Last checked: 25 June 2026
Use this send money USSD code South Africa directory to find the right bank or task guide before you send cash, collect a voucher, resend a withdrawal code, compare fees, or get help after a wrong-number payment. The safest route is to start with your bank or provider, confirm the recipient’s cellphone number, check the amount, and stop if any menu, SMS, or caller asks for a PIN, OTP, banking password, or voucher code that should not be shared.
USSD menus can change, and send-money services have different limits, fees, expiry rules, reversal rules, and withdrawal options. Always confirm the live details with the provider before authorising a transaction.
Quick Send Money USSD Code Directory
| Need | Bank or service | USSD code or route | Go to |
|---|---|---|---|
| Send money from FNB to a cellphone | FNB eWallet | Dial *120*321#, enter your cellphone banking PIN, choose Send Money, then eWallet*120*277# and *120*321# for generating withdrawal PINs. (FNB) | FNB eWallet USSD code |
| Send cash from Capitec | Capitec Send Cash | Dial *120*3279#, reply 2, then reply 3, and follow the Send Cash prompts. (Capitec Bank) | Capitec Send Cash USSD code |
| Send Absa CashSend | Absa CashSend | Dial *120*2272#, enter your 5-digit PIN, select the CashSend route, and follow the prompts. (Absa) | Absa CashSend USSD code |
| Send Standard Bank Instant Money | Standard Bank Instant Money | Standard Bank lists Cellphone Banking on *120*2345# and Instant Money Wallet on *120*212#. (Standard Bank) | Standard Bank Instant Money USSD code |
| Send Nedbank cardless cash | Nedbank Send money | Dial *120*001#, log in, choose Send money, and follow the prompts. (Nedbank) | Nedbank cardless withdrawal USSD code |
| Withdraw cash sent to your phone | Bank or wallet service | Use the SMS, voucher number, withdrawal PIN, reference number, or secret code exactly as the provider instructs. | Withdraw cash sent to my phone |
| Retrieve or resend a cash voucher | Provider-specific | Use the official bank menu, app, support route, or branch route. Nedbank lists *120*001# and *120*002# for resending a voucher SMS in specific cases. (Nedbank) | Retrieve cash voucher USSD code |
| Sent cash to the wrong number | Provider-specific | Act quickly, check whether the voucher is unredeemed, and contact the official provider. | Sent cash to wrong number |
| Compare fees, limits and expiry rules | All providers | Check the latest provider pricing page before sending. | Cardless cash fees |
Send Money Codes by Bank
There is no single send money USSD code South Africa users can dial for every bank. Each provider has its own route, and the correct code depends on whether you are sending from a bank account, using a wallet, collecting a voucher, resending a voucher, or trying to reverse a transaction.
FNB eWallet USSD code
For FNB eWallet, the cellphone banking route is *120*321#. FNB’s current eWallet instructions say the sender should dial *120*321#, enter the cellphone banking PIN, select Send Money, select eWallet, choose the account to send from, enter the recipient’s cellphone number, name and surname, enter the amount, and confirm the amount and cellphone number. FNB also states that the sender must be registered for cellphone banking to send money this way. (FNB)
For withdrawal access, FNB says a PIN can be generated on the FNB App, WhatsApp, or by dialling *120*277# or *120*321#. FNB also lists *120*277*4# for getting a one-time PIN to use at selected retailers, and notes that temporary OTPs and ATM PINs are valid for 16 hours. (FNB)
Go to FNB eWallet USSD code if you need the full FNB eWallet send, withdraw, reverse, PIN, or voucher guide.
Capitec Send Cash USSD code
For Capitec Send Cash, dial *120*3279#. Capitec’s current Send Cash instructions say users should dial *120*3279#, reply 2, then reply 3, accept the terms and conditions, choose the sending account, enter the amount, create a 4-digit secret code, and enter the Mobile Banking PIN
Capitec also states that the reference number can be shared with the recipient, and that the recipient needs the secret code as well. Treat both details carefully. Send the collection details only to the intended recipient, and do not post them in a group chat or give them to someone claiming to “help” with collection.
Go to Capitec Send Cash USSD code for the full Capitec route, collection help, limits, expiry, and troubleshooting.
Absa CashSend USSD code
For Absa CashSend, dial *120*2272#. Absa’s published cellphone banking steps say the user dials *120*2272#, enters the 5-digit PIN, selects the CashSend route, enters the beneficiary’s cellphone number and name, chooses the account to debit, enters the amount, creates the 6-digit access PIN or code the beneficiary will use at an Absa ATM, and confirms the transaction. (Absa)
Absa’s page also lists different limits depending on the channel used, and states that CashSend transactions are available for 30 days. Because limits and fees may change, confirm the current Absa pricing and product rules before sending. (Absa)
Go to Absa CashSend USSD code if you need Absa-specific sending, collection, expiry, or access-code help.
Standard Bank Instant Money USSD code
Standard Bank lists Instant Money as available through multiple channels, including the Banking App, Cellphone Banking *120*2345#, Internet Banking, ATMs, participating retailers, and Instant Money Wallet *120*212#. Standard Bank says Instant Money Wallet can also be used to resend vouchers, reset PIN codes, and view voucher statuses. (Standard Bank)
Standard Bank states that voucher numbers have 10 digits and collection PINs have 4 digits, and that vouchers are valid for 3 years from the date issued. Standard Bank also lists participating ATM and retail withdrawal options, but availability can depend on the channel, retailer, cash availability, and provider rules. (Standard Bank)
Go to Standard Bank Instant Money USSD code for the full Standard Bank Instant Money and wallet guide.
Nedbank cardless withdrawal USSD code
For Nedbank cardless withdrawal and Send money, dial *120*001#. Nedbank’s current instructions say users can dial *120*001#, enter login credentials, choose Send money, and follow the prompts. Nedbank says the recipient receives an SMS containing the cash voucher PIN code. If the SMS is not received, Nedbank says the recipient can dial *120*001# for Cellphone Banking or *120*002# for MobiMoney to have the cash voucher resent. (Nedbank)
Nedbank’s FAQ explains that recipients receive a 10-digit voucher number and a 4-digit PIN, which can be used to withdraw money at a Nedbank ATM or participating retail store. (Nedbank)
Go to Nedbank cardless withdrawal USSD code for the full Nedbank guide.
Cardless Cash and Voucher Withdrawal Codes
Most bank send money USSD codes create a cardless cash voucher, wallet balance, reference number, or withdrawal PIN. The sender usually starts the transaction from cellphone banking, while the recipient collects the cash using the voucher details at an ATM or approved retailer.
The most common steps are:
- The sender dials the bank’s USSD code or opens the bank’s app.
- The sender chooses a send-money, eWallet, CashSend, Send Cash, Instant Money, or cardless withdrawal option.
- The sender enters the recipient’s cellphone number.
- The sender enters the amount.
- The sender creates or receives a secret code, access PIN, voucher number, reference number, or withdrawal PIN.
- The recipient gets an SMS or receives the required collection details from the sender.
- The recipient withdraws the cash at the correct ATM or retail partner.
The exact process depends on the bank. For example, Capitec Send Cash uses a reference number and 4-digit secret code, Absa CashSend uses a beneficiary access PIN or code, Standard Bank Instant Money uses a 10-digit voucher number and 4-digit PIN, and Nedbank cardless withdrawals use a 10-digit voucher number and 4-digit PIN. (Capitec Bank)
Use these guides if your task is about receiving or collecting money rather than sending it:
Withdraw cash sent to my phone
Retrieve cash voucher USSD code
Cardless withdrawal USSD code
How cardless cash works
Cardless cash limits
Cardless cash fees
Send money without app South Africa
Wrong Number, Reversal and Safety Help
If you sent cash to the wrong number, act quickly. Do not send another transaction to “correct” the first one. Do not give your bank PIN, OTP, password, card PIN, or app approval to anyone who contacts you. Do not trust a stranger who says they can reverse the transaction if you share a voucher number or access code.
Start with these checks:
| Problem | What to check | Safer next step |
|---|---|---|
| Wrong cellphone number | Was the voucher already redeemed? Is the number definitely wrong? | Contact the provider through the official app, branch, call centre, or USSD support route. |
| Recipient did not receive SMS | Was the number typed correctly? Is the recipient’s phone active and in signal? | Use the bank’s official resend, retrieve, or voucher-status route. |
| Voucher expired | Which provider issued it? What is the official expiry rule? | Check the provider’s official terms before assuming the money is lost or refundable. |
| ATM did not dispense cash | Did the ATM show an error? Was the amount reversed? | Keep the receipt or reference and contact the bank immediately. |
| Caller asks for OTP or PIN | Is someone pressuring you to approve, reverse, or “secure” money? | Stop. Hang up. Contact the bank using an official number or app route. |
FNB says eWallet reversals can be initiated through the FNB App, cellphone banking *120*321#, the call centre, or WhatsApp, and that a sender has up to 72 hours from when funds were sent to reverse an eWallet, with conditions and charges applying. (FNB) Standard Bank warns users never to share OTPs, PINs, or passwords, not to approve transactions they did not initiate, and not to move money because of instructions from a call, message, or email. (Standard Bank) SABRIC also advises bank customers to memorise PINs and passwords and never share them, not even with a bank official. (SABRIC)
For problem-specific help, use:
Sent cash to wrong number
Send money scams South Africa
Is cardless cash safe?
USSD code not working
All 2 send money USSD code pages
Every page in this section, listed A to Z.
Related Banking USSD Guides
| Related guide | Use it when |
|---|---|
| Banking USSD codes South Africa | You need the broader bank USSD directory, not only money-transfer codes. |
| FNB eWallet USSD code | You need to send, withdraw, reverse, or manage an FNB eWallet transaction. |
| Capitec Send Cash USSD code | You need Capitec Send Cash sending, collection, reference, or secret-code help. |
| Absa CashSend USSD code | You need Absa CashSend cellphone banking or ATM collection help. |
| Nedbank cardless withdrawal USSD code | You need Nedbank Send money, cardless withdrawal, voucher, or resend help. |
| Standard Bank Instant Money USSD code | You need Standard Bank Instant Money, wallet, voucher, or PIN help. |
| Send money without app South Africa | You want options for sending cash without mobile data or a banking app. |
| Withdraw cash sent to my phone | You received a voucher or SMS and need to collect the money. |
| Cardless cash fees | You want to compare eWallet fees vs CashSend fees or other cardless-cash costs. |
| Cardless cash limits | You need to check how much can be sent, received, or withdrawn. |
FAQs
What is the code for send money USSD code South Africa?
There is no single code for every bank. Common send-money routes include FNB eWallet on *120*321#, Capitec Send Cash on *120*3279#, Absa CashSend on *120*2272#, Standard Bank Cellphone Banking on *120*2345#, Standard Bank Instant Money Wallet on *120*212#, and Nedbank Cellphone Banking on *120*001#. Always confirm the current code, menu wording, fees, limits, and expiry rules with your provider before sending.
Does a send money USSD code need airtime or data?
USSD does not require mobile data or a smartphone app, but network charges may apply depending on the code, mobile network, and provider. Standard Bank’s cellphone banking page says users can dial *120*2345# to bank from any cellphone and notes that standard network rates apply when registering. (Standard Bank)
What should I check before using a cash send USSD code?
Check the bank name, USSD code, recipient cellphone number, amount, account to debit, voucher rules, expiry period, and withdrawal location. If the money is urgent, also check whether the recipient can reach the correct ATM or retail partner before the voucher expires.
Can send money by USSD be cancelled or reversed?
Sometimes, but it depends on the provider, whether the voucher has been redeemed, and how quickly you act. Do not assume a reversal is guaranteed. Use the official app, USSD route, branch, call centre, or fraud-support channel and keep transaction references, SMS messages, screenshots, and times.
What happens if a voucher or withdrawal code expires?
Expiry rules differ by provider. Absa states that CashSend transactions are available for 30 days, while Standard Bank says Instant Money vouchers are valid for 3 years from the date they are issued. (Absa) Check the provider’s current rules before assuming whether the money returns, remains available, or needs support intervention.
Are there fees or limits for send money USSD code South Africa?
Yes. Fees, daily limits, monthly limits, voucher expiry periods, and withdrawal options vary by provider and channel. Absa, Standard Bank, Capitec, FNB, and Nedbank each publish their own product rules, and some services have different limits for app, online, ATM, cellphone banking, or wallet use. Check the latest provider page before sending.
What should I do if the USSD code does not work?
Check that you used the correct code for your bank, dialled from the cellphone number registered for banking, entered the correct PIN, and have enough signal. If the menu times out or fails after you confirmed a transaction, do not keep retrying blindly. Check your bank balance, transaction history, SMS messages, and official support route first.
Where can I find related USSD codes?
Start with banking USSD codes South Africa for the wider bank directory, or go straight to the provider guide you need: FNB eWallet USSD code, Capitec Send Cash USSD code, Absa CashSend USSD code, Nedbank cardless withdrawal USSD code, or Standard Bank Instant Money USSD code.