How to Transfer Airtime from MTN to MTN in Ghana (SMS & USSD Guide)

Do you want to send airtime from your MTN number to another MTN number in Ghana? MTN Ghana provides a simple and secure way to transfer airtime using either SMS or a USSD code.

In this guide, TechWithManuel explains step-by-step how to transfer MTN airtime, how to use the USSD menu, and how to change your MTN airtime transfer PIN.

How to Transfer MTN Airtime via SMS

You can easily transfer airtime from your MTN line to another MTN number using SMS by following the steps below:

Steps:

1. Open your Messages app.
2. Type the message in this format:
   Amount RecipientNumber PIN (E.g. ‘5 024XXXXXXX 1234’ and send to 1329).
3. Send the message to 1329.

Once successful, you will receive a confirmation message from MTN.

MTN Airtime Transfer PIN: What You Need to Know

Before transferring airtime, it’s important to know your MTN transfer PIN.

Default MTN Transfer PIN

• The default PIN is 1234 for all new MTN numbers.

For security reasons, MTN strongly recommends changing your default PIN.

How to Transfer MTN Airtime via USSD Code

MTN also allows airtime transfer using a quick USSD menu.

Steps:

1. Dial *198#
2. Select Option 2 – Transfer
3. Enter the receiver’s MTN number (e.g. 024XXXXXXX)
4. Enter the amount you want to send (e.g. 5)
5. Enter the decimal amount (For example, to send GH¢5.60, type 60)
6. Enter your PIN
7. Select Option 1 to confirm the transaction

You will receive an SMS confirmation once the transfer is completed.

How to Change Your MTN Airtime Transfer PIN

You can change your MTN transfer PIN using SMS or USSD.

Method 1: Change MTN Transfer PIN via USSD

Steps:

1. Dial *198*DefaultPIN*NewPIN*NewPIN# (E.g.*198*1234*1990*1990#)
2. Press Send

Your new PIN will be activated immediately.

Method 2: Change MTN Transfer PIN via SMS

Steps:

1. Open your Messages app.
2. Type your Default PIN, followed by your New PIN, then repeat the New PIN. (E.g. 1234 1990 1990)
3. Send the message to 432.

You’ll receive a confirmation SMS once your PIN has been changed successfully.

Important Tips When Transferring MTN Airtime

• Ensure the receiver’s number is an MTN line
• Always keep your PIN confidential
• Double-check the amount and number before confirming
• You must have sufficient airtime balance

Final Thoughts

Transferring airtime on MTN Ghana is fast and convenient, whether you use SMS or USSD. With the steps outlined above, you can securely send airtime to friends and family anytime.

FAQs

Can I transfer airtime from MTN to another MTN number in Ghana?
Yes. MTN Ghana allows airtime transfers between MTN numbers using SMS or USSD (*198#).

What is the MTN airtime transfer USSD code?
The official MTN airtime transfer USSD code is *198#

Can I transfer airtime without a PIN?
No. A valid MTN transfer PIN is required to complete any airtime transfer.

What is the default MTN airtime transfer PIN?
The default MTN airtime transfer PIN is 1234 for all new MTN SIM cards.

Is there a charge for transferring MTN airtime?
MTN may apply a small service fee, depending on current network policies.

Why is my MTN airtime transfer failing?

Possible reasons include:

• Incorrect PIN
• Insufficient airtime balance
• Wrong recipient number

• Network issues