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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

Close

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

Close

Draw cash at selected retailers

Using your cellphone (at selected SPAR stores)

  • 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 the amount you wish to withdraw
  • The cashier will ask for your cellphone number
  • Enter the OTP you received into the card machine

List of selected SPAR stores

Province Town Retail Store
Gauteng Bertrams, Johannesburg Bertrams SUPERSPAR
  Boksburg North Point SPAR
  Boksburg South Boksburg SUPERSPAR
  Featherbrook Feathersquare SPAR
  Germiston Choose N Pay
  Hammanskraal, Pretoria Jubilee SPAR
  Hammanskraal, Pretoria Kopanong SUPERSPAR
  Hennopspark, Pretoria Hennopsview SPAR
  Kempton Park Stop n Go
  Krugersdorp Krugersdorp SPAR
  Kyalami Crowthorne SUPERSPAR
  La Montagne, Pretoria The Hill KWIKSPAR
  Lenasia Pay n Save Wholesalers
  Lynnwood, Pretoria Willow Way SPAR
  Randfontein Randgate SPAR
  Randfontein Family Save SPAR
  Ridgeway, Johannesburg South Ridgeway Gardens KWIKSPAR
  Sebokeng Evaton SUPERSPAR
  Springs Savemor SPAR
  Strubensvalley, Roodepoort Retail Crossing
  Sunninghill Sunninghill
Kwazulu Natal Berea, Durban Berea KWIKSPAR
  Botha's Hill 1000 Hills SPAR
  Glenwood, Durban Glenwood SUPERSPAR
  Hluhluwe Hluhluwe SUPERSPAR
  Newlands Nizamie SPAR
  Overport, Durban Randles Road KWIKSPAR
Eastern Cape Elliot Cala SPAR
  Engcobo Engcobo SUPERSPAR
  Fort Beaufort Georgious SUPERSPAR
  Fort Beaufort Kwantu SUPERSPAR
  Gonubie, East London Gonubie SPAR
  King Williams Town Nicks Foods Daily SPAR
  Lady Frere Lady Frere SPAR
  Linton Grange, Port Elizabeth Linton Grange SPAR
  Port Elizabeth Fiveways SPAR
  Quigney, East London Fleet SPAR
  Ugie Ugie SPAR
  Whittlesea Whittlesea SPAR
Western Cape Kenilworth Rosmead SUPERSPAR
  Knysna Knysna SUPERSPAR
  Observatory OBZ KWIKSPAR
  Port Nolloth Port Nolloth SPAR
  Springbok Springbok SUPERSPAR
Limpopo Makhado village Nzhelele SPAR
  Messina Messina SUPERSPAR
  Modimolle Marapyane SPAR
  Modjajiskloof Modjajiskloof SPAR
  Polokwane Polokwane SPAR
  Polokwane City Centre SUPERSPAR
  Thohoyandou Thohoyandou SPAR
  Venda Sibasa SPAR
Mpumalanga Middelburg Midwater SUPERSPAR
  Moloto Moloto SUPERSPAR
  Piet Retief Piet Retief SUPERSPAR
  Secunda Secunda SUPERSPAR
  Witbank, Emalahleni Emalahleni SPAR
Free State Danielskuil Danielskuil SPAR
  Navalsig, Bloemfontein Naval Hill SPAR
  Universitas, Bloemfontein Meditas SPAR
  Universitas, Bloemfontein Universitas SPAR
  Waverley, Bloemfontein Baysvillage KWIKSPAR
Northern Cape Delareyville Delareyville SPAR
  Keimoes Brays SPAR

Terms of use apply

Close

Make purchases at selected retailers

Using your cellphone (at selected SPAR stores)

  • 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)
  • The cashier will ask for your cellphone number
  • Enter the OTP you received into the card machine

List of selected SPAR stores

Province Town Retail Store
Gauteng Bertrams, Johannesburg Bertrams SUPERSPAR
  Boksburg North Point SPAR
  Boksburg South Boksburg SUPERSPAR
  Featherbrook Feathersquare SPAR
  Germiston Choose N Pay
  Hammanskraal, Pretoria Jubilee SPAR
  Hammanskraal, Pretoria Kopanong SUPERSPAR
  Hennopspark, Pretoria Hennopsview SPAR
  Kempton Park Stop n Go
  Krugersdorp Krugersdorp SPAR
  Kyalami Crowthorne SUPERSPAR
  La Montagne, Pretoria The Hill KWIKSPAR
  Lenasia Pay n Save Wholesalers
  Lynnwood, Pretoria Willow Way SPAR
  Randburg My Lunch
  Randburg Maxi's
  Randfontein Randgate SPAR
  Randfontein Family Save SPAR
  Ridgeway, Johannesburg South Ridgeway Gardens KWIKSPAR
  Sebokeng Evaton SUPERSPAR
  Springs Savemor SPAR
  Strubensvalley, Roodepoort Retail Crossing
  Sunninghill Sunninghill
Kwazulu Natal Berea, Durban Berea KWIKSPAR
  Botha's Hill 1000 Hills SPAR
  Glenwood, Durban Glenwood SUPERSPAR
  Hluhluwe Hluhluwe SUPERSPAR
  Newlands Nizamie SPAR
  Overport, Durban Randles Road KWIKSPAR
Eastern Cape Elliot Cala SPAR
  Engcobo Engcobo SUPERSPAR
  Fort Beaufort Georgious SUPERSPAR
  Fort Beaufort Kwantu SUPERSPAR
  Gonubie, East London Gonubie SPAR
  King Williams Town Nicks Foods Daily SPAR
  Lady Frere Lady Frere SPAR
  Linton Grange, Port Elizabeth Linton Grange SPAR
  Port Elizabeth Fiveways SPAR
  Quigney, East London Fleet SPAR
  Ugie Ugie SPAR
  Whittlesea Whittlesea SPAR
Western Cape Kenilworth Rosmead SUPERSPAR
  Knysna Knysna SUPERSPAR
  Observatory OBZ KWIKSPAR
  Port Nolloth Port Nolloth SPAR
  Springbok Springbok SUPERSPAR
Limpopo Makhado village Nzhelele SPAR
  Messina Messina SUPERSPAR
  Modimolle Marapyane SPAR
  Modjajiskloof Modjajiskloof SPAR
  Polokwane Polokwane SPAR
  Polokwane City Centre SUPERSPAR
  Thohoyandou Thohoyandou SPAR
  Venda Sibasa SPAR
Mpumalanga Middelburg Midwater SUPERSPAR
  Moloto Moloto SUPERSPAR
  Piet Retief Piet Retief SUPERSPAR
  Secunda Secunda SUPERSPAR
  Witbank, Emalahleni Emalahleni SPAR
Free State Danielskuil Danielskuil SPAR
  Navalsig, Bloemfontein Naval Hill SPAR
  Universitas, Bloemfontein Meditas SPAR
  Universitas, Bloemfontein Universitas SPAR
  Waverley, Bloemfontein Baysvillage KWIKSPAR
Northern Cape Delareyville Delareyville SPAR
  Keimoes Brays SPAR

Cards are only available at selected FNB branches.

Terms of use apply

Close

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

Close

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

Close

Fees

Action Cost
Send money to someone R 10.95
Get cash from an FNB ATM (1 free withdrawal per Send Money transaction) R 6.50
eWallet balance enquiry FREE
eWallet mini-statement request FREE
Cell Pay Point purchase FREE
Prepaid airtime, data and electricity purchase R1.50
Transfer from your eWallet to your FNB Account FREE
Inactivity fee (after 6 months of inactivity) R6.00

Please note

  • Standard network operator rates apply when using your cellphone.
  • Pricing is subject to change.

Terms of use apply

Close

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 = R25 000

**The daily spend limit of R5 000 includes cash withdrawals, in-store and all prepaid purchases.

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

Close

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.

Close

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.

Close

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

Close

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.

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
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

Pay for goods online (using Cell Pay Point)

Costs + limits

Costs + limits

Fees

With a R10.95 flat fee for up to R3 000 per send, eWallet stands apart from all other money transfer services.

Read more

Limits

Send up to R3 000 per day using Online Banking or the app, and R1 500 using Cellphone Banking or ATMs.

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

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

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).