How to Withdraw eWallet - Panstag

How to Withdraw eWallet

Deep
8 Aug, 2025

How to Withdraw eWallet in South Africa (Step-by-Step Guide)

How to Withdraw eWallet

Wondering how to withdraw eWallet easily? Whether you’ve received money via eWallet in South Africa or another supported country, withdrawing it is quick and simple—even without a bank account. In this guide, we’ll walk you through the step-by-step process to access your funds using your phone or your nearest ATM. No stress, no confusion—just clear instructions anyone can follow.

💰 What is eWallet?

eWallet is a digital money transfer service by FNB (First National Bank) that lets you send money instantly to anyone in South Africa, even if they don’t have a bank account. The recipient gets an SMS with a PIN and can withdraw the money without a card from FNB ATMs or select retailers.

🏧 Where Can You Withdraw eWallet?

You can withdraw eWallet funds from:

  • FNB ATMs (no card required)

  • Shoprite, Checkers, Boxer, and Usave stores

  • Selected Pep and Pick n Pay branches (if enabled)

✅ Method 1: How to Withdraw eWallet from FNB ATM (No Card Needed)

Follow these steps:

  1. 📲 Dial 120277# on your phone (using the number that received the money).

  2. 📥 Select 'Withdraw Cash' from the menu.

  3. 🔐 You’ll receive a temporary ATM PIN via SMS.

  4. 🏦 Go to any FNB ATM.

  5. Press ‘Cardless Services’ on the ATM screen.

  6. Enter your cell number and PIN.

  7. Enter the amount to withdraw (must be in R20 denominations).

  8. 💵 Collect your cash!

⚠️ Note: The PIN expires in 30 minutes, so withdraw as soon as you receive it.

✅ Method 2: How to Withdraw eWallet at Shoprite or Boxer

  1. 📲 Dial *120*277# and choose ‘Withdraw at Retail’ or ‘Get Retail PIN’.

  2. You’ll receive a voucher number via SMS.

  3. Go to a cashier at Shoprite, Boxer, or Checkers.

  4. Show the voucher code and your cellphone number.

  5. 💵 Get your cash instantly over the counter.

🛍️ This method is helpful if there’s no FNB ATM nearby.

💸 eWallet Withdrawal Limits, Expiry & Fees

DetailInfo
🔢 Minimum WithdrawalR20
🔝 Maximum per DayR5,000
⏳ Voucher Expiry7 days (FNB ATM) / 30 mins (Retail PIN)
💳 ATM Withdrawal FeeApprox R11 (FNB ATM)
🏪 Retail Withdrawal FeeAround R6–R10 depending on store

🛠️ Common Problems & How to Fix

ProblemSolution
SMS not receivedCheck phone signal or try again
PIN expiredDial 120277# to get a new one
ATM out of cashUse the Shoprite/Boxer method
Wrong cellphone numberOnly the sender can fix this by cancelling and resending

❓ FAQs About Withdrawing from eWallet

Q1. Can I withdraw eWallet without an FNB account?
Yes! You only need a cellphone number.

Q2. Can I send eWallet from another bank?
No. Only FNB users can send, but anyone in SA can receive.

Q3. What happens if I don’t withdraw in time?
Funds return to the sender after 7 days.

Q4. Is it safe to withdraw from a store?
Yes, as long as you don’t share your PIN or voucher code with anyone.

📝 Final Tips for Safe Withdrawal

  • Never share your OTP or PIN with strangers.

  • Always withdraw in a safe, public place.

  • If you face issues, call FNB Customer Care: 087 575 9405

📢 Bonus Tip for Senders:

If you send eWallet frequently, download the FNB app for faster sending and tracking.

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