The Best Of Airtel Smartcash PSB — A brief Guide!

Smartcash PSB wallet

Smartcash PSB (Payment Service Bank) LTD is an Airtel Africa PLC subsidiary. It was established in 2022 following the Central Bank of Nigeria’s approval to realize its financial inclusion goal for all Nigerians, particularly the unbanked and underbanked.

Website with Centered Ads Container
Continue reading below

SmartCash PSB wallet supports Person-to-Person payment service (P2P), which allows individuals to send and receive money from anyone in the world via their mobile phones or at the nearest merchant shop outlet.

SmartCash PSB’s main goal is to increase financial inclusion by utilizing large volume, low value transactions in a secure, technologically advanced environment. It strives to provide a quick, safe, and simple-to-use payment solution for businesses. Among the features of SmartCash PSB are the following:

  • Bill payment
  • cash withdrawal
  • P2P transfer and also
  • All VTU services

Everything smartcash is accessible from *939#

Read these articles..

Glo launches MoneyMaster PSB

MTN MoMo: The All In One Banking Solutions

Website with Centered Ads Container
Continue reading below

9PSB, See Reasons Why You Should Bank On It!

10 VTU websites to earn some cash back

How to open Smartcash PSB wallet

Dial *939# to open smartcash PSB account
  • Dial *939*0#
  • Create wallet using your NIN, BVN, or sim card data.
  • Create a four (4) digit pin to be used for all smartcash transactions.
  • Set a security question. If it happens you forget your transaction pin, your security question will be used to reset it.

Another way to open a smartcash PSB wallet is to walk into any smartcash outlet closest to you. The agent there will create and fund your account.

Upon activation, you will be notified that your wallet has been created successfully with your account status. i.e wallet capacity and account limitations will be sent to you! If you do not want any limitation on your account, use BVN to open the Smartcash PSB wallet.

Smartcash PSB Bonus

Recently smartcash announced that its platform offers free transfers to all local banks in nigeria. However, before now, smartcash customers were enjoying smooth P2P transactions at a low charge of N10, though the charge fee was determined by the amount involved in the transaction.

When you recharge your Airtel line using your smartcash account, you will also receive a 100% airtime bonus.

Your 100% bonus is guaranteed regardless of your Airtel tariff plan. Smartcash airtime bonus is valid for 3 days.

Additionally, smartcash reward customer with an extra 20% data bonus when you purchase a data bundle, free 5GB Data when you fund your account, free 100 minutes of call time, and free 20K cash back bonus currently. The platform also reward customers with special data purchases like N200 for 1GB and N300 for 2GB, which are all valid for 2 days. You can also buy talk more bundles from smartcash if you want to!

Please keep in mind that Smartcash reserves the right to discontinue any of their services at any time. As a result, if you do not receive the airtime bonus after recharging, it is possible that the service has been discontinued. However, the bonus reward is still available currently!

Dial *310*1# to check your smartcash PSB reward. This offer is available to Airtel customers only. To check your data bonus, dial *323#.

See also: Smartcash PSB Now Receives Funds Abroad

Airtel Smartcash Refer and Earn Program

Smartcash PSB also promotes the refer-and-earn program. If the terms and conditions are followed, the “refer and earn” service will pay the referee N100 for each referral brought into the system.

follow the guide below…

  • Dial *939#
  • Reply with “0” from the menu (Activate Customer)
  • Enter customer phone number
  • Enter customer First Name
  • Enter customer last name
  • Enter customer date of birth in the format (DDMMYYYY e.g 22082000)
  • Select gender
  • Enter customer’s mother’s maiden name

Hooray! The wallet was created successfully for the customer. The customer will be notified to set a pin and security question to complete the wallet activation. Please be aware that the customer must fund his or her account and perform at least one transaction for you to be eligible to earn your N100 commission.

At this juncture, fund the newly created wallet with a minimum of N200 and encourage the customer to recharge his or her line with a minimum of N100 to enable you receive your reward.

The Smartcash PSB wallet can only be created with an Airtel sim card. It does not currently work with any other Network type. Money earned through the referrals program is summed up and credited to the referee’s account within 24 hours of any user’s successful registration.

Please note that you can’t refer a customer that is already registered on smartcash…

You will earn more money if you are an Airtel smartcash PSB agent.

How to Become a Smartcash PSB Agent

Looking for a way to earn some cash back on all of your transactions? Begin by becoming a smartcash agent.

Requirements for enrollment.

  • Shop (A kiosks or a rented shop)
  • BVN Number
  • NIN
  • Airtel phone number
  • Utility bill (Electricity bill or water bill).

If you meet the above requirements, simply go to and fill out the form on the website before submitting it.

Following submission, smartcash will access and send representatives to meet with you for further investigation and assessment.


Smartcash is one of the best payment service banks in Nigeria, offering a priotised secure transfer environment. To begin, dial *939*0# from your Airtel line. If you require assistance with smartcash services or are dissatisfied with the information provided on this website about smartcash PSB, please contact their customer service at 09125939939.

It’s time to make some money!


Have a question? Join our WhatsApp community and engage with us. Click the 'Join Us Now' button below to connect and discuss your queries with our team.

Website with Centered Ads Container
Continue reading below
Share this Post