According to Pienaar, the advantage of dialling *120*321# is that the interactive transacting menu offers faster and more efficient usability -- 'and the increasing usage of this method by our customers is testimony to this."

'Users do not need to access any particular phone menu to access this service -- customers can enter their command direct from their own cell phone,' explains Pienaar.

With this new service customers can view their balance, get a mini statement, transfer money between their own FNB accounts, make payments, or top up their or anyone else's prepaid air time wherever they are, he concludes.