Money guides for South Africa
Get money to your phone — no bank account required
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An eWallet is the closest thing South Africa has to cash on a phone. Money is sent to a cellphone number, and the person receiving it draws it at an ATM or spends it directly — no bank account, no card, no branch visit.
That makes it the most useful payout method in the country for anyone who is unbanked, between accounts, or simply does not want to link a card to anything. FNB eWallet is the best known, but Capitec Send Cash, Absa CashSend, Standard Bank Instant Money and Nedbank Send Cash all work the same way.
Mocash is a free-to-use platform where you play lotteries, scratch cards, raffles and daily money drops for real rands. There is no deposit and no entry fee, and your winnings can go to your phone rather than into a bank account.
Four steps, none of which need a bank account or a card.
Create a free Mocash account. No bank card, no deposit and no joining fee. The number you register is the number your money goes to.
Free lotteries, scratch cards, raffles and money drops reset every day. Check in daily to claim all your free entries.
Winnings go into your Mocash wallet as real money. We plan to give away more than R10,000 a day across South Africa.
Redeem as a cash send to your cellphone number, or as a 1Voucher PIN, airtime, data, prepaid electricity or a grocery voucher — all of which work without a bank account.
Every major South African bank runs a send-to-cellphone service, and they all work for people who do not bank with them.
The money goes to a cellphone number. If you are unbanked, between accounts or waiting on FICA, this still works.
Cash sends arrive in seconds rather than clearing over days, so you can draw or spend it the same afternoon.
With FNB eWallet you dial *120*277# and choose Get Cash to receive a temporary ATM PIN. The other banks work similarly with a code sent by SMS.
No entry fee, no deposit and no subscription on Mocash. Nothing to pay to start and nothing to pay to win.
Cash sends work on a basic phone via USSD — you do not need a smartphone to draw the money once it arrives.
Airtime, data, electricity, groceries or a 1Voucher PIN. Sometimes more immediately useful than cash.
Play the free lotteries, scratch cards, raffles and daily money drops on Mocash. Every entry is free, winnings are real rands, and you can redeem them as a cash send to your cellphone number, a 1Voucher PIN, airtime, data, electricity or grocery vouchers.
No. That is the point of it. Money is sent to your cellphone number and you draw it at an ATM or spend it directly. FNB eWallet, Capitec Send Cash, Absa CashSend, Standard Bank Instant Money and Nedbank Send Cash all work this way.
With FNB eWallet you dial *120*277# and select Get Cash, which sends an SMS with a temporary ATM PIN you use at the machine. The other banks issue a code by SMS that works similarly at their ATMs.
No. Voucher generators and 'leaked PIN' lists circulating on WhatsApp and social media are scams built to harvest your OTP or personal details. Real eWallet money always has a real sender behind it.
Yes. Banks apply daily send and withdrawal limits for anti-money-laundering reasons — FNB's has commonly been in the region of R3,000 a day. Limits vary by bank and change over time, so confirm the current figure with yours.
The sender usually pays a fee, and ATM withdrawal fees may apply depending on the bank and amount. Check your bank's current pricing guide — these change annually.
Take a 1Voucher PIN, airtime, a data bundle, a prepaid electricity token or a grocery voucher instead. All of them go to your phone and none of them need a bank account.
No. Mocash is an independent rewards platform. FNB eWallet, Capitec Send Cash, Absa CashSend, Standard Bank Instant Money and Nedbank Send Cash are trademarks of their respective banks.
Soon. Join the waitlist and we will notify you the moment the app goes live so you can play from the first day's prize pool.
Mocash is an independent rewards platform and is not affiliated with, endorsed by or sponsored by FNB, Capitec, Absa, Standard Bank or Nedbank. All trademarks belong to their respective owners.
Bank fees, daily limits and withdrawal processes change. Confirm current details with your bank before relying on anything here. This page is general information, not financial advice.
You must be 18 or older and resident in South Africa to play. No winnings are guaranteed.