call credit and data bundles to. It really disturbs us when there’s an issue of wrong transaction
30 people found this review helpful
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Emmanuel Zume
7 January 2022
This is a floppy excuse for a fintech mobile app. I could give it less than a star, sadly Google Play’s minimum is 1 star. Com’on, I couldn’t even do such a basic thing as link my bank account. Take it off Play Store, work on it, then you can relaunch it.
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adagba oluwafemi
12 February 2022
Is it by force to engage in a venture that one doesn’t have the capacity to maintain? That’s the case on this app. MTN should go back to their drawing board because I neglected the online thing, there wasn’t a solution when physical measures were adopted
1 person found this review helpful
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Okeke Uchenna
10 February 2022
I can’t rate this app, I just installed it on my phone and and I can’t even link my bank account to my momo acct, just a waste It is obvious the developer has abandoned the app for many years now if not he would have fix the bug
7 people found this review helpful
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Winner Orji
29 April 2022
This app is crab, very useless app, zero customer care service, they debit you twice without refunds, I won’t advise anyone to use this app, you’ll get more loses than gain, the app sometimes, uses it’s hand to send N2040 card to a customer even when you type N100, and when you call mtn customer care they’ll tell you to call 182, when you call 182, they’ll tell you to call 180, it’s really embarrassing and sad. If I could rate this app zero I will…
1 person found this review helpful
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Yushau Lawan Yusha
4 April 2022
The App is awesome but here goes my suggestion. You should enable a feature that will enable the user to convert MTN Airtime credit to momo wallet
2 people found this review helpful
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sandra clement
2 November 2021
Giving u 1 star is a big credit this is the worst app ever not just the app the USSD code included release my money for crying out loud I didn’t do a fixed deposit, I wonder how people that are using this to do business cope, U will try to send money it won’t work, sometimes it’ll hang in the air, now it’s that my acct number is invalid, like I don’t know my account number again or what, this is mtn a network provider why should ur apps have issues and ur agents are claiming it’s network. arrrhh
4 people found this review helpful
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Darrell Mark
28 March 2021
This app is poor yes poor although it’s simple to use but but it’s needs more features like safe receipt and should be able to fund all network not just Mtn alone and am even having issue of funding electricity bill payments and I was debited and I can’t receive token now I don’t know how to get my money back. This app is not helpful please get rid of it.
14 people found this review helpful
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MTN Line
25 May 2022
Dear Sirs, I was very disappointed that this APP now no longer works on WiFi Currently I’m abroad but its needs to use MTN Mobile Internet !!! How to solve this problem? Pls advise
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Idowu Michael
19 March 2021
After waiting for so long, the app is still useless. I keep getting the prompt alert “Unable to connect to server” even with good internet connectivity
5 people found this review helpful
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Ibrahim danladi Ladan
3 April 2021
This is The worst and annoying APP I have ever seen in my life. I used my 2 MTN lines but it’s saying I should Use my 10 digits number so It didn’t allow me to sign up. Nawa woooh. U better work on it seriously, this is not an App but Frustraion it’s not up to a star
5 people found this review helpful
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Boniface Aja
2 May 2021
I’m unable to access my MOMO account since 30/04/2021. The app keeps returning error messages that “this number is invalid, kindly enter a valid 11-digit mtn number”. Please, since this app came into existence, it’s the only means I access my momo account. I have problem with my ussd code. Please the developer should do something.
13 people found this review helpful
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Gracious Phiri
7 February 2020
I was very excited to have found this application but after installing it, it only had french language option not really a variety of languages to select from..😔maybe my nokia 2.1 doesnt support this app..or maybe it doesn’t work in Zambia..😒

It quite unfortunately that this app can’t discharge it purpose; just this morning trying to send airtime a customer but all of a sudden it will be showing error in connectivity and before you realize it has double paid the customer; very difficult to work with. You guys show do something about it. While would I be wasting my time for nothing! Detective errors: Difficult to sell airtime subscription and data. It doesn’t show message that one have successfully complete process. Etc..
52 people found this review helpful
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Daniel Osharejirue
20 March 2021
The app is nice. I like it’s simplicity. But there is need for improvement. It often display an error message “unable to connect to the server”. And also since screenshot cannot be made on the app, a provision should be made to be able to download and share transaction receipt not just to view alone. And also airtime sell to all network should be made possible ASAP. But I like the app.
122 people found this review helpful
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Joy Chris
14 May 2022
You need to improve this app ,, it’s so annoying to use ,I tried sending airtime of 500 and I got an error message I tried it up till the 4th time I keep getting error messages just for me to see that I have been debited for the 4 supposed error transactions ,also checking transactions is another problem, when i credit my float wallet it takes longer time for it to reflect on the app ,, this app needs an overall upgrade.
44 people found this review helpful
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Joel Okoh
27 March 2022
To the team of developers, please kindly include biometric login to the app so the login process can be seamless. My pin has been blocked on two separate occasions now and I haven’t found it easy resetting the pin. Would appreciate it a great deal. Thank you!
61 people found this review helpful
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Adebisi Janet
24 March 2022
I would have rated you guys more if not for the issue I had with you since December, I tried funding my wallet the value was debited from my account but my wallet wasn’t credited I went to the bank and the feedback I got was that it was successful from there end… The POS as well would have been better if tye deposit option is included, I couldn’t make deposits with it other than agent transfer. It will be better if you could work on that and upgrade it
5 people found this review helpful
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Ernest Frimpong
26 November 2021
The app was great making transaction easier with my customers until three days ago when I was no longer able to login getting the feedback (the 8 digit number you have entered is incorrect) I have uninstalled and reinstalled several times with the same feedback. Too bad especially in this era of expensive data costs.
134 people found this review helpful
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Evelyn Chioma Joseph
3 June 2021
It’s a nice app, but lots of things needs to be improved on. 1. Ability to paste numbers 2. Ability to accommodate more number digits when you are selecting from phone contact, so it don’t keep cutting the number.
55 people found this review helpful
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Nnamdi Umesiobi
23 March 2021
Poor internet connectivity. It gives a security warning Unable to establish a secure connection. And Unable to connect to server, when my Data is on. So it needs improvement. Although it’s cool cuz I can use it to monitor my MoMo account sales from my agents and also perform other services. So for that I give a 2 🌟
23 people found this review helpful
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Ade A Admira
10 November 2021
This app is nothing to write home about as it’s not nothing working at all. I can’t use it on my infinix hot 9.it was manageable or a very strong network relay, but after the so call updating I can’t perform just a single transaction on it. I think the MoMo ICT hasn’t being doing good job of late for their inefficency is cursing MoMo to lose alot of money. I only gave 1 🌟 in other for me to make a comment
121 people found this review helpful
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Oluwalana Michael
30 April 2021
What is the problem with this app? It’s very annoying. I could not perform transaction on it, it just keep telling me that invalid number that i should enter a valid number while the same number am using for the momo is the one registered on it. Sometimes it will display connectivity issue. My money is on it for over a week now. Pls fix the bugs.
50 people found this review helpful
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Queen ezeigbo
13 December 2021
I have been logged out for weeks now. The app says am not authorized to use the service. Am suprised to hear that cos i use the ussd and it works just fine. Please do something about this. Or i will stick to clubkonnect as they are my alternative now since this issue
41 people found this review helpful
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Manirakiza Didier
8 July 2020
This is is good but still provide no help since it doesn’t give a statement (historic), and by this what the use then!? Whenever I’m trying to view the weakly statement it’s like turning it off, I wish it has this feature for it is an important one to any Agent I guess.
139 people found this review helpful
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Diamond Akinola
28 April 2022
I thought this app was better than this but I’m quite disappointed that sometimes I had to recharge my customers using my bank app, at my loss The app keep hanging and sometimes it keeps loading forever. You really need to improve on the app
1 person found this review helpful
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Michael Olalekan
24 May 2022
Why is MTN acting like all is well with the App.. this app sucks big time. Error occurrence, commission not liquidated, transaction history not available, etc….
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Samuel Ogbaje
5 June 2021
This the improvement impressive, but there’s always room to do more on this app,#1-the receipt of transactions should be attached the the statement so when a transaction fails or a customer claims that a transaction wasn’t successful these receipts can be downloaded even days after the transaction. #2- when viewing the transactions done within a certain period of time on the rebalancer we can improve on the information displayed such as full customer name, time of transaction & date etc
52 people found this review helpful
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Sam Onyeji
1 May 2021
Can’t MTN provide a functioning app that give no stress? This app is problematic. It’s not easy to use. Either it’s unable to connect or giving error message; can’t even recognize MTN number. Please give us something better.
5 people found this review helpful
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engr auwal
8 February 2022
If I could I would give this app zero star. Imagine after funding my momo wallet, I was debited twice, I am yet to receive a penny. I was referred to a WhatsApp number, but the person is not even online let alone responding to me. MTN’s customer service support is very poor. Do something else I will deter anyone I know that wants to use this app from doing so.why would one be losing his hard earned money for no good?

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About the Author: Femi Adeoya

Mr Femi Adeoya is a Chartered Forensic Accountant and a Certified Fraud Examiner. He has over 20 years professional work experience in accounting, finance and business management processes. As an Accounting Software Expert, he has implemented and supervised accounting solution set up of over 50 small and medium businesses in Nigeria. As a passionate blogger, Mr Adeoya is an ardent writer and communicationist. He is the CEO of QUICK LOAN ARENA (quickloanarena.com), the number 1 loan apps review website in Nigeria. He is very passionate about the quick and instant loan industry in Nigeria and has written over 200 reviews on different loan apps and digital banks in Nigeria, USA, Canada and UK.

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