How to Withdraw from eWallet

An easy-to-follow guide on withdrawing from eWallet

Written by Jack Lloyd

Last Updated: March 24, 2023

South Africa's eWallet is a service offered by First National Bank (FNB) that allows bank members to send money to individuals who have an active South African mobile phone number. You can withdraw your funds directly from FNB ATMs, or you can withdraw from select retail stores. Please note that FNB's eWallet service will only work on mobile phones with current airtime; similarly, withdrawing from eWallet can only occur in South Africa.

Method 1

Method 1 of 2:

Withdrawing from FNB ATMs

1
Prepare to initiate the withdrawal process. Withdrawing from an FNB ATM requires you to use your mobile phone to request a withdrawal and an accompanying PIN; you will then have to travel to the closest ATM to withdraw your money.
- Since the PIN expires within a few hours of you receiving it, consider going through the mobile phone part of the process while at the ATM.
2
Dial "*120*277#" to access eWallet. Exclude the quotation marks.
- If you don't have airtime, you can dial "*130*277#" without the quotation marks to buy airtime. Follow the directions on your screen to do so.
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3
Press "1" to select "Withdraw Cash".^{[1]
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4
Press "1" to select "Get ATM PIN". Your eWallet will send you a text message that contains a unique four-digit PIN. The PIN will expire in 16 hours from the time you receive the text message.
5
Visit the FNB ATM closest to you. Make sure that you can get to an ATM well within 16 hours of receiving your PIN.
6
Press “Enter/Proceed” on the ATM keypad. This is the green button on most ATM keypads.
- You can also select "Cardless Services".
7
Select "eWallet Services" on the following screen.
8
Enter your mobile phone number on the keypad, then select "Proceed."
- You must have a valid South African phone number at the time of this withdrawal to proceed.
9
Enter the four-digit eWallet PIN you received via text message.
10
Enter a withdrawal amount. This amount must be less than or equal to the funds in your account. The ATM should dispense your cash accordingly.^{[2]
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11
Verify that your transaction has ended before leaving the ATM. You have successfully withdrawn money from eWallet via ATM!
- You can also press "Cancel" to void the transaction.

Method 2

Method 2 of 2:

Withdrawing from Retail Stores

1
Prepare to initiate the withdrawal process. Withdrawing from an FNB-supported retailer requires you to use your mobile phone to request a withdrawal and an accompanying PIN; you will then have to travel to the closest supported retail store to withdraw your money.
2
Dial "*120*277*4#" to access eWallet. Exclude the quotation marks.
3
Press "1" to select "Withdraw Cash". This will take you to the PIN screen.^{[3]
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4
Press "1" to select "Get Retail PIN". Your eWallet will send you a one-time PIN (OTP) that expires 30 minutes after being delivered.^{[4]
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- To avoid your PIN expiring--and thus having to go back through the withdrawal process--consider having your PIN sent to you while in a supported retail store.
5
Visit any one of the following South African retail stores. The following is a comprehensive list of all eWallet-supported retailers in South Africa:
- Savoy SPAR
- Myezo SPAR
- Sutherland Ridge SUPERSPAR
- Northcrest SUPERSPAR
- Ngqeleni SUPERSPAR
- Lighthouse SPAR
- Lighthouse TOPS
- Bray's SPAR
- Limpopo SPAR
- Limpopo TOPS
- Thohoyandou SPAR
- Thohoyandou TOPS
- Randgate SPAR
- Randgate TOPS
- Umlazi Megacity SPAR
- Umlazi TOPS
6
Make a purchase at a supported retailer using a credit or debit card. You cannot withdraw from eWallet without first making a purchase with a card.
7
Select "Withdraw cash" at checkout. You may have to ask your retailer to enter this information for you.
8
Select "Withdraw cash from eWallet" on the following screen.
9
Specify the amount of cash you want withdrawn from eWallet. This amount must be less than or equal to the funds in your account.
10
Enter your mobile phone number when prompted. The cashier may ask you for your mobile phone number as well.
11
Enter your one-time PIN to complete the process. Your cashier should provide you with the appropriate amount. You have successfully withdrawn money from eWallet via retailer!
- There is no fee for withdrawing cash when making purchases at participating retail stores.

Community Q&A

Question

How can I do eWallet on FNB?

wikiHow Staff Editor
Staff Answer
This answer was written by one of our trained team of researchers who validated it for accuracy and comprehensiveness.

wikiHow Staff Editor

Staff Answer

To begin, you’ll need to be a transactional account holder with FNB. This gives you access to mobile phone or online banking (you get to choose from a web account or an FNB app). If you don’t have either connection, you can use an ATM in an FNB building. To use, you simply select the eWallet option on the main menu of your web or app account on your mobile phone, add the mobile number and the amount you want to send. The money will be sent to the recipient and they’ll also get instructions on how to withdraw the funds.
Question

How do you receive money on eWallet?

wikiHow Staff Editor
Staff Answer
This answer was written by one of our trained team of researchers who validated it for accuracy and comprehensiveness.

wikiHow Staff Editor

Staff Answer

To receive money on eWallet, you’ll need a mobile phone. Instructions on withdrawing the money are sent with the transaction and the steps in the article above will walk you through exactly what to do to withdraw the funds once you’ve received them.
Question

Can you reverse an eWallet transfer?

wikiHow Staff Editor
Staff Answer
This answer was written by one of our trained team of researchers who validated it for accuracy and comprehensiveness.

wikiHow Staff Editor

Staff Answer

The bank provides a way to cancel a mistaken transaction. The moment you realize it needs to be cancelled, contact the FNB eWallet number for mobile phone banking and speak to the assistant. Or, dial *120*321# on your mobile phone, select alternative 4 for "Send Money," then select alternative 5 for "eWallet Reversal" and choose the relevant transaction. Another possible approach is to call the bank’s Complaints Resolution desk.