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    Electricity advances available now

    Get a prepaid electricity advance when you need it

    Choose the web portal, MoyaApp, WhatsApp or USSD. Check eligibility and the amount available for your prepaid meter before you confirm.

    Out of airtime and data? Use MoyaApp.

    Message Umhlakasi in MoyaApp even when you have no airtime or data balance.

    For text messaging on supported South African networks. MoyaApp and network coverage are required. Downloads, media and external links may use data.

    Electricity advances powered by BluAdvance.

    How to get an electricity advance

    What is an electricity advance? An electricity advance gives a qualifying prepaid customer an electricity token now, with the amount owed recovered later under the accepted service terms. It is electricity credit, not a cash payment.
    01

    Choose your channel

    Open the portal, MoyaApp or WhatsApp, or dial the USSD code *120*12209#.

    02

    Check your meter

    Select a saved meter or enter the prepaid meter number in the secure channel.

    03

    Review and confirm

    Check eligibility, review the amount and applicable terms, then confirm your request.

    04

    Receive your token

    Once the advance is completed, use the returned token on the selected meter. Repay later under the accepted terms.

    Looking for how to borrow electricity? Start by checking whether your prepaid meter qualifies.

    Choose a Channel

    Choose the way that works for you

    The Umhlakasi electricity advance USSD code is *120*12209#. The WhatsApp and MoyaApp number is 087 813 4433 (+27 87 813 4433).
    Web Channel

    Web Portal

    Register or log in with your mobile number or email and PIN/password. Manage advances, saved meters, balances, history and tokens. Internet access is needed.

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    MoyaApp

    Message without airtime or data balance

    Recommended when out of airtime and data. Open MoyaApp, message +27 87 813 4433, send MENU and follow the options shown. Text messaging works on supported South African networks; network coverage is still required. Downloads, media and external links may use data.

    087 813 4433

    WhatsApp

    Message 087 813 4433 and send MENU. Use mobile data or Wi-Fi; a separate airtime balance is not required when internet access is available.

    No Smartphone Needed

    USSD (*120*12209#)

    Dial *120*12209# and follow the menu. No smartphone or data bundle is needed. Airtime is required and network charges apply.

    Dial Code

    Selectable code: *120*12209#.

    Messaging & USSD Channel Preview

    Select a channel below to preview the menu screen before starting.

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    MoyaApp messaging interface showing Umhlakasi menu options

    Message Umhlakasi in MoyaApp and follow the numbered options.

    Open MoyaApp

    More control over your electricity account

    Manage everything seamlessly across web portal and messaging channels.

    Know your options

    Check the amount available for your meter before confirming.

    Find your recent tokens

    Retrieve up to the last four tokens returned for a selected saved meter.

    Keep track of your balance

    View your outstanding advance and repayment information.

    Review your history

    See electricity advances and repayments in one place.

    Manage your saved meters

    Label saved meters and choose a primary meter. Your meter is saved after a successful electricity advance returns a valid token.

    Manage your profile

    Update your details and manage your PIN/password through the portal.

    Web Portal

    Your electricity account, all in one place.

    Register or log in to request an advance, manage saved meters, check balances, view history and retrieve recent tokens.

    Umhlakasi Portal Dashboard

    Manage advances, meters, balances and recent tokens in the portal.

    Umhlakasi Portal Mobile Login view

    Open the portal to register or log in.

    Advance amounts and eligibility

    • Available advance values: R20, R30 or R50, inclusive of the applicable service fee.
    • Current service fee: R5 including VAT per electricity advance. The token value can be lower than the selected advance value because the fee is included.
    • Your available option depends on your transaction, electricity-use/purchase and repayment history and other BluAdvance criteria.
    • You must be 18 or older. Eligibility is checked for every request and approval is not guaranteed.
    • Only one advance may be active at a time. Repay the outstanding advance in full before another can be approved.
    Transparent Terms

    Understand what happens at your next top-up

    BluAdvance recovers an outstanding advance from later qualifying purchases under its terms. A later electricity top-up can therefore deliver less electricity, or in some circumstances no electricity from that purchase, until the amount is settled. Recovery is not limited to purchases made through Umhlakasi and can apply to purchases for a linked meter.

    Check the displayed fee, electricity-token value and total amount owed before confirming. Use your balance and transaction history to see repayments.

    Review the applicable terms in the secure channel. Amounts, eligibility and repayment conditions can differ.

    More ways to top up, coming soon

    We are continuously expanding options for our South African prepaid customers.

    Buy Electricity

    Coming soon

    Buy Airtime

    Coming soon
    Note: Airtime advances are currently unavailable.

    Electricity advance questions, answered

    Everything you need to know about requesting advances, repayment, and channel access.

    Getting Started

    An electricity advance gives a qualifying prepaid customer an electricity token now, with the amount owed recovered later under the accepted service terms. It is electricity credit, not a cash payment.

    Choose the portal, MoyaApp, WhatsApp or USSD. Follow the prompts to select or enter your prepaid meter, check eligibility, review the available amount and terms, then confirm. An advance is not guaranteed.

    Dial *120*12209# and follow the menu. A smartphone or mobile-data bundle is not required for USSD. Airtime is required; network charges apply.

    Use 087 813 4433 for both WhatsApp and MoyaApp, or save it as +27 87 813 4433. Use the links on this page to open the correct channel.

    Yes. Open https://portal.umhlakasi.co.za/ to register or log in. Check eligibility and the amount available for your meter before confirming an advance.

    Use the text-based Umhlakasi journey in MoyaApp on a supported South African mobile network. MoyaApp must be installed and network coverage is still needed. Downloads, media and external websites can use data. The separate web portal and WhatsApp need an Internet connection.

    Open MoyaApp using the button on this page and message Umhlakasi at +27 87 813 4433. Send MENU and reply with the option number shown. The link may open MoyaApp or its entry/download page; it does not guarantee a direct chat on every device.

    No. Dial *120*12209# from a mobile phone that supports USSD. MoyaApp and WhatsApp need a compatible device with the relevant app; the portal needs a web browser and Internet access.

    Amounts, Repayment and Tokens

    The currently published options are R20, R30 and R50 inclusive of the associated service fee. The current electricity-advance fee is R5 including VAT, so the electricity token value can be lower than the selected advance value. Review the breakdown shown before confirming.

    BluAdvance assesses each request using transaction, electricity purchase or usage and repayment history together with its other qualification criteria. A stronger history of use and repayment may increase the option available, but approval and a particular amount are never guaranteed.

    No. Only one advance may be active at a time. The outstanding advance must be repaid in full before another can be approved.

    You must be 18 or older and meet BluAdvance's current qualification criteria. Its published criteria refer to relevant transaction history, minimum monthly spending and top-up activity, but BluAdvance may apply additional or changed criteria and assesses each request separately.

    The service checks the customer and selected meter and shows the options currently available. Outstanding balances and eligibility conditions can affect the result. No fixed amount or universal meter coverage is promised.

    Review the amount and applicable terms shown in the secure channel before confirming. Do not confirm until you understand what is being advanced and how it will be repaid.

    An outstanding advance is normally recovered from a later qualifying electricity top-up under the terms accepted for that advance. Check your balance and transaction history to understand the recovery.

    BluAdvance may recover an outstanding advance from a later qualifying purchase under the accepted terms. This can reduce the electricity delivered and may, where the purchase does not exceed the amount owed, leave no electricity from that purchase. Check your Umhlakasi balance and history if a deduction is unfamiliar.

    The service will check the current eligibility and amount available for your meter. Repayment can restore availability, but settling an advance does not guarantee another one. Follow the result shown rather than assuming a fixed waiting period or limit.

    Open Last 4 Tokens in the portal and choose a saved meter. The portal shows up to the four tokens returned by the service, with the newest first. Messaging channels also offer previous-token options where enabled.

    Use My Meters to label saved meters and choose your primary meter. To use a new meter, enter it during an electricity-advance request. The meter is saved only after a successful advance returns a valid token. My Meters lets you manage meters already saved to your account.

    Your Account and Services

    Open the portal to register, verify the required mobile and email details, and set a PIN/password. Use Forgot your PIN/password to choose an available recovery channel. Recovery instructions are sent through the supported options; never share the code or your password in a partner-enquiry form.

    Your registered mobile number cannot be changed directly in My Details. Ask for help with the required verification, because your mobile channels use that number for access.

    Check the details and read the response shown. Use the channel Help option for guidance. Check balance, history and previous tokens before repeatedly confirming a request. A pending request is not the same as a completed advance.

    No. An electricity advance must be repaid under its terms. It is separate from municipal Free Basic Electricity arrangements. Umhlakasi does not promise FBE entitlement or availability.

    Free Basic Electricity is a public basic-services allocation for qualifying households. It is separate from an electricity advance and does not have to be repaid. Your municipality or electricity supplier decides whether the household and meter qualify.

    South Africa's national programme generally provides 50 kWh per household per month for qualifying grid-connected households. The actual allocation and rules are controlled by the relevant municipality or electricity supplier, so 50 kWh is not guaranteed for every meter or area.

    Yes. Where the feature and provider systems are available, select Free Basic Electricity in the Umhlakasi portal, MoyaApp, WhatsApp or USSD, choose the prepaid meter and follow the response shown.

    No. BluAdvance provides electricity advances. FBE entitlement comes from the applicable public basic-services programme administered through the municipality or electricity supplier. Umhlakasi provides a channel to check or claim an available allocation.

    Direct electricity purchases and airtime purchases are coming soon. Electricity advances are available now, subject to eligibility and terms.

    No. Airtime advances are currently unavailable.

    BluAdvance provides the electricity advances. Umhlakasi gives you access through its web portal, MoyaApp, WhatsApp and USSD, and helps you manage your account through those channels. The advance is subject to BluAdvance's terms and approval. Read our Terms and Conditions for the provider agreement and Umhlakasi access information.

    Choose the way that works for you

    Check whether your prepaid meter qualifies via Web Portal, MoyaApp, WhatsApp or USSD.

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