Last checked: 25 June 2026
Quick Answer and Code/Menu Path
There is no single retrieve cash voucher USSD code that works for every South African bank or wallet. The right code depends on which service created the voucher, such as Nedbank cash voucher, Standard Bank Instant Money, FNB eWallet, Capitec Send Cash, or Absa CashSend.
Use the issuing bank’s official USSD code, app, internet banking, ATM, or wallet menu. Do not use a random “resend cash voucher USSD code” from WhatsApp, social media, or an unverified website.
| Provider | Code or menu to check | What it can help with |
|---|---|---|
| Nedbank cash voucher | *120*001# for Cellphone Banking or *120*002# for MobiMoney | Nedbank says recipients can use these routes to have a cash voucher resent if no SMS was received. (Nedbank) |
| Standard Bank Instant Money | *120*212# | Standard Bank says this wallet route can be used to resend vouchers, reset PIN codes, and view voucher statuses. (Standard Bank) |
| FNB eWallet | *120*277# | FNB’s eWallet guide says users can select “Get Cash” to receive an ATM PIN, and can request another one if the temporary ATM PIN expires. |
| Capitec Send Cash | *120*3279# for Mobile Banking send-cash functions | Capitec lists USSD sending steps and says the sender can view Send Cash history and update the secret code for unredeemed vouchers through internet banking. (Capitec Bank) |
| Absa CashSend | *120*2272# for Cellphone Banking send-cash functions | Absa says CashSend collection uses a 10-digit reference or withdrawal number and a 6-digit PIN or access code. (Absa) |
The quickest safe route is to identify the provider first, then use that provider’s official menu. If the problem is a missing SMS, start with the bank that sent the voucher. If the problem is an expired voucher, blocked PIN, wrong number, or failed withdrawal, do not keep retrying blindly. Check the transaction status and use the provider’s official support route.
For a broader comparison of bank send-money menus, see send money USSD code South Africa.
How to Send Money or Withdraw Cash
A cash voucher normally has two parts: the sender creates the voucher, and the receiver collects the cash. The retrieval step depends on whether the receiver lost the SMS, lost the PIN, entered the wrong details, waited too long, or tried to withdraw at the wrong ATM or retailer.
If you are the sender, first check whether the money has left your account. Open your app, internet banking, cellphone banking, or transaction history and look for the send-money record. Do not send a second voucher until you know whether the first one is still active, already redeemed, cancelled, or expired.
If you are the receiver, check that the voucher came from the correct bank and that the cellphone number used by the sender is correct. Also check network signal, SMS delivery, SIM status, and whether the voucher details were deleted or blocked by the phone.
For Nedbank, the recipient receives an SMS with a cash voucher PIN code. If no SMS arrives, Nedbank says the recipient can dial *120*001# for Cellphone Banking or *120*002# for MobiMoney to have the voucher resent. Nedbank also notes that screen options may differ depending on the customer profile. (Nedbank)
For Standard Bank Instant Money, use *120*212# to access the Instant Money Wallet. Standard Bank says this route can be used to resend vouchers, reset PIN codes, and view voucher statuses. The same official page says the wallet uses a unique Wallet PIN and can be accessed through Cellphone Banking or the Instant Money app. (Standard Bank)
For FNB eWallet, the receiver can dial *120*277# and select “Get Cash” to receive an SMS with an ATM PIN. FNB’s guide says that if a temporary ATM PIN expires, another one can be requested by dialling *120*277# and selecting “Get Cash”.
For Capitec Send Cash, the receiver needs the reference number and the 4-digit secret code. Capitec says the sender can share the reference number from the successful Send Cash screen and should send the secret code separately. Capitec also says the sender can view Send Cash history and update the secret code for unredeemed vouchers through internet banking. (Capitec Bank)
For Absa CashSend, the receiver can withdraw at an Absa ATM by selecting CashSend Withdrawal, entering the 10-digit reference or withdrawal number, and entering the 6-digit PIN from the sender. Absa also lists Pick n Pay and Boxer as CashSend collection options where the receiver presents the withdrawal details at the till point. (Absa)
Fees, Limits, Expiry, and Reversal Notes
Fees, limits, expiry periods, and reversal rules can change. Always check the live banking screen, current fee guide, or official provider page before sending, resending, cancelling, or relying on an expiry date.
Standard Bank says Instant Money Wallet users can store vouchers up to R25,000 a month and send up to R10,000 a day from the wallet. (Standard Bank)
Capitec lists Send Cash fees by amount band and says collecting the cash is free at named retail partners and Capitec ATMs. Capitec also lists USSD Send Cash limits on the official Send Cash page, including a per-transaction and daily limit for the USSD route. (Capitec Bank)
Absa says CashSend transactions are available for 30 days only. On Absa’s official CashSend page, limits differ by channel: online banking and app limits are higher than the Cellphone Banking CashSend limit shown for *120*2272#. (Absa)
A reversal is not automatic. If the voucher has already been redeemed, the bank may not be able to recover the money. If the voucher is still unredeemed, the sender may have cancellation, reset, or management options depending on the bank and channel. Absa ChatWallet, for example, includes options to manage unredeemed CashSends, change the access code, cancel the withdrawal, or resend the withdrawal SMS. (Absa)
For expired-voucher issues, use cash voucher expired. For missing SMS issues, use cash voucher SMS not received.
Safety Checks Before You Confirm
Before using a retrieve cash voucher USSD code, confirm the provider first. A Nedbank voucher, Standard Bank Instant Money voucher, FNB eWallet PIN, Capitec Send Cash reference, and Absa CashSend withdrawal number do not all use the same retrieval process.
Never give another person your banking PIN, app PIN, card PIN, online banking password, OTP, full card number, or login details. A voucher receiver may need a withdrawal PIN, access code, reference number, or secret code to collect cash, but that is different from your private banking login details.
Check the cellphone number before sending money. Wrong-number payments are difficult to fix once the voucher is redeemed. If you sent money to the wrong number, stop sending new voucher details, keep your transaction proof, and contact the issuing bank through its official route.
Do not respond to pressure messages saying your voucher will be “blocked”, “released”, “upgraded”, or “verified” only if you share a PIN or OTP. A scammer may already know part of the transaction and use that detail to sound convincing.
If a USSD menu looks different from what you expected, exit the session and start again from the official bank code. Do not continue if the screen asks for unusual details, especially a full card number, OTP, banking password, or someone else’s account information.
Check network/account status
A failed USSD session does not always mean the voucher failed. It may be a signal problem, session timeout, dual-SIM issue, inactive SIM, or insufficient airtime where airtime is required. FNB’s guide, for example, separates the airtime top-up code *130*277# from the eWallet “Get Cash” code *120*277#.
Retry safely
Retry once in a stable signal area. Do not create multiple new vouchers while troubleshooting. If the first voucher is still active, a second attempt may send more money than intended.
Escalation route
Escalate when the money has left the sender’s account but the receiver cannot withdraw. Keep the transaction reference, receiver cellphone number, amount, date, time, ATM or retailer name, and any error message.
Official support route
Use the bank’s official app, website, branch, ATM help option, or verified contact centre. Do not phone a “support number” sent by a stranger or posted in a comment thread.
Related Bank and Wallet Guides
Use send money USSD code South Africa for a broader bank-by-bank overview.
Use FNB eWallet USSD code if the money was sent through FNB eWallet or the receiver needs to generate a cash withdrawal PIN.
Use Nedbank send money USSD code if the voucher came from Nedbank or MobiMoney.
Use Standard Bank Instant Money USSD code if the voucher is a Standard Bank Instant Money voucher.
Use cash voucher SMS not received if the receiver never received the voucher message.
Use cash voucher expired if the withdrawal code or voucher is no longer accepted.
FAQs
Is retrieve cash voucher USSD code safe?
It is safe when you use the official code or menu for the bank that issued the voucher. It is not safe to trust a generic code from an unknown website, WhatsApp message, or social media post. Always confirm the provider and never share your banking PIN, OTP, password, or full card details.
What should users check before using retrieve cash voucher USSD code?
Check which bank sent the voucher, whether the receiver’s cellphone number is correct, whether the voucher SMS was received, whether the voucher is still valid, and whether the cash has already been withdrawn. If the issue is a missing SMS, use cash voucher SMS not received.
Can retrieve cash voucher USSD code be cancelled or reversed?
It depends on the provider and whether the voucher is still unredeemed. Some banks offer management options for unredeemed vouchers, but a refund or reversal should never be promised unless the provider confirms it. Keep proof of payment and contact the issuing bank immediately.
What happens if a voucher or withdrawal code expires?
The result depends on the provider. Some services allow a new ATM PIN to be generated, some require the sender to resend or reset details, and some make the voucher available only for a fixed period. FNB says an expired temporary ATM PIN can be requested again through *120*277# by selecting “Get Cash”, while Absa states that CashSend transactions are available for 30 days only. (Absa)
Are there fees or limits for retrieve cash voucher USSD code?
There may be fees, transaction limits, monthly limits, wallet limits, or channel-specific limits. Capitec, Standard Bank, and Absa publish limit or fee information on their official pages, but users should still confirm the current amount on the live banking screen before sending money. (Standard Bank) (Capitec Bank) (Absa)
What should users do if retrieve cash voucher USSD code is not working?
Check that you are using the correct provider code, the correct SIM, and a stable network connection. Restart the session, avoid duplicate transactions, then use the bank’s app, internet banking, branch, or official support route if the problem continues.
What should I do if the receiver cannot withdraw?
Ask the receiver to stop retrying after repeated failed attempts. Confirm the reference number, PIN, secret code, collection point, and voucher status. If the money has left the sender’s account and the receiver still cannot withdraw, escalate through the issuing bank with the transaction reference and error details.