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Send, receive, and pay with mobile money across Africa
SmartCash PSB
A Nigerian payment service bank app for individuals and small businesses to transfer money to mobile numbers or bank accounts, and buy airtime and data.
SmartCash PSB Product Overview
Is SmartCash PSB Right for You?
Liners prepares and updates these highlights as product information changes. Editorial standardsBest For
- Nigerian individuals
- Small business owners
What It Does Well
- Transfers to bank accounts
- Transfers to phone numbers
Things to Check
- USSD code options
- Transfer limits
About SmartCash PSB
SmartCash PSB is a Nigerian payment service bank for individuals and small businesses that need mobile-first tools for everyday banking transactions like transfers and top-ups.
Key capabilities include:
- Instant money transfers to any mobile number
- Instant transfers to bank accounts
- Airtime recharge for self and others
- Mobile data purchase for self and others
Available on Web, Android, and iOS.
It primarily serves consumers who want digital financial services on their phones, with secondary use for small businesses and merchants that need simple ways to send and receive payments.
SmartCash PSB is notable in Nigeria because it is provided by Airtel Africa PLC, linking a payment service bank offering to a major telecom operator’s distribution footprint and mobile user base. Customer support contact points include customerservice@smartcashpsb.ng and privacy enquiries via privacyoffice@smartcashpsb.ng.
SmartCash PSB Facts
Liners compiles product facts from official websites, app stores, documentation, trusted public sources, and details shared by product teams during editorial review. We also consider crowdsourced updates when they include verifiable evidence, and refresh facts as information changes. How we source dataOperates In
Official Links
What it does
Pricing & Fees
Variable pricingSmartCash PSB’s pricing varies by transaction, with applicable fees charged at the point of transaction; its SmartSaver currently has no funding or withdrawal fees.
As of Oct 5, 2026, SmartCash PSB is rated 3.9 on the App Store from 2.1K reviews and 4.6 on Google Play from 118.7K reviews with 10M+ installs.
Recent Reviews for SmartCash PSB
Reviews reflect each reviewer's opinion. Companies cannot pay to alter or remove reviews. A verified review includes proof that Liners checked to an extent. Learn how reviews work3.9
Great · 4 reviews
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How is the score calculated?
Every product starts at a 3.5-star baseline worth 7 reviews. Each approved review pulls the score toward the real average, so a product with one 5-star review shows about 3.7.
Learn how reviews work
Esther Ogunbanke
NG · 2 reviews
Jun 26, 2026
I love how easy and seamless it is. I love the option of USSD for easy access to buy products
Olusola Grace
NG · 4 reviews
Jun 5, 2026
A great application that makes money transfer easy and cost free with their no transfer-charge fee. Also makes purchasing data more affordable with their *939*77# code and also get a 10% refund. The app is just Soo lovely ♥️
Frequently Asked Questions About SmartCash PSB
SmartCash PSB is a Nigerian payment service bank from Airtel that lets you open and use a digital account to send money, receive money, and handle everyday payments on your phone. You can transfer funds to mobile numbers and bank accounts, buy airtime and data, pay utility and TV bills, and scan and pay at merchants through its app and USSD (*939#).
SmartCash PSB operates in Nigeria as a licensed payment service bank. Its services and USSD code are targeted at users within the Nigerian market.
To sign up for SmartCash PSB, you can dial *939# on a supported Nigerian mobile line or download the Smartcash PSB app on Android or iOS and follow the in‑app registration steps to open an account. You will typically need a mobile number and basic personal details to get started.
Yes, SmartCash PSB has mobile apps for both Android and iOS. You can download the “Smartcash PSB” app from Google Play Store and Apple App Store.
SmartCash PSB is best suited for individuals in Nigeria who need a simple mobile way to send and receive money, buy airtime and data, and pay everyday bills. It is also useful for small businesses and merchants that need straightforward tools to accept and make digital payments.
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