What is SmartCash PSB and how does it work?

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#).

What countries does SmartCash PSB operate in?

SmartCash PSB operates in Nigeria as a licensed payment service bank. Its services and USSD code are targeted at users within the Nigerian market.

How do I sign up for SmartCash PSB?

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.

Does SmartCash PSB have a mobile app?

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.

Who is SmartCash PSB best suited for?

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.

How do I contact SmartCash PSB support?

You can contact SmartCash PSB support by emailing customerservice@smartcashpsb.ng for general issues. For privacy related matters, you can reach them at privacyoffice@smartcashpsb.ng.

Does SmartCash PSB have a plan for teams or businesses?

SmartCash PSB serves individuals and small businesses, and it also provides a separate retailer app for agents and merchants. However, there is no clearly defined multi seat or team “plan” like SaaS team subscriptions, so detailed team pricing or tiers are .

Does SmartCash PSB offer an API or integrations?

There is no public information about official APIs, developer documentation, or third party integrations for SmartCash PSB, so its API and integration offerings are .

SmartCash PSB

🇳🇬 Nigeria

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.

Use it on:Web Android iOS

Is SmartCash PSB right for you?

Best for

Everyday transfers
Airtime and data buyers
USSD-first users
Nigerian small businesses
Family money sends

What it does well

Send to bank accounts
Send to phone numbers
Buy airtime and data
Pay everyday bills
USSD access

Things to check

Transfer fee rules
USSD code reliability
Bank name lookup speed
Billers supported
Transfer limits

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.

Social Links:

Categories:

Fintech

Features & Business Model:

b2c bill-payments mobile-money

Frequently Asked Questions About SmartCash PSB

Recent Reviews for SmartCash PSB

4.5

Excellent · 4 reviews

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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 ♥️

fikayomioguntoyinbo28

NG · 2 reviews

Jun 4, 2026

It's a really nice app to transfer and receive money, buy data and airtime and they also give very good data deals. I love it, and you can transfer as mush as You like. But when you type an account number they take time to bring out the bank name but apart from that, the app; 9/10

zainabauwal56

NG · 2 reviews

May 31, 2026

Security, speed, and accessibility are key strengths of the platform, making it a practical choice for daily banking needs. Whether you’re sending money to family and friends, managing business payments, or purchasing airtime and data, the app delivers a seamless and dependable experience.