Quick Answer
Last verified: July 2026
The official USSD code for Pep Account self-service in South Africa is *120*3012#. Dialing this string allows active Pep store account holders to check their available credit balance, view monthly installments due, and request a credit limit increase directly from their mobile phone. Standard network rates apply for *120* interactive USSD sessions.
If you are trying to access the +more Rewards loyalty menu instead, dial *130*7371#. For PAXI parcel tracking or general store services, USSD is not used; official WhatsApp or web channels must be accessed instead.
What the Service Is and Who Can Use It
The Pep account USSD service (*120*3012#) is an automated account-management tool provided for customer accounts administered by Tenacity Financial Services (a division of Pepkor). It is designed specifically for registered Pep store account cardholders in South Africa who need immediate access to basic financial account details without using internet data or visiting a store.
Eligibility and Requirements
- Active Account Holder: You must have an approved Pep Account card.
- Registered Cellphone Number: You must dial from the mobile number linked to your Pep account profile during store registration or account application.
- SIM & Airtime: Your SIM must have active network coverage and a minimal airtime balance to initiate a
*120*session.
Note: This USSD service does not process cash transfers, lay-by payments, or general parcel sending. For adjacent financial services or money transfers, refer to our guides on Payment USSD Codes or Send Money USSD Codes.
How to Access the Service
Before You Start
- Ensure your mobile phone has active cellular reception on a supported South African network (Vodacom, MTN, Telkom, or Cell C).
- Confirm you are using the primary SIM card registered with your Pep Account.
- Ensure you have a small airtime balance (at least R0.50 to R1.00), as
*120*strings charge per 20-second session. - Keep your 16-digit Pep Account card number and South African ID number nearby in case identity verification is prompted.
Verified Step-by-Step Process
- Open your mobile phone’s dialpad.
- Dial
*120*3012#and press the Call / Dial button. - Wait for the interactive menu to appear on screen.
- Select the corresponding menu option for your intended task:
- Option 1: Check Balance & Installment Due.
- Option 2: Apply for a Credit Limit Increase.
- Enter your South African ID number or Pep Account Card number if requested to authenticate.
- Follow the on-screen prompts to view or complete your request.
Confirmation or Expected Result
- On-Screen Display: When checking a balance, an immediate pop-up menu will display your total current credit limit, available credit to spend, and current installment due date/amount.
- SMS Confirmation: If you submit a request for a credit limit increase, an SMS update will follow confirming whether the adjustment was approved or requires additional income verification.
- Unsuccessful Sessions: If you are charged airtime but experience a session timeout before receiving your balance, wait 2–3 minutes and retry, or use the official WhatsApp channel.
Fees, Limits, Eligibility, and Processing Times
| Parameter | Specification | Details |
| USSD Session Fee | Network Rates Apply | Standard *120* pricing (approx. 20c per 20 seconds). |
| +more Loyalty Code | Free / Standard Rates | *130*7371# (typically free to dial). |
| Balance Display Time | Instant | Displayed on-screen within seconds. |
| Limit Increase Processing | Instant to 24 Hours | Automated review yields immediate response or SMS follow-up. |
| Operating Hours | 24/7 | Available continuously, subject to network availability. |
Common Problems and Troubleshooting
Code, Session, SIM, or Account Errors
- “Invalid MMI Code” or Connection Error: Usually caused by poor signal or temporary network congestion. Toggle Airplane Mode on and off, then retry dialing
*120*3012#. - “Result Not Found” / Unregistered Number: Occurs if you dial from a SIM card not linked to your Pep Account. Switch to the SIM card registered during your application.
- “Session Timed Out”: USSD sessions automatically terminate after 20–30 seconds of inactivity. Redial and respond to prompts promptly.
- Insufficient Airtime:
*120*codes require a positive airtime balance. If you have zero balance, use data to connect via WhatsApp or dial the zero-rated*130*strings where applicable.
When the Service Has Changed or Is Unavailable
If the USSD route is undergoing maintenance or fails repeatedly, switch to one of the verified digital or voice alternatives below.
Official Alternatives
When USSD is down or if you require additional self-service features, use these official channels:
- WhatsApp Support (PEP Account): Save 060 070 2320 as a contact and send “HI” to view balances, request statements, or manage credit limit increases.
- Voice Prompts / IVR: Call 0860 900 500, select the PEP Account Card option, and follow prompts with your card and ID number ready.
- PAXI Parcel Services: For parcel tracking, use WhatsApp at +27 21 010 1574 or visit paxi.co.za.
- In-Store Till Points: Visit any Pep, PEPhome, or PEPcell store with your South African ID to make account payments or balance inquiries.
For other retail, utility, or voucher management codes, consult our guides for Foneyam USSD Code, DStv USSD Code, Mukuru USSD Code, and Blu Voucher USSD Code.
Safety and Privacy
- Protect Sensitive Credentials: Pep will never ask for your card PIN, bank account password, or OTP via a USSD pop-up or unsolicited call.
- Verify Account Numbers: When paying your Pep account via online banking, always verify Tenacity Financial Services details (Standard Bank Current Account: 070336342) and use your 16-digit card number as reference.
- Report Suspicious Activity: If you suspect fraudulent activity on your Pep account, immediately contact customer support on 0860 900 500.
Frequently Asked Questions
What is the current Pep USSD code?
The official USSD code for managing a Pep Account is *120*3012#. For the +more Rewards program, dial *130*7371#.
What tasks are available in the Pep USSD menu?
By dialing *120*3012#, account holders can view their total credit balance, check installments due, and submit a request for a credit limit increase.
Which customers or account types can use the USSD code?
It is available to active Pep store account holders whose registered mobile phone numbers match the phone from which the USSD dial request is initiated.
What should I do if the Pep USSD route does not work?
If USSD fails, save 060 070 2320 on WhatsApp and send “HI”, or call the automated telephone line on 0860 900 500.