Mukuru Card

Mukuru Card FAQs

For convenience and great benefit get your Mukuru Card now!

How do I activate my Mukuru Card?

Option 1: EFT transfer of at least R100 using your 11 digit unique Mukuru Card number into Bank of Athens.

Option 2: Cash deposit using a wiCode at any Shoprite / Checkers / Usave by dialing *130*567# and requesting a wiCode on your phone.

How do I check my balance?

  • SMS your card number to 34246.
  • View your balance at an ATM.
  • Dial *130*567# and follow the prompts.

How do I buy airtime?

Dial *130*567# and follow the prompts.

How do I send money internationally and locally?

Simply dial 130567#, call 086 001 8555 or visit our mobi site or Mukuru App.

How do I set my USSD secret pin for my phone?

To set your USSD Secret PIN, dial 130567#, choose the card option and follow the prompts.

How do I reset my Mukuru Card ATM pin?

Send your ID or Passport number with the last 4 digits of the card number to 34246.

What do I do if my card is stolen, lost or my PIN is compromised?

Dial *130*567#, choose card option and follow the options to stop your card. If you experience a problem using USSD: Call 086 001 8555 (Call centre office hours only) or call 086 111 5196 (between 09h00 – 23h00).

  • Please note that if the call centre is experiencing high call volumes it might delay your card being stopped.
  • Your card is like cash. If it is stolen, you will lose the funds in your card.

How long does it take to load funds on my card?

24 – 48 hours.

If my card is blocked when money is transferred, how do I get my money?

Send us a copy of your POP and we will trace your payment.

If my employer doesn’t use the correct details, is my money lost?

NO, send us a copy of your POP and we will trace your payment.

Can I deposit cheques into my card and how long do they take to clear?

YES, 14 working days.

What happens if my employer wants a refund?

They need to send a written request to [email protected].

I had a payment made for me a long time ago. Can I still get my funds?

YES, send us a copy of your POP and we will trace your payment.

How can I get my statement and EFT details?

Send an email to [email protected] / call the Contact Centre / via USSD on *130*567#.

What happens if I have no money for the card fees?

They are collected the next time money is deposited.

How do I unblock my card?

Call the Contact Centre on 086 001 8555 and request your card to be unblocked.

What happens if more than R25,000 is transferred for me?

R24999.99 is loaded onto your card and the balance goes to your reserve account. Funds are then topped up each morning.

Can I use my card outside South Africa?

No, the Mukuru Money Card is for use only in South Africa.

Can I get a payment from outside South Africa?

No, only payments made within South Africa can be loaded.

Can I transfer funds to another Mukuru Card holder?


How will I know if there is money loaded onto my card?

An SMS is sent to you when funds are loaded / deducted from your card.

What do I do if there is money missing from my card?

BLOCK YOUR CARD immediately, then call the Call Centre on 086 001 8555.