Last checked: 26 June 2026. The safest current route for an eWallet ATM PIN code is to use FNB’s official eWallet menu, the FNB App, FNB WhatsApp, or the live FNB USSD menu shown on your phone. FNB’s public eWallet guidance says a recipient can generate a temporary PIN for cash withdrawal through the FNB App, WhatsApp, *120*277#, or *120*321#. (FNB)
An eWallet ATM PIN is not the same as your personal banking PIN. FNB explains that a temporary ATM PIN is used to get cash at an FNB ATM, while an eWallet PIN is used to protect funds in the eWallet. (FNB)
Quick Answer and Code/Menu Path
For FNB eWallet cash withdrawal, the main code to check is:
| Task | Code or route to check | What it does |
|---|---|---|
| Get an eWallet ATM PIN | *120*277# | Select Get Cash or Access eWallet, depending on the menu shown. |
| Alternative FNB route | *120*321# | FNB lists this as another route for generating a PIN for cash withdrawal. |
| Get cash via FNB App | FNB App > eWallet > Account Options > Withdraw Cash | Generates a one-time PIN or reference details for the selected withdrawal method. |
| Use eWallet at selected retailers | *120*277*4# | FNB lists this for one-time PIN use at selected retail and fuel partners. |
| Protect eWallet funds | *120*277# > Protect eWallet | Sets an eWallet PIN to protect the wallet balance. |
FNB’s Send Money guidance says the recipient can dial *120*277#, select Get Cash, receive an SMS with a temporary ATM PIN, then use that PIN at an FNB ATM by selecting eWallet Services. (FNB)
Before using any eWallet ATM PIN code, confirm that you are on an official FNB channel. Do not use a code from a forwarded WhatsApp message, Facebook comment, SMS link, or stranger at an ATM unless the same option appears in the official FNB App, FNB website, FNB WhatsApp, or live USSD menu.
How to Send Money or Withdraw Cash
The eWallet ATM PIN code flow is mainly for the receiver who needs to withdraw cash. The sender sends money to a valid South African cellphone number, and the receiver then uses the official FNB eWallet route to get a temporary PIN for cash withdrawal.
To get cash at an FNB ATM, the receiver can follow this general flow:
- Dial *120*277#.
- Choose the eWallet or Get Cash option shown in the menu.
- Wait for the SMS with the temporary ATM PIN.
- Go to an FNB ATM.
- Press Proceed or Enter.
- Select eWallet Services.
- Enter the cellphone number linked to the eWallet.
- Enter the temporary ATM PIN.
- Choose the amount to withdraw.
FNB states that the receiver receives an SMS with a temporary ATM PIN and then enters the cellphone number and temporary PIN at the FNB ATM to withdraw cash. (FNB)
For app users, FNB says the user can log in to the FNB App, select eWallet, choose Account Options, then choose Withdraw Cash. The app then provides a one-time PIN and, depending on the withdrawal point, sometimes a reference number. (FNB)
For selected retail partners, the flow can be different from an ATM withdrawal. FNB says eWallet cash can be withdrawn at selected partners such as Pick n Pay, Checkers, Shoprite, Usave, PEP and Ackermans, and that *120*277*4# can be used to get a one-time PIN for retail use. (FNB)
Check network and account status
If the eWallet ATM PIN code does not arrive, first check the simple things. Make sure the phone has signal, the correct SIM card is active, SMSes are working, and the cellphone number matches the number used for the eWallet.
If you have no airtime, FNB’s Send Money FAQ says the free dial string *130*277# can be used to buy airtime, after which the paid *120*277# string can be used for Get Cash. (FNB)
Retry safely
Do not keep retrying random codes. Use one official route at a time: the FNB App, the live *120*277# menu, FNB WhatsApp, or the support route shown on FNB’s website.
If the menu wording has changed, follow the wording on the live menu instead of relying on an old screenshot. USSD menus can change, and a safe page should always tell users to confirm the current FNB prompt before authorising anything.
If the receiver cannot withdraw
If the receiver cannot withdraw, check:
- Was the money sent to the correct cellphone number?
- Has the temporary ATM PIN expired?
- Is the receiver at an FNB ATM or supported withdrawal point?
- Is the receiver entering the same cellphone number used for the eWallet?
- Is the receiver entering the temporary ATM PIN, not a personal bank card PIN?
- Has FNB blocked or reduced the transaction because of a fraud check?
FNB says Send Money transactions may be blocked or limits reduced if the system identifies a transaction as potentially fraudulent. (FNB)
Fees, Limits, Expiry, and Reversal Notes
Fees, limits, expiry times and reversal rules must be checked before publishing or transacting because FNB can update pricing and product rules.
FNB’s eWallet page currently says the maximum eWallet balance is R14 000 and that the maximum amount an FNB customer can send to an eWallet depends on the channel used. (FNB)
FNB also says an eWallet one-time PIN can be valid for 16 hours, depending on the route and withdrawal method. The FNB App withdrawal guidance says the OTP is valid for 16 hours, and the USSD withdrawal guidance repeats that the OTP is valid for 16 hours. (FNB)
For fees, use FNB’s current pricing page before publishing final copy. FNB’s pricing page shows an annual pricing update effective 1 July 2026 and links to the current pricing guide area. (FNB) Do not publish a fixed eWallet withdrawal fee, reversal fee or send-money fee unless it has been checked against the latest FNB pricing guide on the day of publication.
For reversals, do not promise that FNB can reverse the money. FNB says that if money is sent to the wrong cellphone number, the sender should contact the eWallet Call Centre, and it warns that there may be a charge and reversals are not guaranteed. (FNB)
FNB’s pages show more than one support number in different eWallet contexts. The eWallet page lists 087 392 5538 for wrong-number queries, while the Send Money FAQ lists 087 575 9405 for eWallet problems. (FNB) Because support routes can change, the safest advice is to use the number shown inside the FNB App, on the current FNB website, or on the live USSD support screen.
Safety Checks Before You Confirm
Before using an eWallet ATM PIN code, check the cellphone number digit by digit. A wrong-number eWallet payment can be difficult to recover, especially if the money is withdrawn quickly.
Never share your eWallet PIN, temporary ATM PIN, OTP, banking password, full card number, card PIN, app password, or voucher code with another person. This includes people claiming to be from FNB, a courier, a buyer, a seller, a refund department, a police station, or a “reversal team”.
Be careful if someone pressures you to act quickly. Scammers often say the money will expire, the transfer will be cancelled, or the bank needs a code to release funds. A real eWallet withdrawal does not require you to read your private PIN to a stranger.
At an ATM, do not accept help from strangers. Cover the keypad, enter the details yourself, take the cash, and end the session before leaving. If the ATM screen looks unusual or someone is standing too close, cancel the transaction and use another ATM.
If you receive an eWallet SMS you were not expecting, do not forward the code. First confirm with the sender through a trusted contact method. If the message looks suspicious, read the scam guidance in send money scams South Africabefore taking action.
Related Bank and Wallet Guides
Use these next-step guides when your issue is related but not exactly the same as getting an eWallet ATM PIN code:
- FNB eWallet USSD code — use this for the broader FNB eWallet USSD menu and send-money options.
- Cash voucher SMS not received — use this if the receiver did not get the SMS, OTP or voucher message.
- Is cardless cash safe? — use this before withdrawing cash, sharing codes, or trusting a voucher message.
- FNB eWallet PIN expired — use this if the PIN expired, the withdrawal failed, or the eWallet is not working.
- Send money scams South Africa — use this if someone asks for a PIN, OTP, voucher code, screenshot, or “reversal” code.
FAQs
What should users check before using eWallet ATM PIN code?
Check that you are using an official FNB route, the cellphone number is correct, the SMS is linked to the expected eWallet transaction, and the withdrawal point is an FNB ATM or supported partner. Also confirm that you are using the temporary ATM PIN, not your personal card PIN or app password.
Can eWallet ATM PIN code be cancelled or reversed?
The temporary ATM PIN can expire, and a new one may be requested through the official FNB route if the funds are still available. Reversing the actual money transfer is different. FNB says wrong-number eWallet cases should be taken to the eWallet Call Centre, but reversal requests may be charged and are not guaranteed. (FNB)
What happens if an eWallet ATM PIN expires?
If the temporary ATM PIN expires, the receiver should request a new one through the official FNB eWallet route. FNB’s eWallet page says the OTP used in the app and USSD cash-withdrawal flow is valid for 16 hours. (FNB)
Are there fees or limits for eWallet ATM PIN code?
Yes, fees and limits can apply. FNB states that the maximum eWallet balance is R14 000 and that send limits depend on the channel used. (FNB) Fees should be checked against FNB’s latest pricing guide before publication or before a user transacts, because FNB pricing can change by pricing year. (FNB)
What should users do if eWallet ATM PIN code is not working?
Check signal, airtime, SMS delivery, the cellphone number, the expiry time, and whether the correct withdrawal point is being used. Then retry only through the FNB App, official FNB WhatsApp, or the live *120*277# menu. If the money went to the wrong number or the receiver still cannot withdraw, contact FNB through the current official eWallet support route.
Is there a protect eWallet USSD code?
Yes. FNB’s Send Money FAQ says users can dial *120*277# and select Protect eWallet to set an eWallet PIN. This protects the eWallet funds, but it is not the same as the temporary ATM PIN used to withdraw cash. (FNB)
What is the difference between an eWallet PIN and an ATM PIN?
FNB says a temporary ATM PIN is used to get cash at an FNB ATM, while an eWallet PIN is used to protect funds in the eWallet. (FNB) That means you should never treat the temporary withdrawal PIN as a long-term banking PIN, and you should never share either PIN with another person.