Questions about Smart Money? All the answers you need are right here!
What is Smart Money?
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.
What are Smart Money’s features?
Smart Money enables the following:
a. Transferring money to another Smart Money Account.
b. Purchase transactions at MasterCard establishments or any Smart Money accredited merchants.
c. Reload a Buddy or Talk and Text account using your mobile phone.
d. Bills Payment - Smart Gold, Smart Bro, Maynilad, PLDT, Sky Cable, ZpDee.
e. Free text notification for every transaction.
f. Transfer of money from your bank account to a Smart Money account via mobile banking.
g. ATM withdrawal at BDO, BancNet, ExpressNet, Megalink and Cirrus ATMs.
What other benefits do I enjoy through Smart Money?
a. Discount and privileges at merchant partner establishments
b. Seasonal promotions
c. Loyalty points for cards enrolled in the Smart Money Loyalty program.
How do I download a Smart Money Account?
Option 1:
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.
Option 2:
1) Go to the SMART MENU and select SMART MONEY
2) Choose any transaction.
3) Follow steps 2 to 6 above.
How do I get a Smart Money Card?
Step 1: Activate your Smart Money account via your Smart mobile phone (refer to item no. 4)
Step 2: Once you have successfully activated your “Smart Money Account”, go to any SMART Wireless Center and submit the following:
a. A completely filled out SMART Money Application Form
b. A photocopy of your Valid ID*
c. Php 30 processing fee
For your convenience, you may apply for a Smart Money card online by visiting http://www.smart.com.ph/money
*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.
What are the qualifications for getting Smart Money Card?
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#5.
Is there an annual fee for Smart Money?
No. Smart Money Card is FREE.
The accountholder 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.
Can I have several Smart Money cards linked to my phone?
Only a maximum of two (2) Smart Money MasterCards/Accounts may be linked to your Smart mobile phone.
How do I reload or deposit money in my Smart Money wallet?
You have four options on how to reload your Smart Money Account:
a. Over the Counter (OTC) via Smart Wireless Center, Banco De Oro (BDO)* branches nationwide, Smart Money Accredited Outlets
b. Wallet-to-wallet transfer - money transfer from other Smart Money Accounts
c. Mobile Banking Service (MBS) – from your bank account enrolled under your bank's mobile banking program to your Smart Money Account
d. Smart Money Partners online:
i. PLDTOnline.com
What is MBS or mobile banking?
MBS stands for Mobile Banking Service. This is a service that allows you to access and manage your bank account/s from your mobile phone. Mobile banking allows you to perform balance inquiries and transfer money to a Smart Money account.
HOW TO APPLY FOR SMART’S MOBILE BANKING SERVICE?
To apply, go to you bank branch and fill out a Mobile Banking application form. Following your bank Mobile Banking procedure, you will receive an M-PIN via SMS from your bank. Upon receipt of your M-PIN, you can already activate your Mobile Banking menu. Just follow these simple steps:
A. For DIRECT CONNECT BANKS
Step 1: Go to Smart Menu and select Mobile Banking
Step 2: Select Activate Bank and press OK
Step 3: Select m-PIN to activate your bank, press OK
Step 4: Enter bank code (enter assigned code)
Step 5: A prompt message will ask you if you will Enroll the bank code you have entered, press OK
Step 6: Enter m-PIN provided by the bank, press OK
Step 7: You will receive an SMS confirming your registration
Step 8: To check if your menu has been updated, you may go to Smart Menu, Mobile Banking menu, and then the name of the bank you have activated will appear in the menu.
DIRECT CONNECT BANKS
Metrobank |
MBTC |
East West Bank |
EWBC |
Union Bank (formerly ibank) |
UBP |
Banco de Oro
(Go to https: http://www.mybdo.com.ph/) |
BDO |
B. FOR NETWORK BANKS (BANCNET AND MEGALINK BANKS)
For banks outside the list of direct connect banks and are member of either BancNet or MegaLink networks, you can activate your SMART Mobile Banking Service through these steps:
Step 1: Go to SMART MENU and select MOBILE BANKING
Step 2: Select Activate Bank and press OK
Step 3: Select ATM-PIN to activate your bank and then press OK
Step 4: Enter the bank code (refer to list of bank codes connected via BancNet)
Step 5: Enter your ATM card number and press OK
Step 6: Confirm activation by pressing OK
Step 7: Enter your ATM-PIN. (This is the personal ATM PIN defined when the card was acquired.) Press OK
Step 8: A text message will be received confirming the activation.
Step 9: The name of the bank will be displayed in Mobile Banking sub menu for easy access.
Step 10: Call the specific branch of the bank where the account was opened to inform that Mobile Banking was activated. This will start processing of service request.
Step 11: Mobile Banking should be activated within one day.
BANCNET MEMBER BANKS
Allied Bank |
ALL |
Citystate Bank |
CSB |
Asia United Bank |
AUB |
Security Bank |
SBC |
Chinatrust Bank |
CCB |
Rizal Commercial Banking Corporation |
RCB |
MEGALINK MEMBER BANKS
Development Bank of the Philippines |
DBP |
Bank of Commerce |
BOC |
Asiatrust Bank |
ATB |
Maybank |
MPI |
Premiere Bank |
PDB |
Robinsons Bank |
RBN |
GE Money Bank |
GEM |
LIST OF BANK CODES FOR SMART MOBILE BANKING
Direct Connect Banks
Banco de Oro |
BDO |
East West Bank |
EWBC |
Metrobank |
MBTC |
Security Bank |
SBC |
Union Bank |
UBP |
Megalink Banks
Asiatrust Bank |
ATB |
Bank of Commerce |
BOC |
Development Bank of the Philippines |
DBP |
iBank |
IEB |
Insular Savings Bank |
ISB |
Keppel Bank |
KBP |
Maybank Phil Inc. |
MPI |
Premiere Development Bank |
PDP |
Prudential Bank |
PRB |
BancNet Banks
Security Bank |
SBC |
Allied Bank |
ALL |
CityState Bank |
CSB |
Chinatrust Bank |
CCB |
Asia United Bank |
AUB |
OTHERS
Robinsons Savings Bank |
RBN |
Banco Filipino |
BFI |
Banco San Juan |
BSJ |
China Bank |
CBC |
Centennial Savings Bank |
CBI |
Manila Bank |
MBC |
Merchants Bank |
MCB |
Malayan Bank |
MSB |
PBCom |
PBC |
Phil Postal Bank |
PPB |
PS Bank |
PSB |
Philtrust Bank |
PTC |
Real Bank |
RBC |
RCBC |
RCB |
RCBC Savings |
RSB |
Standard Chartered Bank |
SCB |
World Partners Bank |
WPB |
How can I transfer money from my Smart Money wallet to another Smart Money wallet?
a. Go to your SMART MENU select SMART Money.
b. Select Transfer, press OK.
c. Choose Others, then press OK.
d. Enter the account number of the recipient, then press OK.
e. Once ‘Transfer from’ is shown on screen, press OK.
f. Select from your list of card names, then press OK.
g. Key in the amount to be transferred, then press OK.
(Maximum transfer amount : Php10,000)
h. You will receive a confirmation request of your transaction, press OK.
i. Enter your PIN, press OK.
j. You will receive a text message of the amount transferred and your new account balance.
How much does a wallet to wallet transfer cost?
You will be charged Php 2.50 per transaction and will be deducted from your prepaid airtime balance or charged to your postpaid bill.
How can I get the cash that is stored in my Smart Money account?
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 Smart accredited Encashment Center.
b. ATM Withdrawal at any BDO, Expressnet, Bancnet and MegaLink ATMs nationwide or Cirrus ATMs overseas.
How much will I be charged for ATM withdrawals?
You will be the following ATM withdrawal fee:
BDO ATMs - FREE
Other banks - Php 11.00 per transaction
Overseas ATM (Cirrus) = Php 150.00 per transaction
What is the daily maximum withdrawable amount using my Smart Money?
The maximum withdrawable amount per day is Php 20,000.
What is the allowable maximum money transfer amount per day?
The maximum amount of money you may transfer per day is Php 10,000.
How can I be sure that Smart Money is secure?
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.
Can I use my Smart Money card in all MasterCard establishments?
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!
Can I buy Smart airtime load for myself as well as for my family and friends through Smart Money?
Yes. You can buy and send Smart and Talk 'N Text prepaid load for yourself, your friends and your family using your Smart Money account. You have the option of buying P50, P100, P300, P500, and P1000 load denominations. Just go to the Smart Menu and choose the ‘Reload Buddy’ option.
Who can I call if there’s any additional questions or clarifications?
Please call our dedicated Smart Money Hotline (632) 845-7777 (for landline); *7777 or 15177 (for Smart cell phones - toll free).
What Is Online Payment Via Smart Money Mastercard?
This new service 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.
I Already Have A Smart Money Card But My Account Number Begins With 5577-51. Can This Be Used For Online Purchases?
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.
Where Is My Account Number Located On My Smart Money Card?
Your account number can be found in the front part of your Smart Money card. This usually begins with 5299-67 or 5577-51.
I Don’t Have A Smart Money Card But Instead I Have A Virtual Account. Can I Use This To Make An Online Purchase?
No. Only a carded Smart Money MasterCard account can make an online purchase. Please make sure that your account is linked to your mobile phone to enable the unlocking of your Smart Money MasterCard account.
Can I Apply For A Smart Money Mastercard Even If I Already Have A Smart Money Mastercard Electronic?
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.
What Is The Difference Between Making An Online Purchase With My Smart Money Vs. A Credit Card Or Other Debit Cards?
When making an online purchase with Smart Money, you are assured that your account is protected and secure because:
1. You can set the limit of your account and your online spend up to the exact amount of your purchase.
2. Your Smart Money account comes with a security feature which allows you to lock and unlock your account specifically for internet transactions.
3. 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.
How Do I Make An Online Purchase With My Smart Money Mastercard?
Once you have filled up the necessary payment details in the merchant site, prior to making that payment transaction or clicking the ‘finish button’, you must ‘Unlock’ your account. Please ensure your Smart Money account is linked to your Smart mobile phone to enable access to the unlocking feature of your account. To make a purchase and unlock your account, follow these simple steps:
1. Complete the payment details required by the online merchant
2. Go to Smart menu and select Smart Money
3. Click on INTERNET
4. Click ‘Unlock Account’, press OK
5. Choose account, press OK
6. Enter W-PIN, press OK
7. A confirmation message will be sent to your mobile phone that your account is unlocked and ready for online purchase.
8. Click the finish button on the merchant site to complete the payment.
9. You will receive an SMS notification of your successful transaction.
10. Lock your account immediately after your purchase.
How Do I Link My Smart Money Card To My Smart Mobile Phone?
To link your Smart Money to your mobile phone, follow these simple steps:
Option 1: (via text)
1. Text MONEY 16-digit card # to 343
2. Enter desired W-PIN (6-digits), press OK.
3. Re-enter W-PIN, press OK.
4. Enter your preferred Card Name, press OK
5. Enter your Card-PIN (ATM-PIN), press OK. Card-PIN/ATM-PIN can be the same as your W-PIN. 6. Wait for the text message confirming the transaction.
Option 2: (via menu)
1. Go to the SMART MENU and select SMART MONEY
2. Choose any transaction.
3. Enter desired W-PIN (6-digits).
4. Re-enter W-PIN, press OK.
5. Choose “Link a Card”, press OK
6. Enter 16-digit card #, press OK
7. Follow steps 4 to 6 above.
I Can’t Find The Internet Display In My Smart Money Menu. How Can I Access This?
To access the INTERNET display in your menu, please ensure that your Smart Money is linked to your mobile phone. In case the internet display is missing from your Smart Money menu, type “INTERNET’ on your mobile phone and send this to 343. This service is FREE.
Is It Safe To Purchase / Transact Online With Smart Money Mastercard?
Yes. Your Smart Money account is locked for internet transactions by default for your protection. Only you have the authority to unlock your account via your WPIN. Once you have unlocked your account successfully, this validates that you have indeed authorized an online transaction.
Why Is There A Need To Unlock Your Smart Money Account Everytime You Make An Online Purchase?
For your protection, your Smart Money account is locked by default. We encourage you to unlock your account prior to making your purchase. With the unlocking of your account, you are requested to enter your WPIN and this will validate that you have indeed authorized an online transaction.
How Much Will I Be Charged For Unlocking My Smart Money Account?
A minimal fee of P2.50 will be charged from your airtime for every unlocking transaction made. Locking your Smart Money account will not be charged a fee.
Is There A Limit To The Number Of Unlocking And Purchase Transactions That Can Be Made With My Smart Money Mastercard?
No. There is no limit to the number of unlocking and purchase transactions that can be made online when using your Smart Money MasterCard. However, only a maximum purchase of PHP 50,000 per card is allowed.
How Will I Know If My Online Purchase Transaction Was Successful?
You will receive an SMS notification confirming your successful transaction. You will be notified of the amount purchased, merchant name, and the remaining balance of your Smart Money MasterCard.
What Do I Do If I Have A Query Or Complaint?
For queries or complaints concerning your Smart Money MasterCard, please call the Smart Money hotline at 15177 from your mobile phone for FREE or 845-7777 via landline.
What Should I Do In Case The Online Merchant I Purchased From Failed To Deliver The Goods And / Or Services That I Ordered?
Smart Money is a payment tool that enables you to make purchases via the internet. Regrettably, we do not have any control over, and are not responsible or accountable for, the products or services that are paid for with Smart Money via the internet. We 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 with reputable online merchants.
