Standard Bank Cellphone Banking :How to Transfer money, buy airtime and data, pay bills and check balance

Last updated on July 27th, 2025 at 06:26 pm

Last Updated on July 27, 2025 by admin

Standard Bank’s cellphone banking service offers a seamless way for customers to conduct banking transactions directly from their mobile devices, empowering them to take control of their finances anytime and anywhere.

As the world increasingly shifts towards digital solutions, Standard Bank has recognized the need to provide its customers with accessible and efficient banking services, eliminating the necessity of visiting a physical branch for basic transactions.

With cellphone banking, users can perform a range of activities such as checking account balances, transferring funds, paying bills, purchasing airtime, and even viewing detailed transaction histories, all from the palm of their hand.

This article explores the features and benefits of Standard Bank cellphone banking, provides a comprehensive guide on how to set it up. Whether you’re looking to check your balance, transfer funds, or pay bills, understanding how to leverage this innovative service can enhance your banking experience and streamline your financial management.

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The features and benefits of Standard Bank cellphone banking

Cellphone banking with Standard Bank provides a host of benefits that are significantly transforming the way customers manage their finances. One of the primary advantages is the convenience it offers, allowing users to perform a multitude of banking tasks right from the comfort of their homes or while on the go, without the need to visit a physical branch.

This convenience is further enhanced by the 24/7 accessibility cellphone banking provides, meaning that users can check their balances, transfer funds, or pay bills at any time that suits them.

Key Features

• 24/7 Access: Bank anytime, anywhere by dialing 1202345# or 1302345#
• Wide Range of Services:
  • Check account balances and view mini-statements
  • Transfer money locally—even to non-Standard Bank accounts
  • Send Instant Money to any South African cellphone number
  • Buy airtime, data, and electricity
  • Pay bills and municipal accounts
  • Play Lotto and PowerBall
  • Reverse debit orders
• No App Needed: Works on any phone that can dial numbers
• No Monthly Fees: No sign-up or subscription charges; only standard network rates apply

 Benefits

• Safe & Secure: Protected by your PIN; even if your phone is stolen, your account remains secure
• UCount Rewards: Earn up to 50 points monthly by completing three transactions if you’re a UCount member
• Easy Top-Ups: Recharge airtime or data—even without airtime—using *130*2345#
• Inclusive Access: Ideal for users without smartphones or internet access
• Quick Registration: Just dial *120*2345# and follow the prompts with your card number, PIN, and ID

Read:How to register for African bank Internet Banking and Cellphone Banking

How To Register For Standard Bank cellphone banking

To register for Standard Bank cellphone banking, you will need your mobile phone and your ID or passport number. Begin by dialing the designated USSD code provided by Standard Bank to commence the registration process.

Registering is quick and doesn’t require a smartphone or internet access. Here’s how to get started:

1. On your mobile phone, dial *120*2345#
2. Follow the Prompts:
   • Enter your Standard Bank card number
   • Provide your ATM PIN
   • Input your South African ID number
3. Create a 5-digit Cellphone Banking PIN: This will be used for future transactions
4. Complete Registration: Once done, you’ll be able to access banking services instantly

What You’ll Need

• A Standard Bank transactional account
• Your card number, ATM PIN, and ID number
• A phone with airtime (no data required)

How to check Standard Bank Account balance

To check your Standard Bank account balance via cellphone banking, you don’t need a smartphone or internet—just a mobile phone that can dial USSD codes.

1. Dial *120*2345# on your mobile phone
2. Enter your Cellphone Banking PIN when prompted
3. Select “Balance Enquiry” from the menu options
4. Your account balance will be displayed on your screen

How to transfer funds from Standard Bank Account balance via cellphone banking

Transferring funds from your Standard Bank account via cellphone banking is simple, secure, and doesn’t require internet access. You can send money to other Standard Bank accounts or even to accounts at other South African banks.

1. Dial *120*2345# on your mobile phone
2. Enter your Cellphone Banking PIN to log in
3. Select “Transfers” from the menu (usually option 2)
4. Choose the account you want to transfer from
5. Enter the amount you wish to send
6. Provide the recipient’s bank account number and bank name
7. Confirm the transaction when prompted

How to pay bills from Standard Bank Account balance via cellphone banking

Paying bills from your Standard Bank account via cellphone banking is fast, secure, and doesn’t require internet access or a smartphone. You can settle municipal accounts, utilities, and other registered billers using just your mobile phone.

1. Dial *120*2345# on your mobile phone
2. Enter your Cellphone Banking PIN to log in
3. Select “Payments & Transfers” from the menu
4. Choose “Pay a Bill”
5. Select a saved biller or enter a new biller’s details (e.g. biller code and reference number)
6. Enter the amount you want to pay
7. Confirm the transaction when prompted

Read: ABSA Bank Cellphone Banking:How to Register, transfer money,pay bills and check account Balance

How to reset your PIN,or forget PIN on Standard Bank account via cellphone banking

Forgot your Standard Bank Cellphone Banking PIN or need to reset it? No worries—there are a few secure ways to get back on track, even without internet access.

Option 1: Reset via Cellphone Banking (USSD)

If your PIN is blocked or forgotten, you may need to visit a branch or call customer support. However, you can try this first:

1. Dial *120*2345# on your mobile phone
2. Select the option for PIN reset (if available)
3. Follow the prompts to verify your identity (ID number, card number, etc.)
4. Create a new 5-digit PIN

 Option 2: Reset via Standard Bank App

If you have access to the app:

1. Log into the Standard Bank mobile app
2. Tap “More” at the bottom right
3. Go to “Manage Cards”
4. Select your card and tap “View PIN”
5. Enter your South African ID number to verify
6. Your PIN will be displayed briefly

You can also change your PIN under Settings > Change PIN if you remember the old one.

 Option 3: Call Customer Support

If you’re locked out or need help:

• Call 0860 123 000
• Choose Option 2, then Option 2 again to speak to an agent
• They’ll guide you through PIN recovery or reset

Option 4: Visit a Branch

If your PIN is blocked or you can’t reset it remotely:

• Visit your nearest Standard Bank branch
• Bring your ID and bank card
• A consultant will assist you with resetting your PIN

Read: Nedbank Online banking :How to Send money and register for Online Banking