Welcome to MTN MoPesa, your 2-in-1 product designed exclusively for MTN Mobile Money customers. With MTN MoPesa, you can effortlessly manage your finances, save towards your goals, and access affordable loans—all at your fingertips.

MTN MoPesa is a revolutionary financial product that combines two essential services: a Savings Account and Instant Loans. With our Savings Account, you can create and start saving towards your financial goals in seconds, with as little as UGX 500. Whether you prefer a Regular Savings Account or a Fixed Deposit Account, we have got you covered. Additionally, our Instant Loans provide quick and affordable credit, credited directly to your Mobile Money wallet, without the hassle of paperwork, queuing, or ‘sign here’.

Savings Account: Dial *165*45#.

• Move money back and forth between your Mobile Money wallet and your Savings account easily and at no charge.
• Earn interest and watch your savings grow with our attractive interest rates on both Regular and Fixed Deposit Savings Accounts.
• Automated Savings feature allows you to build your savings the easy way and while you sleep. Set up a direct deposit from your wallet to your Savings Account daily, weekly, or monthly, starting from as little as UGX 500.
• Keep track of your savings balance on your phone the easy way.

Instant MoPesa Loans: Dial *165*45#.

• Instant loan approvals and the money is credited to your Mobile Money account.
• The loan can be used for any Mobile Money service, e.g., send money, buy airtime or bundles, pay bills, pay school fees, MoMoPay, and more.
• Flexible Repayments: Repay your loans partially or in full whenever desired. MoPesa is built to work for you and fit within your schedule for added convenience.
• Multiple Loan Requests can be made before your credit limit is depleted.
• Once you have repaid your loan in full, instantly request another loan, which will be credited to your wallet within seconds.

• No queuing or paperwork is needed to open a savings account or get a loan.
• Convenience: MTN MoPesa saves you time and effort with its quick, hassle-free access to both savings and loans through USSD.
• Secure Savings: Your savings account is accessible only by you through your mobile device, ensuring maximum security.
• Earn Interest: Watch your savings grow as you earn interest on your balance.
• Flexibility: Set up automated savings and repay your loans conveniently, making financial management a breeze.

Getting started with MTN MoPesa is quick and straightforward. Follow these simple steps to access both Savings Accounts and Loans:

1. For Savings Account: Dial *165*45# and select “Savings.” Choose “MoPesa” to start saving.

Savings
Interest Earned	3% per annum
Interest Applied	Daily
Interest Payment	Monthly

2.For Loans: Dial *165*45# and select “Loans.” Choose “MoPesa” to request an instant loan.

Loans	Fees
3 days	2.5%
7 days	5%
14 days	7%
30 days	9%

Empower your dream with MTN MoPesa.

Experience the freedom of savings and the ease of instant loans, all at your fingertips.

1. What is MTN MoPesa?

MTN MoPesa is a 2-in-1 product for MTN Mobile Money customers comprising of savings accounts and hassle-free loans.

2. How can I access MTN MoPesa?

You can access MTN MoPesa by dialing *165*45# on your mobile phone and selecting either “Savings” or “Loans” from the menu.

3. Can anyone use MTN MoPesa?

Yes, MTN MoPesa is available to all MTN Mobile Money customers who have an active Mobile Money wallet. If you don’t have a Mobile Money wallet yet, you can easily register for one at any MTN service center or dial *165# with your MTN phone number to get set up.

4. Is MTN MoPesa safe and secure?

Absolutely! MTN MoPesa ensures the utmost security of your savings accounts and loan transactions. Your savings account is accessible only through your mobile device, and all loan applications and approvals are processed securely without paperwork.

5. How much does opening a savings account with MTN MoPesa cost?

You can open a savings account with MTN MoPesa for as little as UGX 500. There are no additional charges for setting up direct deposits, and you can check your savings balance at any time without incurring extra fees.

6. Can I withdraw money from my savings account at any time?

Yes, with MTN MoPesa, you can withdraw money from your savings account whenever needed. There are no extra costs on withdrawals, and the funds will be instantly credited to your Mobile Money wallet.

7. How much can I apply for with MTN MoPesa Loans?

The loan amount you can apply for depends on your credit limit, which is determined based on your Mobile Money usage history. MTN MoPesa allows you to request multiple loan credits as long as you stay within your allocated credit limit. Dial *165*45# to check your credit limit.

8. What if I want to repay my loan before the due date?

MTN MoPesa offers flexible loan repayments, and you have the freedom to repay your loan at any time and for any amount. If you wish to clear your outstanding loan balance before the due date, you can do so without any penalties.

9. Can I use the loan received for any purpose?

Yes, once your loan is credited to your Mobile Money wallet, you can use it for any mobile money service, such as airtime top-up, bill payments, or transferring funds to friends and family.

10. How quickly are loan applications processed?

MTN MoPesa prides itself on speedy loan processing. All loan applications are approved within seconds, ensuring you get the financial support you need when you need it.