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To maximize the benefits of your MoMo wallet, it needs to maintain a certain amount of funds. If your account is running low, you can top up your MoMo account using ATM cards, Visa/master/JCB cards, at MoMo deposit/withdrawal points, or from the MoMo wallets of friends and family. The detailed steps are as follows.
Guide on How to Quickly and Easily Top Up Your MoMo Wallet
1. Top up MoMo from ATM, Visa/master/JCB cards
Nowadays, you can add funds to your MoMo wallet from domestic ATM cards, as well as Visa/master/JCB cards from banks within the Napas system like Vietcombank, TPBank, Techcombank, etc. The detailed steps for topping up money into MoMo are as follows:
Step 1: Log in to your MoMo account with your phone number and personal password.
Step 2: On the main screen of the app, select 'top up'.
Step 3: In the deposit interface, select your MoMo wallet and enter the desired amount. Then, choose the card account for deposit (if linked to your bank account previously) and click 'deposit'. If not linked to a bank account, you can click 'add bank' to link it and deposit directly from your personal bank account.
Step 4: Double-check the transaction information and press 'confirm'. Next, enter your MoMo password to verify the transaction.
Step 5: With the information requested, MoMo will send an OTP verification code to your registered MoMo account phone number. To complete the deposit process, enter this code into the OTP field and press 'confirm
After successfully depositing money into your MoMo wallet, you can use it to pay electricity bills with MoMo or use it to top up your phone, avail other services, and make payments while shopping.
- Explore more: How to top up your phone on MoMo
Note:
- Loading money into MoMo from this bank account allows you to deposit a minimum of 10,000 VND and a maximum of 50,000,000 VND at once.
- The loading fee for Napas ATM cards is free; for international cards (Visa/Mastercard/JCB), it is 2,200 VND + 2% of the transaction amount for each deposit.
With this loading fee, Mytour recommends linking MoMo to a domestic ATM account.
2. Load funds on MoMo at various top-up points
Currently, MoMo has partnered with Circle K, Vinmart, thegioididong, dienmayxanh,... to establish over 4000 free cash-in/cash-out points nationwide for MoMo users. This is a popular method for loading money into MoMo without the need for a bank card.
To quickly find MoMo top-up points near you, please follow the steps below.
Step 1: Access the MoMo app on your phone. In the search box on the main screen of the app, search for the keyword 'top-up point' and select 'load money at transaction points' from the search results.
Step 2: Allow MoMo to access your location to find and suggest the nearest MoMo top-up points.
Here, you can choose one of two methods to load funds: 'Direct Top-up' and 'QR Code Top-up.'
+ Direct MoMo Top-up: Select 'Direct Top-up', then view the list of MoMo top-up points near you. Move to the store location, hand cash to the staff at the transaction point, and request assistance with MoMo top-up.
+ Top-up MoMo with QR Code: Select 'QR Code Top-up', enter the desired amount, and choose 'continue.' Immediately, you will see the QR code corresponding to your top-up request. When at the top-up point, simply provide the QR code and cash to the staff to complete the top-up process.
3. Load funds into MoMo from another MoMo wallet
The methods mentioned above for loading funds into MoMo can sometimes be inconvenient for users who don't want to link their MoMo account to a bank account or have to travel to MoMo transaction points. In such cases, to quickly meet payment needs, make purchases, and access services on your MoMo account, you can explore how to transfer money into the MoMo Wallet for others.
For detailed information, please refer to the guide in section 1 of the article on transferring money on MoMo.
4. Frequently Asked Questions about MoMo Top-up
4.1. How to top up the MoMo wallet using mobile top-up cards
Currently, MoMo does not offer the option to top up the wallet using mobile top-up cards. This means customers cannot load funds into the wallet using phone top-up cards and must follow one of the three methods provided by Mytour as mentioned above.
4.2. Top-up MoMo wallet via SMS?
Similar to the mobile top-up card method, MoMo currently does not support users in topping up their wallets via SMS.
Here are the simple and popular methods for loading funds into MoMo today. Readers can refer to and actively choose a top-up method for shopping, bill payment, buying airline tickets, movie tickets, etc., to meet their personal living needs.
In the scenario where you're using a MoMo account but have lost your SIM card and phone number, and you want to transfer your account to a new phone number, the article on how to change MoMo phone number on your phone will guide you through the process.
