Smart Cash USSD Code for Airtime, Transfer, & Mobile Banking

Ever run out of airtime at the most inconvenient moment? Need to dash some money to a friend but don’t have the time to get to the bank? No stress! Smart Cash USSD code is a convenient code that brings mobile banking literally into your pocket. No smartphone or internet connection is required!

The following article will help you open that wonderful world of convenience with this smart cash USSD code. We will break down everything from what USSD stands for.

It’s super easy! Whether you need to purchase airtime, make a money transfer, or even do other mobile banking it can be executed in a few simple taps on your phone.

Be it for the tech-savvy or those who prefer to go old-school, the Smart Cash USSD code is there for your rescue. Let’s get right into action!

What is Smart Cash USSD Code?

Smart Cash USSD code is *939#. This is a code for financial convenience on your mobile phone in Nigeria, powered by Airtel.

It helps you eliminate long bank queues and tedious paperwork with a simple menu system that can be accessed even without a smartphone or an internet connection. 

Imagine carrying a digital wallet in your phone. Just dial *939#, and it will introduce you to a self-service where you can register for SmartCash, send/receive money, recharge your phones, and probably pay bills.

This makes Smart Cash game-changing, especially in areas with poor internet coverage, for perfect management of one’s money on the go.

Read Also – Ecobank USSD Code for Airtime, Transfer, & Mobile Banking

What are the Features of Smart Cash USSD Code?

The Smart Cash USSD code is *939#. All of these features, from just this one menu, make money management at your fingertips possible, with no actual bank account  or even the need for internet access. Of importance are the following functionalities:

1. Money Transfer: The ability to transfer funds to other Smart Cash customers or non-customers for peer-to-peer transactions.

2. Pay Bills: Pay bills with just one click for electricity, water, and TV subscriptions directly with Smart Cash, eliminating trips to payment centers.

3. Buy Airtime: Recharge your phone or purchase airtime for others directly from your Smart Cash account.

4. Cash Withdrawal: Withdraw cash at agents or ATMs accredited by Smart Cash for more access to your money.

5. Transaction History: Track your spending with a record of your previous transactions.

6. Upgrade Account: You can increase account limits and activate features.

These two factors ease life for the user concerning managing one’s finances and undertaking core banking activities without internet access or visiting a bank branch.

The Comprehensive List of Smart Cash USSD Codes

Smart Cash, a Payment Service Bank in Nigeria, offers a wide range of financial services accessible through their USSD code *939# or mobile app. Here’s the list of USSD codes for Smart Cash:

Transactions	USSD Codes
Account Registration and PIN Management	*939#
Account upgrade	*939*0#
Transfer money to other Smart Cash wallets or accounts.	*939*6#
Send money to bank accounts in Nigeria	*939*4#
Send money using a mobile number	*939*8#
PIN Change	*939*0#
Buy airtime for yourself	*939*amount*1#
Buy airtime for others	*939*recipient’s number*amount*2#
Pay bills	*939*7#
Balance Inquiry	*939*2#

Also Read – FCMB USSD Code for Airtime, Transfer, & Mobile Banking

How to Activate Smart Cash USSD Code

You do not have to dial another code to activate Smart Cash; simply dialling *939# opens the Smart Cash USSD menu, and if you have not created a wallet yet, that will take you through creating a Smart Cash wallet. 

Here is a quick breakdown: 

1. Dial *939# on your phone.
2. As a new user, you are to follow the menu items to create your SmartCash wallet, after which you will be asked to set a PIN and answer a security question. 
3. After making your wallet or logging in as an existing user, you can access various financial transactions through the USSD menu.

Account creation successful. A new NUBAN Number displays on your screen. Your account number and phone number are the same. 

Smart Cash USSD Code Usage

SmartCash in Nigeria has provided a mobile banking option via USSD codes, that requires no internet or smartphone app.

The USSD code to access the SmartCash menu is *939#. You can then conduct any of the following transactions: Send and Receive money, Buy airtime, and pay bills, among others.

To use the Smart Cash USSD code first open a wallet for SmartCash with a USSD code, simply dial *939#, then follow the ensuing prompts to create a PIN and answer a security question. This will generate your individual NUBAN account number. 

Remember, the very same code, *939#, is used for all transactions. You will only need to go through the menu by selecting options that suit your intended action.

For added security, always keep your PIN to yourself and never process any transactions over public Wi-Fi. If inconvenienced, one can get customer care support with the USSD code, too.

Read Also – UBA USSD Code for Airtime, Transfer, & Mobile Banking

How to Block Smart Cash USSD Code 

You will usually have to reach out directly to your mobile network provider to block the Smart Cash USSD code. The general strategy will be the following: 

1. Via USSD Code: Some service providers may have unique USSDs for blocking services.

 – You may use the USSD code provided by your service provider to block the service.

Just follow the prompts on your screen to confirm the blocking of the Smart Cash service.

2. Customer Service

 – Call the customer support hotline for your service provider. 

 – Inform them that you want them to block the Smart Cash USSD Service

 – Provide verification details so they can identify you and proceed with blocking.

3. Mobile App: If your service provider has a mobile application, you can be assisted in how to block the USSD service through the settings available on the app.

– Log in to the mobile app

– USSD or service settings

– Select block USSD code

How to Unblock Smart Cash USSD Code

The following is usually the way to unblock your Smart Cash USSD code:

1. Via USSD Code: Most service providers will have a special USSD code to unblock such service.

 -Dial the USSD code

 -Follow the screen instructions to confirm the unblocking of the Smart cash service.

2. Customer Service

 -Call up your service provider’s customer service hotline.

 -Request that the Smart Cash USSD service be unblocked.

 -Verify with the necessary details to identify yourself and complete the request.

3. Mobile App: In case of availability of the service provider’s mobile app, use it to unblock the USSD service.

 – Log in to the mobile app.

 – Go to USSD settings or service settings.

 – Go to the option for USSD unblock.

Also Read – First Bank USSD Code for Transfer, Loans and Other Transactions

How to Upgrade My Smart Cash Account Using USSD Code

Upgrading your wallet would mean access to new features and possibly raising the transaction limits. Here is how to upgrade your wallet using a USSD code:

Before You Get Started

1. Get your Bank Verification Number (BVN) or National Identification Number (NIN) ready.
2. Be familiar with your wallet PIN for safety checks.

Upgrade Process

1. Dial the USSD Code: First, just dial the USSD code *939# using your phone’s dialer, which is provided by your bank.

2. Upgrade Menu: A menu containing various options will be in front of you. Using navigation keys (usually up/down arrows or numbers), select “My Profile” (Option 7, in this case).

3. Upgrade Option: Go to the “My Profile” section, where you should find the option to upgrade your wallet or account. This might differ depending on the bank you’re using; however, in this instance, it is Option 3: “Upgrade Wallet/Account”.

4. Enter PIN: Enter your wallet PIN to update. Provide your correct PIN so that it recognizes you.

5. Select Upgrade Method: Upon verification, you will most likely be given two choices for upgrading; Upgrade Now or Upgrade Later. Select “Upgrade Now”. This is Option 2 in this scenario. 

6. Your BVN or NIN: In this section, the bank can ask for either a BVN or NIN, depending on their request. Carefully input the right number.

7. Security Verification: This will offer you a chance to answer your security question. This is to check if you want an upgrade.

You have by now completed the wallet upgrade processes. If all goes well, you will get an acknowledgment message from your phone that the wallet upgrade has been successful. The message detail and features unlocked would differ depending on your bank. 

Read Also – GTBank USSD Code for Transfer and other Banking Transaction

How to Pay Back Smart Cash Loan With USSD Code

Repaying the Smart Cash Loan in Nigeria using a USSD code is not that complicated. Below is how to carry out this function:

1. Dial the USSD Code: Simply dial *939# from your mobile phone.

2. Navigate the Menu: Upon the dialing of the above USSD code, the subscriber will need to follow the on-screen prompts to navigate through the various options on the menu. They may get options such as “Loans” or “Smart Cash.”

3. Select Repayment Option: Select the loan repayment option.

4. Enter Amount: Enter the amount to be repaid.

5. Confirming the Transaction: Simply follow the prompt to confirm the transaction. You will be asked to enter your PIN or any other verification details to complete the payment.

In case of any difficulties, contact Airtel Customer Care for assistance.

How to Borrow Money from Smart Cash with USSD Code

To borrow from Smart Cash with a USSD code, follow the steps below:

1. Dial the USSD code: Just dial *939# from your Airtel line.

2. Select “Loan” Option: Select the option for “Loan” or “Smart Cash” from the menu displayed.

3. Follow the Prompts: Just follow the on-screen prompts to select the amount you wish to borrow and then confirm the loan request.

4. Get the Loan: Upon eligibility, the loan amount gets credited to your Airtel Money account or your main account balance.

Ensure that you meet all of Airtel’s eligibility criteria, which may include a good payment history if you have borrowed before and maintenance above the minimum threshold for airtime usage while being an active Airtel customer.

Also Read – GTBank USSD Code for Airtime and Data

What are the Advantages of Smart Cash USSD Code?

Here are some of the benefits associated with using the Smart Cash USSD code:

1. Convenience: The USSD codes can be applied to any mobile phone device, be it on or off internet services. This, therefore, generally makes it very convenient, especially where the internet connection is poor.

2. Accessibility: Directly on a mobile phone, users do most banking and other transactions like account balances, transfers, bill paying, and purchase of airtime.

3. Speed: USSD code transactions are processed fast, thus giving users real-time feedback.

4. Ease of use: USSD codes are easy to use and do not require any downloading or installation of applications; hence, they are accommodative to a great variety of customers, even those using simple mobile phones.

5. Cost-effective: USSD code banking could be cheaper relative to other modes of banking, for the simple reason that it does not charge for data used and usually has a better transaction fee.

6. Security: USSD banking services are secure, as they often require a PIN entered for a transaction, which keeps them safe from unauthorized access.

7. 24/7 Availability: One can transact banking at any time of the day. This flexibility spares a person’s time from going to the bank physically.

8. Financial Inclusion: Through providing USSD banking services, Smart Cash can reach underbanked and unbanked populations, hence ensuring greater financial inclusion.

This evidence, therefore, suggests that the Smart Cash USSD code enhances usability with a reliable, efficient, and safe approach to taking care of banking transactions directly from mobile phones.

What are the Security Measures for Smart Cash USSD Code?

Ensuring the security of transactions on Smart Cash is critical. Here are some common security measures usually implemented for Smart Cash USSD codes:

1. PIN Authentication

This goes without saying; it’s probably the first line of defense in protecting your Smart Cash account. Of course, you set a PIN to log in and allow any transaction by entering this PIN for verification.

2. Encryption Protocols

This should secure the communication link while data goes back and forth between your mobile phone and the Smart Cash service. In other words, this scrambles the information to be indecipherable to any entity intercepting it.

3. Session Timeout

The USSD session will time out automatically after a period when idle. This ensures that in case you leave your phone signed on, amongst other reasons, nobody else can breach your account.

4. Transaction Limits

There may be maximum caps on how much you can send or even receive in one transaction or over some time. This would recover, to some extent at least, if somehow unauthorized access happens.

5. Masked Sensitive Information

When one is asked to access their account detailed information or even the transaction history via USSD, it’s only partial information that might be disclosed, like your phone number or even your account number. This reduces cases of someone shoulder-surfing and stealing information from you.

Also Read – Polaris USSD Code for Airtime, data and other Banking Transactions

Common Issues and Their Solutions of Smart Cash USSD Code

Here are some common challenges you may run into while using the Smart Cash USSD code and how to fix them:

1. Wrong Code

The correct Smart Cash USSD code is *939#.

2. Poor Network Connectivity

Try moving to an area with a stronger signal and then retry the USSD code.

3. USSD Session Time-out

Try to respond to the prompts quickly, and try not to be distracted while the USSD service is being used.

4. Invalid Input

Check all information you are entering for some typos.

5. Service Unavailable

Please re-try the USSD code later. You can also check Smart Cash’s social media pages or website to see if there is any update for service outages.

6. Forgotten PIN

You will be able to reset your PIN via USSD. Just do the following: Dial *939#, then go to “My Profile” > “My PIN” > “Reset/Forgot PIN”. You will then be asked to answer the security question to set a new PIN.

For other complex issues beyond these common ones, it is best to contact Smart Cash customer support.

Final Thoughts 

The Smart Cash USSD code is a quick and easy way to bank straight from your mobile phone.

Be it the recharge of airtime, the transferring of money, or other mobile banking needs; all these are catered for when talking about the USSD code of Smart Cash in just a few clicks. It’s time-saving and effortless, hence making everybody’s everyday banking easier.

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Frequently Asked Questions 

Reference 

• nairametrics.com – Simple Steps to Opening & Using Airtel Nigeria’s Smart cash PSB Wallet
• techeconomy.ng – Easy Steps to Create

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