Smart Money is the world’s first electronic wallet card linked to a mobile phone which won the 2001 GSM Awards for “Most Innovative GSM Wireless Service for Customers”. It was also cited as the “Best Product Innovation” award at the MasterCard Marketing Awards in Australia. [from smart.com.ph]

To activate Smart Money:

1. Text MONEY to 343
2. Enter desired W-PIN (6-digits)
3. Re-enter W-PIN, press OK
4. Choose ‘Get Account’ press OK
5. Select BDO
6. Wait for your confirmation message

After activation, you can now apply for a Smart Money MasterCard. Click here on how to apply.

Once you get your card, you can now link your Smart Money MasterCard to your mobile phone. Only a maximum of two (2) Smart Money MasterCards/Accounts may be linked.

Go to your nearest Smart Wireless Center or Smart Money Accredited Outlet to load money into your Smart Money Account.

To start sending Smart Money,

1. Go to Smart Menu, select Smart Money
2. Select Transfer, press OK
3. Select Others, press OK
4. Enter your beneficiary’s Smart Money Number, press OK
5. You will receive a prompt message, press OK
6. Select source of funds, press OK
7. Enter amount you would like to send, press OK
8. You will receive a prompt message to confirm your transaction, press OK
9. Enter W-PIN, press OK
10. You will receive a confirmation message of your transaction
11. Beneficiary will also receive a confirmation message instantly

To buy load using Smart Money:

1. Go to Smart Menu, select Smart Money
2. Select Reload Buddy, press OK
3. Select Others, press OK
4. Enter Mobile Number, press OK
5. You will receive a prompt message, press OK
6. Select source of funds, press OK
7. Select amount, press OK
8. You will receive a prompt message confirming the transaction, press OK
9. Enter W-PIN, press OK
10. You will receive an SMS confirmation for every successful transaction
11. Beneficiary will also receive an SMS notification instantly

To pay bills using Smart Money:

1. Go to Smart Menu, select Smart Money
2. Select Pay Bills, press OK
3. Select Others, press OK
4. Enter Biller Code, press OK
5. Enter Bill Account Number (please refer to your billing statement), press OK
6. You will receive a prompt message, press OK
7. Select source of funds, press OK
8. Enter amount you would like to pay, press OK
9. You will receive a prompt message confirming the transaction, press OK
10. Enter W-PIN, press OK
11. Subscriber will receive an SMS confirmation of his transaction

To purchase at selected establishments using Smart Money, text

<Store Code> <AMOUNT> and send to 270

You can also use your Smart Money MasterCard to pay at any MasterCard establishments worldwide.

Smart Money has a maximum withdrawable amount of Php 20,000 per day. The maximum amount of money you may transfer per day is Php 10,000.