The SMS-based BPI Express Mobile in SMART Menu allows Smart users to enjoy the convenience of doing wide range of bank transactions such as balance inquiry, fund transfers, bills payment, SMART prepaid airtime reloading and SMART Money reloading through their mobile phones. The SMS-based works with the text messaging facility of Smart, even without connecting to the internet. BPI Express Mobile was made available to Smart subscribers on September 2009.

BPI Express Mobile also comes in another variant — Internet-based. With Internet-based BPI Express Mobile, you can do the same transactions as SMS-based and more except Smart Money related transactions. To learn more about Internet-based BPI Express Mobile, click here.

Here’s how to setup and use SMS-based BPI Express Mobile on your Smart cellphone.

A. Register for BPI Express Mobile

1. Register your cellphone and account number.
   

   Text ENROLL <Account Number> <Joint Account Indicator> and send to 3274.

   *The Joint Account Indicator is the 2-digit number in the lower right portion of your ATM card.
   

2. Activate your enrollment through any of BPI’s ATMs nationwide.
   1. Insert Express Teller ATM Card
   2. Key-in your Pesonal Identification Number (PIN)
   3. Choose Special Services. Choose Activate Enrollment
   4. Choose EConnect – SMS Enrollment
   5. BPI will send a text message containing your initial Mobile PIN (MPIN) after (1) banking day

   

   Your initial MPIN is 157362. CHG your MPIN now! Send CHG oldMPIN newMPIN to 3274. Ref#111608314976

3. Change the initial MPIN to your own MPIN.
   

   CHG <Initial MPIN> <Own MPIN> send to 3274

   BPI will send a confirmation message.

   You have successfully changed your MPIN. Access your accounts anytime, anywhere with BPI Express Mobile. Go to Smart Menu > Mobile Banking > Activate Bank > enter BPI > enter MPIN. P2.5/txn Ref#06670345

B. Activate Mobile Banking Menu in your cellphone

1. Choose Mobile Banking in SMART Menu.
2. Choose Activate. If you already have an active bank, proceed to step 4.
3. Smart will send a text message confirming activation
4. Choose Activate Bank
5. Choose m-Pin
6. Enter BPI as Bank Code
7. Press OK to confirm
8. Enter m-Pin
9. Smart will send text messages confirming activation. BPI should now appear under Mobile Banking

Now, you are ready to use BPI Express Mobile!

C. Use BPI Express Mobile

1. Balance Inquiry for Deposit Accounts (Savings or Checking)
   

   BAL <MPIN> <AccountKey> send to 3274

   Account Key is composed of 2-letter Account Type and last 4 digits of your account number. Account Type; SA = Savings Account, CA = Checking Account. (e.g. SA1234). Balance Inquiry is also available in your Smart Menu.

2. Fund Transfer (to own deposit accounts only)
   1. Choose BPI from Mobile Banking Menu
   2. Choose Transfer
   3. Select Recipient Account
   4. Select Source Account
   5. Select Currency
   6. Enter amount to be transferred. Use either # or * in place of a decimal point.
   7. Enter M-PIN
   8. BPI will send a text message containing the details of the fund transfer

   
   

3. BPI to Smart Money Transfer. Transaction fee is Php 15 to be deducted from your BPI account. If you want to transfer Php 8,000 to your Smart Money, you will be charged Php 8,015 from your BPI account.
   1. Choose Smart Money from Smart Menu
   2. Choose Reload Money
   3. Select the Smart Money Card to be reloaded
   4. Choose BPI
   5. Select Source Account
   6. Enter amount to be transferred
   7. Enter M-PIN
   8. Smart will send a text message containing details of Smart Money reload

   
   

4. Smart Money to BPI Transfer. I tried it, it’s not working. I called Smart and they told me this is not possible. I’ll just write this down in case they implement this in the future.
   1. Choose Smart Money from Smart Menu
   2. Choose Transfer
   3. Choose Bank
   4. Choose BPI
   5. Select Recipient Account
   6. Select Smart Money Card to be debited from
   7. Enter the amount to be transferred
   8. Enter W-PIN
5. Reload Smart/TNT Prepaid
   1. Choose BPI from Mobile Banking Menu
   2. Choose Reload Prepaid
   3. Choose Buddy/TNT or Smart Bro
   4. Choose My Buddies (see Personalized Lists C6 to add Buddies) or Others.
   5. Select or Enter Mobile number
   6. Select Source Account
   7. Select the amount to be reloaded
   8. Enter M-PIN
   9. Smart will send a text message containing details of the reload

   
   

6. Bills Payment. Requires BPI-Smart Biller Codes.
7. Personalize Lists (for My Buddies and My Bills).
   1. Go to Smart Money > Personalize > My Lists > Add
   2. Choose My Buddies to add Buddies or choose My Bills to add billing accounts. Only Smart Money Biller Codes can be saved in “My Bills” list.

For other transactions, visit BPI Express Mobile for Smart.

Globe GCASH and Smart Money are the two available mobile money platforms in the Philippines. Here are the comparison between Globe GCASH and Smart Money?in terms of registration, sending money, withdrawal, security and other features.

Transaction Method

• Most Globe GCASH trasactions are mostly?SMS-based. Globe has GCASH menu but it has to be downloaded first.
• Most Smart Money transactions are done using the?Smart Menu.

Smart Menu comes pre-installed with Smart Money Menu.

Registration/Sign-up Process

• To sign-up for Globe GCASH, all you need to do is register via text message. Once registered, you can already start using GCASH.
• To sign-up for Smart Money, you first need to register thru Smart Menu or SMS.?Then apply for a Smart Money Mastercard at your nearest?Smart Wireless Center?and present a valid ID. It may take up to?7 days for the card to arrive. You cannot use Smart Money unless you get your card.

Applying for a Smart Money account can take up to seven days or more. Meanwhile, applying for GCASH only takes 5 minutes. No need to go to any Globe business center. No need to present a valid ID.?But the only problem with GCASH is their easy sign up process. Because Globe doesn’t require any proof of identification upon sign up, the system can be easily manipulated by scammers by creating a fake GCASH account.

Account Number

• When you register for GCASH, your GCASH account number is your 10-digit mobile number.
• When you register for Smart Money, there are two account numbers you need to remember – your Smart Money account number and your?16-digit Smart Money Mastercard number. The 16-digit Smart Money Mastercard number will be used for making transactions.

By using Smart Money, giving away long account numbers can be quite confusing and difficult in making transactions. With GCASH, you only need to give your mobile number as your account number. It is not only easier to remember but the receipient can also be rest assured of the person they are transacting with.

Deposit/Cash In

• To deposit money in your GCASH wallet, you need to go to a Globe Business Center or any accredited GCASH partner and request to do a cash-in transaction. You need to present a valid ID.
• To deposit money in your Smart Money account, you need to go Over The Counter (OTC) at any Smart Wireless Center, BDO branch or any Smart Money accredited outlet.

Sending Money

• Sending money from your GCASH wallet to another GCASH wallet costs Php 2.50/transaction to be deducted from your predpaid/postpaid account. A confirmation message will be sent to both the sender and the receiver after a successful transaction.
• Sending money from your Smart Money account to another Smart Money account?costs Php 2.50/transaction to be deducted from your predpaid/postpaid account.?A confirmation message will be sent to both the sender and the receiver after a successful transaction.

ATM Card/Debit Card

• GCASH ATM card can only be used for withdrawing money from GCASH account. Applying for a GCASH ATM card costs Php 100.00
• Smart Money Mastercard is a debit card. Aside from withdrawing money, it can also be used to purchase at any store that accepts Mastercard, even online. Applying for a Smart Money Mastercard costs Php 120.00.

Smart Money Mastercard is more flexible?than GCASH ATM. Smart Money Mastercard can be used for both purchasing and withdrawal. While GCASH ATM can only be used for withdrawal of funds.

Withdrawal/Cash Out

• To withdraw funds from GCASH account, visit your nearest Globe Business center or any accredited GCASH partner, request a cash-out transaction and present a valid ID. Some Globe Business Center may charge a fee. You can also use your GCASH ATM card to withdraw from any ATM nationwide. ATM withdrawal fee is Php 20.00.
• To withdraw funds from Smart Money, you can visit your nearest Smart Wireless center or use your Smart Money Mastercard to withdraw at any BDO ATMs nationwide. ATM withdrawal fee is Php 3.00.

With Smart Money Mastercard, you can withdraw funds from your Smart Money account for only Php 3.00 per withdrawal at any BDO ATMS nationwide. Smart obviously wins here.

Security

• GCASH has no security feature.
• Smart Money Mastercard has a lock feature that prevents your account from making online purchases when it is locked. So unlock your account only when you need to shop online. It auto-locks after 10 minutes.?Unlocking fee is Php 2.50/unlock and will be deducted from your prepaid load/postpaid account

GCASH’s easy sign-up process has attracted a lot of users and?now they have more subscribers than Smart Money. GCASH users has has no problem adopting to the SMS-based sending of money. But a lot don’t yet realize the advantage of using Smart Money. Smart Money’s long registration process can be quite confusing at first. But after registration, the rest of the transactions are hassle free. Starting from the simplicity of Smart Menu, the flexibility of?Smart Money Mastercards, and the low cost withdrawal thru BDO ATMS, Smart offers more that GCASH.

SMART MONEY is a re-loadable payment card that may either be accessed through a Smart mobile phone or a Smart Money MasterCard, similar to a debit/cash card. Smart Money enables Smart subscribers to manage their money from their mobile phones wherever they are, whenever they want.

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]

A. 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 a confirmation message containing your 16-digit Smart Money Account Number.
   

   04Nov 1305:Your SMARTMoneyAcct# is 1234123412341234.Ref311250069959

B. Apply for a Smart Money Mastercard.?Click here on how to apply.
B. Apply for a Smart Money MasterCard.

1. Fill up?Smart Money MasterCard Application Form.
2. Wait a call from a Smart representative for validation of your application. You will be asked to choose your preferred Smart Wireless Center for card pick up.
3. After 7 days, you will receive a text message from Smart informing you that your Smart Money MasterCard is ready for pick up at your preferred Smart Wireless Center.
   

   1/2 FREE ALERT: You may pick up your SMART Money Card 3 days from today (or 5 days for provincial areas) at your preferred wireless center.

   2/2 Please bring a valid picture ID. Kindly make sure you get it within 60 days from receipt of this message. Thank you.

C. Activate your Smart Money MasterCard.

1. Call 845-777 (using your landline) or 15177 (using your Smart cellphone) to activate your Smart Money MasterCard.
2. A Smart representative will activate your card. The phone call will take 3-5 minutes. After the call, wait for 15 minutes before proceeding to the next step.

D. You can now?link your Smart Money MasterCard to your mobile phone.
D. Link your Smart Money MasterCard to your mobile phone.?Only a maximum of two (2) Smart Money MasterCards/Accounts may be linked. I did not follow the instructions sent on mail because the ATM PIN is always invalid. So here’s what I did:

1. Go to SMART Menu and select SMART Money
2. Choose Activate Card
3. Enter Card No (16-digit)
4. Enter your preferred Card Name
5. Enter W-PIN
6. Wait for the confirmation message
   

   14Nov 1115:Your SMARTMoneyAcct# is 5299671234567890.Ref320275043429

E. Add funds to your Smart Money MasterCard.?Go to your nearest Smart Wireless Center or Smart Money Accredited Outlet to add funds or reload your Smart Money MasterCard.

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.