How Much is MoMo Agent Commission?

Understanding MTN MoMo Agent Commissions and Earnings in Nigeria

As an MTN MoMo agent in Nigeria, the commissions you earn on customer transactions are a major component of your potential revenue.

However, commission rates vary based on factors like transaction type, size, and frequency.

This comprehensive guide examines MTN’s MoMo agent commission structure, earnings potential, and tips to maximize commissions, and answers common questions.

how much is Momo agent commission?


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Overview of MTN MoMo Agent Role

MTN Mobile Money (MoMo) enables users to transfer funds, pay bills, save, borrow and more directly from their mobile device without needing a bank account. As an authorized MTN agent, you provide vital cash-in and cash-out services for MoMo consumers from your registered retail store.

In return, you earn a percentage commission on the fees charged for customer transactions you facilitate through your agent wallet. By maintaining an adequate float balance, you enable financial inclusion for the unbanked through MoMo while diversifying your income.

MTN MoMo Agent Commission Rates

MTN MoMo agents in Nigeria earn commissions on two primary types of transactions:

Cash-In Transactions

When customers deposit cash into their MTN MoMo wallets through your agent account, you earn a commission on the fees charged, based on these transaction bands:

Transaction ValueAgent Commission
1 – 1,000 Naira5 Naira
1,001 – 5,000 Naira25 Naira
5,001 – 15,000 Naira50 Naira
15,001 – 50,000 Naira75 Naira
50,001 – 100,000 Naira100 Naira
100,001 – 200,000 Naira125 Naira
200,001 – 300,000 Naira150 Naira
300,001 – 400,000 Naira160 Naira
400,001 – 500,000 Naira170 Naira
Above 500,000 Naira0.03% of transaction value

Cash-Out Transactions

When customers withdraw cash from their MoMo wallets using your agent account, you earn commissions such as:

Transaction ValueAgent Commission
1 – 1,000 Naira10 Naira
1,001 – 5,000 Naira30 Naira
5,001 – 50,000 Naira50 Naira
50,001 – 100,000 Naira75 Naira
100,001 – 200,000 Naira125 Naira
200,001 – 300,000 Naira150 Naira
Above 300,000 Naira0.05% of transaction value

As you can see, commissions increase incrementally based on the band of transaction values to reward higher transacting agents.

Estimating Potential Agent Earnings

Your potential monthly earnings as an MTN MoMo agent depends on:

  • Number of daily transactions
  • Mix of cash-in vs cash-out transactions
  • Average transaction value

For example, an agent processing:

  • 50 cash-in transactions daily x 30 days = 1,500 monthly
  • Average cash-in value of 50,000 Naira
  • 30 cash-out transactions daily x 30 days = 900 monthly
  • Average cash-out value of 80,000 Naira

Can potentially earn around:

  • 1,500 x 75 Naira (cash-in commission) = 112,500 Naira
  • 900 x 125 Naira (cash-out commission) = 112,500 Naira

Total estimated monthly earnings = 225,000 Naira

This excludes additional revenue like bank transfer commissions, merchant payments, and promotions.

Tips to Maximize Your Commissions

Follow these tips to earn higher commissions as an MTN MoMo agent:

  • Promote cash-in/cash-out services prominently in your shop through banners and stickers.
  • Attract customers by offering promotions, loyalty programs, discounts on fees during slow periods.
  • Provide excellent customer service and assistance with MoMo transactions.
  • Routinely engage customers to increase activation and regular usage of MoMo wallets.
  • Capture customer data and market MoMo services via SMS, email, Whatsapp.
  • Train staff on performing seamless MoMo transactions.
  • Maintain optimal float level to meet customer cash-out demands.
  • Expand hours during evenings, weekends and holidays to increase transactions.
  • Stay updated on new MTN products/services to promote to customers.

The more customers you serve and the higher your transaction values, the greater your commissions.

Common Agent Commission Questions

How soon are commissions credited?

Commissions earned on customer transactions are credited to your agent wallet balance instantly.

Where can I view my commission earnings?

Log into your MoMo agent app or portal to view commission statements and histories. You can also call customer support.

Do I also earn interest on my wallet balance?

No, agents do not currently earn interest on float balances. Commissions on transactions are the only revenue.

Are there limits on how much I can earn?

There are no caps on total commission earnings. However, high-value transactions over 500,000 Naira only earn 0.03% or 0.05% as per the commission tiers.

Can I request an increased commission rate?

Commission tiers are standard and cannot be changed. Higher rates are only offered for special short-term promotions.

Are there tools to track my commission payments?

Yes, agents can download detailed commission statements from their portal to analyze trends. You can also use the reporting features in the MoMo app.


In summary, MTN MoMo agents in Nigeria can earn attractive commissions on customer transactions which scale up incrementally based on transaction values. Cash-in and cash-out transactions are the primary earning streams. By driving customer activation and consistent usage along with maintaining adequate float, agents can maximize their commission potential and play a key role in financial inclusion.


How much can top agents earn monthly?

Earnings potential varies greatly. However, agents transacting over 500,000 Naira daily can potentially earn 250,000+ Naira monthly.

Do cash-in and cash-out have the same commissions?

No, cash-out commissions tend to be slightly higher, but both transaction types are important revenue streams.

Can agents earn commission on bill payments?

Unfortunately agents do not currently earn commissions on bill payments, data purchases or other non cash-in/out transactions.

Are commissions the same across Nigeria?

Yes, the standard published commission tiers are consistent nationwide. But special promotions may vary by region.

What is the process for commission payouts?

Commissions are credited instantly to your primary agent wallet associated with your registered mobile number.

How often can I withdraw commission earnings?

You can transfer commission funds from your wallet to your bank anytime. No restrictions on withdrawal frequency.


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