Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

MTN CI MoMo Kash review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

MTN CI MoMo Kash pairs a savings pot with a small loan credited straight to the MTN Mobile Money wallet, which suits existing MoMo users in Côte d'Ivoire who need short term cash. Lending runs XOF 2,000 to XOF 100,000, starting from a XOF 50 first deposit.

Key facts

Best for
MoMo users in Côte d'Ivoire saving a little, then borrowing briefly against it.
Loan amount
F CFA 2,000 to F CFA 100,000↗
Term
1 month↗
Arrangement fee
Commission charged on the loan amount and deducted at disbursement, plus 500 FCFA refinancing fee↗
Credit check
Soft prequal↗
Funding time
Instant, credited to the MTN Mobile Money wallet↗
Rate type
Variable↗
Lender type
Direct lender↗
Free early repayment
Yes↗
Eligibility
18 or older, MTN SIM, active MoMo account held for at least 6 months, identified (CNI, passport or consular card), first savings deposit of at least 3,600 FCFA↗
Loan types
Personal, Payday↗
Credit needed
Poor↗
Legal entity
Bridge Microfinance Côte d'Ivoire↗
Headquarters
Côte d'Ivoire↗
Founded
2018↗
Support channels
Chat, Phone, Email, Help-centre↗
Pricing model
No monthly fee
Features
Same-day funding
Official website
mtn.ci

Savings

Headline rate
up to 7%↗
Minimum deposit
F CFA 50↗
Access terms
Save and withdraw at any time, no minimum duration; interest credited quarterly, applied per half-month, no remuneration above 10,000,000 XOF↗
Monthly fee
F CFA 0↗
Account kind
Easy access↗

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
WikidataXLinkedInfr-fr.facebook.comyoutube.com

Pros and cons

Pros

  • A monthly fee of XOF 0 means holding the savings side costs nothing
  • Funding runs straight to the MTN Mobile Money wallet, so the money lands where you already spend
  • Credit checks are soft prequalification and a poor credit history still qualifies
  • Early repayment is free, and savings interest is credited quarterly with no minimum duration

Cons

  • The arrangement fee is a commission on the loan amount deducted at disbursement, plus a refinancing fee, so the full cost is not visible before you apply
  • The term is 1, so the money has to be repaid quickly with no room for a long repayment plan
  • Eligibility needs an identified applicant and a first savings deposit set aside before borrowing
MTN CI MoMo Kash

Ready to try MTN CI MoMo Kash?

Scored 9.0 / 10 by SumCue.

See alternatives

Who it suits

  • Existing MTN Mobile Money users in Côte d'Ivoire with an active account
  • Adults who can save and withdraw freely and want a first deposit set aside
  • Borrowers with a thin credit file who want a soft prequalification check

Who should look elsewhere

  • Borrowers after a larger sum, since Sofkredit runs to €12,000 to €300,000 while the range here is XOF 2,000 to XOF 100,000
  • Readers in Europe shopping in euros, since Creduma ES starts at from €12,000 and this product works inside the Côte d'Ivoire mobile money system
  • Borrowers comparing payouts across markets, since Cashspace deals in amounts of PHP 500 to PHP 25,000 while this one is tied to a mobile money wallet

Who runs it

MTN CI MoMo Kash is provided by Bridge Microfinance Côte d'Ivoire, the legal entity behind the product, with its home market listed as CI and a founding year of 2018. Borrower support runs on chat, phone and email, so help is available by chat, phone, email or a help centre.

How MTN CI MoMo Kash compares

Where MTN CI MoMo Kash is available

Available
Côte d'Ivoire

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

What does it cost to hold the account?+

A monthly fee of XOF 0 means holding the account costs nothing, and the only starting amount is a minimum deposit of XOF 50. Interest is credited quarterly, and no extra interest is paid once the balance passes a set ceiling.

What does a loan cost in total?+

An arrangement fee is charged as a commission on the loan amount and deducted at disbursement, plus a refinancing fee, so part of the cost is taken before the money arrives. The headline rate is up to 7% and the rate type is variable, so the figure can move.

How much can I borrow, and for how long?+

Loans run XOF 2,000 to XOF 100,000, which suits small gaps rather than large purchases. The term is 1, the shortest of the 226 brands ranked on term, so repayment comes round quickly and the borrowing is meant to be short term.

Do I need a good credit history?+

The credit check is soft prequalification and a poor credit history still qualifies, so a thin credit file is workable here. Applicants also need an MTN SIM, an active MoMo account held for a while, and identification, and lending tops out at XOF 2,000 to XOF 100,000.

How quickly is the money paid out?+

Funding runs Instant, credited to the MTN Mobile Money wallet, so there is no separate bank transfer to arrange and a short term gap can be covered without waiting. Same day funding is the norm for this kind of small loan.

Can I repay early or withdraw my savings?+

Early repayment is free, so clearing a balance early carries no exit charge. With a 1 term, there is little left to pay if money comes in sooner than planned, and savings can be withdrawn at any time with no minimum duration.

Who runs the product and where are they based?+

The lender is Bridge Microfinance Côte d'Ivoire, with its home market given as CI and a founding year of 2018. It lends as a direct lender rather than as a broker, so the decision on an application and the money itself sit with the same firm.

How do I get help if something goes wrong?+

Support runs on chat, phone and email, which covers chat, phone, email and a help centre. That mix matters on a product where a repayment date can fall close to a month end and a wallet based payment may be the only route out.

Sources

  • mtn.ci/momo-kash checked September 26, 2026

    Backs: Account kind, Credit check, Credit needed, Eligibility, Features, Founded, Funding time, Headline rate, Lender type, Loan types

  • mtn.ci/momo checked September 26, 2026

    Backs: Support channels

    “WhatsApp chatbot 05 66 133 133; Call centre 555; Email assistances.ci@mtn.com”

  • mtn.ci/momo/conditions-generales-momo-kash-particulier checked September 26, 2026

    Backs: Access terms, Loan amount, Free early repayment, Headquarters, Legal entity, Minimum deposit, Pricing model, Monthly fee, Arrangement fee, Rate type, Term

Compiled from 3 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: APR, Representative example.

MTN CI MoMo Kash

MTN CI MoMo Kash

MoMo users in Côte d'Ivoire saving a little, then borrowing briefly against it.

9.0/10See alternatives