Airtel SmartCash USSD Code & Features in 2025 (Complete Guide)
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What is Airtel SmartCash?
SmartCash is Airtel Nigeria’s official mobile money and payment service licensed by the Central Bank of Nigeria (CBN). It allows Airtel users to:
- Send and receive money
- Pay bills (DSTV, PHCN, etc.)
- Buy airtime and data
- Receive salary or government grants
- Withdraw cash without a bank account
Whether you're in a rural area or a big city, SmartCash Wallet gives you banking access via USSD or app — no internet required.
SmartCash USSD Code in 2025
To use SmartCash via USSD, dial:
*770#
This works on all phones and doesn't require mobile data or a smartphone. Just use your Airtel line.
Top Features of SmartCash via 770#
| Feature | USSD Option | Description |
|---|---|---|
| Send Money | 1 |
Send to other SmartCash, bank, or mobile wallet users |
| Fund Wallet | 2 |
Fund your wallet from a bank card or bank account |
| Buy Airtime | 3 |
Recharge for self or others |
| Buy Data | 4 |
Purchase data bundles easily |
| Withdraw Cash | 5 |
Withdraw from a SmartCash agent or linked bank |
| Check Balance | 6 |
View current wallet balance instantly |
| Pay Bills | 7 |
Pay for electricity, TV, WAEC, betting, etc. |
| More Services | 8 |
Link NIN, change PIN, update profile |
How to Register for SmartCash Wallet (If Not Yet Registered)
You can open a SmartCash wallet in less than 2 minutes:
- Dial
*770# - Select “Open Wallet”
- Enter your full name and 4-digit PIN
- Start transacting immediately
Or download the SmartCash PSB App for extra features.
SmartCash Wallet App vs USSD
| Feature | USSD (*770#) |
App |
|---|---|---|
| Works Without Data | ✅ | ❌ |
| Easy for Non-Smartphones | ✅ | ❌ |
| Supports Bill Payments | ✅ | ✅ |
| Better UI & Tracking | ❌ | ✅ |
| Free to Download | – | ✅ Download Here |
Tips to Use SmartCash Effectively
- Always keep your PIN safe
- Look out for SmartCash agents in your area
- Use the app to track spending and savings
- Link your bank account to fund your wallet instantly
- Use SmartCash to receive government grants or salary if unbanked
SmartCash by Airtel is revolutionizing mobile finance in Nigeria — and with the simple *770# code, you can bank on the go, even without internet.
Whether you're in the city or a remote village, you can now send, save, spend, and earn using your Airtel SIM.
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