Airtel SmartCash PSB Nigeria: Simple Mobile Money Transactions

Airtel SmartCash PSB offers a practical way for Nigerians to manage money directly from their mobile phones. It supports payments, transfers, airtime and data purchases, and much more. With its USSD-based system and dedicated app, even users without smartphones can benefit from its services.

Getting Started with Airtel SmartCash

To begin using Airtel SmartCash PSB, registration is essential. This service is available only to Airtel customers. After signing up for Airtel Money, users gain full access to SmartCash’s features.

How to Access SmartCash

Dial *909# to access the Airtel SmartCash menu. From here, customers can choose to transfer funds, check their wallet balance, buy airtime, or pay bills.

For example, selecting the transfer option prompts you to enter the recipient’s details and the amount to send. To receive funds, share your SmartCash number—accessible via *909#.

Opening a SmartCash Wallet with USSD

Creating a wallet through *939# is quick and efficient:

1. Dial *939#
2. Choose a 4-digit PIN
3. Confirm your PIN
4. Answer a security question
5. Receive your wallet number (NUBAN)

The process generates your phone number as your account number, making transactions easier to manage.

Funding a SmartCash Wallet

Adding money to your SmartCash wallet can be done in multiple ways:

Using USSD

To fund your wallet via USSD:

• Dial *939#
• Choose “Add Money”
• Visit a SmartCash agent and provide your wallet number
• The agent processes your deposit, and a confirmation SMS follows

Via Bank App

Another method involves your bank’s mobile app:

• Open your bank app
• Enter the amount you want to transfer
• Input your phone number (wallet number)
• Select “Smartcash PSB” as the recipient
• Authorise the payment

A confirmation text appears once the wallet has been funded. This method is both secure and fast.

Requesting Wallet Funding from a Friend

If funds are running low, SmartCash makes it easy to request help:

• Dial *939#
• Select “Request Money”
• Enter the friend’s number
• Input the amount needed
• Confirm the request

An SMS is sent to your friend to prompt the transaction.

Withdrawing Funds from SmartCash

Cash withdrawals can be done through *9393:

1. Dial *9393
2. Choose the withdrawal option
3. Enter the amount
4. Confirm with your PIN
5. Visit the nearest agent or ATM for cash

Ensure your wallet balance can cover both the withdrawal and any applicable fees.

Transferring Money with SmartCash via USSD

To send money with ease:

• Dial *939
• Select “Transfer Money”
• Input the recipient’s number
• Enter the transfer amount
• Confirm with your wallet PIN

This method is instant, reliable, and convenient.

Checking Wallet Balance with Airtel SmartCash

Checking your balance is straightforward:

• Dial *939
• Choose the “Check Balance” option
• Your wallet balance will appear shortly

Even though simple, make sure your phone has credit to avoid any USSD charges.

Bill Payments Made Easy

SmartCash allows you to settle various bills using *939:

• Select the “Pay Bills” option
• Choose the bill category (electricity, water, etc.)
• Enter your customer number or account ID
• Confirm payment with your PIN
• Wait for a confirmation message

This feature removes the need to stand in queues or rely on internet access.

Buying Airtime and Data with Your Wallet

Top up your line directly from your SmartCash wallet:

• Dial *939#
• Choose to buy airtime or data
• Select whether for self or others
• Enter the phone number and service provider
• Input the desired amount (up to ₦20,000)
• Confirm with your PIN

Keep your balance topped up to enjoy uninterrupted mobile services.

Finding a SmartCash Agent Near You

To locate a nearby SmartCash agent using the mobile app:

1. Download the SmartCash PSB app from the Play Store or App Store
2. Launch the app
3. Choose “Find an Agent”
4. Enable location access
5. Input your location or use GPS

The app will list agents within your area who can assist with various services.

Using the Airtel Smart Cash Code

For users preferring simplicity, the Airtel Smart Cash code (*939#) enables quick access to services like transfers, airtime top-ups, and more. This code is essential for interacting with SmartCash features, especially when using a feature phone.

Furthermore, new users can create a wallet and fund it right from the USSD menu. Dialling the Airtel Smart Cash code offers a flexible way to manage transactions at any time.

For those interested in similar mobile financial services, consider learning how to open an Opay account, another digital payment platform popular in Nigeria.

Additionally, Airtel users can check out how to cancel caller tunes or register as a SIM registration agent if they’re interested in becoming mobile service providers themselves.

Airtel SmartCash PSB provides flexibility for both personal and small business transactions. Whether you’re paying bills, requesting funds, or topping up airtime, every function is accessible through USSD or the mobile app. With wide agent coverage and a user-first approach, SmartCash continues to deliver financial services in a way that’s practical and widely accessible.