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Cellphone Banking

  1. Dial *130*321#
  2. Select Send Money
  3. Select the account you want to send money from
  4. Key in the cellphone number you want to send to
  5. Enter the amount you want to send
  6. Confirm that all is correct (make sure you entered the right cellphone number)

To send money using FNB Cellphone Banking you need to be registered for Cellphone Banking.

To register for Cellphone Banking, dial *130*321#

Online Banking

  1. Log into FNB Online Banking
  2. Select the Payments tab
  3. Enter your One Time PIN (OTP)
  4. Select Send Money
  5. Select the account you want to send money from
  6. Select the amount you want to send
  7. Key in the cellphone number you want to send money to
  8. Click on finish

You need to register for Online Banking to send money via the Internet


  1. Insert your card and enter your PIN
  2. Select More options
  3. Select Buy It/Pay It
  4. Select Send Money. Read the terms and conditions and then select Proceed
  5. Key in the cellphone number you want to send money to and select Proceed
  6. Key in the amount you want to send money to and select Proceed
  7. Confirm that all the details are correct and select Proceed
  8. Remember to take your card

No registration or application is necessary if you send money via an FNB ATM


Fee (BWP)
Send Money P9.40
Withdrawal (You get 1 free withdrawal with every wallet send without exceeding maximum of 4 free withdrawals in the wallet) FREE
Dormant eWallet (up to 6 months) FREE
Dormant eWallet (after 6 months) FREE

Standard network operator rates apply when using your cellphone.

You have access to eWallet

If you are an FNB client with an active transactional account, you already have access to the eWallet service.

Login to Online Banking, Cellphone Banking or visit your nearest ATM and select Send Money to make use of this safe and convenient way to send money to anyone.

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Send money anywhere, any time

The eWallet allows FNB customers to send money to anyone with an active cell number. Money is transferred instantly. Recipients can use the money in the eWallet to buy airtime, send money to other cellphones and more.


How it works

Instantly send money or make payments

  • You can send money to friends and family members or make a payment to anyone simply and hassle free
  • Money can be sent to anyone who has a valid Botswana cellphone number and the recipient does not need to have a bank account
  • Any GSM cellphone model can be used to send money or to receive money
  • Money is instantly available in the eWallet
  • Money will be stored in an eWallet. Recipients will be able access the money immediately at an FNB ATM without needing a bank card and without filling in any forms
  • Recipients will get all of the money sent as there are no ATM charges to withdraw money
  • Recipients don't have to withdraw all the money at once
  • Recipients can also check the balance, get a mini statement, buy prepaid airtime, send money on to someone else's cellphone
  • You can send money at any time of the day or night via Cellphone Banking, FNB Online Banking, FNB App or at an FNB ATM

What's hot

It's for everyone

Send money to anyone with a valid Botswana cellphone number

It's simple

The recipient does not need a bank account or bank card

It's convenient

Money can be sent anytime, anywhere, from the comfort and safety of your own home

It's fast

The money is sent immediately and the recipient can access the funds immediately

It's free of bank charges

Pay no bank charges when you send money via eWallet

Ways to send

Send the way you want to

As an FNB customer you can use one of FNB's convenient digital channels to send money to anyone with a valid cellphone number on any network.


Ways to use

Withdraw, buy + spend

When you receive an SMS notifying you that money has been sent to your cellphone, you can do the following

  • Send a portion of the money in the eWallet to another eWallet in exactly the same way
  • Withdraw all or some of the money from the eWallet at an FNB ATM without needing a bank card. The rest of the money can be withdrawn at a later stage
  • Buy prepaid airtime from the eWallet
  • Check the eWallet account balance or get a mini statement
  • How to receive money

How to receive money

Turn your phone into a wallet

Once you've received an SMS telling you that you have been sent money

  1. Dial *130*392# to access the eWallet
  2. Set a secret 5-digit PIN for the eWallet
  3. Select 'Withdraw cash' and then 'Get ATM PIN'
  4. You'll receive an SMS with an ATM PIN
  5. Go to an FNB ATM
  6. At the ATM press the green button (enter/ proceed) and then Wallet Services
  7. Key in your cellphone number and ATM PIN
  8. Choose the amount of money to withdraw. Make sure that either your transaction has ended or that you press 'cancel' before leaving the ATM

If you have been sent money but you have no airtime , dial *103*392# to buy airtime with the money that has been sent to you. Then dial *130*321# .


Costs + limits

Fees apply

View the fees for sending money

Read more

Daily limit

No more than P5000 can be sent to the eWallet per day (including your prepaid purchases).

Recipient limit

The maximum amount that can be sent to the eWallet depends on the existing balance in the eWallet, as the balance cannot exceed P 5000 at any given time.

eWallet activation

If an eWallet has not been activated within 13 days, the money will be returned to the sender.

Doing it made easy


How to do it

Do it now!

Other ways to apply

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