MTN Mobile Money is a cash management service available on mobile phones. It is mainly about facilitating money transfers for the Ghanaian market.

The service can also be used for reloading MTN airtime units and for payment, of utility bills, goods & services. The service is available to both mobile and non-mobile users.

Reference in MTN Mobile Money is an optional field provided by MTN that can be used:

  1. In the identification of a sender (e.g JBKlutse); most businesses whose clients have special customer names or invoices numbers can you this field
  2. For stating the purpose of the transaction e.g. deposit.
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