Did you send an EFT from your Mama Money Card to another bank (such as FNB, Nedbank, Absa, Standard Bank, etc.), and has it not reflected? Here is what you need to know.

How Long Does It Take?

EFT payments sent from your Mama Money Card to another bank typically take up to 48 hours to reflect in the recipient's bank account. Please note that weekends and public holidays are not counted as part of this processing time.

For example:

• EFT sent on Monday → may only reflect by Wednesday
• EFT sent on Friday → may only reflect by Tuesday the following week
• EFT sent on a public holiday → processing only begins the next working day

Please do not panic if the funds have not reflected within this timeframe — this is completely normal for bank-to-bank transfers.

What to Check Before Contacting Us

Before reaching out to our support team, please check the following:

Step 1 — Confirm the transaction was successful on your end:

• Open the Mama Money app
• Go to your transaction history
• Check that the EFT shows as successful

Step 2 — Double-check the recipient's bank details:

• Confirm that the account number, bank name, and branch code entered were correct
• Even a small mistake in these details can cause the payment to be delayed or not reflect

Step 3 — Wait the full 48-hour processing time:

• Remember that weekends and public holidays are excluded
• If you sent the EFT just before a weekend or public holiday, please allow the appropriate additional time

If you have waited the full 48 hours (excluding weekends and public holidays) and the EFT still has not reflected, please contact us with the following information ready:

• Your Mama Money registered phone number
• The date the EFT was made
• The amount sent

• The recipient's bank statement 

  Once our team receives your information, we will investigate the transaction with the relevant bank. This investigation may take some time, as it requires confirmation from the receiving bank. You will be notified as soon as we have an update on your transaction.