Quick Facts

• You can withdraw cash at over 25,000 till points across South Africa
• No bank card needed – just your ID and cellphone
• Shoprite withdrawal fee is only R5 per transaction
• Most withdrawals happen instantly
• Available at Shoprite, Checkers, Usave, Pick n Pay, and more

What You Need to Know First

You do not need a bank card to get cash at Shoprite stores. There are many ways to withdraw money without a card. This is very helpful if you lost your card or you do not have a bank account.

Shoprite has over 25,000 till points across South Africa. You can withdraw money at Shoprite, Checkers, Usave, Checkers Hyper, and other partner stores. The service is open during store hours, including weekends.

This guide explains five different ways to withdraw money at Shoprite without a card. Each method has different requirements and costs. Read carefully to choose the best option for you.

✅ Five Ways to Withdraw Money Without a Card

Here are the five main methods you can use:

Bank Cardless Services – Step by Step

FNB eWallet – How It Works

What the sender does:

1. Log in to FNB Banking App, Online Banking, or dial *120*277#
2. Select “Send Money” then “eWallet”
3. Enter your cellphone number and the amount
4. The sender gets a reference number

What you do to collect:

1. Dial *120*277# from your phone
2. Select option 1 for “Get Cash”
3. Choose “Cash at Store”
4. You get an OTP (one-time PIN) by SMS – it is valid for 30 minutes
5. Go to Shoprite, Checkers, Pick n Pay, or any partner store
6. Tell the cashier you want to withdraw eWallet money
7. Give them your cellphone number
8. Enter the OTP on the pin pad when asked
9. Receive your cash immediately

Standard Bank Instant Money

How to collect:

1. The sender gives you a voucher number and a PIN
2. Keep these numbers safe and private
3. Go to Shoprite, Checkers, Pick n Pay, or other partner stores
4. Tell the cashier you want to collect Standard Bank Instant Money
5. Give them your voucher number
6. Enter your PIN on the pin pad
7. Show your ID if the cashier asks
8. Collect your cash – no withdrawal fee at stores

Where you can collect: Shoprite, Checkers, Usave, Pick n Pay, Spar, Game, Makro, Builders Warehouse, House & Home, OK Furniture, and selected spaza shops.

Nedbank Cardless Withdrawal

Collection steps:

1. You receive an SMS with a voucher number
2. You also get an OTP (one-time PIN) by SMS
3. The voucher is valid for 30 days only
4. Go to any Shoprite, Checkers, Usave, House & Home, OK Foods, or Pick n Pay
5. Tell the cashier you want Nedbank cardless withdrawal
6. Give them your voucher number
7. Enter the OTP on the pin pad
8. Collect your cash – withdrawal fee is R10

Capitec Cash Send

How to withdraw:

1. The sender gives you a reference number and a 4-digit secret PIN
2. Go to Shoprite Money Market counter, not the regular till
3. Tell the cashier you want to collect Capitec Cash Send
4. Give them the reference number
5. Show your South African ID or valid passport
6. Answer any security questions if asked
7. Enter your secret PIN
8. Receive your cash immediately

Where to collect Capitec Cash Send: Shoprite (Money Market counter), Checkers, Usave, Pick n Pay, Boxer, Game, PEP stores, or Capitec ATMs using cardless option.

ABSA CashSend

Collection process:

1. You receive a 10-digit reference number by SMS
2. You also get a 6-digit access code from the sender
3. Go to Shoprite, Checkers, Usave, or PEP stores
4. Request ABSA CashSend withdrawal from the cashier
5. Provide the reference number
6. Enter the access code on the pin pad
7. Collect your cash immediately

Shoprite Money Market Account

This is a full bank account from Shoprite. It has no monthly fees. You can receive your salary or SASSA grant. You withdraw cash for only R5 at any Shoprite till point.

How to Register

You can register in three ways:

Option 1: Register at a store

1. Go to any Shoprite, Checkers, or Usave store
2. Look for the Money Market counter or kiosk
3. Bring your original South African ID (green book or smart card)
4. Take a selfie at the kiosk
5. Provide your address and work details
6. Registration takes about 5 to 10 minutes
7. You get an Xtra Savings card to use at tills

Option 2: Register online

1. Visit moneymarketaccount.co.za on your phone or computer
2. Click “Register” and follow the steps
3. Upload a photo of your ID
4. Take a selfie holding your ID
5. Provide your details and address
6. Your account opens within 24 hours
7. You can collect your card at any Shoprite store

Option 3: Register using the Shoprite app

1. Download the Shoprite SA app from Google Play or App Store
2. Select “Money Market Account”
3. Follow the registration steps
4. Upload your documents through the app
5. Your account opens within 24 hours

How to Withdraw Money

1. Go to any Shoprite, Checkers, or Usave till point
2. Tell the cashier you want to withdraw cash
3. Swipe your Xtra Savings card or use the app
4. Enter your PIN on the card machine
5. Tell them how much you want to withdraw
6. You pay only R5 withdrawal fee
7. Collect your cash immediately

Important daily limits:

• Maximum R5,000 total cash deposits per day
• Maximum R10,000 total EFT payments into your account per day
• No limit on how much you can withdraw if the money is in your account

Benefits of Shoprite Money Market Account

• No monthly fees – completely free to use
• Cash deposits are free at all stores
• Send money to any SA cellphone for free
• Pay bills for free using the app
• Buy airtime, data, and electricity for free
• Cash withdrawal costs only R5 per transaction
• No debit orders allowed – you control your money
• Card replacement is free if lost or stolen
• Access to over 25,000 till points nationwide

SASSA Grant Cardless Withdrawals

If you receive a SASSA grant, you can collect your money without a SASSA card. SASSA sends a PIN or voucher number to your registered cellphone number.

How to Collect Your SASSA Money

1. Make sure your cellphone number is registered with SASSA
2. Wait for SASSA to send you an SMS with a voucher number or PIN
3. Go to Shoprite, Checkers, Pick n Pay, or Boxer store
4. Tell the cashier you want to withdraw your SASSA grant
5. Give them your voucher number or PIN
6. Show your ID if asked
7. Collect your grant money immediately

Switching SASSA to Shoprite Account

You can switch your SASSA payment to a Shoprite Money Market Account. The switch is completely free. This gives you more control over your money.

Benefits of switching:

• No monthly fees at all
• Only R5 per cash withdrawal
• No queue at Post Office
• Your money is safe in a bank account
• You can withdraw any time during store hours
• Over 25,000 locations to access your money
• SMS notifications when money arrives

How to switch:

1. Open a Shoprite Money Market Account (free)
2. Visit any SASSA office with your ID
3. Tell them you want to change your payment method
4. Give them your new Shoprite account details
5. SASSA processes the change – it takes about 1 month
6. Your grant will then go directly to your Shoprite account

Fees and Costs Comparison (December 2025)

Service	Sending Fee	Withdrawal Fee at Shoprite
FNB eWallet	R10 (sender pays)	FREE
Standard Bank Instant Money	R10.50 – R12.50 (sender pays)	FREE
Nedbank Cardless	R10 – R14 (sender pays)	R10
Capitec Cash Send	R8.50 (sender pays)	FREE
ABSA CashSend	R8.50 + R1.50 per R100 (sender pays)	FREE
Shoprite Money Market	FREE to send to others	R5

Daily and Monthly Limits

Service	Daily Limit	Monthly Limit
FNB eWallet	R5,000	R25,000
Standard Bank Instant Money	R5,000	No monthly limit
Nedbank Cardless	R5,000 (R2,500 default)	No monthly limit
Capitec Cash Send	R5,000	R25,000
SASSA Grants	R5,000	R25,000

🚨 Safety Warnings and Common Scams

IMPORTANT: Scams are increasing in South Africa. In 2024, over R1.4 billion was lost to digital banking fraud. You must protect yourself.

Never Share These Details

• Your PIN or OTP – No legitimate person will ask for this
• Reference numbers – Only give these to the cashier when withdrawing
• Security codes – These are for your eyes only
• ID number – Only show at legitimate stores, never via phone or SMS

Common Scam 1: Fake Bank Fraud Department

How it works: Someone calls claiming to be from your bank’s fraud department. They say there is a problem with your account. They ask you to transfer money or give them your codes.

The truth: Banks will NEVER ask you to move money or give codes over the phone. This is always a scam.

What to do: Hang up immediately. Call your bank yourself using the number on their website or your bank card.

Common Scam 2: Phishing SMS Messages

How it works: You receive an SMS that looks like it is from your bank or Shoprite. It has a link. The message says you must click to verify your account or collect money.

The truth: Banks and Shoprite never send links in SMS messages. These links take you to fake websites that steal your information.

What to do: Delete the SMS. Never click links. If you want to check your account, open your banking app directly.

Common Scam 3: SIM Swap Fraud

How it works: Criminals get a copy of your ID. They go to a cellphone shop and swap your number to a new SIM card. Then they receive all your banking messages and codes.

Warning signs:

• Your phone suddenly has no signal
• You cannot receive calls or SMS
• You get an SMS saying your number was transferred

What to do: Call your network provider immediately. Call your bank fraud line. Block your online banking.

Common Scam 4: ATM Helper Scam

How it works: Someone at the store or ATM asks you to help them withdraw money. They give you codes to enter. You are actually helping them steal from your account or someone else’s account.

What to do: Never enter codes for strangers. Never help people at ATMs or tills. Call store security if someone bothers you.

Common Scam 5: Voice Clone (AI) Scam

How it works: Scammers use AI technology to copy someone’s voice. They call you pretending to be your family member or bank manager. They ask for money or codes urgently.

What to do: Hang up. Call the person back on their known number. Ask a secret question only they would know. Never send money or codes based on phone calls only.

Common Scam 6: Fake SASSA/Shoprite Voucher Scam

How it works: You receive an SMS saying you won grocery vouchers from SASSA, Shoprite, or UNICEF. The message says you must pay a small fee to get your vouchers.

The truth: SASSA, Shoprite, and UNICEF never send vouchers via SMS. This is a scam to steal your money.

What to do: Delete the SMS. Never pay any fees. Report the scam to SABRIC.

Where to Report Scams and Fraud

• SABRIC (South African Banking Risk Information Centre): 0860 123 000
• FNB Fraud Hotline: 087 575 9444
• Standard Bank Fraud: 0800 020 600
• ABSA Fraud: 0860 557 557
• Nedbank Fraud: 0800 555 111
• Capitec Fraud: 0860 102 043
• Shoprite Money Market: 0860 010 709
• South African Police Service (SAPS): 10111 or visit your nearest police station

⚠️ What You Need to Withdraw Money

Documents Required

• Your ID: South African green book ID or smart card ID. Some services accept valid passports for foreign nationals.
• Your cellphone: The phone that received the money. It must be able to receive SMS messages.
• Airtime or data: Some services need you to dial USSD codes. If you have no airtime, you can use free dial codes like *130*277# for FNB.

Information You Must Have

• Reference number or voucher number: This comes by SMS from the bank
• PIN or OTP: Secret code to prove it is your money
• Your cellphone number: The number registered to receive the money

Age Requirements

You must be 18 years or older to withdraw money. If you are under 18, a parent or guardian must collect the money with you.

Time Limits (Very Important)

• FNB eWallet OTP: Valid for 30 minutes only – you must withdraw quickly
• FNB eWallet activation: Must activate within 12 business days or money returns to sender
• Standard Bank Instant Money: Usually expires after 30 days
• Nedbank voucher: Valid for 30 days from sending date
• Capitec Cash Send: No expiry date, but sender can cancel
• SASSA grants: No expiry, but must collect within reasonable time

Other Ways to Get Cash Without a Card

1. PayShap (New 2025 Service)

PayShap is a new instant payment service. Someone can send money directly to your bank account using only your cellphone number. The money reflects in your account within 10 seconds.

Available at: FNB, Standard Bank, ABSA, Nedbank, Capitec, TymeBank, Investec, Discovery Bank

Limit: R3,000 per transaction. Cost is around R7 per payment.

2. PEP Stores

You can withdraw money at PEP, PEP Home, or PEP Cell stores. These stores accept FNB eWallet, Standard Bank Instant Money, ABSA CashSend, and Capitec Cash Send.

3. Other Supermarkets

You can also withdraw at Pick n Pay, Boxer, Spar, Game, Makro, and Builders Warehouse. Check which banks they accept before going.

4. Post Office (For SASSA)

SASSA beneficiaries can collect grants at any Post Office. Bring your SASSA card and ID. No fees charged by the Post Office.

5. TymeBank Account

TymeBank is another no-fee bank account. You open it at Pick n Pay or Boxer stores. Similar to Shoprite Money Market but with different partners.

Your Consumer Rights and Protection

What Banks Must Do

• Send money within the time they promise
• Give clear information about fees before you send
• Keep your money safe
• Investigate fraud quickly
• Refund money if it was fraud (if you reported quickly)
• Protect your personal information under POPI Act

What Shoprite Must Do

• Process withdrawals immediately if you have correct codes
• Keep your information private
• Only charge the advertised fees
• Give you a receipt for every transaction
• Help you if there is a problem

How to Complain

Step 1: Contact the service provider first

• Call their customer service number
• Get a reference number for your complaint
• Keep records of all calls and messages
• They must respond within 20 business days

Step 2: Escalate to the Banking Ombudsman

If your bank does not help you, contact:

• Banking Ombudsman: 0860 800 900
• Email: info@obssa.co.za
• Website: www.obssa.co.za
• This service is free for consumers

Step 3: Report to Financial Sector Conduct Authority (FSCA)

• FSCA Toll-Free: 0800 110 443 or 0800 202 087
• Email: info@fsca.co.za
• Website: www.fsca.co.za

For Consumer Protection Issues:

• National Consumer Commission: 0860 003 600
• Email: complaints@thencc.org.za

Common Problems and Solutions

Problem: I did not receive the SMS with codes

Solutions:

• Check if your phone has signal
• Make sure your phone can receive SMS (not data only)
• Wait 5 minutes – sometimes SMS is delayed
• Check if your message inbox is full
• Contact the sender to resend
• Call the bank’s helpline for assistance

Problem: The cashier says my code is wrong

Solutions:

• Check you are using the correct code (OTP, PIN, or reference number)
• Make sure you did not type a zero (0) instead of letter O
• Check if your OTP expired (they last 30 minutes)
• Get the sender to send you a new code
• Try at a different till or store

Problem: I lost my codes

Solutions:

• Contact the person who sent you the money
• They can send you the reference number again
• For bank services, call their helpline to resend codes
• Check your SMS inbox – messages stay there

Problem: The money expired

Solutions:

• For most bank services, expired money returns to the sender
• Contact the sender to send it again
• Call the bank if money did not return after expiry
• Keep reference numbers to track the money

Problem: I withdrew wrong amount

Solutions:

• Most services require you to withdraw the full amount
• Check your SMS confirmation – it shows how much you withdrew
• Contact the bank immediately if you got wrong cash
• Keep your receipt as proof

Problem: Shoprite system is down

Solutions:

• Try a different store in your area
• Wait 30 minutes and try again
• Try a different retail partner (Pick n Pay, Checkers, PEP)
• Your money is safe – it will not disappear

For Regular Users

Open a Shoprite Money Market Account. At only R5 per withdrawal and no monthly fees, it saves you money over time. You can also receive your salary or SASSA grant. Registration is free and takes 10 minutes.

For Occasional Withdrawals

Use FNB eWallet or Standard Bank Instant Money. Both are free to withdraw at stores. Ask the sender to use these services to save on fees.

For SASSA Grant Recipients

Consider switching your SASSA payment to Shoprite Money Market. This gives you more control over your money. You avoid long queues at the Post Office. Withdrawals cost only R5.

Safety First

Never share your PIN, OTP, or reference numbers with anyone except the cashier when withdrawing. If someone calls asking for codes, hang up – it is a scam. Your bank will never ask you to move money or give codes over the phone.