How to Send, Withdraw or Check eWallet Balance

eWallet is a service provided by the First National Bank (FNB) to help anyone in South Africa who has a cell phone number easily receive money sent to them by an FNB customer. The process of sending, withdrawing, and checking your account balance is very easy and does not require the customer or recipient to have any special or technical skills. There are also several methods of sending and withdrawing money that a sender and recipient can choose from.

The entire process is quite secure. Withdrawal of funds is designed in a way that the recipient, even after receiving the notification on his cell phone will need a PIN to actually access the funds. The sender is therefore required to be careful enough to input the right cell phone number of the recipient.

What You Need To Know About FNB’s eWallet

With an active South African mobile money account, you can receive money from any FNB user, even though you do not bank with FNB. eWallet makes sending and withdrawal of money easy. The transferred money is received almost immediately and can be withdrawn by the recipient from any FNB ATM.

There are several measures put in place to ensure that the money transfer is secure. For instance, if the recipient does not activate his or her eWallet within 13 days from when the transaction was made, the money will be returned to the sender. This is designed to protect the sender and ensure that they do not have to suffer the loss that is usually associated with online transfers. To activate your eWallet, all you need to do is dial *120*277#.

Immediately the sender successfully completes the transaction process, the recipient whose mobile number was provided by the sender will receive a message notifying him or her of the money they have just received.

How To Send Money Through eWallet

There are so many methods of sending money via eWallet. You can choose from any of these methods, depending on your preference. The methods include:

  • USSD Code
  • FNB ATM
  • FNB Mobile App
  • Online banking

USSD Code

Here is how you can easily send money using USSD code;

  • Open the dialer on your phone
  • Dial *120*321#
  • Select Send Money
  • Select eWallet
  • Choose the account you want to debit
  • Enter the recipient’s cell phone number
  • Enter the amount of money you want to send
  • Select whether or not you want the recipient to receive the PIN in the SMS to make the withdrawal process easier.
  • Confirm the cellphone number and amount
  • Confirm your acceptance of the service fee

Online Banking

  • Log in go to online banking
  • From the menu, select Send Money
  • Select Once-off Payment
  • Enter the recipient’s cell phone number
  • Key in the amount you want to send
  • Select the account you want to debit
  • Click Send
  • Click the box if you agree that FNB should send the recipient the pin in the notification SMS
  • Confirm the details you provided
  • An OTP which you will use to complete the transaction will be sent to your mobile number
  • A message informing you that the transaction was successful will be displayed.

Please note that the OTP is valid for four hours, after which you will have to request another one.

FNB Mobile App

  • Log in to your FNB Mobile App
  • There is a hamburger menu bar located at the top left corner of the screen, tap on it
  • Tap on Payments
  • Select Send Money
  • Select To eWallet
  • Enter the amount you want to send
  • Enter the cell phone number of the recipient
  • Tap the box to give FNB your consent to send the withdrawal PIN alongside the notification SMS
  • To confirm you want to send money to someone, push the slider to the right
  • If you get a scam alert, read through the details, and then select Continue, Send Money
  • Confirm the details you provided
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How To Send Money Via eWallet Using ATM

eWallet Balance

  • Insert your FNB ATM card into the machine
  • Enter your PIN
  • Select More Options
  • Select the Send or Receive Money option
  • Choose eWallet Services
  • Enter your date of birth
  • Quickly read through the terms and conditions then click Proceed
  • Enter the cell phone number of the recipient
  • Key in the amount you will like to send
  • Confirm the details you provided
  • Complete the transaction and take back your ATM card

How To Withdraw Money From eWallet Balance

One thing to always keep in mind when it has to do with withdrawing money sent via eWallet is that the withdrawal PIN is live for a maximum of 16 hours from the time it is sent to you. Therefore before requesting it, ensure that you can make withdrawals within the time frame of its validity, else you may have to repeat the PIN request process.

Just like sending, there are also several methods of withdrawing money via eWallet that a recipient can choose from. These methods include the following:

  • FNB ATM
  • FNB Retail Store
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How To Withdraw Money Sent Via eWallet Using FNB ATM

Withdrawal from any ATM will require that you first request the withdrawal PIN, and here is how to go about it:

  • Dial *120*277#
  • To select Cash Withdrawal, press 1
  • For your ATM PIN, press 1
  • You will receive an SMS that contains a unique PIN of four digits

Here is how to use this PIN to withdrawal money from your eWallet using ATM.

  • Within 16 hours of receiving the PIN, visit any FNB ATM closest to you
  • Press the Enter/Proceed keypad on the ATM
  • Select eWallet Services on the screen
  • Enter your mobile number
  • Enter the four-digit PIN that was sent to you
  • Key in the amount you want to withdraw (must be less than or equal to the amount that was sent to you)
  • The ATM will dispense the cash accordingly

You Can Also Withdraw Money Sent Via eWallet In Any FNB Retail Store

Here is a list of all the FNB retail store you can make withdrawals at:

  • Savoy SPAR
  • Myezo SPAR
  • Sutherland Ridge SUPERSPAR
  • Northcrest SUPERSPAR
  • Ngqeleni SUPERSPAR
  • Randgate SPAR
  • Randgate TOPS
  • Umlazi Megacity SPAR
  • Umlazi TOPS
  • Lighthouse SPAR
  • Lighthouse TOPS
  • Bray’s SPAR
  • Limpopo SPAR
  • Lighthouse SPAR
  • Lighthouse TOPS
  • Bray’s SPAR

Withdrawing from retail stores also requires that you request a Withdrawal PIN, but unlike the ATM PIN, this PIN is valid for only 30 minutes. So to be on the safe side, consider requesting the PIN when you are already at the retail store. Here is how to request the retail store Withdrawal PIN:

  • Dial *120*277*4#
  • To select Withdrawal PIN, press 1
  • To request your retail store Withdrawal PIN, press 1

Here is how to withdraw cash at a retail store using this PIN.

  • To withdraw cash at a retail store, you will have to make the purchase using a supported credit or debit card.
  • At the checkout, select Cash Withdrawal
  • Select Withdraw from eWallet
  • Enter the amount you want to withdraw
  • Enter your mobile phone number
  • Key in the PIN that was sent to you

Since you will have to make a purchase at the retail store with your card, withdrawing money from a retail store is free.

How Do I Check My eWallet Balance?

After withdrawal (or whenever money has been transferred to your eWallet), you can quickly check your balance by dialing *120*277# and following the prompt on your mobile phone. Please note that the maximum amount of balance you can have in your eWallet balance at a time is R3,000.

To use the money on your eWallet balance to purchase airtime, you can also dial *130*277# on your phone.

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Romeo Ndlovu
Romeo's secret talent is taking the ordinary and making it extraordinary content. At work, he is thinking about how best to provide the most unique, original content that provides utmost satisfaction to the user. Away from work, he is a football addict who loves to catch up on his favorite pastimes
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