Last verified: July 2026
Quick Answer
The official USSD code to send money using TymeBank (now operating as GoTyme Bank in South Africa) is *120*543#.
To start a transfer without mobile data:
- Dial
*120*543#from the mobile number registered to your TymeBank account. - Enter your 4-digit PIN.
- Select SendMoney from the menu and enter the recipient’s South African cellphone number and amount.
If you are completely out of airtime to dial a standard USSD session, you can dial *130*543# to access essential airtime top-up options.
What the Service Is and Who Can Use It
TymeBank’s USSD SendMoney service allows active TymeBank account holders to transfer money directly to another bank account or create a cash Send Money Voucher sent via SMS to any South African cellphone number.
Prerequisites & Eligibility
- Account Requirement: You must have an active TymeBank / GoTyme Bank current account with a positive balance.
- Registered SIM: You must dial the USSD code from the exact cellphone number linked to your TymeBank profile.
- Network Access: Works across all major South African mobile networks (Vodacom, MTN, Telkom, Cell C) without requiring internet or Wi-Fi.
- Recipient Eligibility: The recipient can be another TymeBank account holder or anyone with a valid South African cellphone number capable of receiving SMS messages.
How to Send Money
Before You Start
- Ensure your account has sufficient funds to cover the transfer amount.
- Verify the recipient’s mobile number carefully before starting the prompt session.
- Keep your 4-digit USSD PIN private.
Verified Step-by-Step Process
- Dial the Code: Open your phone keypad, dial
*120*543#, and press call. - Enter PIN: Key in your security PIN when prompted.
- Select SendMoney: Choose the menu option for SendMoney.
- Enter Recipient Details: Input the recipient’s 10-digit South African cellphone number.
- Enter Amount: Type the exact rand amount you wish to transfer (up to R5,000 per transaction).
- Review Details: Carefully review the summary displaying the recipient’s number and the transfer amount.
- Confirm Transaction: Press 1 to confirm and send.
Confirmation or Expected Result
When the transaction is successful, you will see an immediate on-screen notification confirming the request was processed.
- Sender Notification: You will receive a confirmation SMS displaying the debited amount and transaction reference.
- Recipient Notification: If sent as a cash voucher, the recipient receives an SMS containing the cash value and a 10-digit voucher PIN.
- Collection: Cash vouchers can be redeemed at participating retail till points (such as Pick n Pay and Boxer) or Flash merchant outlets across South Africa.
Important Note: Send Money Vouchers are irreversible once confirmed. Always verify the phone number twice before submitting the final menu prompt.
Fees, Limits, Eligibility, and Processing Times
| Feature | Details |
| USSD Session Fee | Standard USSD rates apply (~20c per 20 seconds). |
| Transfer Fee (TymeBank to TymeBank) | Free |
| Cash Send Voucher Fee | Free to send; R10 fee charged upon cash collection at retail tills. |
| Maximum Voucher Limit | Up to R5,000 per voucher. |
| Voucher Validity / Expiry | Valid for 7 days from the date of issue. |
| Processing Time | Instant notification sent via SMS. |
Common Problems and Troubleshooting
Code, Session, SIM, or Account Errors
- “Connection Problem or Invalid MMI Code”: Ensure you are using the primary SIM slot on dual-SIM phones if that slot contains your registered TymeBank number.
- “Session Timed Out”: USSD sessions automatically terminate after inactivity. Redial
*120*543#and complete the prompts without pausing. - “Insufficient Funds”: Verify your balance before initiating a transfer. Note that session charges may apply even if a transaction fails.
When the Service Has Changed or Is Unavailable
If the USSD network experiences temporary downtime, network congestion, or service maintenance, do not repeatedly retry immediately to avoid accidental duplicate debits. Instead, wait a few minutes or switch to the official app.
Official Alternatives
When USSD is unavailable or if you need to complete higher-limit banking tasks, use these official routes:
- TymeBank Mobile App: Download the official TymeBank app from the Google Play Store, Apple App Store, or Huawei AppGallery for full transaction history and zero network timeout pressure.
- TymeBank Internet Banking: Log in safely at the official TymeBank website to manage payments and beneficiaries.
- TymeBank Kiosks: Visit any official TymeBank kiosk located inside Pick n Pay and Boxer stores nationwide.
- Customer Support: Call official TymeBank customer support directly at 0860 999 119 if a transaction fails but funds are debited.
Safety and Privacy
- Keep Credentials Private: Never share your 4-digit USSD PIN, account password, or OTP with anyone—including bank agents, callers, or store clerks.
- Verify Recipient Details: Always double-check cellphone numbers before confirming, as cash vouchers sent to the wrong number cannot be undone automatically.
- Beware of Scams: TymeBank will never call or send an SMS asking you to dial a USSD code to “reverse” or “verify” a payment.
- Account Blocking: If you suspect fraudulent activity or lose your phone, contact TymeBank customer service immediately to freeze your profile.
Internal Links
- Banking USSD Codes — Return to the general South African cellphone banking code directory.
- TymeBank USSD Code To Check Balance — View quick steps to check your account balance via USSD.
- TymeBank Cellphone Banking USSD Code — Explore all menu features available on TymeBank USSD.
- TymeBank USSD Code — Main menu overview and shortcut list for TymeBank.
- TymeBank USSD Code To Buy Voucher — Guide on purchasing retail and prepaid vouchers using USSD.
- Send Money USSD Codes — Compare cash transfer codes across all South African banks.
Frequently Asked Questions
What is the current TymeBank USSD Code To Send Money?
The current code is *120*543#. Dialing this code opens the main cellphone banking menu where you can select the SendMoney option.
What recipient details are needed?
You only need the recipient’s valid 10-digit South African cellphone number. They do not need to have a TymeBank account to collect cash at participating retailers.
What fees and limits apply?
It is free to issue a Send Money Voucher from your account, though standard USSD network session rates apply (~20c per 20 seconds). A R10 cash-out fee is deducted when the recipient redeems the cash at a participating store. The maximum voucher limit is R5,000 per transaction.
How does the recipient collect the money?
The recipient receives an SMS containing a 10-digit voucher number. They present this voucher number and their cellphone at any Pick n Pay, Boxer, or Flash merchant till point to collect the cash.
What should I do if the TymeBank USSD route does not work?
If USSD fails, verify your mobile network signal and check that you are using the SIM linked to your bank account. If the issue persists, open the TymeBank mobile app or visit a TymeBank kiosk at Pick n Pay/Boxer.
