1. Dial *120*001# and log in to Cellphone Banking
  2. Choose Pay from the main menu. 
  3. Select from which account you would like to make your payment. 
  4. Select 1 for My recipient to pay a saved beneficiary or choose a beneficiary from your list of saved recipients. Then, enter the amount and confirm the payment. 
  5. Select 2 for Bank-approved recipients. Search for the recipient name from the list of Nedbank-approved beneficiaries. Enter the statement reference, then the amount and confirm the payment.
  6. Select 3 for Government payment requests. Choose the relevant payment request, confirm or change the statement reference and confirm the payment.