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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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Withdraw cash at an FNB ATM

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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Withdraw cash at tills from retail partners

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

  • You will automatically receive a one-time PIN (OTP) and a reference number on your cellphone.
  • Tell the cashier if you want to withdraw from your eWallet
  • The cashier will ask for your cellphone number.
  • Enter the OTP you received into the card machine.

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Store locator

 
 

Pay using eWallet at selected SPAR, SUPERSPAR, and KWIKSPAR Tops at SPAR.

Plus, pay for fuel and goods using your eWallet at selected Engen, Shell, Sasol and TotalEnergies.

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 and request 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.

Request cash using eWallet at Pick n Pay, Shoprite, Checkers and Usave

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

Tell the cashier if you would like to withdraw your eWallet cash.
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 an FNB Account to Wallet R2.00 + R2.70 per R100
Send money from an FNB Easy Zero or FNB Easy PayU to Wallet R10
Reversal of incorrect 'Send money to Wallet' transaction - telephone/branch R85
Reversal of incorrect 'Send money to Wallet' transaction - cellphone banking/FNB App R19
Reversal of incorrect 'Send money to Credit Card' - telephone /branch R75
Fees for Recipient Cost
Monthly Account Fee No Charge
Withdraw cash from an FNB ATM, FNB Mini ATM or AgencyPlus 1 withdrawal for each payment received at no charge (limited to max. 4 at any time)*
Withdraw cash at selected retailers No Charge
Purchases at participating retailers No Charge
Prepaid airtime transaction fee R0.55
Voucher transaction fee R3
Prepaid electricity R1.70
Inactivity fee per month (after 6 months of inactivity) R7.50
Transfer from your eWallet to your FNB Account No Charge
eWallet balance enquiry No Charge
eWallet mini-statement No Charge

* Thereafter R11 per withdrawal from an FNB ATM and Mini ATM and no charge at participating retailers. At Agency Plus a fee of R5 per R1000 will apply. Terms and Conditions apply.

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Limits

Daily and monthly transaction and channel limits apply to all eWallet Send Money services. When limits are reached, the use of funds or the service will not be possible. If the sender's SIM card is swapped, the daily limit will be reduced until the Sender can be authenticated. To view all applicable eWallet limits, please visit "www.fnb.co.za" or contact the eWallet Call Centre on 087 575 9405 for more information, please see the below:

SENDER LIMITS

  • Digital Channels: Online Banking, App, Mobi & USSD: Sender limits are articulated as per your account type below:
Account Type Default Daily Limit
(App/Mobi/Online Banking) 		Maximum Daily Limit
(App/Mobi/Online Banking)
Easy Zero, Easy PAYU, Easy Smart & Aspire R3000 R5000
Premier and Private Clients R3000 R10 000
Private Wealth and RMB R3000 R15 000
  • ATM Send Money limits are articulated as per below

NB: Send Money limits are limited to the customer's card default limit.

Account Type Default Minimum Send
Money Limit (ATM) 		Maximum ATM Send
Money Limit Per
Transaction
Easy & Easy Zero R20 R1500
Aspire R20 R1500
Mass Affluent & Affluent (Premier & Private Clients) R20 R1500
Wealthy (Private Wealth and RMB) R20 R1500

RECIPIENT LIMITS

  • Daily Spend Limit: R5 000.
  • Monthly Spend Limit: R24 999
  • Maximum eWallet Balance at any given time: R10 000-00

Terms of use apply

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Balance

The FNB eWallet can hold up to R10 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 from selected retailers.

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Reversals

eWallet reversals can be done on the FNB App, Cellphone Banking by dialing *120*321# or Contact Centre 087 575 9405.

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 or receive money safely and conveniently with eWallet

eWallet allows FNB customers to send money instantly to anyone with a valid South African cellphone number.
Receivers can with draw their eWallet money from any till at Pick n' Pay, Shoprite Checkers and Usave by dialing *120*277*4# to get a one-time pin that they present at the till.

How it works
Do it now!

How it works

Instant, safe + convenient

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

  1. Send money from your FNB account to SA number
  2. Money is transferred securely and immediately
  3. Recipient receives an SMS after receiving money into the eWallet
  4. Recipient can withdraw the money from Pick n Pay, Shoprite, Checkers, Usave or an FNB ATM
  5. Recipient can also pay for goods or fuel at selected Engen, Sasol, Shell or TotalEnergies
 
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:

Withdraw cash

Withdraw from Pick n Pay, Checkers, Shoprite or Usave

Withdraw from an FNB ATM

At selected retailers

Spend

Buy prepaid data, airtime and electricity

Buy goods or pay for fuel at selected Engen, Sasol, Shell and TotalEnergies

Make purchases at selected retailers

Costs + limits

Costs + limits

Fees

Send money from FNB Easy Zero or Easy PAYU to eWallet at a flat fee of R10. Send one eWallet at no extra cost per month using the FNB App for Easy Bundle, Aspire, Premier and Private Clients accounts, Thereafter R2.00 + R2.70 per R100.

Read more

Limits

Send up to R15 000 using the FNB App. Online Banking and Cellphone Banking. ATM transactions are limited to R1 500 per transaction.

Read more

Balance

The FNB eWallet can hold up to R10 000, which can be drawn at any FNB ATM or selected retailers.

Read more

Reversals

eWallet reversals can be done on the FNB App, via FNB Cellphone Banking by dialling *120*321# or by calling the FNB Contact Centre on 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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