Quick Facts About FNB eWallet

• Send money to any South African cellphone number
• Receiver does not need a bank account
• Withdraw at FNB ATMs or shops like Shoprite and Pick n Pay
• Send up to R15,000 per transaction using the FNB App
• Money stays safe for 30 days before returning to sender
• First withdrawal free for some accounts, then R11 at ATMs

What is FNB eWallet?

FNB eWallet is a mobile money service from First National Bank. It lets you send money to anyone with a South African cellphone number. The person receiving the money does not need a bank account.

The money is kept safe in a digital wallet on their phone. They can withdraw cash at ATMs or shops. They can also use it to buy airtime, data, or electricity.

Who Can Use FNB eWallet?

To send money: You must be an FNB customer with an active account or credit card. You need to be registered for FNB App, Online Banking, or Cellphone Banking (*120*321#).

To receive money: Anyone with a South African cellphone number can receive eWallet money. You do not need to bank with FNB. You do not even need a bank account at all.

How FNB eWallet Works – Simple Steps

Step 1: Sender Sends Money

The sender uses the FNB App, Online Banking, or dials *120*321#. They choose “Send Money” and then “eWallet”. They enter the receiver’s cellphone number and the amount of money.

Step 2: Receiver Gets SMS

The receiver gets an SMS immediately. The message tells them how much money they received. It also gives them instructions on how to use the money.

Step 3: Activate the eWallet

The receiver must activate the eWallet by dialing *120*277#. This creates their digital wallet. They have 12 business days to activate it.

Step 4: Get Cash or Use Money

After activation, the receiver can withdraw cash at ATMs or shops. They can also buy airtime, data, or electricity. The money stays in the eWallet for 30 days.

How to Send Money Using FNB eWallet

Method 1: Using the FNB App (Recommended)

1. Open the FNB Banking App on your phone
2. Log in with your username and password
3. Select “Send Money” from the menu
4. Choose “eWallet” as the send option
5. Enter the receiver’s cellphone number (start with 0)
6. Type in the amount you want to send
7. Check all details are correct
8. Confirm the transaction with your PIN or fingerprint
9. You will get an SMS confirming the money was sent

Method 2: Using Cellphone Banking

1. Dial *120*321# on your phone
2. Enter your Cellphone Banking PIN
3. Select “Send Money”
4. Choose “eWallet”
5. Follow the prompts to complete the transaction

Method 3: Using Online Banking

1. Go to www.fnb.co.za
2. Log in to Online Banking
3. Click on “Payments and Transfers”
4. Select “Send Money to eWallet”
5. Complete the transaction details

Method 4: At FNB ATMs

1. Insert your FNB card and enter your PIN
2. Select “More Options”
3. Choose “Send or Receive Money”
4. Select “Send Money to eWallet”
5. Follow the ATM prompts
6. ATM limit is R1,500 per transaction

✅ How to Receive FNB eWallet Money

What You Need

• A working cellphone that receives SMS messages
• The South African cellphone number that received the money
• Airtime to dial USSD codes (*120*277#)
• If you have no airtime, dial *130*277# to buy airtime from your eWallet first

Step-by-Step Activation Process

1. Wait for the SMS telling you money was sent
2. Dial *120*277# on your phone
3. Enter your name (first name and surname)
4. Enter your South African ID number
5. You will get a confirmation SMS
6. Your eWallet is now activated and ready to use

What Happens After Activation?

Once activated, you can take your time to use the money. You do not have to withdraw immediately. The money stays in your eWallet for 30 days. After 30 days, any unused money goes back to the sender.

You can check your balance anytime by dialing *120*277# and selecting “Balance Enquiry”. This service is free on the FNB App.

How to Withdraw Cash at FNB ATMs

Get Your Temporary ATM PIN

1. Dial *120*277# on your phone
2. Select option 1 for “Withdraw Cash”
3. Choose option 1 for “FNB ATM”
4. You will receive an SMS with a temporary PIN
5. This PIN is valid for 16 hours only
6. Write down the PIN or remember it

At the FNB ATM

1. Do NOT insert a card – just press the green “Proceed” or “Enter” button
2. Select “eWallet Services” or “Cardless Services”
3. Enter your cellphone number (the number that got the eWallet)
4. Enter the temporary ATM PIN from the SMS
5. Select how much money you want to withdraw
6. Minimum withdrawal is R20
7. Wait for the ATM to give you your cash
8. Count your money before leaving
9. Press “Cancel” to end completely

ATM Withdrawal Fees

The first withdrawal is free for some account types. After that, FNB charges R11 per withdrawal at FNB ATMs. If you withdraw at other banks’ ATMs, higher fees apply.

✅ How to Withdraw Cash at Shops (FREE Option)

You can withdraw eWallet money at participating shops for FREE. This is called “eWallet@Till”. It saves you the R11 ATM fee.

Where You Can Withdraw

The following shops accept eWallet withdrawals in South Africa:

• Shoprite – Over 1,000 stores nationwide
• Checkers – Available at till points
• Pick n Pay – Most branches
• Boxer – Budget-friendly stores
• Usave – Selected stores
• Spar – Over 1,300 participating stores

Step-by-Step Shop Withdrawal Process

1. Get Your OTP: Dial *120*277*4# on your phone
2. Receive PIN: You will get an SMS with a one-time PIN (OTP) and reference number
3. Time Limit: The OTP is valid for 30 minutes only
4. At the Shop: Tell the cashier you want to withdraw eWallet money
5. Amount: Tell them how much you want to withdraw
6. Your Number: Give the cashier your cellphone number
7. Enter OTP: Type the OTP into the card machine
8. Collect Cash: The cashier will give you your money

Can I Buy Goods with eWallet at Shops?

Yes! At some shops you can use your eWallet OTP to pay for goods directly. You can also withdraw cash and buy goods in the same transaction. This works at participating Spar, Shoprite, and other retailers.

FNB eWallet Costs and Limits (2025)

Fees for Sending Money

Account Type	Sending Fee
FNB Easy Zero / Easy PAYU	R10 flat fee
Easy Bundle, Aspire, Premier, Private Clients	First eWallet FREE per month, then R2.00 + R2.70 per R100
Other accounts	R2.00 + R2.70 per R100

Real Examples of Sending Costs

• Send R100: Fee is R2.00 + R2.70 = R4.70
• Send R500: Fee is R2.00 + (R2.70 x 5) = R15.50
• Send R1,000: Fee is R2.00 + (R2.70 x 10) = R29.00
• Send R2,000: Fee is R2.00 + (R2.70 x 20) = R56.00

Withdrawal Fees

Withdrawal Method	Fee
At shops (Shoprite, Pick n Pay, Checkers, Boxer, Spar)	FREE
First withdrawal at FNB ATM (some accounts)	FREE
At FNB ATMs (after first free)	R11 per withdrawal
At AgencyPlus	R5 per R1,000
At other banks’ ATMs	Higher fees apply

Transaction Limits

Limit Type	Amount
Maximum per transaction (FNB App)	R15,000
Maximum per transaction (ATM)	R1,500
Maximum eWallet balance (total)	R10,000
Daily spend limit	R5,000
Monthly spend limit	R25,000
Minimum ATM withdrawal	R20

🚨 FNB eWallet Scams – How to Protect Yourself

Criminals target eWallet users with sophisticated scams. Here are the most common scams in South Africa in 2025 and how to avoid them.

Scam 1: Fake “FNB” Calls Asking for Your PIN or OTP

How it works: A criminal phones you pretending to be from FNB. They say there is a problem with your account. They ask you to share your PIN, OTP, or temporary ATM PIN. Some use AI voice technology to sound very convincing.

The truth: FNB will NEVER phone you and ask for your PIN, password, OTP, or any security codes. Anyone asking for these is a criminal.

What to do: End the call immediately. Phone FNB fraud line at 087 575 9444 to report it.

Scam 2: Fake SMS Messages

How it works: You get an SMS that looks like it comes from FNB. It says you won money, there is a problem, or you need to verify your account. The message includes a link to click.

The truth: Criminals send fake SMS messages (called “smishing”). The link takes you to a fake website. If you enter your details, criminals steal them.

What to do: Never click links in SMS messages claiming to be from FNB. Delete the message. Type www.fnb.co.za yourself if you need to check your account.

Scam 3: “Accidental” Payment Scam

How it works: Someone sends you eWallet money. They contact you saying it was a mistake. They ask you to send the money back to a different number.

The truth: The original payment was made with stolen money or a stolen card. When you send money back, you are using your own money. The criminal keeps both amounts.

What to do: Do NOT send money back yourself. Tell the person to phone FNB at 087 575 9405 to reverse the transaction officially. FNB can reverse eWallet payments properly.

Scam 4: SIM Swap Fraud

How it works: Criminals contact your mobile operator pretending to be you. They get a new SIM card with your number. They can then receive your banking SMS messages and OTPs.

Warning signs: Your phone suddenly has no signal. You cannot make calls. You get messages about a SIM swap you did not request.

Protection: Contact your mobile provider (MTN, Vodacom, Cell C, Telkom) and set up a SIM swap PIN. This stops criminals from getting a new SIM with your number.

Scam 5: Remote Access Software Scam

How it works: Someone phones claiming to be from FNB technical support. They ask you to install software like AnyDesk or TeamViewer on your phone or computer to “help” you. This gives them control of your device.

The truth: FNB will never ask you to install remote access software. Criminals use this to see your passwords and steal your money.

What to do: Never install software when someone phones you. End the call. Phone FNB fraud line at 087 575 9444.

Safety Rules – NEVER Do These Things

• NEVER share your PIN or OTP with anyone – not even FNB staff
• NEVER click links in SMS messages claiming to be from FNB
• NEVER give banking details over the phone to someone who phones you
• NEVER install software when someone phones claiming to be from FNB
• NEVER send money back yourself if someone says payment was a mistake
• NEVER withdraw money for strangers who promise to share it with you

What FNB Will NEVER Do

• Phone you asking for your username, password, PIN, or OTP
• Send you links via SMS to click on
• Ask you to move money to keep it “safe”
• Request remote access to your phone or computer
• Ask you to share OTPs to reverse transactions

Other Things You Can Do with FNB eWallet

Buy Prepaid Services

You can use your eWallet balance to buy:

• Airtime – For yourself or others
• Data bundles – Stay connected
• Electricity – Prepaid tokens for your meter

To buy these: Dial *120*277# and select “Buy Prepaid” options.

Transfer to Your Bank Account

If you have an FNB bank account, you can transfer money from your eWallet into your account. This is useful if you want to save the money or pay bills.

1. Open the FNB App
2. Select the menu in the top left corner
3. Choose “eWallet”
4. Select “Transfer to Account”
5. Link your eWallet to your FNB account
6. Enter your cellphone number and OTP to verify
7. Transfer is free

Reverse an eWallet Payment

Made a mistake? You can reverse an eWallet transaction if the money has not been withdrawn yet.

How to reverse:

• Use the FNB App and go to eWallet section
• Or dial *120*321# on Cellphone Banking
• Or phone FNB Contact Centre on 087 575 9405

Important: There may be a fee for reversals. Reversals are not guaranteed if money was already withdrawn. Act quickly if you made a mistake.

Check Your eWallet Balance

You can check how much money is in your eWallet anytime:

• FNB App: Free balance check
• Dial *120*277#: Select “Balance Enquiry”
• USSD charges: May apply for cellphone banking

⚠️ Common Problems and Solutions

Problem: I Lost My PIN or It Expired

Solution: Request a new PIN easily:

• Dial *120*277# on your phone
• Select “Get New PIN”
• Or use the FNB App if you have one
• You will receive a new temporary PIN by SMS

Problem: I Have No Airtime to Dial *120*277#

Solution: Dial *130*277# instead. This lets you buy airtime from your eWallet money first. Then you can dial *120*277# to access other services.

Problem: The ATM Says “Invalid PIN”

Solutions to try:

• Check that your PIN has not expired (valid for 16 hours only)
• Request a new PIN by dialing *120*277#
• Make sure you are entering your cellphone number correctly
• Try a different FNB ATM

Problem: I Sent Money to the Wrong Number

Solution: Act immediately! Phone FNB Contact Centre on 087 575 9405. If the money has not been withdrawn yet, they can help reverse the transaction. There may be a fee. The sooner you report it, the better chance of recovery.

Problem: The Shop Says They Cannot Process eWallet

Solutions:

• Ask for the manager – not all cashiers know the system
• Try a different till or cashier
• Confirm the shop participates in eWallet@Till service
• Try another participating shop nearby
• Use an FNB ATM instead

Problem: My eWallet Money Disappeared

Possible reasons:

• 30 days passed – money returns to sender automatically
• Someone else withdrew it (possible fraud)
• Sender reversed the transaction

What to do: Phone FNB eWallet Call Centre on 087 575 9405. They can check the transaction history and tell you what happened.

✅ FNB Contact Numbers – Save These

Service	Phone Number
eWallet Help Line	087 575 9405
Fraud & Security Emergencies	087 575 9444 (24/7)
From Outside South Africa	+27 11 369 2924
Cellphone Banking	*120*321# (USSD)
eWallet Services	*120*277# (USSD)

How FNB eWallet Compares to Other Services

Service	Bank	Key Features
eWallet	FNB	Withdraw at shops for FREE, up to R15,000 per send
Instant Money	Standard Bank	Similar service, works at Shoprite, Checkers, Pick n Pay
Send iMali	ABSA	Similar features, withdraw at ATMs and shops
Cash Send	Nedbank	Withdraw at ATMs, Boxer, Pick n Pay, Shoprite

All major South African banks offer similar mobile money services. FNB eWallet is popular because you can withdraw for FREE at many shops. This saves money compared to ATM fees.

Best Practices for Senders:

• Always double-check the cellphone number before sending money
• Use the FNB App for best send limits (up to R15,000)
• Keep records of all transactions for your own safety
• If you have Easy Bundle, Aspire, Premier, or Private Clients accounts, use your one free eWallet per month

Best Practices for Receivers:

• Activate your eWallet within 12 business days
• Withdraw at shops like Shoprite or Pick n Pay to avoid the R11 ATM fee
• Never share your PIN or OTP with anyone
• Use the money within 30 days or it returns to sender
• Set up a SIM swap PIN with your mobile provider for extra security

When to Use FNB eWallet:

• Sending money to family who do not have bank accounts
• Paying domestic workers or casual labour
• Emergency money transfers when someone needs cash quickly
• Sending small amounts where bank transfers have high fees

When NOT to Use FNB eWallet:

• Paying for online purchases from unknown sellers
• Sending money to people you have never met in person
• Very large amounts – use bank transfers for better records
• When someone pressures you to send money urgently

FNB eWallet is a safe and convenient way to send money in South Africa when you follow these safety rules and best practices.