First National Bank (FNB) in South Africa provides an eWallet service that allows bank members to send money to individuals with an active South African mobile phone number. You can withdraw funds directly from FNB ATM machines or from select retail locations. Please keep in mind that FNB’s eWallet service will only work on mobile phones with active airtime, and that withdrawals from eWallet can only be made in South Africa.
Method 1: Withdrawal from a FNB ATM
1. Prepare to begin the withdrawal procedure. To withdraw money from a FNB ATM, you must first use your mobile phone to request a withdrawal and an accompanying PIN; you must then travel to the nearest ATM to withdraw your money.
Because the PIN expires within a few hours of being issued, consider completing the mobile phone portion of the process while at the ATM.
2. To access eWallet, enter “*120*277#.” Remove the quotation marks.
If you don’t have any airtime, you can purchase some by dialling “*130*277#” without the quotation marks. To do so, follow the instructions on your screen.
3. Press “1” to select “Withdraw Cash”.
4. Select “Get ATM PIN” by pressing “1.” Your eWallet will send you a text message containing a one-of-a-kind four-digit PIN. From the time you receive the text message, the PIN will expire in 16 hours.
5. Visit the FNB ATM that is most convenient for you. Check to see if you can get to an ATM within 16 hours of receiving your PIN.
6. On the ATM keypad, press “Enter/Proceed.” On most ATM keypads, this is the green button.
You can also opt for “Cardless Services.”
7. Select “eWallet Services” on the following screen.
8. Enter your mobile phone number into the keypad, then press the “Proceed” button.
To proceed, you must have a valid South African phone number at the time of the withdrawal.
9. Enter the four-digit eWallet PIN you received via text message.
10. Enter the amount of your withdrawal. This sum must be less than or equal to the balance in your account. Your cash should be dispensed appropriately by the ATM.
11. Before leaving the ATM, double-check that your transaction has been completed. You have successfully withdrawn funds from your eWallet using an ATM!
You can also cancel the transaction by pressing “Cancel.”
Withdrawal from Retail Stores Method 2
1. Prepare to begin the withdrawal procedure. To withdraw money from a FNB-supported retailer, you must first use your mobile phone to request a withdrawal and an accompanying PIN; you must then travel to the nearest 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.
4. Select “Get Retail PIN” by pressing “1.” Your eWallet will provide you with a one-time PIN (OTP) that will expire 30 minutes after it is delivered.
Consider having your PIN sent to you while in a supported retail store to avoid your PIN expiring and having to go through the withdrawal process again.
5. Visit any of the South African retail outlets listed below. The following is a comprehensive list of all South African retailers who accept eWallets:
Sutherland Ridge SUPERSPAR
Umlazi Megacity SPAR
6. Use a credit or debit card to make a purchase at a supported retailer. You cannot withdraw funds from your eWallet unless you first make a purchase with a card.
7. At the checkout, select “Withdraw cash.” You may need to request that your retailer enter this information for you.
8. Select “Withdraw cash from eWallet” on the following screen.
9. Enter the amount of money you want to withdraw from your eWallet. This sum must be less than or equal to the balance in your account.
10. When prompted, enter your mobile phone number. The cashier may also request your mobile phone number.
11. To complete the process, enter your one-time PIN. Your cashier should be able to give you the correct amount. You have successfully withdrawn funds from your eWallet through a retailer!
When making purchases at participating retail stores, there is no fee for withdrawing cash.
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