Smart Money – How to use Smart Money

Posted on by Caroline Siñel in Mobile Banking



Smart Money logoSMART 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.