You can send cash to any South African cellphone number from your bank’s USSD menu, even if the person you are paying has no bank account. They receive an SMS with a voucher or PIN and withdraw the cash at an ATM or retail till. The service name, fees and limits differ by bank, so pick yours below.
Directory updated: 13 September 2026. Each code below shows the date it was last verified on its own guide. USSDCode.co.za is an independent guide and is not affiliated with any bank, network, retailer, lender or government department listed here.
Quick Answer and Most-Used Codes
Start from your bank’s USSD code and choose the send-money option: Absa CashSend via
*120*2272#(last verified 25 June 2026), Capitec Send Cash via*120*3279#(25 June 2026) and FNB eWallet via*120*321#(25 June 2026). For a mobile wallet rather than a bank, MTN MoMo uses*120*151#(July 2026). With bank cash-send services the recipient gets an SMS with the withdrawal details.
| Service | Task | USSD code / status | Last verified | Detailed guide |
|---|---|---|---|---|
| Absa CashSend | Send cash to a cellphone | *120*2272# | 25 June 2026 | Absa CashSend |
| Capitec Send Cash | Send cash to a cellphone | *120*3279# | 25 June 2026 | Capitec Send Cash |
| FNB eWallet | Send money to a cellphone | *120*321# | 25 June 2026 | FNB eWallet |
| Standard Bank Instant Money | Send cash to a cellphone | Not yet verified | — | Instant Money |
| African Bank | Cash send | *120*225# | July 2026 | African Bank cash send |
| TymeBank | Send money | *120*543# | July 2026 | TymeBank send money |
| Nedbank | Send money / cardless cash | *120*001# | 25 June 2026 | Nedbank send money |
| MTN MoMo | Mobile wallet transfers | *120*151# | July 2026 | MTN MoMo |
| Mukuru | Cross-border remittance | Not yet verified | — | Mukuru |
| Mama Money | Cross-border remittance | Not yet verified | — | Mama Money |
| Shoprite Send | Cross-border remittance | *134*8787# | 13 September 2026 | Shoprite Send |
| Nedbank Send iMali | Send cash to a cellphone | *120*001# | 13 September 2026 | Send iMali |
| Capitec send money | Send Cash on USSD (R1,000 per day limit) | *120*3279# | 13 September 2026 | Capitec send money |
Browse by Provider or Service
Bank cash-send services
- Absa CashSend
- Capitec Send Cash
- FNB eWallet
- Standard Bank Instant Money
- Nedbank send money
- African Bank
- TymeBank
- Capitec send money
- Nedbank Send iMali
Wallets and remittance
Browse by Task
- Send money without an app
- Withdraw cash sent to your phone
- Retrieve a lost cash-send voucher
- Cardless withdrawal · fees · limits
- Sent cash to the wrong number
How to Use These USSD Codes
- Dial your bank’s code from your registered cellphone number and sign in with your remote PIN.
- Choose the send-money option (it may be called CashSend, eWallet, Instant Money or Send Cash).
- Enter the recipient’s cellphone number carefully, then the amount. Each service sets its own minimum, maximum and allowed amounts.
- Some banks ask you to create a secret code or access code for the recipient (Capitec and Absa both do). Share it separately from the SMS, for example in a phone call.
- Confirm. The recipient gets an SMS with instructions and withdraws at a supported ATM or till.
Fees are normally paid by the sender. Each service also has its own limits and a collection period; check what happens to uncollected money on your bank’s guide.
Codes to Verify Before Dialling
| Service | Status | Official alternative |
|---|---|---|
| Standard Bank Instant Money | Guide pending verification | Standard Bank app or the official Instant Money page |
| Mukuru, Mama Money | USSD availability not verified | The provider’s official app or website |
- Double-check the recipient’s number before confirming. Money sent to the wrong number may already have been withdrawn by the time you report it.
- Never share the withdrawal PIN in the same message as the voucher number.
- Be wary of “accidental payment” scams where a stranger asks you to send money back. Check your bank balance directly rather than trusting an SMS.
- No legitimate bank, network or government service will ask you to read out your PIN, OTP or password to another person.
Related USSD Guides
- Send money scams in South Africa
- Cash voucher SMS not received
- Banking USSD codes
- Mobile network USSD codes
- All USSD codes in South Africa
