Last Updated on September 12, 2025 by admin
Standard Bank Cellphone Banking has transformed the way customers manage their finances, offering a convenient and efficient platform for banking on the go.
With the rise of mobile technology, Standard Bank has embraced this shift, providing users with a range of features that enhance the banking experience from the palm of their hand.
From making transactions and checking balances to ensuring robust security measures, this service caters to the needs of a diverse customer base. This service is designed to provide users with easy access to a variety of banking functions without the need for internet access.
With cellphone banking, customers can perform a wide range of transactions, such as checking account balances, transferring money, purchasing airtime, and paying bills, all from the comfort of their mobile device
Read: All Absa Cellphone banking to Transfer money,pay bills, apply for loan and check account balances
What you can do with Standard Bank Cellphone Banking
Standard Bank Cellphone Banking is a powerful USSD-based service that lets you manage your money from any mobile phone—no smartphone or internet required.
- Play Lotto™ and PowerBall
- Recharge even when you are out of airtime
- Recharge with social media bundles from as little as R5
- Reset your Customer Selected PIN
- Pay bills and municipal accounts
- Send Instant Money
- Buy vouchers, prepaid airtime, data and electricity
- Make inter-account transfers
- Make once-off and beneficiary payments
- Pay anyone who banks with us using their cellphone number
- Check your balances
How to register for Standard Bank Cellphone Banking
Registering for Standard Bank Cellphone Banking is quick, secure, and doesn’t require a smartphone or internet access. Here’s how to get started:
- On your mobile phone, dial
*120*2345#or*130*2345#. - Follow the Prompts You’ll be guided through a few simple steps on your screen.
- Have These Ready
- Your Standard Bank card number
- Your PIN
- Your South African ID number
- You’ll be asked to create Customer Selected PIN (CSP) to protect your transactions.
- Start Banking Once registered, you can immediately begin using services like checking balances, sending Instant Money, buying airtime, and more.
How to check account balance with Standard Bank
Checking your account balance with Standard Bank Cellphone Banking is super simple and doesn’t require a smartphone or internet access. Here’s how to do it:
- On your mobile phone, dial
*120*2345#. - You’ll be prompted to enter your Customer Selected PIN (CSP) that you created during registration.
- From the menu options, choose “Balance Enquiry” to view your account balance
- Your current account balance will be displayed on your screen instantly
How to transfer money with Standard Bank
Transferring money with Standard Bank Cellphone Banking is fast, secure, and doesn’t require a smartphone or internet access. Whether you’re sending funds to another Standard Bank account or using Instant Money to send cash to someone without a bank account, here’s how to do it:
Transfer to Another Bank Account
- Dial
*120*2345#on your mobile phone. - Enter your PIN to access the menu.
- Select “Transfer” or “Payments” from the options.
- Choose:
- Own Account (if transferring between your accounts)
- Saved Beneficiary
- Once-off Payment
- Enter the amount and confirm the transaction.
Send Instant Money (Cash to Cellphone)
- Dial
*120*2345#. - Enter your PIN.
- Select “Instant Money”.
- Enter the recipient’s cellphone number.
- Enter the amount to send.
- Choose a collection point (e.g., Standard Bank ATM or retail partner).
- Set a secure PIN for the recipient to use when collecting the money.
- Confirm the transaction.
The recipient will receive an SMS with instructions on how to collect the money. No bank account needed!
Read: How to register for First National Bank online banking and mobile App
How to buy airtime with Standard Bank
Buying airtime with Standard Bank Cellphone Banking is quick, easy, and works on any mobile phone—no smartphone or data needed. Here’s how to do it:
- Dial
*130*2345#on your mobile phone. - Enter your PIN when prompted.
- Select “Prepaid Recharge” from the menu.
- Choose the network provider (e.g., MTN, Airtel, Vodacom).
- Enter the amount of airtime you want to buy.
- Confirm the transaction and wait for the success message.
You’ll receive the airtime instantly on the selected number—either your own or someone else’s
How to pay bills with Standard Bank
Paying bills with Standard Bank Cellphone Banking is fast, secure, and works on any mobile phone—no app or internet required. Whether it’s your electricity, water, or other service providers, here’s how to get it done:
- Dial
*120*2345#on your mobile phone. - Enter your PIN to access the main menu.
- Select “Payments” or “Pay Bills” from the list of options.
- Choose:
- Saved Beneficiary (if you’ve paid this bill before)
- Once-off Payment (for new billers)
- Enter the biller’s details (e.g., account number, reference number).
- Enter the amount you wish to pay.
- Confirm the transaction and wait for the success message.
Common Billers You Can Pay
- Municipal services (water, electricity)
- DSTV and other TV subscriptions
- School fees
- Insurance premiums
- Retail accounts
Read: Capitec Bank’s Customer Care Services: phone number and email address & WhatsApp
How to buy data with Standard Bank
If you’re in South Africa using Standard Bank Cellphone Banking (USSD) you can buy data using the following steps:
- Dial
*130*2345#on your mobile phone. - Enter your PIN to access the main menu.
- Select “Prepaid Recharge” or “Buy Data” from the list of options.
- Choose your network provider (e.g., MTN, Vodacom, Airtel).
- Enter the amount or select a data bundle.
- Confirm the transaction and wait for the success message.
Your data will be loaded instantly to the selected number—either your own or someone else’s.
How to Play Lotto and PowerBall with Standard Bank Cellphone Banking
Standard Bank’s cellphone banking (USSD) menus include the option to “Play Lotto™ and PowerBall™”.
Here is the general process:
-
Dial
*120*2345#on your cellphone. -
Enter your Cellphone Banking PIN when prompted.
-
From the menu, look for an option like “Play Lotto / PowerBall” or “Lotto™ / PowerBall™”.
-
Select which lottery game you want to play: LOTTO, PowerBall, or possibly a daily/plus version.
-
Choose how you want your numbers: either Quick Pick (random numbers generated for you) or Pick Numbers (you manually choose your numbers).
-
Select how many boards you want to play (i.e. number of entries) and whether you want to play the same numbers in future draws.
-
Confirm the draw(s), the cost, and accept the terms & conditions.
-
You’ll receive confirmation (usually on screen and/or via SMS) that your ticket has been submitted.
Read:How to contact Nedbank customer care: Phone number and Email address
How to Reset your Customer Selected PIN with Standard Bank Cellphone Banking
Resetting your Customer Selected PIN (CSP) with Standard Bank Cellphone Banking is a straightforward process you can do right from your mobile phone—no app or internet required.
- Dial
*120*2345#on your mobile phone. - Select “Forgot PIN” or navigate to the PIN reset option in the menu.
- Enter your Standard Bank card number.
- Enter your card PIN (the one used at ATMs or POS).
- Provide your South African ID number when prompted.
- Create a new Customer Selected PIN.
- Confirm the new PIN to complete the reset.
Once done, you’ll be able to access Cellphone Banking again using your new PIN.
