Last Verified: July 2026
Quick Answer
The official USSD code for sending money via the Shoprite Money Market Account in South Africa is *120*3534#. Dialing this code gives registered users access to transfer funds or send cash vouchers to any valid South African mobile number.
For cross-border international money transfers using Shoprite Send, dial *134*8787# to create a remittance order before paying at the counter or via debit card.
What the Service Is and Who Can Use It
The Shoprite Money Market USSD service (*120*3534#) allows registered customers to manage funds, buy airtime/electricity, pay in-store, and transfer cash or virtual vouchers directly from a basic feature phone or smartphone without using data.
Eligibility & Requirements
- Customer Identification: Open to South African citizens (using a South African ID number) and foreign nationals with valid passport details.
- Mobile Connection: Accessible from any major South African network provider (Vodacom, MTN, Telkom, Cell C, or k’nect mobile).
- Airtime Balance: USSD sessions require a small standard airtime balance (session fees apply according to your network, though k’nect mobile SIMs offer zero-rated USSD access).
How to Send Money
Before You Start
- Ensure your SIM card is registered in your name and linked to your Shoprite Money Market Account.
- Have the recipient’s exact 10-digit cellphone number ready.
- Ensure you have sufficient balance in your Cash Account or Voucher Account.
Verified Step-by-Step Process
- Dial the Code: Dial
*120*3534#on your mobile device. - Authenticate: Enter your 5-digit numeric PIN to log in.
- Select Transfer Option: Choose Send Money from the main menu.
- Choose Funding Source: Select either Cash Account or Voucher Account.
- Enter Recipient Details: Type the recipient’s 10-digit South African cellphone number.
- Enter Amount: Input the exact Rand amount you wish to transfer.
- Confirm: Review the summary screen and enter your PIN to authorize the transfer.
Confirmation or Expected Result
Once the transaction is successfully authorized, both you and the recipient will receive an automated SMS.
- Sender: Receives a confirmation message showing the amount debited, remaining account balance, and reference number.
- Recipient: Receives a notification stating that money/voucher funds have been sent to their mobile number, along with instructions on how to access or redeem the funds.
Fees, Limits, Eligibility, and Processing Times
| Feature | Details |
| USSD Session Fee | Standard operator network charges apply (Free on k’nect mobile) |
| Transfer Fee | Low-cost or fee-free depending on promotion; visible on menu prior to PIN confirmation |
| Daily Transaction Limits | Regulated under South African financial limits (typically R3,000–R5,000 daily depending on tier verification) |
| Processing Speed | Instant transfer to recipient’s Money Market balance |
| Collection Method | Funds can be spent in-store at Shoprite, Checkers, or Usave tills, or withdrawn as cash at till points |
Common Problems and Troubleshooting
Code, Session, SIM, or Account Errors
- “Session Timed Out”: USSD networks disconnect quickly if inactive. Redial
*120*3534#and re-enter details promptly. - “Insufficient Airtime”: Even if the money transfer fee is zero, your mobile operator requires a fraction of airtime (approx. R0.20 per 20 seconds) to maintain a USSD session. Top up airtime or use a k’nect mobile SIM.
- Invalid PIN Error: If you enter the incorrect 5-digit PIN multiple times, your account will temporarily lock for security.
When the Service Has Changed or Is Unavailable
If *120*3534# is unresponsive due to mobile network congestion or maintenance:
- Check Signal: Ensure you have network connectivity.
- Dual-SIM Phones: Ensure you are dialing from the SIM card registered to your Shoprite account.
- Incorrect Number Sent: If you send money to the wrong recipient number, contact customer support immediately. Reversals are only possible if the funds have not yet been cashed out or spent.
Official Alternatives
When USSD channels are congested or unavailable, use these verified official alternatives:
- WhatsApp Banking: Add 087 240 5709 (Shoprite) or 087 240 5385 (Checkers) to your contacts, message
"MMA", and follow the prompts. - Shoprite Mobile App: Download the official Shoprite or Checkers Money Market app for iOS or Android for data-free navigation on select networks.
- In-Store Counters: Visit any Money Market counter inside Shoprite, Checkers, or Usave stores nationwide with your ID and mobile device.
- Customer Support Desk: Call 0860 01 07 09 for official account resolution.
Safety and Privacy
⚠️ Security Warning: Shoprite employees or automated systems will never call or text asking for your 5-digit Money Market PIN, one-time PIN (OTP), or account passwords.
- Keep Credentials Private: Never disclose your 5-digit login PIN or voucher collection reference numbers to unverified individuals.
- Verify Recipient Number: Double-check the 10-digit mobile number before entering your PIN to approve the transfer.
- Fraud Reporting: If you suspect fraudulent activity or unauthorized transfers on your account, call the official Money Market support line at 0860 01 07 09 immediately to freeze your profile.
Frequently Asked Questions
What is the current Shoprite Send USSD Code?
For domestic Money Market Account transfers and vouchers in South Africa, dial *120*3534#. For Shoprite Send international cross-border transfers, dial *134*8787#.
What recipient details are needed?
You only need the recipient’s valid 10-digit South African cellphone number to transfer funds via the Money Market account.
What fees and limits apply?
USSD sessions incur standard network carrier charges unless using a k’nect SIM. Daily limits depend on FICA registration status (standard basic limits start at R3,000 per day).
How does the recipient collect the money?
The recipient receives an SMS notification. They can access funds by registering/logging into their own Money Market Account via *120*3534# or the Shoprite app to spend in-store or withdraw cash at any Shoprite, Checkers, or Usave till.
What should I do if the Shoprite USSD route does not work?
If USSD fails, switch to the official Shoprite WhatsApp channel (087 240 5709), open the Shoprite App, or visit a Money Market counter in-store.