Banking USSD Codes

Every major South African bank offers a USSD cellphone banking menu, so you can check a balance, pay a beneficiary or buy airtime without data or an app. Each bank uses its own code and only works from the cellphone number registered on your account. Choose your bank below for the current code and the tasks it supports.

Directory updated: 13 September 2026. Each code below shows the date it was last verified on its own guide. USSDCode.co.za is an independent guide and is not affiliated with any bank, network, retailer, lender or government department listed here.

Quick Answer and Most-Used Codes

Dial your own bank's code from the cellphone number linked to your account, then sign in with your remote banking PIN. There is no shared code that works across banks. Capitec is *120*3279#, FNB is *120*321#, Absa is *120*2272# and Standard Bank is *120*2345#, all last verified July 2026.

TymeBank has rebranded as GoTyme Bank. Its guide keeps the TymeBank name because that is still what most people search for; menu wording may now show the new brand.

Browse by Provider or Service

Each bank guide covers the bank's code, what its menu is used for and the official alternative if USSD is unavailable. Open the guide for your bank:

• Capitec — balances, payments, airtime, vouchers, Send Cash
• FNB — balances, payments, airtime, eWallet, prepaid
• Absa — balances, transfers, CashSend, airtime, prepaid
• Standard Bank — balances, payments, Instant Money, airtime
• Nedbank — balances, payments, send money, airtime
• TymeBank (now GoTyme Bank) — balances, account number, vouchers, electricity
• African Bank — balances, cellphone banking, send money
• Discovery Bank — balances and cellphone banking
• Old Mutual — account self-service
• Bidvest Bank — pending verification
• Postbank — SMS balance enquiry; no USSD banking code

Some banks list more than one code, for example a *130* variant alongside the *120* code. The variants are covered on each bank's own page rather than here, so the codes do not get out of step.

Browse by Task

These guides compare the same task across banks, or cover one bank's task in detail:

• Check your bank balance using USSD (all banks)
• Account number: Capitec, FNB, Absa, Standard Bank, Nedbank, TymeBank
• DebiCheck debit orders: Capitec, FNB, Absa, Standard Bank, Nedbank, TymeBank, African Bank
• Buy airtime from your bank: Capitec, Absa, Standard Bank, Nedbank, TymeBank
• Send money to a cellphone number (CashSend, eWallet, Instant Money)
• Buy vouchers and pay accounts from your bank menu
• Buy prepaid electricity through banking USSD

How to Use These USSD Codes

Banking USSD is designed for people without data or a smartphone, but it has tighter security than network codes. Before your first session:

1. Make sure the cellphone number on your bank profile is the SIM you are dialling from. The menu will not open from any other number.
2. Register for cellphone banking if your bank requires it. Most banks let you register at an ATM, in the app or at a branch, and some let you register the first time you dial.
3. Create your remote PIN. This is separate from your card PIN and should never be shared.
4. Dial your bank's code, enter the PIN when asked, and choose the task from the menu on your screen.
5. Check the amount and recipient carefully before confirming. USSD payments usually cannot be reversed from the menu.

Banks can charge their own transaction fees on top of the network's USSD session charge. Check your bank's current pricing guide on its official website before relying on a fee quoted anywhere else.

Codes to Verify Before Dialling

These banks either have no USSD code confirmed on this site or have a guide flagged for re-checking. Use the official channel shown until the guide is updated:

• Type the code yourself. Never dial a code sent to you by a stranger, a WhatsApp message or a caller claiming to be your bank.
• No legitimate bank, network or government service will ask you to read out your PIN, OTP or password to another person.
• If you lose your phone or your SIM stops working unexpectedly, call your bank to block cellphone banking immediately. A sudden loss of signal can be a sign of a SIM swap.

Related USSD Guides

• Bank USSD code not working
• Forgot your cellphone banking PIN
• Bank transaction failed on USSD
• Mobile network USSD codes for airtime and data
• Payment USSD codes for vouchers and accounts
• All USSD codes in South Africa

More Banking USSD Codes

• African Bank Cellphone Banking USSD Code
• How To Register USSD Code For Capitec
• Discovery Bank Cellphone Banking USSD Code
• FNB Cellphone Banking USSD Code
• TymeBank Cellphone Banking USSD Code