How to withdraw money without a bank card from South African banks

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Have you ever been in a situation where you have either lost or misplaced your bank card, or you have simply forgotten it at home but you need to withdraw cash from your account? Well many of us have found ourselves in this situation, I know I have.The good news is that most of the major banks allow you to send yourself and other people money using your cellphone number to withdraw cash at the ATM or supported till point. They charge you the sender a small fee and they do not charge the person withdrawing for the withdrawal. I will now share how you can withdraw money from different banks without a bank card.

How to withdraw money without a bank card using FNB - FNB eWallet

You can use cellphone banking, the app or online banking to send money using ewallet. The sending limit is R1500 using cellphone banking and R3000 using the App or online banking.

How to send eWallet using cellphone banking:

- Dial *120*321#
- Select 'Send Money'
- Select 'eWallet'
- Select the account you want to send money from
- Key in the cell phone number you want to send to
- Enter the amount you want to send
- Select 'Yes' to send an SMS with an ATM PIN to the recipient for easy withdrawal
- Confirm the amount and cellphone number

How to send eWallet using online banking:

- Login to your Online Banking profile
- Select 'Send Money'
- Select 'Once-Off'
- Enter the cellphone number of the recipient
- Enter the amount you would like to send
- Check the account you want to send money from (in the bottom right corner). If you would like to change the account, select the orange icon next to the account name.
- Check and confirm the transaction
- Enter your OTP (one time PIN)

How to send ewallet using FNB’s banking app:

- Login to FNB Banking
- Select 'Send Money'
- Select 'Send Money to eWallet'
- Select the account you want to send money from
- Enter the amount and cellphone you want to send to
- Select 'Send'
- Confirm

How to withdraw cash at atm once you have sent it and received sms:

- At the FNB ATM select 'Cardless Services'
- Select 'eWallet Services'
- Key in your cellphone number and select 'Proceed'
- Key in the ATM PIN you received via SMS
- Select the amount you want to withdraw
- Take your cash
- Make sure your transaction has ended or that you select 'Cancel' before leaving the ATM.

If you have not received eWallet sms do this:

- Dial *120*277# to access the eWallet
- Select 'Get cash'
- You'll receive an SMS with an ATM PIN

Cost of sending eWallet:

R10,95 for R0-R1000 and R13,95 for R1001-R3000

How to withdraw money from a standard bank account without a bank card - Standard Bank Instant money

You can send money using cellphone banking, internet baking or the banking app with Standard Banks instant money.

How to send money via Instant money using the Standard Bank Smartphone app:

- On homescreen of app, tap on transact
- Then select “Send Instant Money”
- Then Tap Send a voucher to “yourself” or “someone else” depending on who needs the cash.
- Select “Pay a new cellphone number”
- Enter beneficiary name, cell number and reference.
- Select if you would like to save beneficiary details for future payments
- Enter value of amount you would like to send up to R5000
- Choose a 4 digit pin or tap on generate pin to auto generate one.
- Tap on review to review details and confirm to complete process.

How to withdraw cash using Instant Money:

The recipient will receive a 14 digit voucher number by sms. This voucher number along with the 4 digit pin and their cellphone number can be used at any Standard Bank ATM to withdraw the money.


You can used selected retail outlets to send or withdraw Instant Money such as selected Spars.

How to withdraw money from absa without a bank card - ABSA CashSend

You can use online banking or cellphone banking for Sending money for someone to collect using their cellphone number at an ABSA ATM

How to CashSend with Cellphone banking:

- Login to cellphone banking & select cash send & cash payment
- Logoff and wait for a secure url to be sent to you via sms
- On the homepage select amount you want to send and the recipients cell number
- Create a 6 digit code which you must provide to recipient and confirm payment

How to CashSend via internet banking:

- Login to Absa Online and select ‘Payments’
- Select ‘Pay’ and ‘CashSend Payment’
- Select the account you want to withdraw from, the amount you wish to send and the recipient’s cellphone number
- Create a 6-digit access code, which you must give to the recipient, and confirm the payment

How to withdraw CashSend:

- Visit an Absa ATM and select ‘CashSend’ followed by ‘CashSend Withdrawal’
- Enter the 10-digit reference number that has been sent to your cellphone
- Enter the 6-digit access code, together with the exact amount being sent
- Once the transaction has been verified, the money will be issued to you
- Only the full amount can be withdrawn

How to withdraw money from Nedbank without a bank card - Nedbank Send-iMali

How to send money using online banking using Nedbanks Send-iMali service:

- Login into online banking click on “money transfer menu”
 - Select “Nedbank Send-iMali”
- Choose pay now
- Accept terms and conditions
- Enter payment details: choose account to send from, enter recipient name, phone number and amount to send.
- Check details you entered are correct and confirm to complete transaction.

How to withdraw money using Nedbanks Send-iMali:

- Dial *120*001# on your cellphone
- Select Nedbank Send-iMali
- Select “withdraw money”
- Choose the payment you have received
- You will then be notified that you will receive an OTP (one time password) via sms which you can use at the nearest Nedbank ATM to withdraw the money. Confirm this to receive sms.