Last checked: 25 June 2026
The cardless withdrawal USSD code you should use depends on the bank or wallet service that sent the money. There is no single cardless cash withdrawal code that works for every South African bank. In most cases, the sender uses their bank’s cellphone banking menu to create a cash voucher, and the receiver uses a voucher number, cellphone number, PIN, OTP, or secret code to withdraw the money.
Before you dial any code or approve any payment, confirm the bank, amount, cellphone number, fee, expiry rule, and withdrawal point on the official screen. Never share your banking PIN, OTP, app approval, banking password, full card number, or voucher code with someone claiming to be from the bank.
Quick Answer and Code/Menu Path
Use this table as a starting point, then confirm the latest menu path on the bank’s official USSD screen before authorising the transaction.
| Bank or wallet | Cardless withdrawal USSD code or menu | What it is used for | What to check before you continue |
|---|---|---|---|
| FNB eWallet | Dial *120*277#, select Access eWallet, then Get Cash. FNB says eWallet users can generate a one-time PIN or ATM PIN for withdrawal, and the OTP is valid for 16 hours. (FNB) | Getting cash from an FNB eWallet at an FNB ATM, AgencyPlus, or selected retail partner. | Confirm the OTP, cellphone number, withdrawal point, and expiry time. |
| Absa CashSend | Dial *120*2272#, enter your 5-digit PIN, select the CashSend option, enter the recipient and amount, then create the 6-digit code the recipient will use at an Absa ATM. (Absa) | Sending Absa CashSend using cellphone banking. | Absa’s help page lists a cellphone-banking CashSend daily limit note, so check the current limit on-screen before sending. (Absa) |
| Capitec Send Cash | Dial *120*3279#, reply 2, then reply 3, accept the terms, choose the account, enter the amount, create a 4-digit secret code, and enter your Mobile Banking PIN | Sending Capitec cash without using the app. | The receiver needs the reference number and secret code. Do not send the secret code in the same message as the reference if you are worried about fraud. |
| Nedbank cardless withdrawal | Dial *120*001#, sign in, choose Send money, and follow the prompts. Nedbank says the receiver can dial *120*001# or *120*002# to have a cash voucher resent if no SMS arrives. (Nedbank) | Sending money to a cellphone number for cardless withdrawal. | Check the receiver’s cellphone number, voucher status, daily limit, and whether the SMS was received. |
| Standard Bank Instant Money | For Standard Bank cellphone banking, dial *120*2345#, sign in, select Payments and Transfers, then InstantMoney. For Instant Money Wallet and voucher self-service, dial *120*212# to resend vouchers, reset PINs, or view voucher status. (Standard Bank) (Standard Bank) | Sending or managing Standard Bank Instant Money vouchers. | Confirm whether you are using Standard Bank Cellphone Banking or the Instant Money Wallet, because the codes serve different purposes. |
If you already know the provider, go directly to the bank-specific guide: FNB eWallet USSD code, Nedbank send money USSD code, or Standard Bank Instant Money USSD code.
How to Send Money or Withdraw Cash
A cardless withdrawal usually has two parts. First, the sender creates the transaction from a bank account, wallet, ATM, app, retailer, or USSD menu. Second, the receiver collects the money using the voucher, PIN, secret code, access code, or OTP.
The exact wording can differ by bank, but the safe flow is similar.
Requirements
To send cardless cash, you normally need:
- The cellphone linked to your bank profile or wallet.
- The correct USSD code for your bank.
- Your banking PIN or mobile banking PIN.
- The recipient’s correct South African cellphone number.
- Enough money in the account or wallet.
- Airtime if the USSD session is charged by your network or provider.
- A safe place to transact where nobody can see your PIN or screen.
To withdraw cash sent to your phone, you may need:
- The voucher number, withdrawal number, reference number, or cellphone number.
- The OTP, secret code, access code, or cash collection PIN.
- The correct ATM or participating retailer.
- The full amount, if the provider requires full voucher withdrawal.
- The SMS or resend option if the original message was deleted.
Step-by-step process for sending cardless cash
- Dial the verified USSD code for your bank.
- Sign in only through the official menu.
- Choose the send-money, eWallet, CashSend, Send Cash, Instant Money, or cardless withdrawal option.
- Enter the recipient’s cellphone number carefully.
- Enter the amount.
- Create the PIN, secret code, or access code if your bank asks for one.
- Review the confirmation screen.
- Confirm only if the amount, fee, cellphone number, and account are correct.
- Save the transaction reference or SMS.
- Give the receiver the collection details safely.
For example, Absa’s cellphone banking CashSend flow starts with *120*2272#, then asks the sender to select the CashSend option, enter the recipient’s cellphone number and name, choose the debit account, enter the amount, create the 6-digit withdrawal code, and confirm the transaction. (Absa) Capitec’s USSD Send Cash flow starts with *120*3279#, then requires the sender to reply 2, reply 3, choose the account, enter the amount, create a 4-digit secret code, and enter the Mobile Banking PIN. (Capitec Bank)
Step-by-step process for withdrawing cash sent to your phone
- Go to the correct ATM or participating retailer.
- Choose the cardless withdrawal, eWallet, CashSend, Instant Money, Send Cash, or voucher option.
- Enter the cellphone number, voucher number, reference number, or withdrawal number when prompted.
- Enter the OTP, ATM PIN, access code, secret code, or collection PIN.
- Confirm the amount shown.
- Collect the cash.
- Keep the SMS or receipt until you are sure the transaction is complete.
For FNB eWallet, FNB says the receiver can dial *120*277#, select Access eWallet, then Get Cash to generate a one-time PIN or ATM PIN, and can withdraw at FNB ATMs, AgencyPlus, or selected retailers. (FNB) For Standard Bank Instant Money, the receiver can withdraw at a Standard Bank ATM or participating retailer by entering the 10-digit voucher number and 4-digit PIN. (Standard Bank)
Fees, Limits, Expiry, and Reversal Notes
Fees, limits, expiry times, and reversal rules can change. Treat the fee and limit shown on the bank’s official USSD, app, ATM, or website screen as the final check before you approve a transaction.
| Provider | Fees or limits to verify | Expiry and reversal notes |
|---|---|---|
| FNB eWallet | Check FNB’s current eWallet pricing guide and the fee shown before you confirm. FNB says eWallet reversals may be done through the app, cellphone banking, WhatsApp, or contact centre, but reversal attempts can be charged. (FNB) | FNB says temporary OTPs and ATM PINs are valid for 16 hours. FNB also says an eWallet reversal can be requested within 72 hours, but reversals may only be possible if the receiver has not used all the money. (FNB) |
| Absa CashSend | Absa’s cellphone banking help page lists CashSend steps and a cellphone-banking limit note. Always confirm the current limit and fee on the Absa screen before sending. (Absa) | The receiver uses the 6-digit code to withdraw from an Absa ATM. If the code is wrong or forgotten, use Absa’s official support route rather than sharing banking details with anyone. |
| Capitec Send Cash | Capitec’s USSD flow is confirmed on its official Send Cash page. Check the latest fee and available limit before confirming, because charges and limits can change. (Capitec Bank) | Capitec says users can update the secret code for unredeemed vouchers through Internet banking. (Capitec Bank) |
| Nedbank cardless withdrawal | Nedbank’s FAQ says users can send money multiple times if it remains within the R5,000 daily limit. (Nedbank) | Nedbank says a voucher is valid for 30 days and the money is returned to the sender if the voucher expires. (Nedbank) |
| Standard Bank Instant Money | Standard Bank lists Instant Money fees by sending channel and amount band, including Standard Bank channel fees of R10, R20, or R30 depending on amount. (Standard Bank) | Standard Bank says Instant Money vouchers are valid for 3 years, and that only vouchers with the full value remaining can be cancelled. The initial sending fee is non-refundable for cancellations. (Standard Bank) |
Do not promise a receiver that a reversal is guaranteed. A reversal usually depends on the bank, the channel used, whether the voucher has been redeemed, whether the full value remains, and whether the sender still has the required transaction details.
Safety Checks Before You Confirm
Cardless withdrawal USSD codes are useful, but they are also easy to misuse if a number, PIN, or voucher is shared with the wrong person. Pause before confirming any transaction.
Check these details first:
- Is the USSD code the official code for your bank?
- Is the cellphone number correct?
- Is the amount correct?
- Is the fee shown on screen acceptable?
- Is the account or wallet being debited the correct one?
- Does the receiver know where to withdraw?
- Do you understand the expiry rule?
- Are you being rushed by someone on a call, WhatsApp, SMS, or social media?
- Are you being asked to share an OTP, PIN, password, app approval, or voucher code with a stranger?
SABRIC warns that banks will never ask for your PIN, OTP, or banking password. It also advises users to verify suspicious contact by ending the call and using the bank’s official contact route. (SABRIC) SABRIC’s safety guidance also says users should memorise PINs and passwords and never share them, even with someone claiming to be a bank official. (SABRIC)
A voucher code is not the same as a banking PIN, but it can still give someone access to cash. Share voucher details only with the correct receiver. If you suspect the voucher has gone to the wrong person, contact the provider immediately through official channels.
Common Errors and What to Do
The USSD code says “connection problem” or “invalid MMI code”
Check that you dialled the code correctly, including every * and #. If you use a dual-SIM phone, make sure the USSD request is going from the SIM linked to your bank profile. Move to a better signal area and try again once. Do not keep retrying if the menu appears broken or unfamiliar.
The session times out
USSD sessions can expire if you take too long between screens. Start again from the official code. Do not confirm a transaction if the menu resumes halfway through and you are not sure what it is about to approve.
The receiver did not get the voucher SMS
Ask the sender to check the transaction status through the official app, online banking, USSD menu, branch, or contact centre. Nedbank says a receiver can dial *120*001# for Cellphone Banking or *120*002# for MobiMoney to have the cash voucher resent. (Nedbank) Standard Bank says Instant Money users can use *120*212# to resend voucher SMSs, reset PINs, and view voucher status. (Standard Bank)
The receiver is at the wrong ATM or retailer
Cardless cash is provider-specific. An Absa CashSend withdrawal is not the same as an FNB eWallet withdrawal, and a Standard Bank Instant Money voucher may need a Standard Bank ATM or participating retailer. Standard Bank lists Standard Bank ATMs and participating retailers as Instant Money cash-out points, while FNB lists FNB ATMs, AgencyPlus, and selected retail partners for eWallet. (Standard Bank) (FNB)
The wrong cellphone number was entered
Contact the bank immediately through official channels. Do not send a second voucher until you know whether the first voucher is unused, cancelled, expired, or already redeemed. Keep the transaction reference, date, amount, recipient number, and any SMS confirmations.
The PIN, OTP, or secret code is blocked
Use the provider’s official reset or resend option. Standard Bank says Instant Money users can reset voucher PINs before use through the original sending channel or contact the Instant Money team; FNB says temporary OTPs and ATM PINs expire after 16 hours, so a new one may be needed. (Standard Bank) (FNB)
Related Bank and Wallet Guides
Use the bank-specific page when you know which service was used:
- FNB eWallet USSD code — for eWallet get-cash, OTP, ATM PIN, and reversal guidance.
- Nedbank send money USSD code — for Nedbank Cellphone Banking, MobiMoney, and cash voucher retrieval.
- Standard Bank Instant Money USSD code — for Instant Money Wallet, voucher status, PIN reset, and resend options.
- Withdraw cash sent to my phone — for receiver-focused withdrawal steps.
- Retrieve cash voucher USSD code — for missing, deleted, delayed, or expired voucher details.
- Send money USSD code South Africa — for a broader comparison of send-money options by bank and wallet.
FAQs
What should users check before using cardless withdrawal USSD code?
Check the provider, USSD code, cellphone number, amount, fee, expiry rule, and withdrawal point before confirming. If the menu path looks different from the official bank screen, stop and verify it through the bank’s app, website, branch, or contact centre.
Can cardless withdrawal USSD code be cancelled or reversed?
Sometimes. It depends on the provider and whether the money has already been collected. FNB says eWallet reversals can be requested within 72 hours, but they may only be possible if the receiver has not used all the money. Standard Bank says Instant Money vouchers can be cancelled through the same channel used to send them, but only if the full value remains, and the original sending fee is not refundable. (FNB) (Standard Bank)
Do cardless cash codes expire?
Yes, many do, but the expiry period differs by provider. FNB says temporary OTPs and ATM PINs are valid for 16 hours. Nedbank says its voucher is valid for 30 days and the money returns to the sender if it expires. Standard Bank says Instant Money vouchers are valid for 3 years, although bulk-payment clients can set shorter periods. (FNB) (Nedbank) (Standard Bank)
Are there fees or limits for cardless withdrawal USSD code?
Yes. Fees and limits depend on the bank, account, channel, and amount. Absa, Nedbank, Standard Bank, FNB, and Capitec each have their own rules, so check the official screen before confirming. Standard Bank publishes amount-based Instant Money fees, and Nedbank’s FAQ mentions a R5,000 daily limit for cardless withdrawal sending. (Standard Bank) (Nedbank)
Is cardless withdrawal USSD code safe?
It can be safe when you use the official bank code, protect your PIN, and share collection details only with the correct receiver. It becomes unsafe if you are pressured into sharing OTPs, banking passwords, app approvals, or voucher details with someone you do not trust. SABRIC says banks will never ask for your PIN, OTP, or banking passwords. (SABRIC)
What should I do if the receiver cannot withdraw?
Check that the receiver is using the correct ATM or retailer, the voucher has not expired, the correct cellphone number or voucher number is being entered, and the right PIN, OTP, access code, or secret code is being used. If the SMS is missing, use the bank’s official resend option. If the voucher may have gone to the wrong number, contact the bank immediately and keep the transaction reference.