If you’re a Luno customer in South Africa, you can link your bank account to make instant deposits.
If you’re experiencing issues making an instant deposit, these troubleshooting steps should help:
Your bank account may be blocked or require you to take action.
Accept terms and conditions
You may need to accept your bank’s terms and conditions, which is commonly the case with Capitec and Nedbank clients. Please login to your internet banking website (not your banking app) to accept the notice displayed. Alternatively, contact your bank for help with online web portal activation.
Overdraft
If you’re having trouble making an instant deposit, your bank account might have gone into overdraft, which has led to your bank freezing the account.
Suspicious activity
Your bank might flag your transaction and block it as suspicious activity or you may be required to upload FICA documentation. In this case, please contact your bank to help resolve the issue with your bank account.
Tip
If you’re still experiencing problems with instant deposits and blocked transactions, please contact your bank to resolve the issue.
When attempting to add a recipient, FNB customers will see a Warning! screen reporting a suspicious request by ‘LPL’ - this is Luno, please proceed by selecting Yes, continue.
Here are some of the reasons you might be having trouble linking your account:
Connection error
You could be experiencing a network connection error. Please select TRY AGAIN to link your account.
Accounts mismatch
The identification number of the bank account holder does not match the identification number on your Luno profile. Select LINK ANOTHER ACCOUNT and ensure that you’re linking your own bank account and not that of someone else.
Duplicate account
The account you’re attempting to link has already been linked to your Luno profile, which means that you can go ahead and make your deposit.
Here are some of the reasons why you can’t add money to your account:
Payment timeout
Your session has timed out because too much time has passed during the transaction. To continue, select TRY AGAIN to make a deposit. This time, be sure to complete the transaction as quickly as you can
Payment failed
Payment has failed due to an error from your bank. Select TRY AGAIN to make another attempt or contact your bank if the problem persists.
Account blocked
As mentioned above, your bank might have blocked the transaction on your profile for various reasons. Contact your bank for assistance with unblocking your account or make the deposit using a different payment method.
Payment declined
Your deposit was declined by your bank. This usually happens when your deposit exceeds your bank account limit. Reduce the amount you’d like to deposit or log in to your banking app or website to increase your limit.
Insufficient funds
The funds in your bank account are not enough to make a deposit. To continue, add more funds to your bank account or reduce the amount you’d like to deposit.
Transaction delay
In rare cases, your deposit might take a little longer than usual to be processed. In this case, we’ll let you know and add it to your wallet as soon as it is processed.
Account limit reached (maximum)
You’ve tried to deposit more money than your bank account limit allows. Log in to your banking app or website to increase your payment limit or reduce the amount you’d like to deposit.
Account limit reached (minimum)
The amount you’ve tried to deposit is less than the limit set on your bank account. Increase the amount you’d like to deposit or log in to your banking app or website to increase the minimum limit.