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Overview

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You have access to Send Money

If you are an FNB client with an active transactional account or FNB Debit or Credit Card*, you already have access to the Send Money service.

Login to Online Banking, Cellphone Banking, or the Banking App and select Send Money to make use of these safe and convenient ways to send money to anyone.

*You can send money to eWallet from a credit card using FNB Online Banking or FNB ATMs.

Terms of use apply

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Cellphone Banking

  • Dial *120*321#
  • Select 'Send Money'
  • Select 'eWallet'
  • Select the account you want to send money from
  • Key in the cellphone number you want to send to
  • Enter the amount you want to send
  • Select 'Yes' to send an SMS with an ATM PIN to the recipient for easy withdrawal
  • Confirm the amount and cellphone number

To send money using FNB Cellphone Banking you need to be registered for Cellphone Banking.

To register for Cellphone Banking
Dial *120*321# , visit any FNB branch or ATM or call the Cellphone Banking helpline on 087 575 9405

This service excludes Windows 7.5 - 8 operated phones.

Terms of use apply

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Online Banking

Once-off

  • Login to your Online Banking profile
  • Select 'Send Money'
  • Select 'Once-Off'
  • Enter the cellphone number of the recipient
  • Enter the amount you would like to send
  • Check the account you want to send money from (in the bottom right corner). If you would like to change the account, select the orange icon next to the account name.
  • Check and confirm the transaction
  • Enter your OTP (one time PIN)

From phonebook

  • Login to your Online Banking profile
  • Select 'Send Money'
  • Enter the amount you would like to pay the recipient*
  • Select the account you would like to send from
  • Select 'Send', 'Confirm' and enter the OTP.

*To add and save Cellphone numbers in your phonebook, select '+Add'.

Enter a name and the cellphone number you want to send to. Next, select 'Add Recipient'.

You can add up to 5 names and cellphone numbers at a time.

Terms of use apply

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Banking App

Send Money

  1. Login to FNB Banking
  2. Select 'Send Money'
  3. Select 'Send Money to eWallet'
  4. Select the account you want to send money from
  5. Enter the amount and cellphone you want to send to
  6. Select 'Send'
  7. Confirm

To send money using the FNB Banking App you need to download the app on your smartphone.

How to download the app
Simply visit your device's app store, search for the FNB Banking App and download!

Terms of use apply

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FNB ATM

  • Insert your FNB Debit, Cheque or Credit Card at the FNB ATM and enter your PIN
  • Select 'More Options'
  • Select 'Send or Receive Money'
  • Select 'Send Money to eWallet'
  • Enter your date of birth. Read the terms and conditions and then select 'Proceed'
  • Key in the cellphone number you want to send money to and select 'Proceed'
  • Key in the amount you want to send and select 'Proceed'
  • Confirm that all the details are correct and select 'Proceed'
  • Remember to take your card before leaving the ATM

Terms of use apply

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Draw cash at an FNB ATM

1. On your cellphone (if you have not received an SMS with an ATM PIN)

  • Dial *120*277# to access the eWallet
  • Select 'Get cash'
  • You'll receive an SMS with an ATM PIN

Note: If you have no airtime, dial *130*277#. This will allow you to buy airtime from the eWallet funds. Next, dial *120*277# to get an ATM PIN.

The SMS will contain the ATM PIN required to get cash. This PIN is valid for 4 hours.

At an FNB ATM after obtaining an ATM PIN

  • At the FNB ATM select the green button (Enter/Proceed) OR select 'Cardless Services'
  • Select 'eWallet Services'
  • Key in your cellphone number and select 'Proceed'
  • Key in the ATM PIN you received via SMS
  • Select the amount you want to withdraw
  • Take your cash
  • Make sure your transaction has ended or that you select 'Cancel' before leaving the ATM.

*You can also draw cash at other banks' ATMs, but the free withdrawal that you receive with the Send Money transaction will not apply.

Terms of use apply

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Store locator

 
 

Pay and/or request cash using eWallet at SPAR, SUPERSPAR, KWIKSPAR and Tops at SPAR retailers.

Plus, pay for fuel and goods using your eWallet at selected TotalEnergies sites.

Dial *120*277*4# and follow the steps.

You will automatically receive a one-time PIN (OTP) and a reference number on your cellphone (the OTP expires after 16 hours).

Tell the cashier if you would like to pay for goods &/ request for cash (if/where available in-store).

The cashier will ask for your cellphone number.

Enter the OTP you received into the card machine.

Terms of use apply.

Make a purchase at selected SPAR retailers using your cellphone

Dial *120*277*4# and follow the steps
You will automatically receive a one time PIN (OTP) and a reference number on your cellphone
(the OTP expires after 30 minutes)

Tell the cashier that you would like to make a purchase
The cashier will ask for your cellphone number
Enter the OTP you received into the card machine

Terms of use apply

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Buy airtime, data and electricity

1. Using your cellphone

  • Dial *120*277#
  • Select 'Prepaid'
  • Select 'Airtime', 'Data' or 'Electricity'
  • For airtime or data, select 'Me' or 'Enter Number' to use a different cellphone number
  • For Electricity, Enter the Meter Number
  • Select the amount you wish to buy for
  • Select 'Confirm'

2. Using the FNB Banking App

Airtime + data

  • Launch the FNB Banking App
  • Select the 'eWallet' tab
  • Select 'Buy Prepaid'
  • Select 'Prepaid Airtime & Bundles'
  • Choose your network provider and amount
  • Enter the cellphone number
  • Select 'Purchase'
  • Confirm details and select 'Confirm'

Electricity

  • Login to the FNB Banking App
  • Select the 'eWallet' tab
  • Select 'Buy Prepaid'
  • Select 'Prepaid Electricity'
  • Choose amount
  • Enter your meter number
  • Select 'Purchase'
  • Confirm details and select 'Confirm'

To use the FNB Banking App you need to download the app on your smartphone.

How to download the app
Simply visit your device's app store, search for the FNB Banking App and download!

Terms of use apply

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Pay for goods and services online

You can pay for goods and services at selected merchants using FNB Cell Pay Point. The merchants include Ster Kinekor and Mango Airlines.

  • Visit the merchant website
  • Select the goods or services you would like to pay for
  • Select to pay using FNB Cell Pay Point
  • Follow the steps to complete your transaction

For more information and a full list of merchants who offer Cell Pay Point, visit www.cellpaypoint.co.za

Terms of use apply

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Fees

Action Cost
Send money from FNB Account to eWallet R2 + R2.20 per R100
Reversal of incorrect 'send money to eWallet' transaction - telephone/branch R60
Reversal of incorrect 'send money to eWallet' transaction - cellphone banking R16
Fees for Recipient Cost
Monthly Account Fee No Charge
Withdraw cash from an FNB ATM, FNB Mini ATM or participating retailers 1 withdrawal for each payment received at no charge (limited to max. 4 at any time),
thereafter R11 per withdrawal from an FNB ATM or Mini ATM, and R2 per withdrawal from a participating retailer
Purchases at participating retailers No Charge
eWallet balance enquiry No charge
eWallet mini-statement request No charge
Prepaid airtime transaction fee (cellphone banking and FNB ATM) No charge
Prepaid airtime transaction fee (FNB App or Online Banking) No Charge
Prepaid Electricity R2.70
Inactivity fee per month (after 6 months of inactivity) R4.95
Transfer from your eWallet to your FNB Account No Charge
eWallet Balance Enquiry No Charge
eWallet Mini-statement No Charge

Please note

  • Standard network operator rates apply when using your cellphone.
  • Pricing is subject to change.
  • Please refer to our transactional account pricing guides for more information on more eWallet fees

Terms of use apply

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Limits

Channel Daily transactional limit
FNB Cellphone Banking R1 500.00
FNB ATM R1 500.00*
FNB Online Banking R3 000***
FNB Banking App R3 000***

*Withdrawals from ATMs will be dependent on cash withdrawal limit of recipient.

Total daily spend limit = R5 000**

Monthly spend limit = R24 999

**The daily spend limit of R5000 includes cash withdrawals, in store and all the prepaid purchases

***An FNB Online Banking user and an FNB Banking App user may send up to R15 000 via Send Money. The higher limit must be increased via the limit management function available on the user profile settings. The user will have different maximum limits based on customer type.

Reduced limits ( when doing a SIM swap)

  • If an FNB Cellphone Banking user has recently performed a SIM swap, the Send Money process will be different. During the Send Money process on Cellphone Banking, the sender will be requested to enter the last 4 digits of their FNB Cheque Card as well as the ATM PIN.
  • In addition, the FNB Cellphone Banking limit (including Prepaid and Send Money) will be reduced to R500 per day for 72 hours. After the 72 hour waiting period, normal limits will apply.

Terms of use apply

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Balance

The FNB eWallet can hold up to R5 000 at any given time, which can be drawn at any FNB ATM or selected retailers. It can also be used to buy prepaid airtime, data, electricity, or to buy goods at your convenience.

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Reversals

Call 087 575 9405 to request a Send Money transaction reversal.

Please note that FNB will not be held liable for money sent to an incorrect cellphone number. Reversals may incur a fee and are not guaranteed.

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How to activate your FNB eWallet Card

Go to any FNB ATM

  • Remove the card from the pack
  • Insert your eWallet Card and enter your card PIN
  • Select 'Proceed'
  • Accept the terms and conditions
  • Enter your cellphone number and confirm
  • You will receive an SMS on your cellphone with a one time PIN (OTP)
  • Enter the OTP on the ATM keypad
  • Select when you would like to receive inContact SMSs notifying you of your transactions
  • Confirm to receive a success message
  • To change your eWallet Card PIN, insert your eWallet Card into the ATM. Enter the card PIN and follow the steps.

Terms of use apply

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Forgot eWallet Card PIN?

Start with your cellphone

Your cellphone must be linked to your eWallet Card

  • Dial *120*277#
  • Select 'Protect eWallet'
  • Select 'Reset eWallet Card PIN'

Next, go to an FNB ATM (Do NOT enter your card yet)

  • Select 'Cardless Services' or 'Proceed'
  • Select 'eWallet Services'
  • Enter your cellphone number
  • Enter the one time PIN (OTP) sent to your cellphone
  • Select 'Reset Card PIN' on the ATM

Now insert your eWallet Card

  • Set your new card PIN
  • Confirm your new card PIN
  • Confirm your transaction
  • Remember your new card PIN

Terms of use apply

Send money

Send money in South Africa with eWallet

eWallet allows FNB customers to send money instantly to anyone with a valid South African cellphone number.
For your convenience, you can also transfer money from your eWallet to your account.

How it works
Do it now!

How it works

Instant, easy + secure

eWallet is an instant, easy and affordable money transfer service that allows you to send money to anyone.

  1. Send money from your FNB account
  2. Money is transferred securely and immediately
  3. Recipient receives an SMS after receiving money into the eWallet
 
No need to withdraw eWallet

No need to withdraw eWallet, just transfer funds.

Link eWallet to account via the app

You can transfer funds from your eWallet to your FNB account via the FNB App. Now you can swipe instead of withdrawing.

To do this, you need to link your eWallet to your FNB account:

  1. Open the FNB App & select the menu in the top left corner
  2. Select 'eWallet' from the menu
  3. Enter your Online Banking password to log in
  4. Select 'Continue' to link eWallet screen
  5. Enter your cellphone number and the OTP sent to you to verify your number.

Once verified, you can transfer funds from your eWallet to your FNB account.

 
Ways to send money

Ways to send

Send the way you want to

As an FNB customer you can use one of FNB's convenient digital channels to send money to anyone with a valid South African cellphone number.

Cellphone Banking

View how to send money using your cellphone.

Read more

Online Banking

View how to send money using Online Banking.

Read more

Banking App

View how to send money using the FNB Banking App.

Read more

FNB ATM

View how to send money using any FNB ATM.

Read more

Ways to use
 

Ways to use

Spend the way you want to

When you receive an SMS notifying you that money has been sent to your cellphone, you can do the following:

Draw cash

At an FNB ATM

At selected retailers

Spend

Make purchases at selected retailers

Buy airtime, data and electricity

Costs + limits

Costs + limits

Fees

2 eWallet send money transactions at no extra costs using the FNB App for Easy Smart Option and Aspire Accounts. Thereafter R2 + R2 per R100

Read more

Limits

Send up to R5 000 - R15 000 using Online Banking, the FNB App, and R15 000 using Cellphone Banking or ATM.

Read more

Balance

The FNB eWallet can hold up to R5 000 which can be drawn at any FNB ATM or selected retailers.

Read more

Reversals

eWallet reversals can be done on Cellphone Banking by dialing *120*321# and via the Contact Centre 087 575 9405.

Read more

Doing it made easy

Doing it made easy

eWallet

How to get it

Do it now!

Terms of use

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First National Bank - a division of FirstRand Bank Limited. An Authorised Financial Services and Credit Provider 1929/001225/06 (NCRCP20).