Money sent to a cellphone number, cash out at a till without a card or bank account — that's an eWallet. Here's the full mechanics: how sending works, where the cash comes out, what the timers mean, and what an eWallet can never do.

Surprise: an eWallet number isn't a special number at all — it's just the cellphone number the money was sent to. Here's how to access it with *120*277#, where to spend it, and what an eWallet can't do.

FNB eWallet money goes back to the sender after about two weeks — but the cash-out PIN expires in just 16 hours. Here's what expires when, and how long SOLmate Ewallets and wiCodes stay valid.