How to Register and Use Mobile Money in Uganda

Mobile money has transformed financial services in Uganda. Whether you’re in Kampala, Gulu, Mbarara, or a rural village, sending or receiving money is now just a few taps away.

This guide will walk you through how to register for mobile money, which providers to choose from, where to get started, and what regions it’s available in.

What Is Mobile Money?

Mobile money is a digital wallet service offered by telecom companies that lets users send, receive, withdraw, and store money using their mobile phones — no need for a bank account.

Step-by-Step: How to Register for Mobile Money in Uganda

Step 1: Choose Your Mobile Money Provider

The two major providers in Uganda are:

• MTN Mobile Money (MoMo)

• Airtel Money

Step 2: Get a Registered SIM Card

Visit any official MTN or Airtel shop with:

• Your National ID (NIN)

• A valid phone number

• Passport photo (some agents may require it)

Note: You must be 18+ to register for a full mobile money account

Step 3: Visit a Mobile Money Agent or Service Center

Go to any authorized mobile money agent (you’ll find them at kiosks, shops, petrol stations, malls). Ask to register for Mobile Money. The agent will:

• Verify your ID

• Register your details (biometrics may be required)

• Activate your Mobile Money account

You’ll receive a confirmation SMS once it’s done

Step 4: Set Your Mobile Money PIN

Use your phone to:

• Dial *165# (MTN) or *185# (Airtel)

• Follow the prompts to set a secret 5-digit PIN

👉 This PIN is required for all your transactions, so never share it.

Step 5: Start Using Mobile Money

With your account activated, you can:

• Send money to other users

• Buy airtime or data

• Pay utility bills (Yaka, NWSC, DStv)

• Shop via MoMo Pay or Airtel Pay

• Withdraw or deposit at agents

Where Can You Use Mobile Money in Uganda?

Mobile money is available nationwide, including:

• Urban areas: Kampala, Entebbe, Jinja, Mbale, Mbarara, Gulu

• Rural areas: Thousands of agents operate across villages and towns

Thanks to USSD codes, you don’t need a smartphone or internet to use mobile money.

Popular Mobile Money Services in Uganda

💡 Tips for Mobile Money Users

• Keep your PIN safe at all times

• Only use registered agents

• Confirm recipient numbers before sending

• Use official apps or USSD for security

• Check transaction fees (they vary by amount)

Where to Register (Popular Locations)

• MTN Service Centers: Mega Standard Kampala, Forest Mall, Mukono, Arua

• Airtel Shops: Garden City, Nateete, Mbale, Masaka

• Agent Locations: Available at shops, petrol stations, taxi parks

Final Thoughts

Setting up mobile money in Uganda is simple, fast, and secure. Whether you’re in business, sending support to family, or paying bills, mobile money is the easiest way to stay connected financially.

🔗 Coming Soon: Mobile Money Fees Comparison tool for MTN vs Airtel