Ozow ME’s digital wallet solution, pocket helps further our mission of digitising cash. This enables faster and more secure payments than using EFT.

Pocket is Ozow ME’s digital wallet feature. You can top up your pocket directly from your bank account, then pay from your pocket into another pocket instantly. You can also receive funds the same way, using zero data and paying zero transaction fees. Pocket also allows you to withdraw your funds from an ATM, although there is a cost associated with this. Read more about pocket here.

Pocket to pocket payment

Paying from pocket to pocket is so easy, all you need to do is:

  1. Sign into your pocket in Ozow ME.
  2. Select “Pay Now”.
  3. Select “Pay into another pocket”.
  4. Punch in the amount you want to pay.
  5. Enter the cell number linked to the pocket you want to pay into.
  6. Confirm the payment.
  7. Validate the payment with the OTP you receive (bank authentication).


Registering for your pocket requires its own KYC process as part of the bank institutions we will make this a seamless as possible. Our current authorisation requires a "live selfie", set via a thumbs up selfie.

Top up pocket

Make sure your pocket is always full. To top it up:

  1. Sign into your pocket on Ozow ME.
  2. Select the drop down next to your pocket balance, and choose “Top up”.
  3. Enter the amount you want to top up your pocket with.
  4. Follow the payment flow.
  5. And that’s it! Your pocket is topped up and ready to be used.

Withdrawal process

The withdrawal process can be used in three ways – directly into an account, cash via a cash express ATM, and cash from a Pick n Pay teller. The process is essentially the same three methods, the major difference being the withdrawal fee and latency period.

The process is as follows:

  1. Select the drop down box next to your balance, and select “Withdraw”.
  2. Enter the amount you want to withdraw. Select “EFT into my bank account”, "Cash Express ATM", "Pick n Pay till point".
  3. Hit “Next”
  4. Confirm the amount, fee, and the account information (for Cash Express and Pick n Pay you will receive a voucher with expiration date).
  5. Select “Withdraw”.
  6. Enter the OTP that is sent to you via SMS (you will receive the voucher number via SMS and see it in transaction screens).


Withdrawal fee's

Account to account - R5.00 per transaction (across all major banks)

Cash Express - R10.00 per transaction (across every branch)

Pick n Pay Till point - R10.00 per transaction (across all Pick n Pay shops)