Money Transfer Made Simple

Send money instantly to anyone in South Africa using just their phone number. No bank details needed, no complicated forms - just fast, secure transfers that work on any phone.

2 min Average Transfer Time
R5 Starting Fee
24/7 Available

Send Money

R 500.00

Money Received!

R 500.00 from John

Available now

Why Choose E-Smart Money Transfer?

Experience the fastest, most convenient way to send money in South Africa

Instant Transfers

Money arrives in seconds, not hours. Recipients get instant notifications and can access funds immediately.

Phone Number Only

No need for bank account numbers or branch codes. Just enter the recipient's phone number and send.

Secure & Safe

Bank-level encryption, PIN verification, and fraud monitoring protect every transaction.

Low Fees

Transparent pricing starting from just R5. No hidden charges or surprise fees.

Works on Any Phone

Send money from smartphones using our app or basic phones using USSD *120*3274#.

Transaction History

Track all your transfers with detailed history, receipts, and status updates.

How to Send Money

Three simple steps to send money to anyone

1

Open E-Smart App

Launch the app and tap "Send Money" from your dashboard

R 2,450.00
Send Money
2

Enter Details

Add recipient's phone number and amount to send

3

Confirm & Send

Review details, enter your PIN, and send instantly

Money Sent!

1
Dial *120*3274#

1. Check Balance

2. Send Money ←

3. Buy Airtime

0. More Options

Dial *120*3274# and select option 2

2
Send Money

Enter phone number:

0821234567

Enter amount:

500

Enter recipient's number and amount

3
Confirm Transfer

Send R500 to

0821234567?

Fee: R8.50

1. Confirm

2. Cancel

Confirm and enter your PIN

Transfer Fees

Transparent, affordable pricing with no hidden costs

Standard Transfers

R1 - R100 R5.00
R101 - R500 R8.50
R501 - R1,000 R12.00
R1,001 - R3,000 R18.00
Above R3,000 R25.00
Instant delivery
SMS notifications
24/7 support