TymeBank USSD Code to Send Money

Last verified: July 2026

Quick Answer

The official USSD code to send money using TymeBank (now operating as GoTyme Bank in South Africa) is *120*543#.

To send TymeBank money to a cell phone number without using data:

1. Dial *120*543# from the mobile number registered to your TymeBank account.
2. Enter your 4-digit PIN.
3. Select SendMoney, then enter the recipient’s South African cellphone number and the amount.

Out of airtime for a standard session? Dial *130*543# for essential top-up options first.

What the Service Is and Who Can Use It

TymeBank’s USSD SendMoney transfers money to another bank account, or creates a cash Send Money voucher sent by SMS to any South African cellphone number. The second route is what makes it useful: the person receiving it needs no bank account at all.

Prerequisites and Eligibility

• Account requirement: An active TymeBank / GoTyme Bank current account with a positive balance.
• Registered SIM: Dial the USSD code from the exact number linked to your profile.
• Network access: Works across South African mobile networks (Vodacom, MTN, Telkom, Cell C) with no internet or Wi-Fi.
• Recipient eligibility: Another TymeBank account holder, or anyone with a South African cellphone number that can receive an SMS.

How to Send TymeBank Money to a Cell Phone Number

Before You Start

• Check the account covers the transfer amount.
• Read the recipient’s mobile number carefully before you open the session, not during it.
• Keep your 4-digit USSD PIN to yourself.

Verified Step-by-Step Process

1. Dial the code: Open the keypad, dial *120*543#, press call.
2. Enter your PIN.
3. Select SendMoney from the menu.
4. Enter recipient details: The 10-digit South African cellphone number.
5. Enter the amount: Up to R5,000 per transaction.
6. Review the summary: Check the recipient’s number and the amount against what you intended.
7. Confirm: Press 1 to send.

Confirmation or Expected Result

A successful transaction returns an immediate on-screen notification.

• Sender: A confirmation SMS with the debited amount and a transaction reference.
• Recipient: If sent as a cash voucher, an SMS with the cash value and a 10-digit voucher PIN.
• Collection: Vouchers redeem at participating retail tills such as Pick n Pay and Boxer, or Flash merchant outlets.

Important Note: Send Money Vouchers are irreversible once confirmed. Check the phone number twice before the final prompt, because there is no undo.

Fees, Limits, Eligibility, and Processing Times

Common Problems and Troubleshooting

Code, Session, SIM, or Account Errors

• “Connection Problem or Invalid MMI Code”: On a dual-SIM phone, use the slot holding your registered TymeBank number.
• “Session Timed Out”: Sessions end on inactivity. Redial *120*543# and work through without pausing.
• “Insufficient Funds”: Check the balance before starting. Session charges can apply even when the transaction fails.

When the Service Has Changed or Is Unavailable

During downtime, congestion, or maintenance, do not retry immediately and repeatedly. That is how duplicate debits happen. Wait a few minutes, or switch to the app.

Official Alternatives

• TymeBank mobile app: The official app from Google Play, the Apple App Store, or Huawei AppGallery, with full transaction history and no session timeout pressure.
• Internet banking: The official TymeBank website, for payments and beneficiaries.
• TymeBank kiosks: Inside Pick n Pay and Boxer stores nationwide.
• Customer support: 0860 999 119, particularly if a transaction fails but the funds are debited.

Safety and Privacy

• Keep credentials private: Never share your 4-digit USSD PIN, account password, or an OTP with anyone, bank agents and store clerks included.
• Verify recipient details: Check cellphone numbers twice, because a voucher sent to the wrong number cannot be pulled back automatically.
• Beware of scams: TymeBank will never call or SMS asking you to dial a USSD code to “reverse” or “verify” a payment. That request is always fraud.
• Account blocking: Suspect fraud, or lose the phone? Contact customer service immediately to freeze the profile.

Frequently Asked Questions

What is the TymeBank USSD code to send money?

*120*543#. It opens the cellphone banking menu, where you choose SendMoney.

How long does it take for TymeBank money to reflect?

For a cash voucher, immediately. The SMS carrying the voucher number goes out as soon as you confirm, and the recipient can collect at a till from that moment. The voucher then stays valid for 7 days.

A transfer to an account at a different bank is a separate matter, because the receiving bank controls when it posts. This guide covers the USSD route only and does not set that timing, so check with the receiving bank if a transfer has not appeared. If money left your account and nothing arrived, call 0860 999 119 rather than sending again.

What recipient details are needed?

Only their 10-digit South African cellphone number. They need no TymeBank account to collect cash at a participating retailer.

What fees and limits apply?

Issuing a voucher is free, beyond the standard session rate of around 20c per 20 seconds. An R10 cash-out fee comes off when the recipient collects. The maximum is R5,000 per transaction.

How does the recipient collect the money?

They take the 10-digit voucher number from the SMS, plus their cellphone, to any Pick n Pay, Boxer, or Flash merchant till point.

What should I do if the TymeBank USSD route does not work?

Check your signal and that you are on the SIM linked to the account. If it persists, use the app or a kiosk at Pick n Pay or Boxer.

Related Guides

• Banking USSD Codes: the South African cellphone banking directory.
• TymeBank USSD Code To Check Balance: checking your balance over USSD.
• TymeBank Cellphone Banking USSD Code: every feature on the menu.
• TymeBank USSD Code: the main overview and shortcut list.
• TymeBank USSD Code To Buy Voucher: retail and prepaid vouchers.
• Send Money USSD Codes: comparing cash transfer codes across SA banks.