Quick Answer
Last verified: March 2026
The official RCS USSD Code to check your available credit and account balance in South Africa is *120*727*19-digit-card-number#. Replace “19-digit-card-number” with your actual 19-digit RCS Store Card number.
Dialing this code costs 20c per enquiry and instantly returns your account balance and credit availability via standard mobile network USSD. If you hold an RCS-managed store card for a partner retail store (such as Edgars), you can also use dedicated partner menus like *120*20080#.
If USSD is unavailable due to network timeouts or account blocks, you can manage your account via the official RCS App, the online RCS Self-Service portal (rcs.co.za), or by calling RCS Customer Service at 0861 729 727.
What the Service Is and Who Can Use It
The RCS USSD service is a fast, low-data mobile lookup feature provided by RCS Group (a registered Credit and Financial Services Provider in South Africa). It allows active account holders to quickly query their credit status from any mobile phone.
Eligible Users
- Active RCS Cardholders: Anyone holding a valid 19-digit RCS Store Card or co-branded retail card managed by RCS Group.
- Registered Mobile Numbers: Customers using the primary mobile number linked to their RCS account profile during application or detail updates.
- All Network Subscribers: Supported on Vodacom, MTN, Telkom, and Cell C SIM cards across South Africa.
Service Scope
- Supported Tasks: Checking available credit, viewing balance, and verifying account standing.
- Exclusions: You cannot process cash transfers, change your registered phone number, or make card payments directly inside the USSD session. Card payments must be completed via EFT, debit order, store counters, or the official web/app portal.
How to Access the Service
Before You Start
- Ensure your mobile phone has at least R0.20 to R0.50 active airtime (USSD sessions do not run on free data bundles).
- Have your physical or digital 19-digit RCS card number ready.
- Use the phone equipped with the SIM card registered on your RCS profile.
Verified Step-by-Step Process
- Open Phone Dialer: Access the phone keypad on your mobile device.
- Enter the Code: Type
*120*727*followed by your 19-digit card number and end with#(e.g.,*120*727*6007000000000000000#). - Press Call/Dial: Send the request.
- View Response: Wait a few seconds for the network to display your current available credit and balance on-screen.
Confirmation or Expected Result
When successfully processed, your screen displays an instant text popup showing:
- Your total account balance
- Your remaining available credit line
- Account status or minimum payment due details (if applicable)
What to do if charged without a result:
If your airtime balance drops by 20c but the session times out with “Network Error” or “Connection Failed”, wait 5 minutes before retrying. If the issue persists, verify your card number length or check your balance via the web portal at no cost.
Fees, Limits, Eligibility, and Processing Times
| Feature | Details / Official Guideline |
| Session Cost | R0.20 (20 cents) per enquiry deducted from airtime |
| Free Usage | USSD is not free; requires active airtime balance |
| Processing Speed | Instant (real-time query) |
| Daily Limits | No strict limit, but standard airtime session charges apply per attempt |
| Supported Card Types | Standard RCS Store Cards and partner network store cards |
Common Problems and Troubleshooting
Code, Session, SIM, or Account Errors
- “Invalid MMI Code” or “Connection Problem”: You may have typed an incorrect string or forgotten the trailing
#. Double-check the 19 digits of your card number. - “Result Code Exceeded / Session Timeout”: Low network coverage or network congestion. Move to an area with better cell reception and dial again.
- “User Unauthorised” or “Account Not Found”: Ensure you are dialing from the SIM registered to your RCS profile. If you recently changed phone numbers, call RCS support to update your profile details.
- Insufficient Airtime: USSD string
*120*codes incur standard premium VAS rates (~20c). If you only have active data and no cash airtime balance, the command will fail.
When the Service Has Changed or Is Unavailable
RCS occasionally performs system maintenance or adjustments to standard telecommunication gateways. If the *120*727* shortcode does not respond, switch immediately to an official digital or phone-based channel.
Official Alternatives
When USSD is down, or if you need to perform actions beyond simple balance checks (like paying your bill or downloading statements), use these official options:
- RCS Mobile App: Download from the Google Play Store, Apple App Store, or Huawei AppGallery. Allows balance tracking, airtime/electricity purchases, and instant payment management.
- Online Self-Service Portal: Visit rcs.co.za and click Self Service to register or log in.
- Customer Support Call Centre: Call 0861 729 727 (0861 SAY RCS) and follow the automated IVR voice prompts to check your balance.
- In-Store Balance Checks: Visit participating retail stores (such as Game, Makro, Pick n Pay, or Foschini group stores) and ask the cashier to assist with an account lookup.
Safety and Privacy
Important Security Warning:
RCS will never ask you to enter your Online Banking PIN, Card CVV, or One-Time Passwords (OTP) into a USSD menu or share them over the phone.
- Verify the String: Only dial the official prefix
*120*727*. Do not enter your details into random 3rd-party shortcodes or unverified USSD menus. - Keep Credentials Private: Never share your card number, OTPs, or password with unverified callers claiming to be RCS agents.
- Report Lost/Stolen Cards Immediately: If your card or phone is lost or stolen, call 0861 729 727 right away to block your account.
Frequently Asked Questions
What is the current RCS USSD Code?
The verified RCS USSD balance inquiry code is *120*727*19-digit-card-number#.
Which customers or account types can use it?
Any active holder of an RCS Store Card or co-branded RCS retail card with a valid 19-digit card number can use the lookup service.
What tasks are available in the menu?
The USSD service is primarily designed for quick credit queries, returning your current account balance and total available credit line.
Is dialing the RCS USSD Code free?
No. Dialing *120* series shortcodes costs standard network rates, which are approximately 20 cents per enquiry on South African networks.
What should I do if the RCS USSD route does not work?
If USSD fails, check your balance for free using the RCS App, the web portal at rcs.co.za, or by dialing the official call centre at 0861 729 727.