Last checked: 25 June 2026
The Standard Bank Instant Money USSD code you use depends on what you want to do. For Standard Bank Cellphone Banking, dial *120*2345#; Standard Bank lists “Send Instant Money” as one of the available cellphone banking features. For Instant Money Wallet and voucher management, dial *120*212#; Standard Bank says this route can be used to resend vouchers, reset PINs and view voucher status. (Standard Bank)
Quick Answer and Code/Menu Path
| What you need to do | Code or route | What to check before confirming |
|---|---|---|
| Send Instant Money from Standard Bank Cellphone Banking | Dial *120*2345# | Check the recipient cellphone number, amount, fee and collection PIN before confirming. |
| Use Instant Money Wallet | Dial *120*212# | Use the wallet menu to manage vouchers, resend voucher SMSs, reset PINs or send from wallet. |
| Resend a voucher SMS | Dial *120*212# and use the resend voucher option | Confirm the voucher is still active and that the recipient number is correct. |
| Reset a voucher PIN | Use the sending channel or Instant Money support route | Reset only before the voucher is used. Do not share the new PIN publicly. |
| Withdraw Instant Money | Use the voucher number and collection PIN at an approved withdrawal point | The receiver needs the 10-digit voucher number and 4-digit collection PIN. |
Standard Bank says Instant Money can be sent through channels such as the Banking App, ATM, Online Banking, Cellphone Banking and retail partners. It can be redeemed through an Instant Money Wallet, Standard Bank ATMs and participating retailers. (Standard Bank)
The important point is that there is not just one menu for every Instant Money task. Use *120*2345# when you are banking through Standard Bank Cellphone Banking, and use *120*212# when the task is specifically about Instant Money Wallet, voucher status, resending a voucher or resetting a voucher PIN. (Standard Bank)
How to Send Money or Withdraw Cash
Requirements
To send Standard Bank Instant Money safely, you need the correct recipient cellphone number, the amount you want to send, enough funds for the transaction and fee, and a collection PIN for the receiver. Standard Bank’s Instant Money terms say the sender must make sure the information provided is correct, and that the bank or participating merchant will not be responsible for losses caused by wrong information.
The release PIN is separate from your banking PIN. Standard Bank says the voucher is sent to the receiver, while the sender must give the release PIN to the receiver. If the release PIN is given to someone who is not the receiver, that person could withdraw the money.
Sending from Standard Bank Cellphone Banking
To start from Standard Bank Cellphone Banking:
- Dial
*120*2345#from the cellphone number linked to your Standard Bank profile. - Sign in using the secure prompts shown on your phone.
- Look for the payments, send money or Instant Money option displayed in the menu.
- Enter the recipient cellphone number carefully.
- Enter the amount you want to send.
- Create or confirm the collection PIN when prompted.
- Review the number, amount and fee on-screen.
- Confirm only when every detail is correct.
- Send the collection PIN only to the intended receiver.
Menu wording and option numbers can change, so follow the live menu shown on your phone. Do not continue if the menu looks unusual, asks for details you do not normally enter, or pressures you to share an OTP, banking password or card PIN.
Sending from Instant Money Wallet USSD
Standard Bank says you can send money from the Instant Money Wallet by dialling *120*212#, selecting “Send money”, entering the amount, entering the recipient’s cellphone number, creating a 4-digit voucher PIN, and then securely giving that PIN to the receiver. The receiver gets an SMS with the 10-digit voucher number. (Standard Bank)
This wallet route is useful when you are managing Instant Money Wallet funds rather than sending directly from a Standard Bank account menu. Standard Bank also says the Instant Money Wallet can be used to redeem, store and manage vouchers. (Standard Bank)
How the Receiver Withdraws Instant Money
To withdraw Standard Bank Instant Money, the receiver normally needs the 10-digit voucher number and the 4-digit collection PIN. Standard Bank says the receiver can visit a Standard Bank ATM or participating retailer, choose the “Withdraw money” or “Instant Money” option, enter the voucher number, enter the 4-digit PIN and collect the cash. (Standard Bank)
Standard Bank lists Instant Money redemption options that include the Instant Money Wallet available at *120*212#, Standard Bank ATMs and participating retailers such as Boxer, Checkers, PEP, Pick n Pay, Shoprite, SPAR and Usave. Retailer availability can change, so the receiver should check the latest participating outlets if a store cannot help. (Standard Bank)
Resending or Managing a Voucher
For voucher management, dial *120*212#. Standard Bank says this USSD route can be used to resend vouchers, reset PIN codes and view voucher status. (Standard Bank)
If the recipient did not receive the voucher SMS, Standard Bank says users can use the self-help option on *120*212# and select the resend voucher SMS option, or contact the Instant Money contact centre on 0860 466 639. (Standard Bank)
Fees, Limits, Expiry, and Reversal Notes
Fees
Standard Bank’s 2026 Instant Money pricing guide lists the following voucher creation fees for Instant Money Wallet and Standard Bank channels: R10 for values from R50 to R499, R20 for values from R500 to R999, and R30 for values from R1 000 to R5 000. It also lists R9.95 to create an Instant Money voucher at a retailer, R1 for prepaid airtime or data purchase, and R2 for payment to an account.
Fees can change, so always check the fee displayed on the USSD screen, app, ATM or retailer system before authorising the transaction.
Limits
Standard Bank’s Instant Money terms say a sender may send a maximum of R5 000 per day or R25 000 per month to a receiver. The same terms say a receiver can collect a maximum of R5 000 per day or R25 000 per month in vouchers, and that participating merchants may have lower collection limits.
Standard Bank also says Instant Money Wallet users can load up to R25 000 per month into the wallet, with daily usage of R10 000 per day or up to R25 000 per month, whichever limit is reached first. (Standard Bank)
Expiry
Standard Bank says Instant Money vouchers are valid for 3 years from the date they are issued, and the PIN does not expire while the voucher remains active. (Standard Bank)
Cancellation and Reversal
Do not assume that every Instant Money transaction can be reversed. Standard Bank says you can cancel the voucher through the same channel used to send it, but the initial sending fee is non-refundable, the 4-digit collection PIN is needed, and only vouchers with the full value remaining can be cancelled. (Standard Bank)
If you sent money to the wrong number, act quickly. Do not send the PIN to the wrong person. Try to cancel the voucher through the same sending channel if it has not been withdrawn, or contact Standard Bank Instant Money support for help.
Safety Checks Before You Confirm
Before confirming any Standard Bank Instant Money USSD transaction, check the recipient cellphone number digit by digit. Standard Bank’s terms place responsibility on the sender to make sure the information is correct, and warn that wrong information can lead to losses.
Check the amount and the fee on-screen before pressing confirm. Do not rely on what you intended to type; rely on what the menu shows.
Keep your banking PIN, card PIN, banking password and OTP private. Standard Bank’s cellphone safety guidance says users should access Cellphone Banking through *120*2345# or *130*2345#, secure their device, sign out when finished and avoid storing banking credentials such as ATM PINs, card numbers or passwords on their cellphone. (Standard Bank)
Treat the collection PIN like cash. The receiver needs it to withdraw, but it should not be posted in a group chat, screenshot, public message or social media inbox.
Do not click SMS links that claim to “unlock”, “reverse”, “verify” or “upgrade” an Instant Money voucher. Use Standard Bank’s official USSD routes, Banking App, Online Banking, ATM or contact centre channels.
Stop the transaction if someone is rushing you, threatening you or telling you to ignore the warning screens. Pressure is a common fraud tactic.
Troubleshooting Standard Bank Instant Money USSD Code Problems
The USSD Code Is Not Opening
First, check that you typed the code correctly. Use *120*2345# for Standard Bank Cellphone Banking and *120*212# for Instant Money Wallet or voucher management. Standard Bank also lists *130*2345# for cellphone banking airtime top-up when you do not have airtime or data. (Standard Bank)
If the code still does not open, check your network signal, restart your phone, confirm that you are using the correct SIM, and try again after a few minutes. If your session opens but fails during the transaction, do not keep retrying the same payment without checking whether the money has already moved.
The Voucher SMS Did Not Arrive
Use *120*212# to resend the voucher notification or check voucher status. Standard Bank says the resend option is available through self-help on Cellphone Banking, and also lists the Instant Money contact centre number 0860 466 639 for help. (Standard Bank)
The Receiver Cannot Withdraw
Confirm that the receiver has the correct 10-digit voucher number and 4-digit PIN. Standard Bank says the receiver must enter the voucher number and correct release PIN when collecting at a Standard Bank ATM or participating merchant.
If the ATM does not dispense the cash or the retailer cannot assist, Standard Bank says the user should contact the Instant Money call centre on 0860 466 639 for assistance. (Standard Bank)
The PIN Is Blocked or Forgotten
Standard Bank says a voucher PIN can be reset before the voucher is used, either through the sending channel or by contacting the Instant Money team. Standard Bank also notes that PINs cannot start with zero, cannot be a sequence such as 1234, and cannot repeat numbers consecutively such as 1122. (Standard Bank)
The Money Was Sent to the Wrong Number
Do not send the collection PIN to the wrong number. If the voucher has not been collected, use the same channel used to send it and look for the manage or cancel voucher option. Standard Bank says only vouchers with the full value remaining can be cancelled, and that the sending fee is not refunded. (Standard Bank)
Related Bank and Wallet Guides
For a broader comparison of bank and wallet options, use send money USSD code South Africa.
If the Standard Bank menu is not opening, go to Standard Bank USSD not working.
If you deleted a voucher SMS or need to find a missing voucher, use retrieve cash voucher USSD code.
If the problem is a missing voucher, blocked PIN, failed ATM withdrawal or wrong voucher details, see Standard Bank Instant Money voucher code.
For wallet-specific steps, use Instant Money Wallet USSD code.
For a deeper look at daily, monthly and voucher rules, see Standard Bank Instant Money limit.
FAQ
What should users check before using Standard Bank Instant Money USSD code?
Check the code, recipient cellphone number, amount, fee, voucher number and collection PIN. Use *120*2345# for Standard Bank Cellphone Banking and *120*212# for Instant Money Wallet or voucher management. (Standard Bank)
Can Standard Bank Instant Money USSD code be cancelled or reversed?
A voucher can be cancelled only if it has not been collected and the full value remains. Standard Bank says cancellation is done through the same channel used to send it, the original sending fee is not refunded, and the 4-digit collection PIN is needed. (Standard Bank)
Do cardless cash codes expire?
Standard Bank says Instant Money vouchers are valid for 3 years from the date they are issued, and the PIN does not expire if the voucher remains active. (Standard Bank)
Are there fees or limits for Standard Bank Instant Money USSD code?
Yes. Standard Bank’s 2026 pricing guide lists voucher creation fees of R10, R20 or R30 depending on the voucher amount, while the Instant Money terms list sender and receiver limits of R5 000 per day and R25 000 per month. Fees and limits can change, so check the live confirmation screen before authorising.
What should users do if Standard Bank Instant Money USSD code is not working?
Check that you are using the correct code, that your phone has signal, that you are using the correct SIM, and that the session did not time out. Use *120*2345# for Standard Bank Cellphone Banking and *120*212# for Instant Money Wallet or voucher tasks. If the issue involves a missing voucher, failed withdrawal, blocked PIN or suspected fraud, use Standard Bank’s official support channels instead of sharing voucher details with another person.