How To Transfer Airtime from MTN to MTN in 2026

Need to send airtime to a friend, family member, or another MTN line? MTN Nigeria allows subscribers to share airtime through its MTN Share service (formerly known as Share ‘N’ Sell). The service lets you transfer airtime directly from your balance to another MTN user within seconds.

Whether you’re helping someone who has run out of airtime or managing multiple MTN lines, transferring airtime is simple once you have your transfer PIN set up.

In this guide, you’ll learn the latest MTN airtime transfer codes, how to create or change your transfer PIN, and the different methods available in 2026.

MTN Airtime Transfer Code in 2026

The fastest way to transfer airtime from MTN to MTN is by dialing:

*321RecipientNumberAmount*PIN#

For example, if you want to send ₦500 to 08031234567 and your PIN is 1234, dial:

*32108031234567500*1234#

Then press the call button. Once successful, both you and the recipient will receive confirmation messages.

How To Transfer Airtime from MTN to MTN Using USSD

Follow these steps:

Step 1: Open Your Phone Dialer

Launch the phone app on your device.

Step 2: Enter the Transfer Code

Dial:

*321RecipientNumberAmount*PIN#

Step 3: Replace the Details

• RecipientNumber = MTN number receiving the airtime
• Amount = Airtime amount to transfer
• PIN = Your MTN transfer PIN

Step 4: Send

Press the call button.

Step 5: Wait for Confirmation

MTN will send a confirmation message indicating whether the transfer was successful.

How To Create an MTN Airtime Transfer PIN

Before your first airtime transfer, MTN requires you to change the default PIN.

The default PIN is:

0000

To create a new PIN, dial:

*3210000NewPIN*NewPIN#

Example:

*32100001234*1234#

You will receive a message confirming that your PIN has been changed successfully.

How To Change Your MTN Transfer PIN

If you want to update your existing PIN:

*321OldPINNewPIN*NewPIN#

Example:

*32112345678*5678#

Once completed, MTN will notify you that your new PIN has been activated.

How To Transfer Airtime on MTN Through the MTN Share Menu

Instead of using the direct transfer code, you can also access the MTN Share menu.

Steps

1. Dial *321#
2. Select Airtime Share
3. Select Transfer Airtime
4. Enter the recipient’s MTN number
5. Enter the airtime amount
6. Enter your PIN
7. Confirm the transaction

The airtime will be transferred immediately after successful confirmation.

How To Transfer Airtime on MTN Using SMS

MTN also supports airtime transfer through SMS.

SMS Format

Send:

Transfer RecipientNumber Amount PIN

to:

321

Example:

Transfer 08031234567 500 1234

After sending the message, MTN will ask you to confirm the transaction. Reply:

YES

to 321 to complete the transfer.

How To Transfer Airtime Using the MyMTN App

Smartphone users can also transfer airtime through the MyMTN app.

Steps

1. Open the MyMTN app.
2. Log in to your account.
3. Tap Share.
4. Select Airtime Share.
5. Enter the recipient’s MTN number.
6. Enter the amount.
7. Input your transfer PIN.
8. Tap Proceed.

Both users will receive confirmation notifications after the transfer.

MTN Airtime Transfer Limits

MTN applies certain limits to airtime transfers.

Limit Type	Amount
Minimum Transfer	₦50
Maximum Per Transfer	₦10,000
Maximum Daily Transfer	₦100,000

You can perform multiple transfers daily provided you do not exceed the daily limit.

Requirements for MTN Airtime Transfer

Before transferring airtime, ensure that:

• You are using an MTN line.
• The recipient is also using an MTN line.
• You have enough airtime balance.
• You have set up your transfer PIN.
• Your line is active.

Common Reasons MTN Airtime Transfer Fails

Insufficient Airtime Balance

Your airtime balance must cover the amount you wish to transfer.

Incorrect PIN

Entering the wrong PIN will prevent the transfer from going through.

Invalid Recipient Number

Double-check that the MTN number is correct before confirming.

Network Issues

Temporary network congestion may delay or prevent transfers.

Daily Limit Exceeded

Transfers exceeding MTN’s daily limit may be declined.

Benefits of MTN Airtime Transfer

Instant Transfers

Recipients receive airtime almost immediately.

No Internet Needed

USSD and SMS methods work without mobile data.

Convenient

You can send airtime anytime from anywhere.

Secure

PIN protection helps prevent unauthorized transfers.

Frequently Asked Questions

What is the MTN airtime transfer code in 2026?

The direct code is:

*321RecipientNumberAmount*PIN#

What is the default MTN transfer PIN?

The default PIN is:

0000

You should change it before making your first transfer.

Can I transfer airtime from MTN to Airtel?

No. MTN airtime transfers only work between MTN numbers.

What is the minimum airtime I can transfer?

The minimum transfer amount is ₦50.

What is the maximum amount I can transfer?

You can transfer up to ₦10,000 per transaction and ₦100,000 per day.

Conclusion

Transferring airtime from MTN to MTN in 2026 is quick and straightforward. The easiest method is to dial *321RecipientNumberAmount*PIN# and follow the prompts. You can also use the MTN Share menu through *321#, send an SMS to 321, or use the MyMTN app.

As long as you have enough airtime and a valid transfer PIN, your transfer will be completed within seconds, making MTN Share one of the most convenient ways to send airtime to family and friends across Nigeria.