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How To Access Ewallet Without Airtime?

Last updated on: 11/07/2024

Quick Summary

To access an eWallet without airtime, follow these steps: dial *120*277# on your cellphone, select ‘Get cash’, receive an SMS with an ATM PIN, go to an FNB ATM, select ‘eWallet Services’, enter your cellphone number and the ATM PIN, select the amount to withdraw, and take your cash. Make sure to familiarize yourself with the terms and conditions of using eWallet, including liability for unauthorized transactions and the importance of providing the correct cellphone number.


Welcome to Askly, your go-to source for answers to common questions. In this blog post, we will be discussing how you can access an eWallet without the need for airtime. An eWallet is a convenient and secure way of sending money electronically using your cellphone.

If you’re in South Africa and have an FNB (First National Bank) account, accessing your eWallet without airtime is simple and hassle-free. We’ll guide you through the steps so that you can easily withdraw cash from any FNB ATM even if you don’t have any airtime on your phone.

So let’s get started with our step-by-step instructions!

What is an eWallet?

Before diving into the process of accessing an eWallet without airtime, it’s important to understand what exactly an eWallet is. An electronic wallet or “e-Wallet” allows users to store funds digitally which they can then use for various transactions such as making payments or transferring money securely via their mobile devices.

FNB offers its customers the convenience of having their own personal digital wallet known as ‘eWallet’. This service enables individuals who hold valid South African cellphone numbers linked to their FNB accounts.

What is an eWallet?

An eWallet, also known as electronic wallet, is a digital payment system that allows users to store and manage their funds electronically. It provides a convenient way for individuals to make transactions without the need for physical cash or traditional banking methods.

With an eWallet, users can securely store money in a virtual account linked to their cellphone number. This means that they can access and use these funds anytime and anywhere through various channels such as ATMs, cellphone banking apps, online platforms or even by dialing specific USSD codes on their mobile phones.

eWallets are particularly popular in South Africa due to its convenience and accessibility. One of the leading providers of this service in the country is First National Bank (FNB), which offers customers easy access to their funds through its user-friendly platform.

By using FNB’s eWallet service, customers can create an electronic store of value accessible by nominating beneficiaries with valid South African cellphone numbers. The recipients do not necessarily have to be FNB customers themselves; they only need a registered local phone number.

The main advantage of using an e-Wallet like FNB’s offering is that it eliminates the need for carrying physical cash while still allowing quick transfers between individuals within seconds – making it ideal for sending money instantly when needed most.

How to Access an eWallet Without Airtime

Step 1: Dial *120*277# on your cellphone

To access your eWallet without airtime, start by dialing *120*277# on your cellphone. This will allow you to enter the eWallet menu and proceed with the cash withdrawal process.

Step 2: Select ‘Get cash’

Once you have dialed *120*277#, navigate through the options until you find the ‘Get cash’ option. Select this option to initiate a request for withdrawing funds from your eWallet.

Step 3: Receive an SMS with an ATM PIN

After selecting ‘Get cash’, wait for a few moments as FNB processes your request. You will receive an SMS containing a unique ATM PIN that is required for accessing and withdrawing money from any FNB ATM machine.

Step 4: Go to an FNB ATM

With the received ATM PIN in hand, head over to any nearby FNB Automated Teller Machine (ATM). These ATMs are conveniently located throughout South Africa and can be easily found at various retail outlets or standalone branches of First National Bank.

Step 5: Select the green button or choose ‘Cardless Services’

At the FNB ATM, look out for either a green button labeled “Enter/Proceed” or locate and select “Cardless Services” among other available options displayed on-screen after inserting their card into slot provided.

Step 6: Select ‘e-Wallet services’

Once inside the Cardless Service section, select “e-Wallet services” which allows users who do not possess bank cards but still want quick access via mobile banking applications like Ewallets etc.

Step 7: Enter Your Cellphone Number

After choosing e-Wallet services, you need to provide them with the correct cellphone number associated with your account so they can verify it before proceeding further steps.

Step 8: Enter The Received PIN Via SMS

After entering your cellphone number, you will be prompted to enter the ATM PIN that was sent to you via SMS. This is a security measure designed to ensure that only authorized individuals can access and withdraw funds from your eWallet.

Step 9: Select The Amount To Withdraw

Once you have entered the correct ATM PIN, proceed by selecting the amount of money you wish to withdraw from your eWallet. FNB ATMs typically offer various denominations for withdrawal options such as R50, R100, or even higher amounts depending on availability at specific locations.

Step 10: Take Your Cash

After confirming the desired withdrawal amount, wait for a few moments while FNB processes your request. Once approved, cash equivalent to the selected amount will be dispensed through an opening in the front panel where users usually collect their banknotes after successful transactions are completed without any issues encountered during the process itself!

Step 11: End Transaction or select ‘Cancel’

Once you have received all of your withdrawn cash and ensured there are no further actions required at this point, it’s important not to forget to end the transaction properly before leaving the premises. You may either choose the “End” option displayed on-screen, which signifies completion, OR simply press the cancel button if necessary so the system knows when the user has finished using the services provided within the given time frame allocated per session limits set forth by the respective financial institution involved here, namely First National Bank (FNB) South Africa.

By following these simple steps outlined above, you can easily access and withdraw funds from an eWallet without needing airtime! It provides convenience, especially in situations where an immediate need arises but one does not possess sufficient balance, available credit limit, etc.

Terms and Conditions of using eWallet

The purpose of the eWallet service:

FNB’s eWallet service allows customers to create and fund an electronic store of value that can be accessed by a nominated beneficiary with a valid South African cellphone number. This convenient service enables users to send money without requiring traditional banking methods.

Accessing eWallet through various channels:

Users can access their eWallets through multiple channels, including FNB ATMs, FNB Cellphone Banking, the FNB App, or FNB Online Banking. These options provide flexibility for users to manage their funds conveniently.

Responsibility for correct cellphone numbers:

It is crucial for users to ensure they have accurate recipient cellphone numbers before initiating transactions on the eWallet platform. Users are responsible for verifying this information as any loss or damage resulting from incorrect details will not be attributed to FNB.

Liability for loss or damage:

Unless due to gross negligence or intentional misconduct on behalf of First National Bank (FNB), it shall not be held liable in cases where there is loss or damage incurred during transactions made via the user’s account linked with an individual’s personal identification number (PIN).

Unauthorized transactions and liability:

Users bear responsibility regarding unauthorized transactions unless it can be proven that such actions were facilitated by gross negligence on part of FNBank itself.

Sending funds to wrong cell phone number:

FNBank cannot accept accountability if funds sent via its services end up being delivered incorrectly due to incorrect recipient cellphone numbers provided by the user.

Frequently Asked Questions

Question 1: Can I access my eWallet without airtime?

Yes, you can access your eWallet without airtime. To do so, follow these steps:

  • On your cellphone (if you have not received an SMS with an ATM PIN), dial *120*277# to access the eWallet.
  • Select ‘Get cash’.
  • You’ll receive an SMS with an ATM PIN. Note: If you have no airtime, dial *130*277# to buy airtime from the eWallet funds. Then, dial *120*277# again to get an ATM PIN.

Question 2: How do I get an ATM PIN for my eWallet?

To obtain a new or reset your existing ATM PIN for accessing your eWallet at FNB ATMs:

  • Dial *120*321#
  • Follow the prompts and enter all required information
  • Note that this process requires having sufficient available balance in order to generate a new pin successfully.

Question 3: Can I withdraw cash from an FNB ATM without a card?

Yes! With the convenience of FNB’s Cardless Services feature on their ATMs, it is possible to withdraw cash even if you don’t have a physical bank card. Here are step-by-step instructions on how to make use of this service:

  1. At any FNB Automated Teller Machine (ATM), select either “Enter/Proceed” button or choose “Cardless Services”.
  2. Select ‘e-Wallet services’ option.
  3. Enter recipient’s South African mobile phone number as well as amount intended for withdrawal.
  4. Confirm transaction details before proceeding further by selecting ‘Continue’ button when prompted accordingly.
  5. You will then be asked whether confirmation message should be sent via sms; confirm selection by pressing appropriate key/button once more after which system generates unique code needed during actual retrieval stage later down line – make sure not lose this code!
  6. You will receive an SMS with a unique withdrawal reference number.
  7. Go to any FNB ATM within 30 minutes of receiving the SMS and select ‘Cardless Services’.
  8. Enter your cellphone number, followed by the unique withdrawal reference number received via SMS.
  9. Select the amount you want to withdraw from your eWallet funds.
  10. Take your cash.

Question 4: What happens if I send funds to the wrong cellphone number?

If you accidentally send funds to the wrong cellphone number, please note that FNB cannot be held responsible for any loss or damage resulting from such transactions. It is crucially important that users verify recipient details before initiating transfers through their eWallet service in order avoid potential errors like these which could lead financial losses on part sender as well inconvenience caused receiver end due incorrect information being provided during process itself.

Question 5: Who is responsible for unauthorized transactions on my eWallet?

As per terms and conditions set forth by FNB regarding use of its services including but not limited specifically towards electronic wallet (e-Wallet) facility offered under same umbrella; it’s user’s responsibility ensure safety security personal banking credentials at all times – especially when accessing account remotely using mobile devices internet connections etc.. In event where there are unauthorized activities observed related one’s own individual profile then immediate action must taken contacting bank directly reporting matter so appropriate measures can implemented prevent further misuse occurring future instances similar nature arise again later stage down line..

Question 6: What should I do if I change my cellphone number?

In case you have changed or plan on changing your registered South African cell phone numbers associated with respective accounts linked E-wallets maintained under them; kindly notify relevant parties involved immediately upon making decision finalizing new contact detail(s). This step ensures seamless transition between old/new records while minimizing risk exposure arising out possible fraudulent attempts made against said profiles during transition period itself. By doing so, you can avoid any potential loss or inconvenience that may arise from funds being sent to the incorrect cellphone number.

Question 7: What happens if someone else accesses my eWallet?

If unauthorized access is gained by a third party and they manage to use your eWallet without your consent, it is important to report this immediately to FNB’s Disputes Division. They will investigate the matter and take appropriate action based on their findings. However, please note that users are responsible for keeping their personal information secure and should not share sensitive details with anyone.

Question 8: Are there any costs associated with using eWallet?

There are no charges levied when creating an FNB E-wallet account; however certain transactions such as withdrawals at ATMs might incur fees depending upon specific pricing option selected sender end while initiating transfer process – these would be communicated clearly before finalizing transaction ensuring transparency throughout entire procedure involved making sure both parties aware what expect terms financial implications incurred respective actions taken within given timeframe stipulated guidelines set forth governing body overseeing operations related electronic wallet services offered under same umbrella organization.

Question 9: How can I fund my eWallet?

You have several options available for funding your e-Wallet:

  • Transfer money from another bank account into your FNB E-wallet.
  • Deposit cash directly into an ATM linked specifically towards servicing said accounts maintained under them.
  • Receive payments through various channels like salary deposits or other income sources which allow direct transfers made electronically between different entities participating in overall ecosystem surrounding digital wallets themselves.

Please ensure sufficient balance exists prior attempting initiate withdrawal requests otherwise system won’t able complete request successfully due insufficient funds present time processing stage occurs leading unsuccessful outcome instead desired result initially intended achieve outset whole exercise altogether!

Question 10: How do I lodge a complaint about the eWallet service?

If you encounter any issues or need to lodge a complaint about the eWallet service, you can do so by contacting FNB’s Disputes Division or reaching out to the Banking Ombudsman. They will assist in resolving your concerns and ensuring that any problems are addressed appropriately.


  1. https://www.fnb.co.za/send-money/eWallet.html
  2. https://www.fnb.co.za/05includes/overlays/overlay_small.html?page=/send-money/overlays/send-money-overlay_small.jsp&section=use1&heading=Withdraw%20cash%20at%20an%20FNB%20ATM
  3. https://www.fnb.co.za/downloads/terms/2020/eWallet-Services-Product-Guidelines.pdf

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