Last Updated on May 29, 2025 by admin
First National Bank (FNB Cellphone banking: Majority of FNB customers are search for easy ways of carrying out their banking from their comfort zone that provide convenient and secure way to manage their finances on the go without visiting the banking premises for basic transaction like cash transfer and bills payment etc.
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The good news is that anyone, with any cellphone, on any network can start banking by simply dialing * 120*321# and pressing the enter button on your cellphone. For this, there is no special SIM card requirements, no complicated downloads and no changes to your cellphone settings are required.
But if you want to use fnb.mobi (WAP) banking, you will need to have the following:
1 The cellphone has to be data services (GPRS, 3G or Edge) enabled
2.The cellphone has to be WAP 2.0 enabled
3. Any valid SIM card can be used.
Benefits of First National Bank Cellphone Banking
First National Bank (FNB) Cellphone Banking offers several benefits, making banking more convenient and accessible. Here are some key advantages:
- Bank Anywhere, Anytime – You can manage your finances from your cellphone without needing internet access.
- Quick & Easy Transactions – No complicated downloads or special SIM requirements; just dial the USSD code and follow the prompts.
- Free Registration – Signing up for Cellphone Banking is free, and there are no subscription fees.
- Prepaid Purchases – You can buy prepaid airtime, data, and electricity directly from your phone.
- Secure Banking – Transactions occur in real-time, and you receive instant confirmation for every transaction.
- Funds Transfers & Payments – Easily transfer money between your accounts or make payments to others.
- Mini Statements & Balance Checks – View your account balance and transaction history anytime.
FNB Cellphone Banking is designed to be simple, fast, and secure, allowing you to handle essential banking tasks without visiting a branch.
What can I do using Cellphone Banking from FNB?
With FNB Cellphone Banking, you can handle a variety of banking tasks conveniently from your mobile phone.
- View Balances – Check your account balance anytime.
- Buy Prepaid Airtime & Data – Recharge your phone instantly.
- Purchase Prepaid Electricity – Pay for electricity on the go.
- Send Money – Transfer funds to other accounts.
- Pay Bills & Accounts – Make payments without visiting a branch.
- Apply for Loans – Submit loan applications directly from your phone.
- Stop & Dispute Debit Orders – Manage your debit orders easily.
- Make International Payments – Send money to Namibia, Swaziland, and Lesotho.
- Withdraw Cash Without a Card – Use cellphone banking to withdraw money from an ATM.
- Buy LOTTO
- Buy PowerBall
- Get a mini statement
- Pay your Traffic fine
Requirement for FNB Cellphone Banking
To register for Cellphone Banking from FNB you need to have:
1 A valid cellphone number on the MTN, Vodacom, Cell C or Virgin Mobile network
2.A qualifying FNB account
How to register for First National Bank (FNB) ussd code
To register for First National Bank (FNB) USSD code and access services such as buying airtime, transferring money, and checking account balance, follow these steps:
1. Dial * 120*321# on your mobile phone.
2. Select the option to register for Cellphone Banking.
3. Read and accept the terms and conditions.
4. Enter your South African ID number.
5. Follow the prompts to create a 5-digit Cellphone Banking PIN.
6. Confirm your PIN.
7. You will receive a confirmation message that your Cellphone Banking registration is successful.
After completing the registration process, you can now use the FNB cellphone code for various transactions, such as buying airtime, transferring money, and checking account balance, by following the prompts and options provided.
How to Register for First National Bank Online Banking
You can register for First National Bank (FNB) Online Banking by following these steps:
- Go to www.fnb.co.za
- Select ‘Register’.
- Select the ‘I have a card and PIN’ option for personal Online Banking registrations.
- Enter your card, PIN and captcha code.
- Select ‘Continue’.
- Verify your personal details and set up your user ID and password to access your profile online. Note the password rules.
- Select ‘Register’.
- A Thank You screen will display your Online Banking registration details. Select ‘Continue’ to login to your Online Banking profile .
- Login to Online Banking, select ‘Buy’ and then ‘Airtime & Bundles’ to make use of this convenient service.
How to Check account Balance from First National Bank (FNB) ussd code
FNB offers USSD codes to help you with various banking transactions, including checking your account balance. Here’s how:
In South Africa:
- Dial *120*321# from your registered mobile phone.
- Enter your 5-digit PIN. If you haven’t registered for cellphone banking, follow the prompts to do so.
- Select “Balances.”
- Choose the account for which you want to see the balance.
- Your available balance will be displayed on the screen.
ALSO READ: African Bank :How to use African bank Internet Banking,Cellphone Banking and banking app service
How to buy airtime from First National Bank
First National Bank (FNB) provides several ways to buy airtime:
Online Banking
Login to Online Banking, select ‘Buy’ and then ‘Airtime & Bundles’ to make use of this convenient service.
The FNB App
Login to the FNB App, Select ‘Prepaid’and then ‘Prepaid Airtime & Bundles’ to make use of this convenient service
How to pay bills from FNB
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FNB Banking App
Login to the FNB App. Select ‘Add Recipient/Bill’ under the ‘Payments’ tab, add Bill. Then add the biller you want to pay as a bill using either your customer number or your smart card number.
Online Banking
Login to Online Banking, add a Bill under the ‘Payments’ tab, sub tab ‘My Bills’. Add the biller you want to pay as a recipient.
Cellphone Banking
Dial *120*321# and select the green/dial button on your cellphone, then you login. Choose the biller you want to pay and follow the easy prompts.
ALSO READ: ABSA Bank USSD Codes:How to Register, transfer money,pay bills and check account Balance
How to Transfer money from First National Bank
Send me with cellphone banking
- Dial *120*321#
- Select ‘Send Money’
- Select ‘eWallet’
- Select the account you want to send money from
- Key in the cellphone number you want to send to
- Enter the amount you want to send
- Select ‘Yes’ to send an SMS with an ATM PIN to the recipient for easy withdrawal
- Confirm the amount and cellphone number
To send money using FNB Cellphone Banking you need to be registered for Cellphone Banking.
To register for Cellphone Banking
Dial *120*321# , visit any FNB branch or ATM or call the Cellphone Banking helpline on 087 575 9405
Online Banking:
Once-off
- Login to your Online Banking profile
- Select ‘Send Money’
- Select ‘Once-Off’
- Enter the cellphone number of the recipient
- Enter the amount you would like to send
- Check the account you want to send money from (in the bottom right corner). If you would like to change the account, select the orange icon next to the account name.
- Check and confirm the transaction
- Enter your OTP (one time PIN)
From phonebook
- Login to your Online Banking profile
- Select ‘Send Money’
- Enter the amount you would like to pay the recipient*
- Select the account you would like to send from
- Select ‘Send’, ‘Confirm’ and enter the OTP.
*To add and save Cellphone numbers in your phonebook, select ‘+Add’.
Enter a name and the cellphone number you want to send to. Next, select ‘Add Recipient’.
You can add up to 5 names and cellphone numbers at a time.
Banking App
Send Money
- Login to FNB Banking
- Select ‘Send Money’
- Select ‘Send Money to eWallet’
- Select the account you want to send money from
- Enter the amount and cellphone you want to send to
- Select ‘Send’
- Confirm
To send money using the FNB Banking App you need to download the app on your smartphone.
FNB ATM
- Insert your FNB Debit, Cheque or Credit Card at the FNB ATM and enter your PIN
- Select ‘More Options’
- Select ‘Send or Receive Money’
- Select ‘Send Money to eWallet’
- Enter your date of birth. Read the terms and conditions and then select ‘Proceed’
- Key in the cellphone number you want to send money to and select ‘Proceed’
- Key in the amount you want to send and select ‘Proceed’
- Confirm that all the details are correct and select ‘Proceed’
- Remember to take your card before leaving the ATM
Frequently Asked Questions
How much prepaid airtime can I buy with First National Bank Cellphone Banking?
You are able to top-up your airtime for any amount, given that the airtime top-up is within the minimum and maximum prepaid airtime amounts sold by each service provider and provided that you don’t exceed your prepaid Cellphone Banking daily limit,
1,MTN – minimum R5 and maximum R1 000
2.Vodacom – minimum R5 and maximum R1 000
3.Cell C – minimum R10 and maximum R1000
4.Virgin Mobile – minimum R15 and maximum R500
Q: How do I register for FNB cellphone banking using the USSD code?
A: To register, simply dial *120*321# from your mobile phone and follow the prompts. You’ll need your FNB card number, PIN, and ID or passport number for registration.
Q: Can I register for cellphone banking if I don’t have an FNB bank card?
A: Yes, you can register for FNB’s Cellphone Banking even if you don’t have an FNB bank card. Anyone with any cellphone can start using the service by simply entering *120*321# and pressing the dial button
Q: How do I check my account balance using First National Bank Cellphone Banking?
A: Dial *120*321#, enter your PIN, and select the “Balances” option. You’ll be able to view the balances for your linked accounts.
Q: How do I buy airtime using First National Bank Cellphone Banking?
A: Dial *120*321#, enter your PIN, and select the “Prepaid” option, then choose “Airtime.” Select your network provider (Vodacom, MTN, Cell C, or Telkom) and enter the amount you wish to purchase.
Q: How do I transfer money using First National Bank Cellphone Banking?
A: Dial *120*321#, enter your PIN, and select the “Payments & Transfers” option, then choose “Send Money.” You can either select from your saved beneficiaries or enter a new recipient’s details. Enter the amount you want to send and confirm the transaction.
Q: Is it safe to use the FNB USSD code?
A: Yes, FNB’s USSD service is secure. However, it’s important to keep your PIN confidential and never share it with anyone.
Q: What if I forget my PIN on First National Bank Cellphone Banking?
A: You can reset your PIN through the FNB App or by visiting your nearest FNB branch.
How much prepaid Telkom can I buy from First National Bank Cellphone Banking?
You are able to buy prepaid Telkom for any amount, provided that the amount of the purchase is within the minimum and maximum amounts sold by Telkom and provided that you don’t exceed your prepaid Cellphone Banking daily limit,
1.Telkom PrepaidFone – minimum R40 and maximum R200
2. Telkom WorldCall – minimum R50 and maximum R200
How much Globel International airtime can I buy with First National Bank Cellphone Banking ?
You are able to purchase Globel international airtime for any amount, provided that the amount of the purchase is within the minimum and maximum amounts sold by Globel and provided that you don’t exceed your prepaid Cellphone Banking daily limit,
1. Globel International Vouchers – R30, R50, R100, R200, R500
2. Globel Flexi-recharge- minimum R10 and maximum R1000
What are the Cellphone Banking daily transaction limits with First National Bank Cellphone Banking ?
1. R1 000 daily limit for prepaid airtime, Telkom and electricity purchases
2. R10 000 daily limit for transfers between your own FNB accounts
3. R10 000 daily limit for payments to anyone or any account
What is a Cellphone Banking PIN?
A Cellphone Banking PIN is your 5-digit Cellphone Banking PIN, which you will be required to choose at registration. Each time you use Cellphone Banking you will be asked to give your Cellphone Banking PIN. This is a security precaution and will ensure that only you will be able to acce
