SmartCash Payment Service Bank USSD Code And SmartCash Payment Service Bank Transfer code
The official SmartCash PSB USSD code is *939#. SmartCash Payment Service Bank provides mobile financial services that allow customers to transfer money, check account information, purchase airtime and data, pay bills, and manage their wallets. The service is designed to make financial transactions accessible through a mobile phone without requiring an internet connection.
SmartCash Payment Service Bank, also known as SmartCash PSB, is a Nigerian payment service bank established to improve access to digital financial services. Customers can use its USSD service, mobile application, or authorised agent network to access supported transactions.
What Is the SmartCash PSB USSD Code?
The official SmartCash Payment Service Bank USSD code is *939#. Dial this code from your mobile phone to access the available SmartCash services and follow the instructions displayed on your screen.
USSD banking is useful when you do not have mobile data, cannot access a smartphone application, or prefer to perform basic transactions through your phone’s dialler. You still need a working mobile network connection to start and complete a USSD session.
SmartCash PSB lists the following services among the activities customers can perform through its platform:
- Transfer money to another SmartCash wallet.
- Transfer money to other Nigerian bank accounts.
- Check account information and transaction history through supported channels.
- Purchase airtime and mobile data.
- Pay supported bills.
- Fund a SmartCash wallet.
- Upgrade a wallet account.
- Reset a forgotten transaction PIN.
- Block a wallet when a phone or account is compromised.
To get started, dial *939# and choose the service you need from the menu. The menu displayed on your phone should take priority over instructions from older articles because menu arrangements and service availability can change.
What Is the SmartCash Payment Service Bank Transfer Code?
The SmartCash Payment Service Bank transfer code is *939#. It opens the USSD menu through which eligible customers can access the money transfer service.
You can use this code to initiate transfers from your SmartCash wallet to another SmartCash wallet or an eligible account at another Nigerian bank. You do not need to open the mobile application to use the USSD option.
To make a transfer, dial *939#, select the transfer service, and follow the instructions. Depending on the destination, you may need to provide a recipient’s phone number, bank account number, destination bank, and transfer amount. The system may request your SmartCash PIN to authorise the payment.
SmartCash also provides an official mobile application that supports transfers to bank accounts and mobile numbers. Customers can choose the channel that suits their circumstances, provided the service is available for their account.
How to Open a SmartCash PSB Account Using USSD
If you do not already have a SmartCash wallet, you can begin the registration process through the official USSD service or the SmartCash PSB mobile application.
To register through USSD, follow these steps:
- Insert an active SIM card associated with the mobile number you want to register.
- Open your phone’s dialler.
- Dial *939#.
- Select the account creation or registration option.
- Follow the prompts to provide the requested personal information.
- Create a secure four-digit PIN when instructed.
- Set up any required security question or additional verification.
- Complete the registration process and follow any confirmation instructions.
SmartCash may request additional information when you register or upgrade your wallet. Provide accurate details and follow the bank’s current instructions. If the registration menu does not appear, contact SmartCash customer support for assistance.
How to Transfer Money From SmartCash to Another Bank
SmartCash PSB supports transfers to other Nigerian bank accounts. You can initiate a transfer using the USSD menu or the official mobile application.
To transfer money through USSD:
- Dial *939# from your registered mobile number.
- Select the transfer option displayed on the screen.
- Choose the option for transferring money to another bank.
- Enter the recipient’s bank account number.
- Select the correct destination bank from the available list.
- Enter the amount you want to send.
- Review the beneficiary information displayed by the service.
- Enter your SmartCash transaction PIN when requested.
- Wait for the transaction result and retain the reference or confirmation message.
The precise menu sequence may vary, so follow the instructions shown during your session rather than relying on a fixed option number from an unofficial website.
Before authorising the payment, check the recipient’s account name, destination bank, account number, and transfer amount. If any information appears incorrect, cancel the transaction and check the details before trying again.
How to Transfer Money to Another SmartCash Wallet
If the recipient also has a SmartCash wallet, you can use the transfer service to send money directly to that wallet.
- Dial *939#.
- Select the transfer option.
- Choose the wallet transfer option, if displayed.
- Enter the recipient’s registered mobile number or other requested wallet details.
- Enter the amount you want to send.
- Confirm the recipient information.
- Enter your PIN to authorise the transaction.
After completing the transaction, check the confirmation message and your wallet balance. If the recipient does not receive the funds immediately, check the transaction history and contact customer support if necessary.
How to Check Your SmartCash PSB Balance
Checking your balance helps you determine whether you have enough money for a transfer, airtime purchase, or bill payment.
To check your account information, dial *939# and look for the balance or account information option available in the menu. Complete any verification requested by the service.
You can also open the official SmartCash PSB mobile application and review your wallet information and transaction history.
If the balance option is unavailable or the service does not respond, verify your network connection and try again. If the issue continues, contact SmartCash through its official support channels.
SmartCash PSB Airtime Purchase Code
SmartCash PSB allows customers to purchase airtime through its financial services platform. This can be useful when you want to recharge a mobile number without opening another banking application.
To buy airtime using USSD:
- Dial *939#.
- Select the airtime purchase option.
- Choose the relevant recharge option.
- Enter the phone number and amount requested by the menu.
- Review the details before confirming.
- Enter your PIN if prompted.
SmartCash supports airtime purchases as part of its digital wallet services. Available networks, transaction requirements, and promotional offers may vary. Confirm the selected phone number and recharge amount before authorising payment.
SmartCash PSB Data Purchase Code
You can also use SmartCash to buy mobile data for yourself or another person through supported services.
Dial *939#, select the data purchase option, and follow the instructions to select the network, bundle, and recipient where required. Review the bundle details and price before confirming the purchase.
Alternatively, you can use the SmartCash PSB application to browse available data options. The application advertises airtime and data purchases across supported networks.
If a data purchase fails, check your transaction history before attempting it again. This is particularly important if your wallet has already been debited.
How to Pay Bills With SmartCash PSB
SmartCash PSB provides bill-payment services through its platform. Depending on the current service menu, customers can pay for supported electricity, cable television, internet, and other services.
To pay a bill through USSD, dial *939# and select the bill-payment option. Choose the appropriate biller, enter the required customer reference or meter details, and provide the amount or package information requested.
Check all customer details before confirming the payment. For electricity purchases, ensure that the meter number is correct. For television subscriptions, verify the smartcard or customer number.
Keep your payment confirmation or transaction reference in case you need to contact customer support.
SmartCash PSB Wallet Limits and Account Upgrades
SmartCash PSB offers different wallet tiers with different deposit and balance limits. Its published help information describes the following limits:
| Wallet tier | Maximum single deposit | Maximum cumulative balance |
|---|---|---|
| Tier 1 | ₦50,000 | ₦300,000 |
| Tier 2 | ₦200,000 | ₦500,000 |
| Tier 3 | No limit stated in the published summary | No limit stated in the published summary |
These are the limits listed in SmartCash PSB’s published help information. Current regulatory requirements, transaction-specific restrictions, and account verification conditions may apply, so confirm the limits with the bank before making a large transaction.
If you need to upgrade your wallet, the official USSD instructions provide access through the profile menu. Dial *939#, select 7 – My Profile, and look for the wallet or account upgrade option. Follow the prompts for BVN or NIN verification as applicable.
You can also upgrade your account through the official application by following the account upgrade instructions displayed there.
How to Reset Your SmartCash PSB PIN
Your SmartCash PIN protects your wallet and helps authorise transactions. If you forget your PIN, use the official reset process rather than guessing repeatedly.
SmartCash’s published instructions are:
- Dial *939#.
- Select 7 – My Profile.
- Select 1 – My PIN.
- Select 2 – Reset/Forgot PIN.
- Answer your registered security question.
- Create a new four-digit PIN.
- Confirm the new PIN as instructed.
Use a PIN that other people cannot easily guess. Never share your PIN with an agent, caller, or person claiming to be a bank employee.
How to Block a SmartCash Wallet if Your Phone Is Lost
If your phone is lost or stolen, someone with access to your SIM may attempt to access your financial services. SmartCash provides a dedicated wallet-blocking code for emergencies.
When using your registered mobile number, dial *939*911# and follow the instructions to enter your wallet PIN.
If you need to block the wallet using another mobile number, SmartCash publishes this format:
*939*911*CustomerPhoneNumber#
Replace the customer phone number with the mobile number linked to the wallet you want to block, following the service’s instructions.
If your phone or SIM is compromised, contact SmartCash customer support as soon as possible. You should also contact your mobile network operator to secure or replace the SIM card. Once your wallet is protected, review recent transactions and report any unauthorised activity.
How to Fund Your SmartCash PSB Wallet
SmartCash PSB supports several methods for adding money to a wallet.
- Transfer from another bank: Use another bank’s transfer service to send money to your SmartCash wallet using the correct beneficiary details.
- Receive money from another SmartCash wallet: Ask another customer to transfer funds to your wallet.
- Use an authorised agent: Visit a supported SmartCash agent location for wallet-funding assistance.
SmartCash also allows customers to receive money from other Nigerian banks into their wallets. Always confirm that the funds have arrived before attempting another transaction.
Why Is the SmartCash PSB USSD Code Not Working?
If *939# does not work, the cause may be a weak mobile signal, an unregistered account, a temporary service interruption, or an issue with your SIM or wallet.
- Confirm that your phone has mobile network coverage.
- Use the phone number associated with your SmartCash wallet.
- Make sure your wallet registration is complete.
- Redial the official code and follow the current menu.
- Check your account status if you have entered the wrong PIN repeatedly.
- Check transaction history before repeating a payment that may have gone through.
- Contact SmartCash customer support if the problem persists.
Do not assume that a failed USSD session means a transaction was not processed. If your balance has decreased, verify the transaction status before making another payment.
SmartCash PSB Customer Care Number
Customers who need assistance with USSD registration, transfers, wallet limits, failed transactions, or account security can contact SmartCash PSB through its official support channels.
- Customer care: 09125 939 939.
- Customer care from an Airtel line: 939, according to the bank’s published instructions.
- Email: [email protected].
- Fraud reporting: [email protected].
- Official website: https://smartcashpsb.ng/.
Confirm contact details through the official website if necessary. Never provide your wallet PIN or other confidential authentication details to someone who contacts you unexpectedly.
Frequently Asked Questions About SmartCash PSB USSD Code
What is the SmartCash Payment Service Bank USSD code?
The official SmartCash PSB USSD code is *939#. Dial it to access the available financial services menu.
What is the SmartCash PSB transfer code?
Dial *939# and select the transfer option to send money to another SmartCash wallet or an eligible Nigerian bank account.
Can I use SmartCash PSB without internet?
Yes. The USSD service does not require mobile data, although your phone needs an active mobile network connection.
Can I open a SmartCash wallet using USSD?
Yes. SmartCash’s official help page says customers can dial *939# and follow the registration prompts to create a wallet.
How do I block my SmartCash wallet?
Dial *939*911# from your registered number and follow the instructions. If using another number, follow the official third-party blocking procedure.
How do I contact SmartCash customer care?
SmartCash publishes 09125 939 939 as its primary customer care number and [email protected] as its support email.
Conclusion
The SmartCash Payment Service Bank USSD code is *939#, and the same code provides access to its money transfer menu. Customers can use the service to transfer funds, purchase airtime and data, pay supported bills, fund wallets, and manage account settings without opening a mobile application.
For a successful transfer, verify the beneficiary details, check your available balance, and authorise the transaction only after reviewing the information displayed. Keep your PIN private and use the dedicated wallet-blocking service if your phone or account is compromised.
For the latest instructions, account limits, and assistance with failed transactions, consult the official SmartCash PSB website or contact its customer care team.
