How to quickly create an MTN virtual card by MoMo (2025)

The recently (re)launched MTN Virtual Card by MoMo is a game-changing solution for secure and seamless online transactions. Whether you’re shopping online, paying for subscriptions, or booking travel, creating this card is quick and straightforward.

In this article, we share a detailed guide to help you get started on creating and using the virtual card.

The very first step is to open your mobile phone’s dialer and enter *165*70#. This is the gateway to accessing MTN MoMo’s virtual card services. You will be asked to enter your mobile money PIN to continue, since the card depends on your wallet balance to effect the transactions.

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From the menu that appears, choose the option labeled “Virtual Card by MoMo”, and choose to create the card. You will be asked to agree to the terms and conditions, with a fee of UGX 1,000 applying in this process of creation. For this, you will receive a prompt to input your PIN to confirm the fee deduction; as well as an SMS containing the virtual card details – most likely the last 4 digits of your card number.

To get the full details of your virtual card, redial *165*70# and follow the prompts.

Key Features of the MTN Virtual Card by MoMo

• The virtual card is directly linked to your MTN MoMo Wallet, making it accessible even for unbanked users.
• Each transaction is safeguarded with advanced security protocols, reducing risks associated with physical cards.
• Load only the amount you need for each transaction, ensuring better control over your spending.
• You can use the card on any e-commerce platform or service that supports Mastercard payments.

The card can be used for paying school fees or enrolling in online courses; shopping on global e-commerce platforms like Amazon and eBay; subscribing to streaming services like Netflix and Spotify; as well as booking flights, hotels, and other travel services.

Read About: MTN MoMo partners with DTB, Mastercard, Network on a new Virtual Card