In short: Standard Bank Instant Money (often called CashSend) can be redeemed at a Standard Bank ATM, via the Instant Money Wallet (*120*212#), or at participating retailers Standard Bank lists, such as PEP, Pick n Pay, Shoprite, SPAR, Boxer and Checkers. You need the voucher number and the 4-digit cash collection PIN. Merchant-issued vouchers cannot be cashed at an ATM. Confirm the live list on Standard Bank. Not financial advice.
Sources: Standard Bank: How to send Instant Money; Standard Bank Instant Money product; Instant Money terms and conditions (Standard Bank PDF).
Where Standard Bank says you can redeem
Standard Bank’s Instant Money product page and help page list these ways to redeem:
- Your Instant Money Wallet (Cellphone Banking *120*212#)
- Standard Bank ATMs (for vouchers issued through channels other than a participating merchant)
- Redemption retail partners on the product page: Boxer, Checkers, Flash, House and Home, Kazang, OK Furniture, OTT (select stores), PEP, Pick n Pay, R&A Cellular, Shop2Shop, Shoprite and SPAR
- The help page list also includes PEP Cell, PEP Home and Usave
Standard Bank’s help FAQ also mentions selected Cambridge Food stores. Partner lists change, so open Standard Bank’s live Instant Money pages before you travel. At a Flash, Kazang, R&A Cellular or Shop2Shop outlet, ask the shop whether it pays out Instant Money before you queue. Do not assume Game, Makro or other stores work unless Standard Bank currently lists them on the product or help pages.
What you need to collect
- Voucher number (SMS to the recipient)
- 4-digit cash collection PIN from the sender
- Valid SA ID if the merchant asks
Share the PIN only with the real recipient. Standard Bank Instant Money product page: vouchers are valid for 3 years (bulk clients may set a shorter period). If the SMS never arrives, Standard Bank’s product FAQ points senders to the Instant Money contact centre 0860 466 639 (self-service or consultant) and notes that SPAR can re-send the last active voucher with proof of ID in the scenario Standard Bank describes.
How to redeem at a retailer
- Go to a participating store till / money desk.
- Say you are collecting Standard Bank Instant Money.
- Give the voucher number.
- Enter the 4-digit PIN on the point-of-sale device.
- Show ID if asked and collect the cash.
Ask the cashier which Money Market / Instant Money option they use if the till menu is crowded. Keep the slip until you have counted the cash.
How to redeem at a Standard Bank ATM
- At a Standard Bank ATM, choose the Instant Money / withdraw-money option.
- Enter the voucher number and 4-digit PIN.
- Collect the cash.
Important Instant Money term: money from vouchers issued by a participating merchant cannot be collected at a Standard Bank ATM. Redeem those at a participating merchant. Vouchers issued through other Standard Bank channels may be collected at an ATM.
Limits and fees (confirm live)
Standard Bank Instant Money terms publish sender and receiver collect limits of up to R5 000 per day and R25 000 per month. Participating merchants may set lower till limits. Fees depend on how the voucher is sent. Standard Bank’s product page lists R9.95 to send at retail channels (R9.90 at PEP), and R10 (R50 to R499), R20 (R500 to R999) or R30 (R1 000 and above) on Standard Bank channels, in line with the 2026 Instant Money pricing guide. Always confirm the fee in the banking app or at the till before you send.
Related Instant Money guides
Last checked October 2026 against Standard Bank’s Instant Money product page, help page, Instant Money terms and 2026 pricing guide. CodeCash is independent of Standard Bank. Not financial advice.