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Home » Nedbank cellphone banking: How to register, transfer money, buy airtime and data

Nedbank cellphone banking: How to register, transfer money, buy airtime and data

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Nedbank bank Customer Care

Last Updated on July 17, 2025 by admin

Nedbank Cellphone Banking offers a convenient and accessible way for customers to manage their financial transactions directly from their mobile devices.

As part of Nedbank’s commitment to innovation and customer-centric solutions, cellphone banking is designed to provide users with a seamless banking experience that fits into their busy lifestyles. Whether you’re on the go or at home, this service allows you to stay in control of your finances without the need for a computer or a bank branch visit.

Through Nedbank Cellphone Banking, users can perform a variety of essential banking tasks with ease. You can check your account balances, transfer funds between accounts, pay bills, and even purchase airtime and data for your mobile phone.

Nedbank Cellphone Banking is a testament to the bank’s dedication to leveraging technology for the benefit of its customers.

It simplifies everyday banking activities, giving customers the freedom to bank when and where it suits them. This service particularly suits those who prefer not having to visit a physical branch or who need to manage their finances on the move.

Read: How to register for Absa online banking and mobile app

Benefits Of Using Nedbank Cellphone Banking

 

Nedbank cellphone banking offers a range of benefits that cater to the modern-day need for convenience and efficiency in financial transactions.

One of the primary advantages is its accessibility. Users can manage their banking needs anytime and anywhere, eliminating the requirement to visit physical branches or ATMs. This accessibility is particularly beneficial for individuals in remote locations or those with busy schedules who find it challenging to adhere to traditional banking hours.

Here’s why it’s worth using:

  • No Data Required: Works on any phone—no downloads, no Wi-Fi, no mobile data.
  • 24/7 Access: Bank anytime, anywhere—even in areas with limited connectivity.
  • Wide Range of Services:
    • Check balances and view mini-statements
    • Transfer money to Nedbank or other banks
    • Pay bills (electricity, water, etc.)
    • Buy airtime, data, and prepaid electricity
    • Send money to any South African cellphone number via Send-iMali
  • Security:
    • Protected by a 5-digit PIN
    • Ability to block, unblock, or freeze your card instantly
  • Affordable:
    • No subscription fees
    • Only airtime is needed (about 20c per 20 seconds)
  • Convenient for All:
    • Ideal for users in rural areas or without smartphones
    • Works on basic mobile phones

Read: Absa cellphone banking: steps to Register, transfer money and check Balance

How To Register For Nedbank Cellphone Banking

Registering for Nedbank Cellphone Banking is a straightforward process that allows users to manage their finances conveniently from their mobile devices.

To begin, ensure that you have a valid Nedbank account and a compatible mobile phone. Start by dialing the provided Nedbank USSD code on your mobile phone. You will be prompted to enter your account number followed by your identification number for security verification.

Here’s how;

  1. Dial *120*001# from your mobile phone.
  2. Select “1” to register.
  3. Choose to register using your bank card.
  4. Enter your South African ID number or passport number.
  5. Type in the last 4 digits of your Nedbank card.
  6. Enter your ATM PIN.
  7. Create a new 5-digit Cellphone Banking PIN.
  8. Confirm your new PIN and complete registration.

You’re now set up to use Nedbank Cellphone Banking for transfers, airtime purchases, bill payments, and more

How to buy airtime or data using Nedbank Cellphone Banking

Buying airtime or data with Nedbank Cellphone Banking is fast, secure, and works on any mobile phone—no internet or app required. Here’s how to do it using USSD:

  1. Dial *120*001# from your registered mobile number.
  2. Log in using your 5-digit Cellphone Banking PIN.
  3. Select “Buy” from the main menu.
  4. Choose “Airtime, Data & SMS”.
  5. Select:
    • Your own number, or
    • Another number (enter the recipient’s cellphone number)
  6. Choose your network provider (MTN, Vodacom, Cell C, Telkom).
  7. Enter the amount you want to purchase.
  8. Confirm the transaction.

You’ll receive a confirmation SMS, and the airtime or data will be credited instantly.

 

How to Send money for instant, cardless withdrawal from nedbank cellphone banking

 

Sending money for instant, cardless withdrawal using Nedbank Cellphone Banking is simple and secure. The recipient doesn’t need a bank account—just a South African cellphone number. Here’s how to do it:
  1. Dial *120*001# from your registered mobile phone.
  2. Log in using your 5-digit Cellphone Banking PIN.
  3. Select “Send Money” from the menu.
  4. Enter the recipient’s cellphone number.
  5. Type in the amount you want to send (up to R5,000 per day).
  6. Confirm the transaction.

The recipient will receive an SMS with a voucher number and OTP. They can withdraw the money at any Nedbank ATM or participating retail store like Shoprite, Pick n Pay, or Checkers

How to Check account balance and transactions using nebank Cellphone banking

Checking your Nedbank account balance and transactions using Cellphone Banking is quick, secure, and doesn’t require internet or a smartphone. Here’s how to do it using USSD:

  1. Dial *120*001# from your registered mobile phone.
  2. Log in using your 5-digit Cellphone Banking PIN.
  3. Select “1” for Balances from the main menu.
  4. Choose the account you want to check.
  5.  Your account balance will be displayed instantly.
  6. To view recent transactions, select the account again to see up to 20 of your latest transactions.

Read: Absa cellphone banking: steps to Register, transfer money and check Balance

How to make payments using Nedbank Cellphone Banking

Making payments with Nedbank Cellphone Banking is fast, secure, and works on any mobile phone—no app or internet required. Here’s how to do it using USSD:

  1. Dial *120*001# from your registered mobile number.
  2. Log in using your 5-digit Cellphone Banking PIN.
  3. Select “Pay” from the main menu.
  4. Choose your payment type:
    • 1 for My Recipient (saved beneficiaries)
    • 2 for Bank-approved Recipients
    • 3 for Government Payment Requests
  5. Enter the recipient’s details (name, account number, reference).
  6. Type in the amount you want to pay.
  7. Confirm the transaction.

You’ll receive a confirmation SMS once the payment is successful

How to Transfer money using Nedbank Cellphone Banking

Transferring money with Nedbank Cellphone Banking is quick, secure, and works on any mobile phone—no app or internet required. Here’s how to do it using USSD:

  1. Dial *120*001# from your registered mobile number.
  2. Log in using your 5-digit Cellphone Banking PIN.
  3. Select “Transfer” from the main menu.
  4. Choose:
    • Between My Accounts, or
    • To Another Nedbank Account, or
    • To Other Banks
  5. Enter the recipient’s account number or select from saved beneficiaries.
  6. Type in the amount you want to send.
  7. Add a reference (optional).
  8. Confirm the transaction and follow the prompts.
  9.  You’ll receive a confirmation SMS once it’s successful.

How to send money to a cellphone number

Sending money to a cellphone number from Nedbank is easy and doesn’t require the recipient to have a bank account. The service is called Send-iMali, and here’s how to use it:

Using Nedbank Cellphone Banking (USSD)

  1. Dial *120*001# from your registered mobile phone.
  2. Log in with your 5-digit Cellphone Banking PIN.
  3. Select “Send Money” from the menu.
  4. Enter the recipient’s cellphone number.
  5. Type in the amount you want to send (up to R5,000/day).
  6. Confirm the transaction.

The recipient will receive an SMS with a voucher number and OTP to withdraw the money at a Nedbank ATM or participating retail store like Shoprite, Pick n Pay, or Checkers

Using the Nedbank Money App

  1. Log in to the app.
  2. Tap “Pay”, then select “Send Money”.
  3. Enter the recipient’s cellphone number and amount.
  4. Choose the account to debit.
  5. Confirm the transaction.

How the Recipient Withdraws the Cash

  • Go to a Nedbank ATM or retail partner.
  • Select Cardless Withdrawal.
  • Enter:
    • Cellphone number
    • Voucher number
    • OTP
    • Amount
  •  Cash is dispensed instantly

How to Make payments online or on your cellphone via Nedbank

 

Making payments online or on your cellphone via Nedbank is super convenient, secure, and works across multiple platforms. Whether you prefer using the Money app, Online Banking, or Cellphone Banking (USSD), here’s how to do it:

Using Nedbank Cellphone Banking (USSD)

  1. Dial *120*001# from your registered mobile phone.
  2. Log in with your 5-digit PIN.
  3. Select “Pay” from the main menu.
  4. Choose your payment type:
    • 1 for My Recipient (saved beneficiaries)
    • 2 for Bank-approved Recipients
    • 3 for Government Payment Requests
  5. Enter the recipient’s details, amount, and reference.
  6. Confirm the transaction.

You’ll receive a confirmation SMS once the payment is successful.

PayShap on yourNedbank Cellphone Banking

Using the Nedbank Money App

  1. Log in with your Nedbank ID, app PIN, or biometric login.
  2. Tap “Transact”, then “Pay”.
  3. Choose:
    • Saved beneficiary
    • New recipient
    • Pay to cellphone number (Send-iMali)
  4. Select Instant Payment if needed.
  5. Enter the amount, review details, and tap Pay.
  6. Approve the transaction via Approve-It message.

Using Nedbank Online Banking

  1. Log in at Nedbank Online Banking.
  2. Go to “Pay”, then “Single Payment”.
  3. Enter recipient details or select from saved beneficiaries.
  4. Choose Instant Payment or standard EFT.
  5. Enter the amount and confirm.

Instant payments reflect within seconds—even across different banks.

Other Payment Options

  • Scan to Pay: Use QR codes at merchants via the Money app.
  • Virtual Cards: Make secure online or in-app purchases without exposing your physical card.
  • Contactless Payments: Add your Nedbank card to Apple Pay, Samsung Pay, or Google Wallet for tap-to-pay convenience

PayShap on yourNedbank Cellphone Banking

PayShap on Nedbank Cellphone Banking lets you send and receive money instantly using just a cellphone number—no need to share bank account details. Here’s how to use

How to Register for PayShap

  1. Dial *120*001# from your registered mobile phone.
  2. Log in with your 5-digit Cellphone Banking PIN.
  3. Select “PayShap” from the main menu.
  4. Choose “Register a ShapID”.
  5. Select the account you want to link to your cellphone number.
  6. Accept the terms and conditions.
  7. Tap Register, then Done.

Your cellphone number is now your ShapID, ready to receive payments instantly.

How to Send Money via PayShap

  1. Dial *120*001# and log in.
  2. Select “PayShap”.
  3. Choose:
    • “Pay a ShapID” for a new recipient, or
    • “Pay recipient” for saved contacts.
  4. Enter the recipient’s ShapID (cellphone number).
  5. Select the bank the ShapID is linked to.
  6. Enter the amount and a reference.
  7. Review and confirm the payment.

The money reflects in the recipient’s account within seconds

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I’m a content writer with an M.Sc. in Business Administration, combining analytical business knowledge with creative writing. My work focuses on producing content that not only informs but also supports strategic objectives, helping brands connect meaningfully with their audiences
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