In short: You can withdraw an FNB eWallet without a bank card. Dial *120*277#, choose Get Cash, then use the temporary ATM PIN FNB sends by SMS (valid for 16 hours per FNB’s Product Guidelines). At an FNB ATM, open eWallet Services without inserting a card, enter your cellphone number and that PIN, and choose an amount. Balances under R20 need the retailer OTP path instead. Or cash out at participating retailers (FNB lists partners such as Pick n Pay, Checkers, Shoprite, Usave, PEP and Ackermans; confirm live). Not financial advice.
Sources: FNB eWallet; FNB eWallet Product Guidelines.
What this page covers (and what it does not)
This keeper is only about collecting eWallet cash when you have no bank card. It is not the reverse / reclaim path for a sender who needs money returned, and it is not the wider “emergency cash” hub that compares every bank’s cardless options. For those, see how to reverse an FNB eWallet and emergency cardless cash.
Get a temporary ATM PIN
- Dial *120*277# on the cellphone number that received the eWallet SMS.
- Follow the menu to activate if you have not already, then choose Get Cash.
- FNB SMSes a temporary ATM PIN. Product Guidelines: that OTP is valid for 16 hours from the time it is sent. If it expires, request a new one the same way.
If you do not have airtime for the USSD, FNB’s help material points you to top up first, then return to *120*277#. Keep the PIN private. FNB will not phone you and ask you to read it out to “unlock” the wallet.
Withdraw at an FNB ATM (no card)
- Do not insert a card. On the ATM, choose Proceed / Enter or Cardless Services, then eWallet Services (wording can vary by machine).
- Enter the cellphone number linked to the eWallet.
- Enter the temporary ATM PIN from the SMS.
- Choose the amount, take the cash, and end the session.
Product Guidelines: temporary ATM PINs cannot be used when the eWallet balance is under R20. For smaller balances, dial *120*277*4# for a till OTP (per FNB’s eWallet page) and cash out at a participating store instead.
Withdraw at a retailer
FNB’s eWallet page describes cash-out at selected retailers and AgencyPlus where FNB lists them. Partners commonly listed include Pick n Pay, Checkers, Shoprite, Usave, PEP and Ackermans. Tell the cashier you are collecting an FNB eWallet, give the cellphone number, and enter the OTP on the card machine when asked. Store participation can change, so check FNB’s live list or GEO locator before you queue.
Limits and fees (confirm live)
- Maximum amount in the eWallet at any time: R10 000 (Product Guidelines).
- Use of funds limited to R5 000 in a day and R24 999 in a month (same PDF).
- Recipient does not pay to hold the eWallet; the sender pays to create it. ATM or retailer cash-out fees can apply depending how the eWallet was created. Check FNB’s pricing guide.
Activate within the window FNB publishes (Guidelines: activate within 14 days of the activation SMS or funds can return to the sender). Lost phone: block the SIM with your network and call FNB eWallet help on 087 575 9405 (number in the Guidelines).
Compare other cash products: cash send options in South Africa.
Last checked: September 2026 against FNB eWallet page and Product Guidelines PDF. Retailers, limits and fees change. Confirm on fnb.co.za. Not financial advice.