Last checked from official FNB sources: 25 June 2026.
The main FNB eWallet USSD code depends on what you are trying to do. To send money from FNB Cellphone Banking, dial *120*321#, enter your Cellphone Banking PIN, then choose Send Money > eWallet. To access an eWallet, protect it, or get cash, use *120*277# and follow the eWallet prompts. FNB also lists *130*277# as the free dial string to use when you have no airtime, but that route directs you to buy airtime before continuing with the paid *120*277# eWallet menu. (FNB)
Quick Answer and Code/Menu Path
| Task | Code or menu path | Best for |
|---|---|---|
| Send FNB eWallet from Cellphone Banking | *120*321# > Cellphone Banking PIN > Send Money > eWallet | FNB customers sending money from an FNB transactional account |
| Get cash from an eWallet | *120*277# > Access eWallet > Get Cash | A receiver who needs a temporary PIN or OTP to withdraw |
| Get cash or pay at selected retailers | *120*277*4# and follow the prompts | Retail cash-out, goods, or fuel where available |
| No airtime | *130*277# to buy airtime, then *120*277# | Receiver has no airtime to open the normal eWallet USSD session |
| Protect eWallet funds | *120*277# > Protect eWallet | Setting an eWallet PIN to protect the wallet |
| Reverse a wrong eWallet | FNB App, *120*321#, WhatsApp, or eWallet Call Centre | Sender sent money to the wrong cellphone number |
FNB’s own help content confirms that *120*321# is the Cellphone Banking route for sending eWallet, while *120*277#is used for eWallet access, protection, and get-cash actions. FNB also states that temporary OTPs and temporary ATM PINs are valid for 16 hours from the time they are sent. (FNB)
Do not continue if the menu does not look like an FNB eWallet or FNB Cellphone Banking menu. Cancel the session, redial the code carefully, and confirm the transaction details before authorising anything.
How to Send Money or Withdraw Cash
Requirements
To send money using the FNB eWallet USSD code, you must be registered for FNB Cellphone Banking and use the cellphone number linked to your FNB profile. FNB says the Cellphone Banking sending flow starts by dialling *120*321#, entering your Cellphone Banking PIN, selecting Send Money, selecting eWallet, choosing the account to send from, entering the recipient’s cellphone number, name, surname, and amount, then confirming the amount and cellphone number. (FNB)
The receiver does not need to be an FNB bank-account holder to receive an eWallet, but they must use the cellphone number that received the eWallet SMS. FNB says recipients can generate a PIN through the FNB App, WhatsApp, *120*277#, or *120*321# to withdraw at FNB ATMs, AgencyPlus, or selected retailers. (FNB)
Step-by-step: send FNB eWallet using USSD
- Dial *120*321# from the cellphone number registered for FNB Cellphone Banking.
- Enter your FNB Cellphone Banking PIN.
- Select Send Money.
- Select eWallet.
- Select the account you want to send money from.
- Enter the recipient’s cellphone number.
- Enter the recipient’s name and surname if prompted.
- Enter the amount.
- Read the confirmation screen carefully.
- Confirm only if the cellphone number, recipient details, amount, and account are correct.
The most important check is the cellphone number. A wrong-number eWallet can be hard to recover if the receiver uses the money before the reversal is completed.
Step-by-step: get cash from an FNB eWallet
- Make sure the eWallet SMS was sent to your own cellphone number.
- Dial *120*277#.
- Select Access eWallet.
- Select Get Cash.
- Wait for the temporary PIN or OTP.
- Go to an FNB ATM, AgencyPlus agent, or selected retailer.
- Enter your cellphone number and the temporary PIN or OTP when prompted.
- Choose the amount you want to withdraw.
- Take your cash and end the session before leaving.
FNB says the temporary ATM PIN is used to get cash at an FNB ATM, while an eWallet PIN is used to protect funds in the eWallet. Do not confuse the two, and do not share either one with another person. (FNB)
Step-by-step: use eWallet at selected retailers
For selected retailer or fuel-station transactions, FNB lists *120*277*4# as a route to generate a one-time PIN and reference number. FNB’s eWallet GEO Locator page says the OTP and reference number are received on the cellphone, and the cashier may ask for the cellphone number before the OTP is entered into the card machine. (FNB)
Use this route only where the retailer or fuel station is participating. Never read your OTP aloud to someone standing near you, and do not let another person type it in on your behalf unless it is the official cashier device in front of you.
Fees, Limits, Expiry, and Reversal Notes
Fees
FNB fees can change by pricing year, account type, and eWallet type, so check the latest FNB pricing guide before relying on a cost. In the FNB eWallet Annual Pricing Guide effective 1 July 2026 to 30 June 2027, FNB lists no monthly wallet fee for eWallet, a R10 fee to send money from an evolved FNB eWallet to another eWallet, R12 per R1 000 to withdraw from an FNB ATM, R5 per R1 000 at an FNB AgencyPlus Agent, and R2 to withdraw cash at retail partners for the evolved eWallet.
For standard eWallet recipients, the same guide lists no monthly wallet fee, one free FNB ATM or FNB Mini ATM withdrawal for each payment received, no charge for retail partner withdrawals or purchases, and an inactivity fee after six months of inactivity.
Limits
FNB’s current eWallet page lists the maximum eWallet balance as R14 000. It also lists maximum eWallet send amounts by channel: R3 000 via Online Banking, R1 500 via Cellphone Banking, R15 000 via the FNB App, and R3 000 via WhatsApp. FNB notes that these limits may be reduced if the system identifies the transaction as potentially fraudulent. (FNB)
Because limits may differ by account type, risk checks, channel, and FNB product updates, treat the on-screen limit in your current FNB session as the final live limit.
Expiry
FNB says temporary OTPs and temporary ATM PINs are valid for 16 hours from the time they are sent. If the PIN or OTP expires, request a new one through the official FNB eWallet route instead of asking someone at an ATM, shop, or on social media to help you “retrieve” it. (FNB)
Some retail purchase flows may display a shorter expiry on-screen or in the SMS. Follow the expiry shown in the specific FNB message you received.
Reversals
If you sent money to the wrong cellphone number, act quickly. FNB says an eWallet reversal can be initiated through the FNB App, Cellphone Banking by dialling *120*321#, the call centre, or WhatsApp. FNB also says you have up to 72 hours from when the funds were sent to reverse an eWallet, but reversals may only be possible if the receiver has not used all the money, only three reversals are allowed per month, and reversal attempts are charged. (FNB)
Do not promise the sender or receiver that the money will definitely be recovered. Keep the transaction SMS, recipient number, date, time, amount, and any reference number.
Safety Checks Before You Confirm
Before using any FNB eWallet code, check the following:
| Safety check | Why it matters |
|---|---|
| Confirm the code | Use *120*321# to send from FNB Cellphone Banking and *120*277# for eWallet access or get-cash actions. |
| Confirm the cellphone number | One wrong digit can send the money to someone else. |
| Confirm the amount | Check whether you entered R50, R500, or R5 000 before confirming. |
| Keep PINs private | Never share your banking PIN, eWallet PIN, OTP, temporary ATM PIN, card PIN, password, full card number, or voucher code. |
| Avoid pressure tactics | Scammers often rush users by saying a code will expire, a refund is waiting, or a reversal must be done immediately. |
| Cancel suspicious menus | If the menu wording looks wrong, cancel and redial from the official code. |
| Use official support | Contact FNB through the FNB App, official website, official WhatsApp route, or the number shown in your banking channel. |
FNB’s eWallet guide tells users to set up a secure five-digit eWallet login PIN and keep the PIN safe. It also says the official WhatsApp route should show a verified account indicator.
Common FNB eWallet USSD Problems
The FNB eWallet USSD code is not working
Check that you typed the code correctly, including the star and hash symbols. If the code still fails, move to a place with stronger signal, check that you are using the correct SIM on a dual-SIM phone, and confirm that the SIM receiving the eWallet is active.
If you have no airtime, FNB says to use *130*277# to buy airtime first, then use *120*277# for the paid eWallet USSD session. (FNB)
The receiver did not receive the eWallet SMS
Check whether the sender entered the correct cellphone number. If the number is correct but the SMS has not arrived, wait a short while, restart the phone, check signal, and make sure SMS storage is not full. If the SMS still does not arrive, use the related guide on cash voucher SMS not received.
The temporary PIN expired
A temporary PIN or OTP that has expired will not work. FNB says temporary OTPs and temporary ATM PINs are valid for 16 hours, so request a new one through the official eWallet menu. (FNB)
For the exact steps, use the guide on eWallet ATM PIN code or FNB eWallet PIN expired.
The ATM or retailer will not pay out
Check that the withdrawal point supports FNB eWallet, that the PIN is still valid, that the cellphone number matches the eWallet SMS, and that the withdrawal amount is available. FNB lists FNB ATMs, AgencyPlus, and selected retailers as eWallet cash-out options. (FNB)
For broader cardless cash steps, use withdraw cash sent to my phone or cardless withdrawal USSD code.
The transaction was blocked or the limit was reduced
FNB says the system checks whether a Send Money transaction may be fraudulent and can block the transaction or reduce the limit. (FNB)
Do not try to bypass a fraud block by splitting payments, using another person’s phone, or sending money through an unfamiliar route. Use FNB’s official support channels.
Related Bank and Wallet Guides
| Need | Guide |
|---|---|
| Compare send-money codes across providers | send money USSD code South Africa |
| Retrieve a missing or expired voucher code | retrieve cash voucher USSD code |
| SMS with voucher or PIN did not arrive | cash voucher SMS not received |
| Withdraw money sent to a cellphone | withdraw cash sent to my phone |
| Compare cardless cash options | cardless withdrawal USSD code |
| Send cash without a banking app | send money without app South Africa |
| Fix an expired or failed FNB eWallet PIN | FNB eWallet PIN expired |
| Get or replace an eWallet ATM PIN | eWallet ATM PIN code |
FAQ
What is the FNB eWallet USSD code?
The FNB eWallet USSD code depends on the task. To send eWallet from FNB Cellphone Banking, dial *120*321# and choose Send Money > eWallet. To access eWallet, protect funds, or get cash, use *120*277#. (FNB)
What is the eWallet get cash USSD code?
For eWallet get-cash actions, use *120*277#, select Access eWallet, then select Get Cash. FNB says you can receive a one-time PIN or temporary PIN to withdraw at FNB ATMs, AgencyPlus, or selected retailers. (FNB)
What is the eWallet free USSD code if I have no airtime?
FNB lists *130*277# as the free dial string when you have no airtime. That route directs you to buy airtime first; after that, use *120*277# for the paid eWallet USSD session. (FNB)
Is FNB eWallet USSD code safe?
Yes, when you dial the correct code yourself and keep your PINs private. It becomes risky if you share your banking PIN, eWallet PIN, OTP, temporary ATM PIN, voucher code, or full card details with another person. FNB’s own eWallet guide says users should keep their eWallet PIN safe and never share it.
Can I reverse a send-money transaction?
A reversal may be possible, but it is not guaranteed. FNB says reversals can be initiated through the FNB App, *120*321#, call centre, or WhatsApp, and that you have up to 72 hours from when the funds were sent. Reversals may depend on whether the receiver has used the money and may be charged. (FNB)
Do eWallet withdrawal codes expire?
Yes. FNB says temporary OTPs and temporary ATM PINs are valid for 16 hours from the time they are sent. If the code expires, request a new one using the official FNB eWallet route. (FNB)
Are there fees or limits for FNB eWallet?
Yes. FNB lists limits by channel and publishes eWallet fees in its pricing guides. The current FNB eWallet page lists a maximum eWallet balance of R14 000 and channel send limits, while the 2026/2027 eWallet pricing guide lists fees for evolved and standard eWallet actions. Always check the current FNB pricing guide and the on-screen transaction prompt before confirming. (FNB)
What should I do if the receiver cannot withdraw?
Check the cellphone number, PIN expiry, available balance, and whether the ATM or retailer supports FNB eWallet. If the SMS or PIN did not arrive, use cash voucher SMS not received. If the PIN expired, use FNB eWallet PIN expired.