Your zumo device can store MP3 files to play music. All music files must be in MP3 format to be playable on the device.

The MP3 files can be loaded to the internal memory of the device as well as an external SD card. All MP3 files will be displayed together on your device.

To load MP3 files to your device's internal memory:

Open the Garmin zumo drive
- On a PC, open Computer, My Computer, or This PC to access this drive
- On a Mac, the GARMIN drive will be mounted on the desktop or found under Devices in Finder
  - Unless you're using an SD card reader, it is best to use a Windows computer for a zumo XT as files cannot be viewed when connected to a Mac computer
  - See Automotive Device Compatibility with Garmin Mac Applications on macOS for information on viewing files on a zumo XT
If the device is in MTP mode, open Internal Storage
- When your zumo device is connected to a PC, by default it will enter MTP (Media Transfer Protocol) mode, as indicated by an orange or yellow computer connection icon on the screen of the device
- It may also enter mass storage mode, as indicated by a grey computer connection icon
- When the device is connected to a Mac, it should always enter mass storage mode
Open the MP3 folder
- If an MP3 folder is not visible, you may create one by pressing the keyboard combination Shift+Ctrl+N on a PC, or Shift+⌘+N on a Mac, and naming the new folder MP3
- An MP3 folder is not necessary but helps to keep all your MP3 files in one place
- This makes it easier to locate the files if/when you need to delete them and helps prevent accidental deletion of other files in the device
Transfer the desired MP3 files into this folder
- This can be done by copying and pasting the files, or dragging and dropping them from their original location
Once the transfer is complete, if your device is in mass storage mode, safely remove or eject the device from the computer
- If the device is in MTP mode, skip this step
Disconnect the device

The MP3 files will now be playable on the device. See MP3 Files on a Memory Card not Showing on a zumo XT if you're using a memory card in a zumo XT and it's not working.

To load MP3 files to a blank SD card, simply insert the SD card into the device or memory card reader, open the SD card drive on your computer, then follow steps 3 and 4.