In short: If you searched for Standard Bank CashSend, the current personal product name on Standard Bank’s site is Instant Money. You send a voucher to a South African cellphone number; the recipient gets a voucher number by SMS; you share the 4-digit cash collection PIN; they withdraw at a participating retailer or, for eligible send routes, a Standard Bank ATM (or load into Instant Money Wallet). Fees, partners and limits change. Confirm live on Standard Bank. Not financial advice.
Sources: Standard Bank Instant Money product; Standard Bank – how to send Instant Money; Standard Bank – Instant Money closer to you; Instant Money terms and conditions (Standard Bank PDF).
CashSend versus Instant Money
People still type “CashSend” because other banks use CashSend or Send Cash labels. On Standard Bank channels, look for Instant Money on the transaction, SMS or app menu. Use the name on your voucher before you travel to collect. This page covers send and withdraw together. For a redemption-partner focus only, see where to redeem Instant Money vouchers. Full product hub: Standard Bank Instant Money.
How to send Instant Money (app pattern)
Standard Bank’s help centre flow is typically:
- Home → Transact → Send → Send a voucher to someone else (you can also send yourself a voucher or manage existing vouchers).
- Enter the recipient’s name, South African cellphone number and your reference.
- Choose the account to pay from and the amount.
- Create or generate the 4-digit cash collection PIN.
- Review, Confirm, and enter any OTP the bank sends (Standard Bank notes DigiME-linked profiles may skip OTP).
Other send channels Standard Bank lists include Online Banking, Cellphone Banking, Standard Bank ATMs, partnered retailers, Instant Money Wallet and Bulk Payments for businesses. At a retail till, Standard Bank asks the sender for a South African ID or Smart ID, the sender’s cellphone number and the recipient’s cellphone number.
How to withdraw / redeem
- Recipient needs the voucher number (SMS) and the 4-digit PIN from the sender.
- At a participating retailer: ask for Instant Money / withdraw money, enter voucher and PIN, show ID if asked, collect cash.
- At an eligible Standard Bank ATM: choose Instant Money / withdraw money, enter voucher and PIN, collect cash.
- Or use Instant Money Wallet self-service on *120*212# where Standard Bank supports that route.
Important Instant Money term: vouchers issued by a participating merchant cannot be collected at a Standard Bank ATM. Redeem those at a participating merchant. If an ATM cannot dispense small notes, Standard Bank’s learn content suggests trying a participating retailer.
Fees and limits (confirm live)
On the Instant Money product page, Standard Bank has shown retail-channel fees around R9.95 (with a PEP example of R9.90) and bank-channel bands of R10 (R50-R499), R20 (R500-R999) and R30 (R1 000 and above), pointing to the current pricing guide. Learn-page withdraw guidance includes up to R5 000 per day and R25 000 per month, subject to cash and partner limits. Vouchers are ordinarily valid for 3 years (bulk clients may shorten). Always confirm before you send.
If the SMS or PIN is missing
Call Instant Money on 0860 466 639, use *120*212#, or manage vouchers in the app. Standard Bank notes SPAR can re-send the last active voucher with proof of ID in the scenario it describes. Share the collection PIN only with the real recipient. Report fraud on Standard Bank’s published fraud lines, not via a random WhatsApp number.
Last checked: September 2026 against Standard Bank Instant Money product, send-help and learn pages and Instant Money terms themes. This is the CashSend search / send-and-withdraw bridge, not the locations-only guide. Confirm live. Not financial advice.