Quick Facts

• Free to receive Instant Money vouchers
• Redeem at over 1000+ locations nationwide
• Vouchers valid for 3 years
• No bank account needed for Instant Money

Understanding Standard Bank Vouchers

Standard Bank offers three main types of vouchers in South Africa. Each works differently, so it’s important to know which one you have.

1. Instant Money Vouchers – Cash sent to your phone that you can collect at retailers or ATMs

2. UCount Rewards Points – Loyalty points you earn and can spend at participating shops

3. Digital Gift Vouchers – Electronic vouchers for services like Spotify, Showmax, or Steam

This guide shows you how to redeem each type, step by step.

Redeeming Instant Money Vouchers

What You Need

Before you start, make sure you have:

• Voucher Code – 10-digit number sent via SMS
• PIN Code – 4-digit number (sender gives you this)
• Your Cellphone – Must be the number the voucher was sent to
• Your ID – Some retailers may ask for identification

Method 1: Redeem at Retailers

You can collect your money at these stores:

• Pick n Pay (best option – most locations)
• Shoprite and Checkers
• SPAR
• PEP (cheapest fee at R9.90)
• Boxer
• Selected petrol stations

Step 1: Go to the customer service desk or money counter at the store.

Step 2: Tell them you want to withdraw Instant Money.

Step 3: Give the cashier your 10-digit voucher code.

Step 4: Enter your 4-digit PIN when asked.

Step 5: Confirm your cellphone number.

Step 6: Count your cash immediately and keep your receipt.

Method 2: Redeem at Standard Bank ATM

Step 1: Find a Standard Bank ATM (look for blue and white logo).

Step 2: Select “Cardless Transactions” or “Services”.

Step 3: Choose “Instant Money Withdrawal”.

Step 4: Enter your 10-digit voucher code.

Step 5: Enter your 4-digit PIN.

Step 6: Confirm the amount and your cellphone number.

Step 7: Take your cash and receipt.

Daily Limits

Location	Daily Limit
Retailers (PEP, Pick n Pay, etc.)	R5,000 per day
Standard Bank ATMs	R3,000 per withdrawal
Instant Money Wallet	R25,000 per month

✅ Using UCount Rewards Points

UCount Rewards is Standard Bank’s loyalty programme. You earn points when shopping and can use them to pay for things. This is not a voucher – it’s points on your account.

Getting Your UCount Rewards Card

Before you can use your points, you need a UCount Rewards Card:

• Visit any Standard Bank branch and ask for one (free)
• Order online via the Banking App
• Call UCount on 0860 82 68 68

Important: You must activate your card before using it. Activate through the Banking App or online at the UCount website.

Where to Spend Your Points

You can use your UCount Rewards Card at these retailers:

• Checkers and Shoprite – Pay for groceries in-store or on Sixty60
• Caltex and Astron Energy – Pay for fuel and food
• Makro – Buy electronics, furniture, and more
• FreshStop – Convenience store purchases
• Online Redemption Portal – Airtime, data, vouchers

How to Pay with Points

Step 1: Shop at any participating retailer.

Step 2: At the till, tell the cashier you want to pay with UCount Rewards.

Step 3: Swipe your UCount Rewards Card.

Step 4: Enter your PIN.

Step 5: If you don’t have enough points, you can pay the rest with cash or your bank card.

Understanding Points Value

Your UCount Rewards Points are worth money:

• 10 points = R1
• 100 points = R10
• 1,000 points = R100

Digital Gift Vouchers

Standard Bank customers can buy electronic vouchers through the Banking App for services like streaming, gaming, and shopping.

Available Voucher Types

• Streaming: Showmax, Spotify, Netflix
• Gaming: PlayStation Store, Steam, Xbox
• Shopping: 1Voucher, BluVoucher, OTT Voucher
• Gambling: Hollywoodbets, Betway (must be 18+)

How to Redeem Your Voucher

After buying a voucher through the app, you’ll receive an email with:

• Redemption code
• Instructions on how to use it
• Terms and conditions

Follow the instructions in the email. Each service has different steps. For example:

• Showmax: Log in, go to Account, enter voucher code
• Steam: Open Steam, go to Games → Redeem a Steam Wallet Code
• 1Voucher: Visit partner websites (visit www.1voucher.co.za for list)

Costs and Fees (2025)

Service	Cost
Receiving Instant Money	FREE
Sending Instant Money (retail)	R9.90 (PEP) to R9.95
Sending Instant Money (Banking App/ATM)	R10
Creating Instant Money voucher on Wallet	R7
Wallet to Wallet transfer	FREE
UCount Rewards monthly fee	R25
Using UCount Rewards Card	FREE
Digital gift vouchers	R2.95 per voucher

Remember: All fees include VAT. Prices are effective from January 2025.

🚨 URGENT: Protect Yourself from Scams

Fraudsters are using Instant Money vouchers to steal from people. Here’s what you need to know to stay safe.

Common Scams to Watch For

NEVER Share These Things

• One-Time PIN (OTP)
• ATM PIN
• Online banking password
• CVV (3 digits on back of card)
• Full card number or expiry date
• Instant Money voucher codes and PINs

What to Do If You’re Targeted

1. Stop immediately – Don’t follow any instructions from the caller.

2. Hang up – End the call right away.

3. Call Standard Bank – Use the official number: 0860 123 000

4. Report fraud – Call 0800 222 050 or email Reportfraud@standardbank.co.za

5. Contact police – Report to SAPS if you lost money.

⚠️ Troubleshooting Common Problems

Problem: Invalid Voucher Code

Possible causes:

• You typed the code incorrectly – check all 10 digits carefully
• The voucher was already used
• The voucher was cancelled by the sender

Solution: Contact the person who sent you the voucher to confirm the code. If still not working, call Instant Money support: 0860 466 639

Problem: Wrong PIN

Solution: The sender chose the 4-digit PIN. Ask them to confirm it. If they forgot, they can reset it through their Banking App or by calling Standard Bank.

Problem: ATM Didn’t Dispense Cash

Solution: Keep your receipt. Visit the nearest Standard Bank branch or call 0860 466 639 immediately to report the problem.

Problem: UCount Card Not Working

Possible causes:

• Card not activated
• Not enough points for purchase
• Wrong PIN entered

Solution: Check your points balance (SMS “Balance” to 45224). Make sure you activated your card. Call UCount: 0860 82 68 68

Problem: Voucher About to Expire

Instant Money vouchers last 3 years. If your voucher is old but still valid, redeem it as soon as possible. After 3 years, the money returns to the sender’s account.

Important Contact Numbers

Standard Bank Main Line	0860 123 000
Instant Money Support	0860 466 639
UCount Rewards	0860 82 68 68
Fraud Hotline	0800 222 050
Email for Fraud Reports	Reportfraud@standardbank.co.za

Best for beginners: Start with Instant Money at Pick n Pay or Shoprite. They have the most locations and helpful staff who can guide you through the process.

For lowest fees: Use PEP to withdraw Instant Money (R9.90 instead of R9.95) or withdraw at a Standard Bank ATM.

For UCount users: Activate your Rewards Card immediately after receiving it. Use it at Checkers or Shoprite where you already shop for groceries.

Safety first: Never trust anyone who calls claiming to be from the bank and asks for voucher codes, PINs, or OTPs. Hang up and call Standard Bank directly.

Keep records: Always keep your receipts and SMS confirmations. If something goes wrong, these documents help you prove what happened.