Last checked: 26 June 2026
The Instant Money Wallet USSD code is *120*212#. This is the Standard Bank wallet USSD option for registering for an Instant Money Wallet, managing vouchers, resending voucher SMSs, resetting voucher PINs, and checking voucher status. Standard Bank also lists *120*2345# as its Cellphone Banking code for Standard Bank account holders who want to send Instant Money from their bank account.
Quick Answer and Code/Menu Path
| What you need to do | Code or route to check | Notes |
|---|---|---|
| Open or register for Instant Money Wallet | *120*212# | Use this for the Instant Money Wallet itself. |
| Send money from the Instant Money Wallet | *120*212# → Send money | Use when sending from the wallet balance or creating a voucher. |
| Send Instant Money from Standard Bank Cellphone Banking | *120*2345# | Standard Bank lists this as the Cellphone Banking code for account-based banking. |
| Resend voucher SMS, reset PIN, or view voucher status | *120*212# | Standard Bank’s 2026 pricing guide says these wallet self-service options are available on USSD. |
| Recharge when out of airtime or data | *130*2345# | Standard Bank lists this for cellphone top-ups. |
Use *120*212# when your task is specifically about the Standard Bank wallet USSD service. Use *120*2345# when you are using Standard Bank Cellphone Banking from a Standard Bank account.
Before confirming anything, check the amount, receiver’s cellphone number, voucher details, and any fee shown on-screen. Do not continue if the menu looks different from what you expected or if someone is pressuring you to send money urgently.
How to Register for Instant Money Wallet
To register for Instant Money Wallet by USSD:
- Dial *120*212#.
- Enter your South African ID number.
- Verify your surname, second name, and first name when prompted.
- Create and confirm your 5-digit wallet PIN.
- Wait for the confirmation message that your registration was successful.
Standard Bank says the Instant Money Wallet can be used to redeem, store, and manage vouchers, and it can also be used for value-added services such as airtime and data purchases. (Standard Bank)
Keep your wallet PIN private. It is not the same as a voucher collection PIN. Your wallet PIN protects access to your wallet, while the voucher collection PIN is used by the intended receiver to collect a specific voucher.
How to Send Money or Withdraw Cash
To send money from the Instant Money Wallet:
- Dial *120*212#.
- Sign in with your wallet PIN.
- Choose Send money.
- Enter the amount.
- Enter the recipient’s cellphone number.
- Create the 4-digit voucher PIN for collection.
- Confirm only after checking the details carefully.
Standard Bank says the receiver gets an SMS with the 10-digit voucher number, while the sender must securely give the 4-digit collection PIN to the receiver. (Standard Bank)
The receiver can collect Instant Money at a Standard Bank ATM, through the Instant Money Wallet, or at participating retailers. Standard Bank lists redemption options including Standard Bank ATMs and retailers such as PEP, SPAR, Checkers, Boxer, Pick n Pay, Shoprite, Usave, OK Furniture, House & Home, OTT, and others. (Standard Bank)
To withdraw, the receiver usually needs the voucher number and the correct collection PIN. Standard Bank says the withdrawal flow is to visit a Standard Bank ATM or participating retailer, choose the Instant Money or withdrawal option, enter the 10-digit voucher number, enter the 4-digit PIN, and collect the cash. (Standard Bank)
Check Network or Account Status
If the Instant Money Wallet USSD code is not opening, first check that you are using the correct code for the task:
Use *120*212# for Instant Money Wallet.
Use *120*2345# for Standard Bank Cellphone Banking.
Use *130*2345# for the Standard Bank top-up route listed for users who are out of airtime or data. (Standard Bank)
If a USSD session times out, do not repeatedly confirm the same transaction. Exit the session, wait a few minutes, and check whether you received a confirmation SMS or whether the balance changed before trying again.
Retry Safely
Retry only when you are sure the first attempt did not go through. If you saw a confirmation screen, received an SMS, or the money left your wallet or bank account, treat the transaction as active until Standard Bank confirms otherwise.
Keep these details before contacting support:
| Detail | Why it helps |
|---|---|
| Date and time | Helps trace the USSD session or voucher. |
| Amount | Helps match the transaction. |
| Receiver’s cellphone number | Helps check wrong-number or failed-SMS issues. |
| Voucher number, if received | Helps support identify the voucher. |
| Error message | Helps separate a network problem from a transaction problem. |
| ATM or retailer location | Useful if cash was not dispensed or redemption failed. |
Do not send your banking PIN, wallet PIN, OTP, password, full card number, or voucher details to someone who claims they can “fix” the transaction. Standard Bank’s Cellphone Banking security tips warn users not to respond to SMSs, MMSs, or calls requesting personal information, and its pricing guide says Standard Bank will never ask users to capture Internet Banking details through links sent to them. (Standard Bank)
Fees, Limits, Expiry, and Reversal Notes
Standard Bank’s 2026 Instant Money pricing guide says Instant Money Wallet is available on USSD *120*212#, Android, iOS, and Huawei. It also lists wallet-to-wallet transfers, payments into a Standard Bank account, voucher creation, and wallet loading options.
The 2026 pricing guide lists the following Instant Money Wallet fees: voucher creation costs R10 for values from R50 to R499, R20 for R500 to R999, and R30 for R1 000 to R5 000. It also lists R1 for prepaid airtime or data purchases and R2 for payments to an account. Standard Bank says these fees are effective from 1 January 2026 and that users should consult the latest pricing guide for the most recent updates.
Standard Bank’s wallet terms say the total wallet transaction limit is R10 000 per day and R25 000 per month. They also say the maximum amount that may be sent to receivers through vouchers is R5 000 per day or R25 000 per month, and that a receiver can collect a maximum of R5 000 per day in vouchers.
Instant Money vouchers are valid for 3 years from the date they are issued, and Standard Bank says the PIN does not expire while the voucher is active. Standard Bank also says the voucher number has 10 digits and the collection PIN has 4 digits. (Standard Bank)
For cancellations, Standard Bank says you can cancel a voucher through the same channel used to send it. For digital channels, this is done under Manage vouchers in the app, Online Banking, or Cellphone Banking. The initial sending fee is not refunded, and only vouchers with the full value remaining can be cancelled. (Standard Bank)
Escalation Route
Contact Standard Bank or Instant Money support if:
The receiver did not get the voucher SMS.
The receiver has the voucher number but cannot withdraw.
The ATM did not dispense cash.
The voucher or PIN is blocked.
You entered the wrong receiver number.
Your cellphone was lost or stolen.
Standard Bank lists the Instant Money call centre as 0860 466 639 and the dedicated Instant Money email as [email protected]. Its Instant Money support page also says users should contact the call centre immediately if an ATM fails to dispense cash or if a retailer cannot assist with redemption.
Official Support Route
Use official Standard Bank channels only. Do not trust a WhatsApp number, social media inbox, or caller who asks for your wallet PIN, banking PIN, OTP, banking password, or full card number.
For Instant Money enquiries, use the Instant Money call centre: 0860 466 639. For Standard Bank Cellphone Banking support, Standard Bank lists Personal Banking support as 0860 123 000. For fraud reporting, Standard Bank lists 0800 222 050 in South Africa.
Safety Checks Before You Confirm
Before using the Instant Money Wallet USSD code, check:
The code is *120*212#.
The amount is correct.
The receiver’s cellphone number is correct.
The fee shown on-screen is acceptable.
The voucher PIN is not easy to guess.
The person receiving the money is the person you intended to pay.
No one is rushing you, threatening you, or telling you to ignore warnings.
You have not shared your wallet PIN, banking PIN, OTP, password, or full card number.
Be careful with “proof of payment,” “refund,” “delivery fee,” “job application,” “family emergency,” “cash voucher buyer,” and “urgent release fee” stories. Cardless-cash scams often work by pressuring you to create a voucher quickly before you can verify the request.
Related Bank and Wallet Guides
For the broader Standard Bank send-money flow, use Standard Bank Instant Money USSD code.
If the banking menu fails, times out, or gives an error, use Standard Bank USSD not working.
For a wider comparison of bank and mobile-money options, use send money USSD code South Africa.
FAQs
What should users check before using Instant Money Wallet USSD code?
Check that you are dialling *120*212#, that the receiver’s cellphone number is correct, that the amount is correct, and that you understand the fee shown before confirming. Do not continue if the menu looks suspicious or if someone asks for your wallet PIN, banking PIN, OTP, or password.
Can Instant Money Wallet USSD code be cancelled or reversed?
A voucher may be cancelled only if it has not been collected and still has the full value remaining. Standard Bank says digital-channel vouchers can be cancelled through Manage vouchers in the app, Online Banking, or Cellphone Banking, but the original sending fee is not refunded. (Standard Bank)
What happens if a voucher or withdrawal code expires?
Standard Bank says Instant Money vouchers are valid for 3 years from the date they are issued, and that the PIN does not expire while the voucher is active. If you are unsure whether an old voucher is still usable, check through the wallet menu or contact Instant Money support before trying repeatedly. (Standard Bank)
Are there fees or limits for Instant Money Wallet USSD code?
Yes. Standard Bank’s 2026 pricing guide lists wallet voucher creation fees of R10, R20, or R30 depending on the voucher value, plus fees such as R1 for prepaid airtime or data purchases and R2 for payments to an account. The wallet terms list a total wallet transaction limit of R10 000 per day and R25 000 per month, with voucher sending limited to R5 000 per day or R25 000 per month.
What should users do if Instant Money Wallet USSD code is not working?
Check that you are using the correct code, wait if the session times out, and avoid confirming the same payment more than once. If the voucher SMS was not received, Standard Bank says you can use *120*212# and select the self-help option to resend the voucher SMS, or call the Instant Money contact centre on 0860 466 639. (Standard Bank)
What should I do if the receiver cannot withdraw?
Ask the receiver to check that they entered the correct 10-digit voucher number and 4-digit collection PIN. They should also try a supported Standard Bank ATM or participating retailer. If an ATM did not dispense cash or a retailer cannot assist, contact the Instant Money call centre on 0860 466 639. (Standard Bank)