Transferring MTN credit is a quick and handy way to share airtime with friends and family, especially when they’re running low and need to make that urgent call or send a text. Whether you’re helping out a buddy or just moving some airtime between your own numbers, the process is straightforward. Let’s break it down in a super simple way so anyone can follow along. Ready? Let’s go!

What Are Your Options for Transferring MTN Credit?

MTN offers three main methods for transferring credit:

1. myMTN App – If you’re a smartphone user, this app makes life easy.
2. MTN Me2U Service – A shortcode-based method for quick transfers.
3. Mobile Money (MoMo) – Perfect if you already use MTN’s MoMo wallet.

We’ll walk through all three methods step by step so you can choose the one that works best for you.

Method 1: Using the myMTN App

The myMTN app is a free app available on both the Google Play Store and the Apple App Store. If you haven’t downloaded it yet, don’t worry—it only takes a few minutes.

Steps to Transfer Credit via the myMTN App:

1. Download and Open the App: If you haven’t already, search for “myMTN” in your app store and install it. Open the app and log in with your MTN number.
2. Go to the “Shop” Section: Tap on “Shop” in the app menu.
3. Select “Airtime” and Choose “New Recipient”: Enter the recipient’s phone number and tap “Next.”
4. Enter the Amount: Specify how much airtime you want to transfer and press “Next.”
5. Choose a Payment Method: Select your preferred payment method (e.g., MoMo or airtime balance).
6. Confirm and Pay: If you’re using MoMo, you’ll get a prompt to enter your PIN. Once the transaction is complete, you’ll receive a confirmation message.

And that’s it! Easy, right?

Method 2: MTN Me2U Service

The MTN Me2U service is a great option for transferring credit directly using a USSD code. All you need is the Me2U code (*198#) and your four-digit PIN. If you’ve never used Me2U before, don’t worry—we’ll guide you through setting it up.

Steps to Use the MTN Me2U Service:

1. Dial *198#: Open your phone’s dialer and call the shortcode.
2. Activate the Service (First-Time Users): If it’s your first time using Me2U, select “Activate” and create a four-digit PIN. This PIN keeps your transfers secure, so make it something easy to remember but hard for others to guess.
3. Start the Transfer: Dial *198# again and select “Transfer.”
4. Enter the Recipient’s Number: Carefully type in the phone number of the person you’re sending credit to.
5. Input the Amount: Enter the amount of airtime you want to send.
6. Add the Decimal Value: If the amount includes pesewas, type them in. For example, enter “50” for 50 pesewas or “0” if it’s a whole number like 5 GHC.
7. Enter Your PIN: Input the PIN you created earlier.
8. Confirm the Transfer: Press 1 to confirm. You’ll get a confirmation message once it’s done.

Important Note:

There’s a small fee of 10 pesewas for each Me2U transfer, so keep that in mind!

Method 3: Using MTN MoMo

If you already use MTN Mobile Money (MoMo), you can easily transfer airtime directly from your wallet. This is especially handy if you don’t have enough airtime in your balance but have money in your MoMo account.

Steps to Transfer Credit via MoMo:

1. Dial *170#: This is the main code for accessing MTN Mobile Money services.
2. Select “Airtime & Bundles” and Choose “Airtime”: Follow the menu prompts.
3. Choose “Others” to Send Airtime to Another Number: This lets you transfer credit to someone else.
4. Enter the Amount: Type in the airtime amount you want to send.
5. Enter the Recipient’s Number: Double-check the number to make sure it’s correct.
6. Confirm the Details: You’ll be asked to review the transaction. Press 1 to confirm.
7. Enter Your MoMo PIN: Input your PIN to complete the transfer.
8. Transaction Complete: You’ll receive a confirmation message. And that’s it!

Can You Transfer Credit to Other Networks?

Yes! MTN allows you to send airtime to users on other networks like AirtelTigo and Telecel. The process is similar to transferring airtime to another MTN user, but you need to specify the recipient’s network.

Steps for Transferring Credit to Other Networks:

1. Use the myMTN App or MoMo Code: Follow the same steps outlined above.
2. Select “Other Networks”: When asked to choose a network, pick the one the recipient is using.
3. Enter the Recipient’s Number and Amount: Double-check the details to avoid mistakes.
4. Complete the Payment: Depending on your payment method, enter your PIN to finalize the transaction.

Quick Tips to Avoid Mistakes

• Double-Check Numbers: Always confirm the recipient’s phone number before sending credit. Once it’s gone, you can’t reverse it.
• Keep Your PIN Secure: Never share your MoMo or Me2U PIN with anyone.
• Confirm Details: Take a moment to review the transfer details before hitting “Confirm.”
• Beware of Scammers: If anyone claims they need your PIN for a “service” or “promotion,” it’s a scam. Hang up or ignore them.

Frequently Asked Questions (FAQs)

1. How do I transfer credit from MTN to MTN?

You can transfer credit from MTN to MTN in three simple ways:

• Using the MyMTN App: Download and open the app, go to “Shop,” select “Airtime,” enter the recipient’s phone number and amount, then confirm payment.
• Using the MTN Me2U Code: Dial *198#, select “Transfer,” enter the recipient’s number, amount, and your Me2U PIN, then confirm the transaction.
• Using MTN Mobile Money (MoMo): Dial *170#, select “Airtime & Bundles” > “Airtime,” choose “Others,” enter the amount and recipient’s number, then confirm with your MoMo PIN.

2. How do I transfer MTN airtime to another MTN number?

You can transfer MTN airtime to another number via:

• MTN Me2U Service: Dial *198#, create or use your existing Me2U PIN, and follow the prompts to transfer the airtime.
• Mobile Money: Dial *170#, navigate to “Airtime & Bundles” > “Airtime,” then follow the steps to send airtime to another MTN number.
• MyMTN App: Open the app, go to “Shop,” select “Airtime,” enter the recipient’s details and amount, and confirm the transaction.

3. How can I transfer airtime from MTN to MTN without PIN?

Unfortunately, a PIN is required to transfer airtime via the MTN Me2U service (*198#). However, if you use the MyMTN App or Mobile Money, you won’t need a separate Me2U PIN; you only need to authenticate with your MoMo PIN or app credentials. This makes it easier if you don’t have a Me2U PIN set up.

4. How to transfer MTN data to another MTN number in Ghana?

To transfer data to another MTN number in Ghana:

1. Dial *138# on your phone.
2. Select the option for “Data Bundles” or “Data Gifting.”
3. Choose “Buy for Others” or “Gift Data.”
4. Enter the recipient’s MTN number.
5. Select the data bundle you want to transfer and confirm the purchase.

Alternatively, you can use the MyMTN App to gift data by navigating to the “Data” section and following the prompts.

And there you have it—three simple ways to transfer MTN credit in Ghana! Whether you’re using the MyMTN app, Me2U service, or Mobile Money, MTN makes it easy to share airtime with those who need it. Just follow the steps above, and you’ll be a pro in no time. For more handy tips, check out our article where we’ve listed all the essential MTN short codes you need to know!