How much does FNB eWallet cost in 2026?
What a FNB eWallet costs in 2026
FNB eWallet sends money to a South African cellphone number — the recipient withdraws the cash with no bank account and no card. Here's what it costs in 2026, from the official source, and how to pay the least.
| Send | R11 if you send R500 or less, R30 if more than R500 (from an FNB account); the wallet-to-wallet "eWallet eXtra" send is R10 |
| ATM withdrawal | 1 free withdrawal per payment received (max 4), then R11–R12 per R1,000 (FNB's own docs list both figures) |
| Till withdrawal | no charge at a retail till on the standard eWallet (Pick n Pay, Checkers, Shoprite, Usave, PEP, Ackermans) |
| PayShap | R3.50 to another bank / R1 FNB-to-FNB (transactional account) |
The standard eWallet gives 1 free ATM withdrawal per payment and free retail-till cash-out — withdraw at a till or use your free ATM draw.
Source: FNB eWallet + FNBy/Easy 2026/27 pricing guides (fnb.co.za/downloads)
How to send and withdraw a FNB eWallet
The recipient needs no bank account, no app and no card — just their cellphone number. Here are the steps:
- In the FNB app, or by dialling *120*277#, choose the send-to-a-cellphone product.
- Enter the recipient's cellphone number and the amount, then confirm.
- The recipient gets a code by SMS; at the till or ATM they present that code (and their cellphone number) to withdraw the cash.
- Where to withdraw: FNB ATMs, or Pick n Pay / Checkers / Shoprite / Usave / PEP / Ackermans tills (no card).
*120*277# still works (used for the ATM PIN); FNB's 2026/27 guide now leads with *120*321# and WhatsApp on 087 392 5538.
Limits & requirements
eWallet limits depend on your FICA verification level — verify the exact limit in the FNB app or at *120*277#.
FNB eWallet vs the alternatives
Total cost to send R500 to someone without a bank account (send + till withdrawal), computed from our verified 2026 fees:
| Product | Total (R500) |
|---|---|
| TymeBank SendMoneyCheapest | R10.00 |
| FNB eWallet(this page) | R11.00 |
| Nedbank Send iMali | R12.00 |
| Absa CashSend | R13.50 |
| Standard Bank Instant Money | R20.00 |
| Capitec Send Cash | verify |
| PayShap | R0–R5.50 (to a ShapID/account, no cash) |
Assumes a supermarket-till withdrawal (the cheapest channel); an ATM can cost more. PayShap goes to an account/ShapID, not cash — it's the alternative for a recipient who HAS an account.
Bottom line: for R500, the cheapest way to hand cash to someone without an account is TymeBank SendMoney, at R10.00 all-in (send + till withdrawal). Always compare the final amount before sending.
Frequently asked questions
What is the maximum amount on eWallet?
eWallet limits depend on your FICA verification level — confirm the exact limit in the FNB app or at *120*277#.
Can I send eWallet to Capitec?
An eWallet is sent to a CELLPHONE NUMBER, not a bank account. The recipient — even a Capitec customer — withdraws the cash at a till or ATM using the SMS code. To send to a Capitec account, use PayShap or an EFT instead.
How do I withdraw eWallet without a card?
Dial *120*277*4# and follow the menu to withdraw at a Pick n Pay, Checkers, Shoprite, Usave, PEP or Ackermans till.
Receiving money from abroad
These products are for sending money WITHIN South Africa to someone without a bank account — they are not international receive channels. To receive money from abroad, or to send it across the region (Zimbabwe, Malawi, Mozambique, Zambia), see our dedicated routes.
For example, to send to a mobile wallet in Zimbabwe, Malawi or Zambia, a remittance service like Mukuru, Mama Money or Hello Paisa handles it — not a bank cash-send product, which stays domestic to South Africa.