South African Banks USSD Codes 2026 Edition

Updated January 8, 2026

Are you looking for the available South African Banks USSD transaction codes for transferring money between accounts, paying your bills, checking your account balance, and also purchasing airtime on your cellphones? Don’t worry we got you covered. Stay calm and read below.

ABSA Bank USSD Code

USSD CODE	Functions
1202272#	Account balances check. ABSA personal loan application. Contactless card wallet top up. View and redeem ABSA Rewards. Send Money using Cash Send. Prepaid Electricity purchase. PrePaid airtime, data and SMS bundles purchases. Account mini-statements.

Capitec Bank USSD Code

USSD CODE	Functions
1203279#	Airtime purchases. Electricity purchases. Account balance check. View last electricity token purchased. Credit facility transfers. Pay Capitec Bank clients (with a verified cellphone number). Money transfer between your accounts. Registration for SMS Update for added security.
1303279#	Cellphone top up.

First National Bank (FNB) USSD Code

USSD CODE	Functions
120321#	Account balance check. PowerBall purchases. Traffic fine payment. LOTTO purchases. Send money using the eWallet. Maintain your Cellphone Banking details. Money transfer between your FNB accounts. Money Transfer. Receive real-time confirmation of financial transactions (inContact). Mini statement.
130321# or 130277#	Airtime purchase.

Nedbank USSD Code

USSD CODE	Functions
120001#	Purchase airtime. Pay beneficiaries. Account balance checking. Transfer funds. Play lotto. Purchase pre-paid electricity. Pay tax.

Standard Bank USSD Code

USSD CODE	Functions
1202345#	General Banking. Instant-Money. Apply for a Personal Loan Offering. AccessPoint locator.
1302345#	Quick Prepaid Top-Up service. Create Instant Money Voucher. Purchase Prepaid. Pay Your Bills. Money Transfer. Check Account Balance.