Airtel Smartcash Code: How To Use It For Banking Services & Pay All Bills

Airtel Smartcash Code: Are you looking for a convenient and secure way to manage your money without visiting a bank branch? Do you want to enjoy banking services even if you live in a remote or rural area? If yes, then you should try the Airtel smartcash code, a USSD code that enables you to access banking services from your phone.

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What is Airtel Smartcash Code: How to Use It for Banking Services

Airtel smartcash code is *939#, and it is powered by Smartcash PSB, a subsidiary of Airtel Nigeria that is licensed by the Central Bank of Nigeria (CBN) to operate as a payment service bank. Smartcash PSB aims to ensure financial inclusion for all Nigerians by offering simple-to-use, reliable, and trustworthy banking services to both rural and urban customers.

With Airtel smartcash code, you can do the following:

Open a Smartcash wallet or account
Fund your Smartcash wallet or account
Withdraw cash from your Smartcash wallet or account
Transfer money to Smartcash PSB, other banks, or phone numbers
Pay bills for various services
Check your Smartcash wallet or account balance
Request funds from a friend
Block your Smartcash wallet or account

In this article, we will explain how to use Airtel smartcash code for each of these services, and answer some frequently asked questions about it. By the end of this article, you will be able to use Airtel smartcash code to manage your money with ease and confidence.

How to Open a Smartcash Wallet or Account Using Airtel Smartcash Code

To open a Smartcash wallet or account using Airtel smartcash code, follow these steps:

Dial *939# on your Airtel registered number

Input your preferred PIN (4-digit number)

Confirm the PIN (Ensure it is something you can remember)

Answer one security question like ‘What is your mother’s maiden name?’ or ‘Where did you go to elementary school?’

Your wallet or account has been created. A new NUBAN number will be displayed on your screen. Your phone number is also your account number.

How to Fund Your Smartcash Wallet or Account Using Airtel Smartcash Code

There are three ways to fund your Smartcash wallet or account using Airtel smartcash code:

Via an agent
Via a bank app
Via a friend

Airtel Smartcash Code: How To Use It For Banking Services & Pay All Bills — Airtel Smartcash PSB Code: How To Use It For Banking Services & Pay All Bills

Via an Agent

To fund your Smartcash wallet or account via an agent, follow these steps:

Dial *939# on your Airtel registered number

Select option 1 for ‘Add Money’

Locate a Smartcash agent and hand your money over to them

Provide your phone number (wallet or account number) to be funded

Your wallet or account will be immediately funded and you will receive a text to confirm the amount funded

To locate a Smartcash agent near you, you can either:

Dial *939# and select option 7 for ‘Find an Agent’

Download the Smartcash PSB app from either Google Play Store or the Apple App Store, open it, and select ‘Find an Agent’

Via a Bank App

To fund your Smartcash wallet or account via a bank app, follow these steps:

Open your regular bank app

Select the amount you want to fund

Input your phone number as your account number

Search for Smartcash PSB

Input your PIN to complete the transfer

Your wallet or account has been funded

You will receive a text to confirm the funding

Via a Friend

To fund your Smartcash wallet or account via a friend, follow these steps:

Dial *939# on your Airtel registered number

Select option 1 to ‘Add Money’

Select option 2 to ‘Request Funds from a Friend’

Input the friend’s phone number

Input the amount you want to request

Input your PIN to confirm the request

The request will be sent to the friend via text

The friend can accept or decline the request

If the friend accepts, your wallet or account will be funded

You will receive a text to confirm the funding

How To Become A Smartcash PSB Agent

Here’s a simplified version:

Want to earn cash back on your transactions? Become a SmartCash agent!

To sign up, you need:

A shop (kiosk or rented space)

BVN Number

NIN (National Identification Number)

Airtel phone number

Utility bill (Electricity or water bill)

If you have these, go to https://smartcashpsb.ng/become-an-agent, fill out the form, and submit it. After you submit, SmartCash will review and send representatives to meet with you for further checks.

How to Withdraw Cash from Your Smartcash Wallet or Account Using Airtel Smartcash Code

To withdraw cash from your Smartcash wallet or account using Airtel smartcash code, follow these steps:

Dial *939# on your Airtel registered number

Select option 5 to ‘Withdraw Cash’

Input the amount that you want to withdraw (Maximum of 20,000 Naira)

Input your PIN

Wait for a text with your unique Paycode

Present the Paycode to your agent

Receive your cash from the agent

How to Transfer Money from Your Smartcash PSB Wallet or Account Using Airtel Smartcash Code

To transfer money from your Smartcash wallet or account using Airtel smartcash code, follow these steps:

Dial *939# on your Airtel registered number

Select option 4 to ‘Transfer Money’

Select the option of whom you want to transfer to (1- Smartcash PSB, 2 -other banks, 3- phone number)

Input the recipient’s account number or phone number

Input the amount you want to transfer

Input your PIN to confirm the transfer

You will receive a text to confirm the transfer

How to Pay Bills from Your Smartcash Wallet or Account Using Airtel Smartcash Code

To pay bills from your Smartcash wallet or account using Airtel smartcash code, follow these steps:

Dial *939# on your Airtel registered number

Select option 6 to ‘Pay Bills’

Select the category of the bill you want to pay (e.g. electricity, cable TV, airtime, etc.)

Select the specific service provider of the bill you want to pay (e.g. Eko Electricity, DSTV, Airtel, etc.)

Input the customer ID or phone number of the bill you want to pay

Input the amount you want to pay

Input your PIN to confirm the payment

You will receive a text to confirm the payment

How to Check Your Smartcash Wallet or Account Balance Using Airtel Smartcash Code

To check your Smartcash wallet or account balance using Airtel smartcash code, follow these steps:

Dial *939# on your Airtel registered number

Select option 2 to ‘Check Balance’

Input your PIN to reveal your balance

Your Smartcash balance will be displayed on your screen

How to Request Funds from a Friend Using Airtel Smartcash Code

To request funds from a friend using Airtel smartcash code, follow these steps:

Dial *939# on your Airtel registered number

Select option 1 to ‘Add Money’

Select option 2 to ‘Request Funds from a Friend’

Input the friend’s phone number

Input the amount you want to request

Input your PIN to confirm the request

The request will be sent to the friend via text

The friend can accept or decline the request

If the friend accepts, your wallet or account will be funded

You will receive a text to confirm the funding

How to Block Your Smartcash Wallet or Account Using Airtel Smartcash Code

To block your Smartcash wallet or account using the Airtel smartcash code, follow these steps:

Dial *939*911# on your Airtel registered number
Input your PIN linked to the wallet or account
Your wallet or account will be blocked

To block a third party’s wallet or account using the Airtel smartcash code, follow these steps:

Dial *939*911*Customer Phone Number# on your Airtel registered number
Input your PIN linked to the wallet or account
The third party’s wallet or account will be blocked

How do I activate SmartCash?

Open ‘My Cards’ and find your SmartCash card picture.

Press the activate button. This makes a special code sent to your email.

Type in your 16-digit card number, the 3-digit code, and your account password.

Your card is now ready to use.

How can I get my SmartCash pin?

Dial *939# on your phone.

Choose option 7 for My Profile.

Pick option 1 for My Pin.

Select option 2 for Reset/Forgot Pin.

Answer your Security Question.

Create a new 4-digit Pin.

Confirm your 4-digit Pin.

How can I borrow money from SmartCash?

To borrow money on smartcash follow this instructions

Fill out the online form on their website.

Check your email.

Submit the necessary documents.

They email you in 60 minutes if your loan is approved.

If your loan gets approved.

What Is Airtel Smartcash Customer Care Number?

If you need help or want to report fraud, you can call at 09125-939-939 or email customerservice@smartcashpsb.ng for support and frauddesk@smartcashpsb for fraud reports.

Frequently Asked Questions About Airtel Smartcash Code

Here are some of the common questions and answers about Airtel smartcash code:

How can I check my Airtel SmartCash balance?

To check your balance, Just dial *939*0#

Does SmartCash have ATM card?

Yes, A SmartCash card is like a prepaid Visa debit card. You can use it anywhere in the world that accepts Visa. Use it online, in stores, on the phone, or at an ATM to take out cash.

Does SmartCash have POS?

Yes, SmartCash POS is an Android device from Airtel that works like a cash register. It includes an Airtel SIM card and free data, making transactions quick. It has the lowest cost for transactions compared to others.

What are the charges for using Airtel smartcash code?

The charges for using Airtel smartcash code vary depending on the service and the amount involved. However, some of the charges are:

Opening a wallet or account: Free
Funding a wallet or account: Free
Withdrawing cash from a wallet or account: 1% of the amount (Minimum of 10 Naira, Maximum of 50 Naira)
Transferring money to Smartcash PSB: Free
Transferring money to other banks: 10 Naira
Transferring money to phone numbers: 10 Naira
Paying bills from a wallet or account: 50 Naira
Checking balance: Free
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