Old Mutual USSD Code To Check Balance

Quick Answer

Last Verified: July 2026

To check your Old Mutual Rewards points balance or general service balances via USSD in South Africa, dial *120*6672# (or *120*OMSA#) from your registered cellphone number. If you are using the Old Mutual Money Account (cellphone banking service, transitioning to OM Bank), dial *120*257# to access cellphone banking balance queries and transactions.

USSD string availability depends on account type and cell network status.

What the Service Is and Who Can Use It

Old Mutual’s USSD self-service channel allows South African customers to view active account, policy, and reward balances directly from basic mobile phones or smartphones without using mobile data.

Eligible Services and Users

• Old Mutual Rewards Members: Any registered Rewards member can check earned points balances.
• Old Mutual Money Account Holders: Customers with a SWIPE or SAVE account can access balance details using the cellphone banking string.
• Policy & Funeral Cover Holders: Customers with active policies linked to their South African ID and cellphone number.

Exclusions

• Unregistered phone numbers (must be the primary number on file with Old Mutual).
• Full investment portfolio management or detailed PDF bank statements (these require internet banking or the Old Mutual App).

How to Check the Balance

Before You Start

1. Use the Registered SIM: Make sure you dial from the cellphone number registered to your Old Mutual account or policy.
2. Ensure Signal: Verify that your mobile phone has a active cellular network connection (MTN, Vodacom, Cell C, Telkom, or Old Mutual Connect).
3. Have Small Airtime Available: While some standard dialling sessions are free or zero-rated during specific promotions, standard USSD network session fees (typically around 20c per 20 seconds) may apply depending on your network provider.

Verified Step-by-Step Process

Option A: Rewards & Policy Self-Service (*120*6672#)

1. Open your phone dialler and dial *120*6672#.
2. Press the Call / Dial button.
3. Select Option 3 (or the corresponding option on screen for Check Rewards / Policy Balances).
4. Follow the interactive prompts to view your points or linked plan summary on screen.

Option B: Money Account Cellphone Banking (*120*257#)

1. Open your phone dialler and dial *120*257#.
2. Enter your secure 5-digit PIN when prompted.
3. Choose Balance Enquiry from the main menu.
4. Your available SWIPE and SAVE account balances will display on screen, followed by an optional confirmation SMS.

Confirmation or Expected Result

When successful, your phone screen will display an immediate pop-up text message with your current balance (e.g., available cash or Rewards points). Depending on network settings, Old Mutual may also send a follow-up confirmation SMS with your reference details.

If your session is interrupted or charged without showing a balance, wait 2–3 minutes before retrying, or check via the official alternative routes below.

Fees, Limits, Eligibility, and Processing Times

Common Problems and Troubleshooting

Code, Session, SIM, or Account Errors

• “Connection Problem or Invalid MMI Code”: Network towers may be congested. Toggle flight mode on and off, or re-dial the string.
• “User Not Registered”: You are dialling from a SIM card not linked to your Old Mutual profile. Contact customer support or update your mobile number at a branch.
• “Session Timed Out”: USSD sessions automatically disconnect after 20 seconds of inactivity. Dial the code again and respond to prompts promptly.

When the Service Has Changed or Is Unavailable

Old Mutual is transitioning legacy Money Accounts to OM Bank. If *120*257# returns a service disruption message, use WhatsApp or the Old Mutual Mobile App for instant balance checks.

Official Alternatives

When USSD is unavailable or experiencing session timeouts, use these verified self-service options:

1. WhatsApp Banking: Save 0860 933 333 to your contacts, open WhatsApp, and message "Hi" to view policy details, balances, and Rewards points.
2. Old Mutual App: Download the official Old Mutual App from the Google Play Store, Apple App Store, or Huawei AppGallery to manage accounts, claims, and investments.
3. Internet Banking / Portal: Log in at secure.moneyaccount.co.za or oldmutual.co.za.
4. Customer Service Call Centre: Call 0860 933 333 (General Enquiries) or 0860 222 252 (Money Account).

Need details on other financial institutions or transaction options? Check our guides on Banking USSD Codes, Old Mutual USSD Code, Old Mutual USSD Code For Cellphone Banking, Capitec USSD Code To Check Balance, TymeBank USSD Code To Check Balance, and Send Money USSD Codes.

Safety and Privacy

Important Security Reminder:

Old Mutual will never ask for your secret 5-digit PIN, card PIN, online banking password, or one-time PIN (OTP) over the phone, via SMS, or through unverified pop-up screens.

• Always verify that you are dialling the official codes (*120*6672# or *120*257#).
• Do not enter your banking PIN if a USSD prompt appears unexpectedly without you initiating the call.
• Report suspicious activity or suspected fraud immediately to the 24/7 Old Mutual Tip-offs hotline at 0800 222 117 or email [email protected].

Frequently Asked Questions

What is the current Old Mutual USSD Code To Check Balance?

The main USSD code for Old Mutual self-service and Rewards is *120*6672#. For Old Mutual Money Account banking balance queries, use *120*257#. (Last verified: July 2026)

Which balance does the code show?

*120*6672# displays your Old Mutual Rewards points balance and policy status summaries. *120*257# displays real-time available balances for SWIPE and SAVE banking accounts.

Must I dial from my registered number?

Yes. For security reasons, USSD systems automatically verify your identity using the SIM card’s cellphone number linked to your Old Mutual profile.

Is the displayed amount real-time or delayed?

Balances shown via USSD are real-time reflection amounts at the exact time of query.

What should I do if the Old Mutual USSD route does not work?

If USSD fails, send "Hi" via WhatsApp to 0860 933 333, log into the Old Mutual App, or call customer care at 0860 933 333.