1. You register using your cellphone and SA ID number
2. You load money into your wallet
3. You send money to any SA cellphone number
4. The person gets a voucher number and PIN
5. They collect cash at a shop or ATM

• Send money to any SA cellphone number
• Receive money from others
• Transfer to another Instant Money Wallet (free)
• Pay money into a Standard Bank account
• Buy airtime and data
• Buy prepaid electricity
• Withdraw cash at shops and ATMs
• Link a prepaid debit card

1. Dial *120*212# on your phone
2. Select “Register” from the menu
3. Enter your SA ID number
4. Create a 5-digit wallet PIN
5. Confirm your PIN
6. Your wallet is now ready to use

1. Download the Instant Money app from Play Store or App Store
2. Open the app and tap “Register”
3. Enter your cellphone number
4. Enter your SA ID number
5. Create your wallet PIN
6. Follow the steps to complete registration

1. Go to any participating retailer (Shoprite, Pick n Pay, Spar, etc.)
2. Bring your original SA ID
3. Ask the cashier to help you register
4. Give your cellphone number
5. Create your wallet PIN

• Your wallet PIN must be 5 digits
• Do not use easy PINs like 12345 or your birth year
• Keep your PIN secret – never share it with anyone
• You can only have one wallet per cellphone number

1. Dial *120*212#
2. Enter your 5-digit wallet PIN
3. Select “Send Money” or “Create Voucher”
4. Enter the recipient’s cellphone number
5. Enter the amount (R50 to R5,000)
6. Create a 4-digit collection PIN
7. Confirm the transaction
8. Share the PIN with the recipient

1. Open the Instant Money app
2. Log in with your PIN or fingerprint
3. Tap “Send Money”
4. Enter the recipient’s number
5. Enter the amount
6. Create a 4-digit collection PIN
7. Confirm and send

1. Go to a participating retailer
2. Bring your original SA ID
3. Tell the cashier you want to send Instant Money
4. Give your cellphone number and the recipient’s number
5. Give the cashier the cash plus the sending fee
6. You will get an SMS with the voucher number
7. Create a 4-digit PIN and share it with the recipient

Sending from one Instant Money Wallet to another Instant Money Wallet is FREE. This saves you money on fees!

1. Go to any participating retailer (Shoprite, Pick n Pay, Spar, PEP, etc.)
2. Tell the cashier you want to collect Instant Money
3. Give them the 10-digit voucher number
4. Enter the 4-digit collection PIN on the keypad
5. Collect your cash

Note: You do not need ID to collect at a store. You just need the voucher number and PIN.

1. Go to any Standard Bank ATM
2. Select “Cardless Banking” or “Instant Money”
3. Select “Withdraw Money”
4. Enter the 10-digit voucher number
5. Enter the 4-digit collection PIN
6. Enter the amount you want to withdraw
7. Collect your cash

Note: ATMs only give R50 and R100 notes. Choose an amount that works with these notes.

Instead of withdrawing cash, you can save the money in your wallet.

1. Dial *120*212#
2. Enter your wallet PIN
3. Select “Manage Vouchers”
4. Select “Top up with Instant Money voucher”
5. Enter the voucher number and PIN
6. The money will be added to your wallet balance

• Receiving money is FREE – no charges
• Vouchers are valid for 3 years
• You can withdraw up to R5,000 per day
• You can withdraw up to R25,000 per month

• Send larger amounts to pay less per Rand (R19 for R5,000 vs R10 for R400)
• Use wallet-to-wallet transfers when possible – they’re FREE
• PEP is 5 cents cheaper than other retailers for sending
• Buy airtime and data through the wallet – no extra fees

Look for the Standard Bank Instant Money sign at participating stores. If you’re not sure, ask at the till if they accept Instant Money.

1. Dial *120*212# or open the app
2. Enter your wallet PIN
3. Select “Buy Airtime”
4. Choose your network (Vodacom, MTN, Cell C, Telkom)
5. Enter the cellphone number
6. Enter the amount
7. Confirm the purchase

Fee: FREE | Daily Limit: R500

1. Dial *120*212# or open the app
2. Enter your wallet PIN
3. Select “Buy Data”
4. Choose your network
5. Select the data bundle you want
6. Enter the cellphone number
7. Confirm the purchase

Fee: FREE

1. Dial *120*212# or open the app
2. Enter your wallet PIN
3. Select “Buy Electricity”
4. Enter your meter number
5. Enter the amount
6. Confirm the purchase
7. You will receive your electricity token by SMS

Fee: R1 | Daily Limit: R1,500

Someone calls pretending to be from Standard Bank. They say there is fraud on your account. They ask you to send an Instant Money voucher to yourself to “stop the fraud.” This is a scam!

Criminals call and say you need to create an Instant Money voucher to “verify your identity” or “authenticate your account.” Banks never ask for this!

Scammers say they will help you reverse a debit order. They ask you to send Instant Money to complete the reversal. This is fake!

Criminals use AI to clone voices. They may sound exactly like a bank employee. The caller ID may even show a real Standard Bank number. Do not trust callers asking for your details!

• NEVER send an Instant Money voucher to yourself when someone asks you to
• NEVER share your voucher number or PIN with anyone who calls you
• NEVER create vouchers for “authentication” – banks do not ask for this
• NEVER click links or scan QR codes from SMS messages
• NEVER share your OTP (One-Time PIN) with anyone on the phone
• NEVER transfer money to a “safe account” – this is always a scam

Standard Bank will NEVER ask you to send money to yourself. If someone asks you to do this, it is a scam. Hang up immediately.

• Standard Bank Fraud Line: 0800 020 600 (24 hours)
• Standard Bank Fraud Line: 0800 222 050
• Email: Reportfraud@standardbank.co.za
• Instant Money Help: 0860 466 639

Call the Instant Money contact centre on 0860 466 639. They can help you reset your PIN.

Call 0860 466 639 and select option 1 for self-service. Spar stores can also resend the last voucher if you have your ID.

Your PIN is now blocked. The sender must change the PIN using the app, internet banking, or by calling 0860 466 639.

You can cancel on the same channel you used to send. Note: The sending fee is not refunded when you cancel.

If Standard Bank cannot solve your problem, you can contact:

• National Financial Ombud Scheme: 0860 324 766
• Address: 110 Oxford Road, Houghton Estate, Johannesburg, 2198
• Postal: P.O. Box 32334, Braamfontein, 2017

No. You only need a South African ID and a cellphone number. No bank account is required.

Vouchers are valid for 3 years from the date they were created.

You can send up to R5,000 per day and R25,000 per month per cellphone number.

Your wallet can hold a maximum of R25,000 per month.

No. Instant Money only works within South Africa. The recipient must have a South African cellphone number.

Your wallet PIN is 5 digits and gives you access to your wallet. The voucher PIN is 4 digits and is used to collect cash from a specific voucher.

Yes, at retail stores you can withdraw part of the amount. At ATMs, you must withdraw the full amount.

You must be 16 years or older to register for an Instant Money Wallet.

Standard Bank Instant Money has the largest retail partner network in South Africa with over 15,000 locations. Vouchers are also valid for 3 years, which is longer than most other services.