Personal Services

Mobile Money Rwanda Ltd announces Impano Ziva MoMotima Promo under the “Biva MoMotima” campaign during the month of Love

Mobile Money Rwanda Ltd (MoMo Rwanda Ltd) has today announced a Biva MoMotima Promo. The Biva MoMotima campaign that was launched mid-January, consists of three months of exciting initiatives for MoMo customers and MoMoPay merchants, celebrating the role Mobile Money plays in sharing love.

Since its inception in 2010, Mobile Money has evolved in the financial technology space in Rwanda and has The Biva MoMotima Promo will reward MoMo customers and MoMoPay merchants for using MoMoPay as a digital payment solution. The 7-week long Promo allows both MoMo customers and merchants to participate.

MoMo customers and MoMoPay merchants with the highest and most unique payments made using MoMoPay services will be eligible to win various prizes on a weekly basis. The prizes to be won range from airtime, smartphones, shopping & fuel vouchers, motorbikes, television screens among others, every week, while only one winner will be selected for the grand prize of a brand-new Toyota Rush.

Chantal Kagame, Mobile Money Rwanda Ltd Chief Executive Officer, stated during the launch of the Promo “We are pleased to see the growth of MoMoPay since it was introduced to the market in 2017. With currently around 50,000 merchants registered and over nine million transactions per month, MoMoPay continues to play its part in contributing to the Nation’s cashless agenda and in promoting digital financial education and inclusion. During this month of love, all the way to April, we want to extend the love to our customers and merchants through this Impano Ziva MoMotima Promo, thanking them for their continued support on MoMoPay and what better way to show our gratitude than through prize-giving.”

To enter this Promo, MoMo customers can dial the short code *182*13# to opt-in and participate in the reward Promo. Upon successfully joining the Promo, the customers will receive a confirmation SMS that refers to customer’s consent to terms and conditions of the Promo. MoMoPay Merchants, on the other hand, automatically join the Promo by default if they are active.

The more customers and MoMoPay merchants transact via MoMoPay, the higher their chances of taking home any of the prizes up for grabs. Terms and Conditions can be found on and winners will be notified on a week-on-week basis by this MTN number 0788159000.

About Mobile Money Rwanda Ltd

Mobile Money Rwanda Ltd is MTN Rwanda’s FinTech subsidiary, established on 27th April 2021 to provide and manage Mobile Money services in Rwanda. The company has over 50,000 Mobile Money agents and 50,000 MoMoPay merchants across the country. The penetration of Mobile Money has seen a continuous rise with the enhancement of existing offerings such as MoMoPay, MTN m-Ticketing as a digital user-friendly ticketing solution, Tap&Go payments for bus services, Bill Payments, Bulk Payments, Electricity purchase, Payment of Government services, Bank Push & Pull, MoKash Loans & Savings, and more.

For more information, please contact: 

PR Desk 

Ndabaga Y. Shumbusho

Terms and conditions

1. Introduction 

Mobile Money Rwanda Limited (MMRL) is a wholly owned subsidiary of MTN Rwandacell Plc (MTN) licensed by the  National Bank of Rwanda to provide mobile financial services (payment services) with effect from 27th April 2021.  Mobile Money Rwanda Limited (hereinafter referred to as “the Organiser”) is a private company incorporated and  registered in the Republic of Rwanda. 

MMRL is launching a consumer/merchant Promotion named “Impano ziva MoMotima” (hereinafter referred to as  the “Promo”) to reward Mobile Money (MoMo) customers and merchants for utilizing MoMoPay services as a digital  payment solution. 

These Terms and Conditions apply to all eligible Participants of the Promo. During the period of the Promo, the  Terms and Conditions shall be available to all the Participants on the Website ( it becomes  necessary to revise these Terms and Conditions during the term of the Promo, MMRL shall carry out any such  revisions as per Article 12 of these Terms and Conditions and must ensure that any such revisions are communicated  to customers/merchants in a clear manner and through easily accessible channels of communication. 

The Participants will be able to obtain additional information regarding the Promo and the Terms and Conditions by  calling 100 from a mobile telephone that is subscribed to MTN’s mobile network. The calls to this line shall be Toll  free and the line will be open 24 hours a day. 

The Terms and Conditions (Hereinafter the “Terms”) contained herein shall govern all MoMo eligible Customers and  Merchants participating in the Promo for the term of the Promo and by opting into the Promo, the participants  accept all Terms contained herein in full. 

The following terms will have the specific meanings assigned to them in these “Terms and Conditions.”  

Active Customer/Merchant Promotion Week: Weekly Prize:

Means a customer that has initiated any activity that generates revenues for MMRL on MoMoPay servicesduring the period of the Promo. Means the Promo named “Impano Ziva MoMotima” organized by MMRL to reward all its MoMo customers and Merchants using MoMoPay for a period between 09th February till 31st March 2022. Means Thursday through Friday Means prizes to be awarded weekly to winners for a period of 7 weeks. These will be awarded to a total of 7547 Participants per week for the duration of the Promo.


Means 12am on the 9th of February 2022


Means 11.59pm on the 30th March 2022


Means Rwandan local time (Central African Time), as observed in Kigali, Rwanda. To clarify, all time references in these Terms and Conditions are referring to GMT+2. 

Terms and Conditions: 

Means these Terms and Conditions, including all the annexures and amendments thereof.

Confirmed Prize Winner: 

Means a Participant who as a Winner of a Prize under these Terms and Conditions has been confirmed by the Organiser to be entitled to receive and has accepted to receive the corresponding Prize.

Subscriber/customer: MoMoPay Merchant:

Means an active customer or a person who is actively using MoMoPay Services during the period of the Promo. Means an active merchant or a merchant allowed to received payments for the goods and services rendered using MoMoPay Services.


Means a MoMo subscriber who has joined the Promo by dialing USSD code *182*13# to Opt-in to the promo to participate in the draws for the weekly prizes if they are qualified to participate as per these Terms and Conditions or a MoMoPay merchant who has joined the Promo by receiving payments using MoMoPay Services


Means the Weekly Prizes to be awarded.


Means a Winner in any of the categories of Prizes set out above.


Mobile Station International Subscriber Directory Number

2. Duration of the Promo 

The Promo will run for eleven (7) weeks starting from 9th February 2022 to 31st March 2022 inclusive (hereafter  “Term”). 

3. Territory 

The Promo will be conducted only within the territory known and recognised as The Republic of Rwanda  (hereafter called “Rwanda”). 

4. Participants

4.1 The Participants into the Promo are MoMo customers and merchants using MoMoPay Services. 

4.2 Participation in the Promo is open to all individual customers/merchants of MoMo that are resident in Rwanda  and meet the following criteria (the “Customers”): 

4.2.1 An active customer/merchant is one that has initiated any activity that generates revenues for  MoMoPay Services. 

4.2.2 The participant’s MSISDN has not been suspended at any time during the period of the Promo for  any reason. 

4.2.3 The participating MSISDN’s does not include MMRL or MMRL Parent Company employees or  employees’ spouses or MMRL channel partners (such as franchisees, distributors). 

4.3 The Participant hereby warrants and represents that he/she: 

4.3.1 is at least 16 years eligible to participate in the Promo in the same manner as being eligible to own a  SIM card under Rwandan law. 

4.3.2 is joining voluntarily and freely and is aware that there is no fee/charge for joining the Promo 

4.3.3 has perused and has a clear understanding of the terms and conditions of the Promo, and agrees that  his/her participation in the Promo is conditional on full adherence to the terms and conditions herein. 

4.3.4 agrees that where there is any dispute as to the usage value by the Participant, MMRL’s detailed records of the Participant’s usage shall be accepted as an accurate record for purposes of resolving  the dispute.  

4.4 MMRL reserves the right to verify the eligibility of Participants which will include validation of details of the  Participants against the Participants’ details in MoMo Subscriber SIM Registration database. By opting into the Promo, Participants hereby agree that their personal data provided to MMRL when registering on MoMo  Services and/or at the point of opting into the Promo, may be used by MMRL to monitor participation in the Promo, to provide services to Participants from time to time and to evaluate service improvements.  

4.5 A Participant’s entry in the Promo shall qualify as one (1) entry for the prize draws. 

4.6 To be included in the prize draw as a potential winner, Participants must have carried out revenue generating  activities using the MoMoPay during the period of the Promo. 

4.7 Winner Selection 

4.7.1 Winners will be selected basing on their week-on-week improvement as per the metrics and the prizes  to be won. 

4.7.2 Upon selection, the Participant must present a valid ID and his/her active MTN line with him/her at  the point of prize collection. Prize collection details shall be communicated by MMRL. 

5. Prizes 

5.1 For the purposes of this Promo, MMRL will award the following prizes weekly (hereafter “Prizes”) to the  consumer/merchant categories of prizes and eligibility are shown in the table below: 

Consumers/Customers Prizes
Prize Details Frequency Weekly Winners 
Total Prizes
Motorbikes Weekly 
Mobile Money (Cash) – 10,000Frw Weekly 30 
Internet 1GB Weekly 1200 
MTN Airtime (500 Frw) Weekly 300 
100 MB Weekly 3000 
20 Minutes Weekly 3000 
Merchant Prizes
Prize Details Frequency Weekly Winners 
Total Prizes
Grand Prize: Car (Toyota Rush) EOC 1
Mobile Money (Cash) – 1,000,000 Frw Weekly 
Mobile Money (Cash) – 500,000 Frw Weekly 
TV screens Weekly 
Motorbikes Weekly 
Fuel vouchers Weekly 
Air ticket(East Africa) Weekly 
Smartphones Weekly 

5.2 MMRL will award the Grand Prize of Car Toyota Rush at the end of the Promo to the merchant winner. 

5.3 The Participant accepts that the prizes shall be received ‘as is’ and MMRL does not give any guaranty or warranty  on the specifications, use, utility, or fitness for purpose, of the prizes and shall not be liable for any  manufacturer’s obligations, directly or indirectly.  

5.4 From the moment a prize is handed over to winner, the Winner shall be responsible for all other associated  costs including transport and other costs. 

5.5 Any withholding, income, or other taxes, charges or expenses associated with any Prizes and their collection  shall be the Winner’s responsibility.  

5.6 Each Participant (and/or MSISDN) is eligible to win only one Prize in the two (2) defined Categories throughout  the duration of the Promo in respect of the weekly prizes. 

5.7 Winners of prizes shall be contacted via voice calls from MMRL’s line +250784000000, with details on how to  redeem their prizes Others VIA TEXT MESSAGE EXCEPT FOR REMINDING THEM TO COME AND COLLECT THEIR  PRIZES. 


5.9. During a period of fifteen (15) days following the end of each Winner Selection, at least three attempts will be  made to communicate by telephone from MMRL’s designated line with the selected winner using the MSISDN 

corresponding to the entry, in order to notify the winner of the prize awarded and how it may be claimed.  Some personal data will be required of the winner, including but not limited to: name, government issued  identification document and SIM card, to verify his/her identity.  

5.10. In the event that it is not possible to establish a telephone communication with the Winner and when the  aforementioned attempts for such purpose have been made, the Winner will be replaced with someone else.  MMRL is only under the obligation to make reasonable efforts to establish telephone communication with the  Winner and is not in a position to guarantee successful connection. The rights of the Winner at this point  automatically extinguish if MMRL is unable to reach him/her after fifteen (15) days, MMRL shall not be held  liable for the inability to reach any Winner or failure to present the prize to the Winner where such attempts  at communication were not successful. 

5.11. Winners are expected to present themselves physically, at their own cost, at the location communicated by  MMRL for proper identification and collection of Prizes. All Winners may be required to collect their prizes at  a special event to be organised by MMRL at MMRL’s discretion, details of which shall be communicated to the  Winners at the relevant time. The Winners shall be expected to adhere to all measures put in place to ensure  compliance with all COVID-19 preventative measures. Any Winner whose temperature is higher than the  accepted temperature level, or who refuses to adhere to any preventative measures will not be granted access  to the location and an alternative method of delivering the prize to the Winner shall be determined by MMRL.  

5.12. At MMRL’s sole discretion, Prizes, other than Cash Prize, may be dispatched to the Winners or the nearest  regional office location or the nearest dealer/service centre closest to the Winners for collection by the  Winners. The Winners shall be expected to adhere to all measures put in place to ensure compliance with all  COVID-19 preventative measures. Any Winner who is not wearing a mask, whose temperature is higher than  the accepted temperature level, or who refuses to adhere to any other preventative measure will not be  granted access to the location and an alternative method of delivering the prize to the Winner shall be  determined by MMRL.  

5.13. Any expense not explicitly indicated as part of the prize, including but not limited to insurance, travel  expenses, accommodation, license fees or taxes, are the responsibility of the Winner. 

5.14. Winners of prizes shall sign a Prize Acceptance (form) prior to the collection of the Prize except for the winners  of Cash prize which will be sent via MoMo. By signing the Prize Acceptance Form, Winners authorise the use  of their name, image, videos, audio for such publicity purposes as MMRL may deem necessary, and their  appearance in any publicity initiative to be carried out by MMRL. Such publicity initiatives shall take place during and after the period of the Promo. In the event that a Winner does not wish to have his/her name and  personal information published in this manner, MMRL will respect such wishes and oblige the request  provided that a written notice to that effect is delivered at MMRL’s office at the address stated above and  such request is acknowledged in writing by MMRL prior to the conclusion of plans for such publication. 

5.15. Winners are considered to be the registered holders of the winning MSISDNs. For the purpose of claiming the  Prize, Winners shall have to present themselves physically along with a valid Identification document. The  valid identification document presented must be the same type of identification document that was used by  the Winner at the time of registering his/her SIM card on Mobile Money that he/she used to register his/her  corresponding to the MSISDN registered by the participant in the Promo and respective identification;  otherwise they will have no right to the Prize which they were considered for. In the event that the Winner is  unable to satisfactorily prove the ownership of the MSISDN as required, such Winner will be disqualified from  being awarded the Prize and the Prize will not be given out in that week and will form part of the available  prizes for the following week. This will apply when a Winner is disqualified for any valid reason.  

5.16. The names of the winners and the prizes awarded will be published on the Website and other MMRL Social Media Platforms.

5.17. If a Winner rejects the prize won through the random draw selection, such rejection must be done in writing  and MMRL would then have the right to award the prize to the following Substitute.  

5.18. Prizes not redeemed within fifteen (15) days shall be deemed forfeited without any liability to MMRL.

6. Disqualifications  

Any Participant may be disqualified at any stage of the Rewards, for any of the following reasons: 

6.1. In the event that the Winner does not sign the Acceptance of the Prize form, irrespective of the reason(s) for  such; 

6.2. In the event that the Winner does not provide an acceptable identification document as registered on his/her  SIM card as required by these Terms and Conditions; 

6.3. In the event that the Winner, for whatever reason(s), does not accept in full and without reservation these Terms and Conditions and his/her obligations which arise from the acceptance of such Terms and Conditions,  and in respect of the allocation of the prize; 

6.4. In the event that the Winner refuses to adhere to the COVID-19 preventative measures in place and does not  accept the alternative method of Prize delivery that is proposed by MMRL;  

6.5. In the event of incompatibility arising from the selected Winner not meeting the eligibility criteria (e.g. the fact  that the selected winner is related directly or indirectly with the Organiser or is under and above the eligible  age) in accordance with that set forth in the present Terms and Conditions. 

6.6. The failure to comply with or observe any of these Terms and Conditions of the Promo set out herein. 

6.7. In the event that the Winner is seen or found to have participated in the Promo by way of fraud, deceit or in any  manner which contravenes the spirit and intent of the Promo, the terms and conditions herewith or in a manner  prejudicial and/or unfair to other Participants.  

6.8. Employees of the Organiser, MMRL Dealers, and any company directly collaborating with the Organiser for the  purposes of executing the Promo, their spouses, direct members of their families or households, relatives of  direct kinship or any other person in a position to benefit illegitimately from unpublished or privileged  information connected to the Promo, and all persons in a position to interfere with the operation of the Promo (legitimately or illegitimately) are disqualified from participating in this Promo. 

6.9. In the event that the same MSISDN has previously won a Prize in any of the other categories. 6.10. For any other reason which MMRL may, at its discretion deem fit. 

7. General Conditions 

7.1. The Promo and features of the Promo shall be protected by intellectual property rights belonging to the  Organiser or to their licensors. No licence is granted to Participants in respect of any such rights, except to the  extent required for Participants personal participation in the Promo in accordance with these terms and  conditions. “MMRL” and all legal variations of MMRL or MMRL parent company name , any other MMRL product  name or Promo name are trademarks of MMRL, and Participants shall not be entitled to reproduce such marks  (other than to the extent required for Participants personal use of the Rewards) without MMRL’s prior written  consent.

7.2. Some aspects of the Promo may be supplied to the Organiser by third parties and while the Organiser shall  exercise all due care to ensure that such third parties comply with all applicable rules, the Organiser makes no  promises, and does not accept any liability, either express or implied as to the Promo, including but not limited  to its accuracy, relevance or quality, except as stated in these Terms and Conditions. 

7.3. Any participation in the Promo is entirely at the risk of the Participant and in no event shall the Organiser be  liable for any direct, indirect, incidental or consequential damages including without limitation loss of income,  data or other information as a result of the use of or inability to use the Promo. 

7.4. Any deviation from the rules and/or attempt to manipulate the outcome of the Promo or the entitlement to a  Prize will result in an automatic disqualification of that Participant. The Organiser shall be entitled to affect the  disqualification without reference or recourse to the Participant(s) carrying out the said manipulation. 

7.5. The Organiser reservesthe right to modify, supplement or terminate all or part of this Promo at any time without  notice and without liability of any kind, except with regard to winnings that have legitimately accrued and that  the Organiser have recognised before the date of such modification, supplement or termination. 

7.6. The Organiser reserves the right to replace the advertised prizes with prizes of the same or greater value at their  sole discretion. For the Grand Prize, Winner shall have the option to receive the cash equivalent as determined  by the organiser. 

7.7. Prizes are non-transferable in whole or in part and must be taken as stated. 

7.8. Winners agree to the publication of their names and /or photographs in any media. 

7.9. The Organiser accepts no responsibility for any incorrect or incomplete registration details that Participants may  supply as part of the registration of their SIM Cards or for the Promo. 

7.10. The Organiser gives no warranty or guarantee whatsoever in relation to any Prize and Participants hereby  release and hold the Organiser and their agents harmless from any and all liability, injury, loss or damage of  any kind, so far as it is permitted by law, arising from the participation or Participant’s acceptance of use or  use of any Prize. 

7.11. The Organiser reserves the right to disqualify any entry at its sole discretion. 

8. Organiser Responsibilities  

8.1. The Organiser’s liability only encompasses selection of Winners and giving out of the Prizes to the confirmed  Winners and does not include any warranty on the condition of the prizes. The Organiser bears no liability  whatsoever to any Participant or other person that attempts to takes part in the Promo in violation of any applicable laws, contractual obligations or provisions of these Terms and Conditions. The Organiser will also  take all necessary steps to comply with the mandatory requirements imposed upon the Organiser of the Promo by the applicable provisions of all applicable Rwandan laws. 

8.2. Any claim of a Participant will be resolved by the Organiser, if it is well-founded, assuring the equality of chances  for the Participants and repairing the prejudice, if possible. 

9. Disclosure and Publicity 

The Organiser shall be responsible for publicising the Promo and the publicity may be through a range of publicity  formats and in all media. 

10. Acceptance of the Terms and Conditions

Participation in this Promo shall mean full acceptance, on the part of the Participants, of the present Terms and  Conditions. 

The present Terms and Conditions shall be available free of charge at the website .

11. Protection of Personal Data 

11.1. By participating in the Promo, the Participants expressly agree that personal data which they supply shall be  processed by the Organiser for the purposes of executing the Promo and also for the purpose of publicising  the Promo and the Organiser. It is hereby specified that the Organiser guarantees that publicity, entailing the  sharing with third parties of personal data supplied as a result of participation in the Promo, (including through  television, the press, leaflets and other means and formats of communication) shall be made only with respect  to the winners of the Prizes and will only indicate the given names and surnames of the winners, their images  and voices (contained in photographic records, audio, video and other types of records, made with the  purposes of publicity connected to the Promo). The winning Participants give, through their participation in  the Promo, express consent for the use of this data in formats herein defined. Following the termination of the Promo, the personal data will be destroyed where applicable. 

11.2. In accordance with local laws and regulations, the Organiser respects the privacy of Participants of this Promo,  by which it is committed to the use of technology in a transparent form and in strict observance of the rights,  freedom and guarantees of the Participants and by the reservation of the intimacy of their private and family  life. The personal data collected within the scope of this Promo will be treated as private and confidential. It  shall not be disclosed to other individuals or organisations, except in the event of legislation to the contrary or  where such is authorised by the Participants themselves. The data will be stored on servers with access  controlled on a need-to-know basis and limited by passwords. 

12. Amendments to the Terms and Conditions 

12.1. The Organiser reserves the right to alter, suspend or cancel this Promo and respective Terms and Conditions,  without prior notice and, where required, upon prior authorisation issued by the appropriate authorities. The  new rules shall come into force upon disclosure by publication on the website The  revised Terms and Conditions will be applicable from the date of their publication, therefore any activities  carried by Participants prior to the revision of the Terms and Conditions will be governed by the version of the  Terms and Conditions valid at the time of such activities.  

12.2. No claim in respect of any alteration of the present Terms and Conditions is enforceable against the Organiser  following the moment at which this alteration becomes available for online consultation on the website 

12.3. In the event that the Promo is suspended prior to the period designated for its conclusion, namely prior to the  31st March 2022, the Organiser shall award the Prizes to the winners selected up to the date of the suspension  of the Promo, in accordance with the present Terms and Conditions.  

13. Final Provisions 

13.1. In no event shall the Organiser be held liable for external fluctuations that might affect the economic value of  the allocated prizes. 

13.2. The present Terms and Conditions shall come into force on the 9th February 2022 and remain valid until to 31st March 2022 included or until amended or suspended by the Organiser. They may be consulted on the website  ( during the Duration Period of the Promo. Participants may request additional  information in respect of matters connected to the Promo, as well as suggestions or possible complaints, by  

calling 100 from a mobile telephone that is subscribed to MTN’s mobile network 24 hours a day, 7 days a week,  during the Duration Period of the Promo. 

13.3. Any dispute arising from or connected to this Promo shall be subject to the exclusive jurisdiction of the  Rwandan competent authorities and in accordance with Rwandan law.

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