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How to become a mobile money agent in South Sudan

Last checked: 20 October 2026 · Guides

In South Sudan, mobile money providers appoint and supervise their own agents 1,4. Access Radio reported in September 2026 that new central bank rules let agents work for more than one provider and require a public online register of agent locations 1. MTN's MoMo page has a section on becoming an agent but lists no requirements 3. This guide could not find a published list of agent documents from the Bank of South Sudan or any provider 6,8.
Who appoints agents
The mobile money provider 1,4
Regulator
Bank of South Sudan 6
Exclusive contracts
Not allowed under the 2025 amendment, as reported 1
Agent classes
Sub-agents and super-agents, as reported 1
Notice to move or close an outlet
At least 30 days, as reported 1
MTN contact
Toll free 100, [email protected] 3

What a mobile money agent does

MTN's terms define agents as persons registered by MTN to provide MTN services 4. Its MoMo page says customers deposit and cash out at registered agents or MTN service centres 3. The page says agents earn commission when customers buy airtime, data or prepaid electricity at their store 3.

MTN's terms describe agents as independent outlets authorised by MTN and say no agency relationship exists between MTN and its agents 4. The terms say MTN is not liable for an agent's default or negligence 4.

Rules for agents reported in 2026

Amnon Jakony of Access Radio reported on 1 September 2026 that the Bank of South Sudan amended the Electronic Money Regulation of 2017 1. The bank's regulations page lists the 2017 regulation. It did not show the amendment or a separate agent regulation when checked on 20 October 2026 8. The points below are as reported 1.

  • Agent networks must be non-exclusive, so an agent can work with several providers 1.
  • Agents are classed as sub-agents or super-agents based on registration and operating capacity 1.
  • Providers are responsible for selecting, supervising and monitoring their agents 1.
  • The central bank will keep a public online register of agent locations, with monthly updates from providers 1.
  • Providers must give at least 30 days' notice before moving or closing an agent outlet 1.
  • Over-the-counter e-money transactions are capped at SSP 6,500,000 per transfer 1.

How to apply

Apply to the provider you want to work with. The Bank of South Sudan licensing page covers bank licence forms only. It listed no agent application form when checked on 20 October 2026 6. The e-money licence fee of SSP 65,000,000 reported by Access Radio applies to licence applicants, not to agents 1.

MTN's MoMo page has a section headed "become an Agent" but does not list requirements or documents 3. To ask MTN, call toll free 100, use WhatsApp on +211920002200 or email [email protected] 3.

This guide could not confirm the documents, float or premises a provider asks of new agents. Ask the provider for its written requirements and agent agreement before you sign 3,4.

Duties once you are an agent

Access Radio reported on 18 July 2025 that a central bank notice requires businesses to accept mobile money and to display a notice with their registered agent number 5. The report said refusal could bring fines or prosecution 5.

Under MTN's terms, the agent records the identity a customer presents for each transaction 4. Under the 2025 amendment as reported, providers must report suspicious transactions within 24 hours and keep transaction records for at least five years 1.

Access Radio reported in July 2025 the fees customers pay to withdraw at agents. MoMo charged SSP 100 to SSP 15,000. M-Gurush and Digi Cash charged 1.7%, with a minimum of SSP 400 and a maximum of SSP 60,000 7.

Findings by official bodies

UNCDF reported in April 2023 that no agent regulations were in place, so the central bank did not record the number of agents 2. It said informal Safaricom agents were operating in South Sudan without supervision 2. It recommended that the central bank develop regulations for agents and agent banking 2.

Common questions

Do I need a licence from the central bank to be a mobile money agent?

This guide found no agent licence form on the central bank's licensing page 6. As reported, providers select and supervise their agents 1.

Can I be an agent for MTN and another provider at the same time?

The 2025 amendment, as reported by Access Radio, says agent networks must be non-exclusive 1.

What documents do I need to become an MTN MoMo agent?

MTN's MoMo page does not list them. Contact MTN on toll free 100 or [email protected] 3.

How do agents earn money?

MTN says agents earn commission on airtime, data and prepaid electricity sold at their store 3.

Is there a public list of mobile money agents?

Access Radio reported in September 2026 that the central bank will keep a public online register of agent locations 1.

Rules and fees change. Check the official site linked above before you apply or pay. Spotted an error? Email [email protected] with the official link.

Sources

  1. Access Radio, Amnon Jakony: BoSS sets strict USD caps on mobile money (1 September 2026)
  2. UNCDF: South Sudan Payment Infrastructure Assessment Report (April 2023)
  3. MTN South Sudan: MoMo from MTN, provider page (checked 20 October 2026)
  4. MTN South Sudan: MTN Customer Terms and Conditions, provider page (checked 20 October 2026)
  5. Access Radio, Amnon Jakony: Refusal of mobile money payments becomes punishable offence (18 July 2025)
  6. Bank of South Sudan: Licensing (checked 20 October 2026)
  7. Access Radio, Amnon Jakony: Mobile money providers issue new charges for salary payments and withdrawals (10 July 2025)
  8. Bank of South Sudan: Regulations (checked 20 October 2026)

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