A Virtual Card by MoMo is a digital representation of a physical payment card that resides within your MoMo Wallet. It allows you to make online and in-app purchases without the need for a physical card. The card includes a 16-digit card number, expiry date (mm/yy) of the card and the security code also referred to as CVV.

You can create your own card by dialing *165*70#

Below is what a customer gets on the MoMo USSD while creating the card:

• Dial (*165*70#)
• Select Virtual Card by MoMo
• Select ‘Create Card’ (Option 1)
• Select Confirm (Option 1) to create your card
• To see your cards details-Select ‘View card Details (Option 4)

Once card creation is completed, your card details can be accessed by dialing *165*70# and selecting “View Card details”.

PS: Cards details can not be sent via sms due to the sensitivity of the information. 

No. This is a virtual card that will be accessed by dialing USSD via shortcut *165*70#

Yes, a Virtual Card by MoMo exists digitally and is not a physical card. It carries the same card details (card number, expiration date, CVV) but is intended for online or mobile transactions.

A MoMo customer will only be eligible for one card per wallet. The service will only be accessible through your registered mobile number.

Virtual card by MoMo comes with an additional security two-factor authentication when you carry out online payments.

• A One-time-password is generated during the payment process and sent to your registered telephone number.
• Your MoMo Wallet is secured with a MoMo PIN adding an extra layer of protection.

This is a type of SMS that appears directly on your main screen and is not automatically stored in the message inbox. The MoMo USSD service utilizes Flash SMS also known as a pop-up message to further secure the Virtual card details shared with you.

Yes, there are usage limits, including daily transaction limits. See table below.

You have the option to temporarily disable or block your Virtual Card by MoMo in case of loss or security concerns. Dial the USSD shortcut *165*70# and follow the prompts.

You can fund your Virtual MoMo Card by transferring money from your MoMo Wallet directly by dialing *165*70# and follow the prompts to “Top up virtual Card”.

No, the virtual MoMo card is designed primarily for purchases. You can only move funds back to your own MoMo Wallet by dialing *165*70# and follow the prompts to “Transfer to MoMo”

MoMo Wallets have security measures in place, such as card deactivation by dialing *165*70# and follow the prompts to “Block MoMo card”, to protect your funds in both your card and wallet. Please reach out to our customer services: service centers or call center for effective support.

Yes, transactions made with your Virtual Card by MoMo are usually reflected within the MoMo Wallet by dialing *165*70# and follow the prompts to “View card transactions. You will also receive notifications for each transaction.

For now, we are limiting it to one card per MoMo wallet

Card Issuance

• Customer be charged UGX 1000(One thousand Uganda shillings) as card issuance fees.
• Transaction will be subjected to a forex markup of 5% applies on the prevailing forex rate of the billing currency at the time of purchase.

Yes, you can delete your Virtual Card by MoMo and it will be deactivated. Dial *165*70# select card management, select block card. However, once you chose this option you cannot reactivate the card.

A repeat payment permits a merchant to debit your Virtual card by MoMo for re occurring payments e.g. subscription services such as NETFLIX, Amazon Prime, Spotify, etc.

• For any queries on your Virtual Card by MoMo you may reach out on our customer service WhatsApp line 0772123100  or call  +256771001000 or Visit the nearest service center.

Every customer who has an MTN SIM card and an active MoMo wallet can create their own card by dialing *165*70# and following the prompts.

Should you fail to reach an amicable agreement with the participating retailer/merchant, you may contact Customer Care or visit our nearest service center and log a dispute. The expected timelines of the resolution of a dispute depend on the dispute as will be determined by Bin Sponsorship Bank and Mastercard.