How To Recharge MTN

how to recharge mtn

MTN has established itself as a household name and a preferred choice for millions of Nigerians when it comes to mobile services. With a rich history spanning several years, MTN has consistently delivered reliable network coverage, affordable call rates, and a range of value-added services to its subscribers across the nation.

Staying connected is paramount in today’s world which is why knowing how to recharge your MTN account is not just a convenience but a necessity for every Nigerian mobile phone user. Recharging your MTN account ensures that you have a sufficient balance to make calls, send messages, and use data. It ensures that you remain reachable by friends, family, colleagues, and clients.

This article will explore the various methods available for recharging your MTN accounts, ensuring that you can navigate the process smoothly and stay connected to what matters most in your life.

Methods on How To Recharge MTN

Understanding the various methods of recharging your MTN account is key to uninterrupted communication and access to services. MTN offers multiple convenient options for recharging, catering to different preferences and situations. The methods of recharging your MTN SIM include:

Using MTN Mobile Money

MTN Mobile Money is a convenient and secure way to recharge your MTN account, and it also offers a range of other financial services. Here’s how to set up an MTN Mobile Money account and recharge using it:

  • To set up a Mobile Money account, you need to visit an authorized MTN Mobile Money agent in your area. These agents are often found at MTN service centers, kiosks, and other designated locations.
  • You will be required to provide a valid form of identification, such as your national ID card, passport, or driver’s license, to register for Mobile Money. The agent will guide you through the registration process, including capturing your biometric data and other necessary information.
  • You will need to create a secret PIN code during the registration process. This PIN is essential for authorizing transactions, including recharges. Ensure it’s something easy for you to remember but difficult for others to guess.
  • Once your registration is complete, the agent will provide you with your Mobile Money account details, including your Mobile Money number.
  • Now you can recharge using your Mobile Money account. On your mobile phone, dial the Mobile Money shortcode, which is typically *170#.
  • From the menu options that appear on your screen, choose the “Transfer Money” or “Send Money” option.
  • When prompted, enter your own MTN phone number as the recipient.
  • Input the amount you wish to recharge. Double-check to ensure it’s the correct amount.
  • Review the details of your transaction, including the recipient’s number and the recharge amount. If everything is correct, confirm the transaction by entering your Mobile Money PIN.
  • You will receive a confirmation message indicating that your MTN account has been successfully recharged.

Using Scratch Cards/PIN Vouchers

Scratch cards or PIN vouchers are a widely used and accessible way to recharge your MTN account in Nigeria. They are available at various retail outlets, making them a convenient option for many users.

Scratch cards and PIN vouchers for MTN can be found at numerous locations across Nigeria, MTN’s official service centers and retail outlets are primary sources for purchasing scratch cards. These are often available in major cities and towns. Recharging your MTN account using a scratch card or PIN voucher is straightforward once you follow these steps:

  • Buy an MTN scratch card or PIN voucher of your desired denomination. Scratch off the protective layer to reveal the PIN number.
  • On your mobile phone, dial the appropriate USSD code to initiate the recharge process. In Nigeria, the typical code format is *311*PIN#, where “PIN” represents the PIN number you uncovered on the scratch card. Enter this code and press the call button.
  • After entering the code, you’ll receive a confirmation message on your screen. This message will acknowledge that your MTN account has been successfully recharged.
  • To confirm that your account has been credited with the recharge amount, you can check your balance by dialing *310# and following the on-screen prompts.
  • It’s a good practice to keep the scratch card or PIN voucher, even after you’ve used it until you’re sure the recharge is successful. This can be useful for reference in case you encounter any issues.

Bank Recharge

Bank recharge is a convenient method for MTN subscribers in Nigeria to top up their mobile credit directly from their bank accounts. This method allows you to purchase airtime and data bundles seamlessly through your chosen bank.

This service is a mobile USSD code that enables you to purchase airtime and data bundles directly from your bank accounts to your mobile phone. It offers convenience and accessibility, allowing you to recharge anytime and anywhere, without the need for physical scratch cards or vouchers. Follow these steps to Recharge Through your bank.

  • On your mobile phone, dial *904# to initiate the process. This USSD code will take you through the menu for MTN ON Demand.
  • You will see a list of banks that you have accounts with. Choose the bank account you would like to debit for the recharge.
  • After selecting your bank, you will be presented with a menu of services offered by the bank through the *904# code. Look for the option related to “Airtime Recharge” or “Buy Airtime” and select it.
  • Enter the amount you wish to recharge. Ensure that you input the correct amount, as this will determine the credit added to your MTN account.
  • Review the transaction details, including the bank account to be debited and the recharge amount. Confirm that the information is accurate.
  • To authorize the transaction, you will need to enter your bank’s USSD banking PIN. This PIN is typically a four to six-digit code known only to you and required for secure transactions.
  • Once the transaction is successfully authorized, you will receive a confirmation message on your screen, as well as an SMS confirmation to your MTN number. This confirms that your MTN account has been recharged with the specified amount.


While staying connected is a daily necessity, understanding the various methods of recharging your MTN account is important. We’ve explored multiple avenues to recharge, ensuring that you can conveniently and smoothly top up your mobile credit. You can chose between the simplicity of scratch cards, the accessibility of online platforms, or the convenience of bank services, MTN offers options to suit your preferences.