Fundi USSD Code

Quick Answer

The official USSD codes for Fundi (formerly Eduloan) in South Africa are *134*87646# (zero-rated/no airtime needed on supported networks) and *120*3385# (standard USSD rates apply).

By dialling this menu, FundiCard holders and student beneficiaries can check pocket balances, pay registered accommodation merchants, and request PIN reminders directly from a basic mobile handset without requiring mobile data.

• Primary USSD Code (Free/Zero-Rated): *134*87646#
• Secondary USSD Code (Airtime Required): *120*3385#
• Main Menu Options: Pay Merchant, Check Balances, PIN Reminders
• Last Verified: July 2026

What the Service Is and Who Can Use It

Fundi provides financial solutions, student loan administration, and allowance management across South Africa. The Fundi USSD menu is a dedicated low-tech interface created for students and bursary beneficiaries who hold an active FundiCard or student account managed by Fundi.

Who Can Use the USSD Menu?

• FundiCard Holders: Students whose allowances (book, food, accommodation, or cash pockets) are administered through Fundi.
• Registered Mobile Numbers: The service must be accessed using the mobile phone number registered to your official Fundi profile.

What the USSD Menu Allows You to Do:

• Check remaining balances across individual FundiCard pockets (e.g., food, books, accommodation).
• Pay approved accommodation merchants using a unique merchant code.
• Request a PIN reminder for your FundiCard.

Note: This menu is not designed for non-students, general loan applications, or updating bank details (which require the web portal or mobile app).

How to Access the Service

Before You Start

Ensure you have the following ready before dialling:

1. Registered SIM Card: Insert the SIM card linked to your registered Fundi student profile.
2. FundiCard Details: Keep your embossed card number and 4-digit card PIN handy.
3. Merchant Code: If paying accommodation, obtain the official 7-digit code provided by your housing merchant.
4. Airtime (if using secondary code): While *134*87646# is zero-rated, keep a minimal airtime balance if dialling *120*3385#.

Verified Step-by-Step Process

Option A: Checking Your Card Balance

1. Open the phone dialler on your mobile device.
2. Dial *134*87646# and press Call.
3. From the main menu, select Option 2 (Account/Balance enquiry).
4. Follow the prompts to view your active account details and pocket balances via on-screen display or SMS notification.

Option B: Paying an Accommodation Merchant

1. Dial *134*87646# (or *120*3385#) and press Call.
2. Select Option 1 (Pay Merchant) and press Send.
3. Enter the 7-digit merchant code supplied by your accommodation provider.
4. Enter the embossed card number printed on your FundiCard.
5. Enter your FundiCard PIN.
6. Type in the exact payment amount (e.g., 2200.00).
7. Review the details and enter 1 to confirm payment (or 2 to cancel).

Confirmation or Expected Result

• Successful Merchant Payment: You will receive an immediate on-screen message containing a payment reference number. Save or write down this reference number and send it to your landlord or accommodation manager as proof of payment.
• Balance Check: Your current allowance pocket balances will display on-screen or arrive via an automated SMS summary.

Important: If your allowance pocket shows a deduction but the merchant does not receive confirmation, do not make a second attempt immediately. Keep your SMS confirmation and contact Fundi support with your reference number.

Fees, Limits, Eligibility, and Processing Times

Common Problems and Troubleshooting

Code, Session, SIM, or Account Errors

• “Connection Problem or Invalid MMI Code”:
  • Cause: Network congestion or signal interruption.
  • Fix: Wait 60 seconds and retry. Ensure your phone has active signal bars.
• “User Not Registered / Number Unrecognised”:
  • Cause: You are dialling from a mobile number different from the one saved on your Fundi account profile.
  • Fix: Insert the correct SIM card or update your cell number via your institution’s financial aid office or Fundi portal.
• “Session Timed Out”:
  • Cause: Pausing too long while typing card numbers or merchant codes.
  • Fix: USSD sessions expire within 20–30 seconds. Gather your card and 7-digit merchant code before dialling.
• “Invalid Merchant Code”:
  • Cause: Incorrect 7-digit housing provider code.
  • Fix: Double-check the number directly with your accommodation provider.

When the Service Has Changed or Is Unavailable

During peak allowance disbursement dates, USSD channels may experience temporary network outages. If *134*87646#fails to respond, switch to the web-based alternative or official call centre.

Official Alternatives

When USSD is unavailable or when completing complex tasks (like uploading bank details or applying for loans), use these verified channels:

1. MyFundi Online Student Portal: Visit mycard.fundi.co.za to upload banking details, check transactions, or view statements.
2. Fundi Call Centre: Call 0860 44 33 44 or 0860 55 55 44 during business hours for direct balance enquiries or PIN assistance.
3. On-Campus Fundi Branch: Visit your nearest campus Fundi office with your original ID document for in-person support and card replacements.
4. Fundi Mobile App: Download the official Fundi app on Google Play, Apple App Store, or Huawei AppGallery to manage funding on the go.

For related education and allowance USSD guides, check:

• Government USSD Codes
• NSFAS USSD Code
• GEMS USSD Code
• GEPF USSD Code
• Capitec USSD Code
• USSD Codes South Africa

Safety and Privacy

protect your student allowances and financial data by adhering to basic safety rules:

• Protect Your PIN: Never share your 4-digit FundiCard PIN with anyone—including accommodation managers, store clerks, or callers claiming to be Fundi agents.
• Verify Merchant Codes: Only transfer funds to 7-digit codes given directly by recognized accommodation managers.
• Beware of Scams: Fundi will never ask for your card PIN or account credentials over social media or SMS.
• Lost or Stolen Cards: If your FundiCard is lost or stolen, block it immediately by calling the Fundi Call Centre (0860 44 33 44) or visiting a campus office to prevent unauthorized pocket spending.

Frequently Asked Questions

What is the current Fundi USSD Code?

The current zero-rated official code is *134*87646#. You can also access the service via *120*3385# if you have available airtime.

Which customers or account types can use the Fundi USSD menu?

Students and bursary beneficiaries who hold a valid, active FundiCard and dial from the cell phone number registered on their Fundi profile can use the menu.

What tasks are available in the Fundi USSD menu?

You can view your account details and card balances, pay registered accommodation merchants, and request a PIN reminder.

Can I upload my banking details using the USSD code?

No. Banking detail uploads for direct cash or transport allowance transfers must be done securely online via mycard.fundi.co.za or at a physical campus office.

What should I do if the Fundi USSD code does not work?

Verify that you are using the correct SIM card registered to your profile. If the menu remains unresponsive, use the official portal at mycard.fundi.co.za, call 0860 44 33 44, or visit your local campus Fundi office.