FNB South Africa Send Money, Withdraw, Reverse Payment

FNB eWallet is a service provided by First National Bank (FNB) that allows FNB customers to create and fund an electronic store of value from their FNB account. This eWallet can then be accessed by a nominated beneficiary with a valid South African cellphone number. The funds can be accessed and managed via various FNB channels, including FNB ATMs, FNB Cellphone Banking, the FNB App, or FNB Online Banking.

How to Send an eWallet on the FNB App

Step 1: Login to the FNB App. Step 2: Select “Payments.” Step 3: Choose “Send Money.” Step 4: Select the account you want to use. Step 5: Enter the amount and select the cellphone number from your contact list or manually enter the cellphone number. Step 6: If you wish the recipient to receive a PIN via SMS for ATM withdrawal, check the box. Step 7: Confirm the transaction to successfully send an eWallet.

Common Questions About FNB eWallet

1. What happens if I send money to an incorrect cellphone number? If you send money to an incorrect cellphone number, please contact the eWallet call center at 087 575 9405. Please note that there may be a charge for requesting a reversal.

2. What is the maximum balance of the eWallet? The maximum balance allowed in an eWallet is R3,000.

3. What is the maximum amount an FNB customer can send to an eWallet? The maximum amount that can be sent to an eWallet depends on the channel used for sending:

  • Online Banking: R3,000
  • Cellphone Banking: R1,500
  • FNB Banking App: R3,000
  • FNB ATM: R1,500 Please note that these limits may be reduced if the system identifies the transaction as potentially fraudulent.

4. How does the recipient get cash from the eWallet? The recipient can dial 120277# and select ‘Withdraw Cash,’ then ‘FNB ATM.’ They will receive an SMS with a temporary ATM PIN to withdraw cash at an FNB ATM.

How to Reverse an eWallet Transaction


  • Dial 120321# on your mobile phone.
  • Select ‘Send Money,’ then ‘eWallet Reversal.’
  • Choose the transaction to reverse and follow the prompts to complete the reversal.

Using the FNB App:

  • Open the FNB app.
  • Navigate to ‘My Debit Orders’ under the ‘Debit Orders’ tab.
  • Select the transaction to reverse, provide a reason, and confirm your decision.

Reversal Timeframe and Fees:

  • Reversal processing time may take between 4 to 15 business days.
  • A reversal fee of R50 is charged

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