How to ewallet on fnb app

Content on WhatAnswers is provided "as is" for informational purposes. While we strive for accuracy, we make no guarantees. Content is AI-assisted and should not be used as professional advice.

Last updated: April 4, 2026

Quick Answer: To use your eWallet on the FNB App, you first need to add funds to your eWallet account. You can do this through various methods like EFT, cash deposit at an ATM, or by transferring from another FNB account. Once funded, you can then access your eWallet via the 'eWallet' option in the FNB App to send money, pay beneficiaries, or withdraw cash.

Key Facts

eWallet allows users to send money to any mobile number, regardless of their bank.
Funds can be added to an eWallet via EFT, ATM cash deposit, or transfers from FNB accounts.
Recipients can withdraw eWallet funds at ATMs without a card, using a PIN and the reference number.
Transactions are typically instant, with funds available immediately after sending.
There are limits on the amount that can be sent and held in an eWallet, which can be found on the FNB website.

What is the FNB eWallet?

The FNB eWallet is a digital wallet service provided by First National Bank (FNB) in South Africa. It allows users to send money to any South African mobile number, even if the recipient does not have a bank account. The funds are held in a virtual wallet linked to the sender's FNB account and can be accessed by the recipient through various methods, including cash withdrawals at ATMs, online purchases, or transfers to other bank accounts. The FNB App provides a seamless interface for managing and utilising your eWallet.

How to Fund Your FNB eWallet via the App

There are several convenient ways to add funds to your eWallet using the FNB App:

1. Electronic Funds Transfer (EFT)

If you have funds in your FNB bank account, you can transfer them directly to your eWallet. Open the FNB App, navigate to the 'eWallet' section, and select 'Add Funds'. Choose the option to transfer from your FNB account and specify the amount you wish to add. The funds will reflect almost instantly.

2. Cash Deposit at an FNB ATM

You can deposit cash directly into your eWallet at any FNB ATM. Insert your FNB card, select the 'eWallet' option, and choose 'Deposit Cash'. Follow the on-screen prompts to deposit the cash into your eWallet. Ensure you have your FNB card with you for this method.

3. Transfer from Another FNB Account

If you have multiple FNB accounts, you can easily transfer funds between them and then add them to your eWallet. This is done through the standard account transfer function within the FNB App.

How to Send Money Using Your FNB eWallet via the App

Sending money with your eWallet is straightforward and can be done in a few steps:

1. Access the eWallet Feature

2. Select 'Send Money'

Choose the 'Send Money' option. You will be prompted to enter the recipient's mobile number. You can select a contact from your phone's address book or manually enter the number.

3. Enter the Amount and Reference

Specify the amount of money you wish to send. You can also add a short reference message for the recipient. Ensure the amount is within the daily and monthly limits set by FNB.

4. Confirm the Transaction

Review the details of the transaction, including the recipient's mobile number and the amount. You will then need to authenticate the transaction, usually with your FNB App PIN or fingerprint/facial recognition.

5. Notification

Once the transaction is complete, both you and the recipient will receive an SMS notification. The SMS to the recipient will contain a unique reference number and a one-time PIN (OTP) required for cash withdrawal.

How Recipients Can Access eWallet Funds

Recipients do not need to have the FNB App or a bank account to receive and use eWallet funds:

1. Cash Withdrawal at an ATM

The most common method is to withdraw cash at any FNB ATM. The recipient needs to go to an FNB ATM, select 'eWallet' on the screen, and enter the reference number and OTP received via SMS. They can then withdraw the specified amount without needing a bank card.

2. Online Purchases

Some online merchants may accept eWallet payments. The process usually involves entering the eWallet mobile number and the OTP during checkout.

3. Transfer to Bank Account

The recipient can transfer the eWallet funds to their own bank account using the FNB App or by dialling *120*321# and following the prompts.

eWallet Limits and Fees

FNB imposes limits on the amount of money that can be sent and held in an eWallet per day and month. These limits are in place for security reasons. There are also transaction fees associated with sending money via eWallet, which are typically a small percentage of the transaction value plus a fixed fee. It is advisable to check the latest fee structure and limits on the FNB website or within the app before conducting transactions.

Security Features

The FNB eWallet is designed with security in mind. Transactions require authentication via the FNB App PIN or biometrics. The OTP system for cash withdrawals ensures that only the intended recipient can access the funds at an ATM. It's crucial to keep your FNB App login details and PIN confidential.

Troubleshooting Common Issues

If you encounter issues, such as a failed transaction or a recipient not receiving the SMS, try the following:

Ensure you have sufficient funds in your linked account.
Verify the recipient's mobile number is correct.
Check your FNB App for any notifications or error messages.
Contact FNB customer support for further assistance.

The FNB eWallet offers a flexible and accessible way to manage and transfer money, making it a valuable tool for everyday financial needs, especially when dealing with individuals who may not have traditional banking access.