FREQUENTLY ASKED QUESTIONS (FAQs)
1. What is SMART Money?
2. What are SMART Money's features and benefits?
3. How to Activate your SMART Money?
4. How do I get a SMART Money Card?
5. What are the qualifications for getting SMART Money Card?
6. Is there an annual fee for SMART Money?
7. Can I have several SMART Money cards linked to my phone?
8. How can I be sure that SMART Money is secure?
9. What happens to my SMART Money account if my mobile phone is lost or stolen?
10. What happens if I have wrong PIN input or have forgotten my PIN?
11. Where can I reload money for my SMART Money account?
12. How can I transfer money from my SMART Money account to another SMART Money account?
13. Can I use my SMART Money card in all MasterCard establishments?
14. How much does a money transfer transaction cost?
15. Can I buy prepaid airtime load for myself as well as for my family and friends through SMART Money?
16. How can I get the cash that is stored in my SMART Money account?
17. How much will I be charged for ATM withdrawals? (as of July 1, 2009)
18. What is the daily maximum withdrawable amount using my SMART Money?
19. What is the allowable maximum money transfer amount?
20. Where is my account number located on my SMART Money Card?
21. What is online payment via SMART Money MasterCard?
22. Can I use my SMART Money card that starts with 5577-51 for Online Purchases?
23. How do I link my SMART Money Card to my SMART mobile phone?
24. Can I apply for a SMART Money MasterCard even if I already have a SMART Money MasterCard Electronic?
25. What is the difference between making an online purchase using SMART Money Card vs. credit card or other debit cards?
26. Why do I need to unlock my SMART Money Account every time I purchase online?
27. I can’t find the ‘Internet Txn’ option in my SMART Money Menu. How do I proceed with my online purchase?
28. What is the CVC?
29. How can I be sure that it is safe to purchase / transact online?
30. How much will I be charged for Unlock/Lock transaction of my SMART Money Account?
31. How many times can I unlock my account in a day?
32. How will I know if I have a successful online purchase transaction?
33. Who will be accountable in case the online merchant failed to deliver the goods and/or services that I ordered/purchased?
34. Who can I call for additional questions or clarifications?
SMART Money is a re-loadable payment card that may either be accessed through a SMART mobile phone or a MasterCard powered card, 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 provides all the features and benefits you need to shop, pay bills, pay for load and more, only from SMART Money.
USER-FRIENDLY
With SMART Money, there are no keywords to remember. Through the SMART Money Menu found in your SIM, you will be easily guided on how to make purchases and money transfer transactions.
AFFORDABLE, FASTER, SAFER, AND CONVENIENT MEANS OF TRANSFERRING MONEY
Transfer funds from your SMART Money account to another SMART Money account through the convenient means of your SMART Money Menu found in your SIM. Money is sent in the speed of a text, for only P2.50 per transaction. Your recipient will be notified of the transaction and will be able to get his cash through the convenient means of an ATM, via SMART Wireless Centers, and SMART Money Centers.
• To find a SMART Wireless Center near you, Text SWCTR to 386, or click here.
• To find a SMART Money Center near you, Text SMCTR to 386, or click here.
SHOPPING CONVENIENCE
Use your SMART Money Card at over 25 million MasterCard retail establishments worldwide and 2.2 million online retail stores, or any SMART Money accredited merchant. Shopping with SMART Money gives you the total shopping experience whether here or abroad.
PREPAID AIRTIME RELOADING AT YOUR CONVENIENCE
Be able to Reload any SMART Buddy, Talk 'N' Text, and Smart Bro prepaid account using your SMART Money, anytime, anywhere!
NO LINING UP TO PAY YOUR UTILITY BILLS
Be able to conveniently pay your postpaid subscription of SMART Gold and SMART Bro your monthly bills from Maynilad, PLDT and Sky Cable/Zipdee using your SMART Money.
INSTANT MONEY MANAGEMENT
No need to call Customer Service to check your cash balance. You can do all that through your Smart mobile phone. You will also receive notification messages whenever successful transactions are made for your tracking.
SECURITY OF A CASH ACCOUNT
Rest assured that losing your SMART Money card does not mean losing the cash value in the card. Your funds are safely stored in Banco de Oro, and not in your mobile phone. Also, your SMART Money is PIN enabled such that you will be prompted for your PIN for any debit transaction.
EASY ACCESS TO CASH
Need to get access to your cash immediately? You can withdraw your money at any BDO, BancNet, ExpressNet, Megalink, and when abroad, Cirrus ATMs. You can also encash your money at SMART Wireless Centers or SMART Money Centers located nationwide.
Option 1: Key-word Based
i. Type in MONEY and Send it to 343
ii. Subscriber will receive a prompt to enter desired W-PIN.
iii. Re-enter W-PIN and Press OK.
iv. Choose ‘Get Account’ press OK
v. Subscriber will receive a confirmation message with his SMART Money Account.
vi. Subscriber will receive a confirmation message that W-PIN has been set and Menu will be
updated.
Option 2: Menu Based
i. Go to SMART MENU and select SMART Money
ii. Choose any transaction.
iii. Subscriber will receive a prompt to enter desired W-PIN.
iv. Re-enter W-PIN and Press OK.
v. Choose ‘Get Account’ press OK
vi. Subscriber will receive a confirmation message with his SMART Money Account.
vii. Subscriber will receive a confirmation message that W-PIN has been set and Menu will be
updated.
Step 1: Activate your SMART Money account via your SMART mobile phone (refer to FAQ no. 3)
Step 2: Once you have successfully activated your “SMART Money Account”, go to any SMART Wireless Center and submit the following:
1. A completely filled out SMART Money Application Form
2. A photocopy of your Valid ID*
3. P120 processing fee for a Personalized Card or P100 for an Instant Card
For your convenience, you may apply for a SMART Money card online by visiting https://secure.smart.com.ph/money/apply.aspx
*Present a photocopy of any valid ID:
- For Minors: Photo bearing School ID signed by the Principal or School Head
- Passport
- Driver’s License
- Professional Regulation Commission (PRC) ID
- NBI Clearance
- Police Clearance
- Postal ID
- Voter’s ID
- Barangay Certification
- Government Service Insurance System (GSIS) e-Card
- SSS Card
- Senior Citizen Card
- OWWA ID
- OFW ID
- Seaman’s Book
- Alien Certification of Registration / Immigrant Certificate of Registration
- Government Office and GOCC ID
- Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
- DSWD Certification
- Integrated BAR of the Philippines ID
- Company IDs issued by private entities or institutions registered with or supervised or regulated either by the BSP, SEC or IC.
Step 3: Your SMART Money card will be delivered to your specified address after three (3) days within Metro Manila, seven (7) if provincial. For applications received online, a SMART representative will call the applicant for verification and ask his/her preferred wireless center location for card pick up.
Qualifications to become a SMART Money Cardholder:
- Must be a SMART Subscriber
- Age: 12 years– above
- Citizenship – Filipino & Non-Filipino
- Residency – Must be a resident of the Philippines
- Must submit all required documents:
1. SMART Money Application Form
2. One valid ID*
*any valid unexpired picture identification in FAQ no. 4.
No. SMART Money is FREE. The account holder has the prerogative to enroll his/her card under our LOYALTY program for additional perks/privileges. An annual fee of P200 will be charged to the account holder.
Only a maximum of two (2) SMART Money MasterCards/Accounts may be linked to your SMART mobile phone.
SMART Money is SAFER and a MORE SECURE payment tool and way of transferring money. Your money is stored in the banking system of BDO and all transactions are PIN protected. You don’t lose all your cash even if you lose your phone or your SMART Money card! All you have to do is call our hotline to report your phone/card loss and we will help you protect your money and issue a new SMART Money card.
Please be assured that your SMART Money account is safe as long as your SMART Money Card is with you because the value you loaded on your account is stored in the banking system of BDO. Your account linked to your mobile phone has a WPIN feature, which is your 6-digit code known only to you to be able to access your account. In case you lost your SMART Money Card, immediately call the SMART Money Hotline at 15177 via your SMART mobile phone, or 845-777 via landline.
In case you forgot your ATM and/or WPIN (for mobile phone transactions), the subscriber can contact the SMART Money Hotline at 15177 from a SMART mobile phone, or 845-777 via landline, or visit the nearest SMART Wireless Center. The Customer Support Officers will Reset the ATM and/or WPIN within 24 hours and an SMS notification will be sent to the subscriber. There is no cost to reset the PIN.
You have four options on where to reload your SMART Money Account:
a) Over the Counter (OTC) - Go to any SMART Wireless Center, Banco De Oro (BDO)* branches nationwide, or to any SMART Money Accredited Outlets.
• To find a SMART Wireless Center near you, Text SWCTR to 386, or click here.
• To find a SMART Money Center near you, Text SMCTR to 386, or click here.
b) Wallet-to-wallet transfer - money transfer from other SMART Money Accounts, remittance from abroad or domestic.
c) Mobile Banking Service (MBS) - Transfer funds using SMART Mobile Banking Service. From select partner banks, you can transfer funds from your bank account straight to your SMART Money Account by just using your mobile phone.
To know how you can enroll to SMART Mobile Banking service, please click here. You can also visit your branch of bank or call 15177 / 845-7777.
d) SMART Money Partners online: http://www.pldtonline.com/.
Don't have Adobe Reader?
a) Go to your SMART MENU select SMART Money.
b) Select Transfer, press OK.
c) Choose Others, then press OK.
d) Enter the 16-digit account number of the recipient, and press OK.
e) Once ‘Transfer from’ is shown on screen, press OK.
f) Select from your list of SMART Money Card Names, then press OK.
g) Enter the Amount to be transferred, and then press OK. (Maximum transfer amount : P10,000)
h) You will receive a confirmation request of your transaction, press OK.
i) Enter your W-PIN, press OK.
j) You will receive a text message of the amount transferred and your new account balance.
Yes, SMART Money card is legally accredited by MasterCard Electronic and MasterCard Worldwide. You can use your card here in the Philippines and abroad. Your SMART Money card is accepted in approximately 25 million establishments worldwide!
You will be charged P2.50 per transaction and will be deducted from your prepaid airtime balance or charged to your postpaid bill.
Yes. Using your SMART Money account from your mobile phone, you can buy and send SMART or Talk 'N' Text prepaid load for yourself, your friends, and your family. You have the option of buying All-Text 20, P15, P30, P50, P100, P200, P300, P500, and P1000 load denominations. Just go to the SMART Menu and choose the ‘Reload Buddy’ option.
You have two options in accessing the cash residing in your SMART Money account:
a) Over-the-counter (OTC) encashment via any SMART Wireless Center or any accredited SMART Money Center.
b) ATM Withdrawal at any BDO, Expressnet, Bancnet, and MegaLink ATMs nationwide or, when abroad, Cirrus ATMs.
- Balance Inquiry over the ATM - P2.50
- BDO ATMs - P3.00
- Other banks - P12.00 per transaction
- Overseas ATM (Cirrus) = P200.00 per transaction
The maximum withdrawable amount per day is P20,000.
The maximum amount of money you may transfer per transaction is P10,000.
Your card number can be found in front of your SMART Money card. This usually begins with 5299-67 or 5577-51.
This new feature of SMART Money enables a SMART Money MasterCard cardholder (whose account number begins with 5299-67) to purchase goods and / or services from online merchants accepting MasterCard. Click here to know more on how to make an online purchase with SMART Money MasterCard.
No. As of the moment, only SMART Money MasterCard (with account number beginning with 5299-67) can be used for purchases online. SMART Money MasterCard Electronic (with account number beginning with 5577-51) cannot be used for online purchases.
Option 1: Keyword based via text
a. Text MONEY 16-digit card # to 343
b. Enter desired W-PIN (6-digits), press OK.
c. Re-enter W-PIN, press OK.
d. Enter your preferred Card Name, press OK
e. Enter your Card-PIN (ATM-PIN), press OK. Card-PIN/ATM-PIN can be the same as your W-PIN.
f. Wait for the text message confirming the transaction.
Option 2: via menu
a. Go to the SMART MENU and select SMART Money
b. Choose any transaction.
c. Enter desired W-PIN (6-digits).
d. Re-enter W-PIN, press OK.
e. Choose “Link a Card”, press OK
f. Enter 16-digit card #, press OK
g. Follow steps d to f above.
Yes. You can apply for a SMART Money MasterCard even if you already have a SMART Money MasterCard Electronic. To get your SMART Money MasterCard, please visit the nearest SMART Wireless Center.
When making an online purchase with SMART Money, you are assured that your account is protected and secure because:
- You can set the amount of money you place in your account equivalent to the exact amount of your online purchase.
- Your SMART Money account comes with a security feature which allows you to lock and unlock your account specifically for internet transactions. You will be prompted for your WPIN to unlock your account.
- You will receive an SMS notification for every transaction that you make with your account. All of the above features are not available via your regular credit or debit cards.
For your protection, your SMART Money account is locked for internet transactions by default. We encourage you to unlock your account using your mobile phone before you finalize any online purchase. Unlocking of your account will require you to enter your W-PIN, which will validate that you have indeed authorized an online transaction.
To get the ‘Internet Txn’ option in your SMART Money Menu, please ensure that your SMART Money Card is linked to your mobile phone. If the ‘Internet Txn’ option in your SMART Menu is still not available, just text ‘INTERNET’ and send to 343 for free.
Card Validation Code is a three digit numeric code found at the back of your SMART Money Card near the space for your signature. This is one of the many ways to validate whether you are truly in possession of
your SMART Money Card.
For your protection, your SMART Money account is locked for internet transactions by default. You are the only authorized person who can unlock/lock your SMART Money account since this transaction will require you to enter your WPIN. Once you have unlocked your account, you will be able to make an online transaction.
P2.50 will be charged from your airtime for every Unlock transaction while Lock transaction will not be charged a fee.
There is no limit to the number times you can unlock your account. However, when you purchase online, only a maximum amount of P50,000 per day is allowed.
You will receive an SMS notification confirming your successful transaction. You will be notified of the amount purchased, merchant name, and your new SMART Money account balance.
SMART Money is a payment channel that enables you to make purchases via the internet. SMART has no control over, and is not responsible or accountable for, the products or services that are paid for using SMART Money via the internet or online merchants.
SMART cannot ensure that a buyer or a seller you are dealing with will actually complete the transaction. For your protection, we encourage you to only deal or transact with reputable online merchants. Please also note that online merchants may have varying payment processes.
Please call our SMART Money Hotline (632) 845-7777 (for landline); *7777 or 15177 (for SMART cell phones - toll free).
