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Code for Smartcash |
Discover the latest code for Smartcash, how to use it for transfers, airtime, and bills. Learn all Smartcash USSD codes and tips in 2025.
Are you looking for the code for Smartcash to carry out quick transactions on your Airtel line? With Smartcash Payment Service Bank (PSB), you don’t need internet access to send money, buy airtime, or pay bills. By dialing simple USSD codes, you can access your Smartcash wallet instantly, making it one of the most convenient mobile banking solutions in Nigeria.
In this guide, you’ll find the complete list of Smartcash USSD codes, how to use them, and why every Airtel user should take advantage of this service.
What is Smartcash?
Smartcash is Airtel’s licensed Payment Service Bank, designed to provide cashless transactions and financial inclusion for millions of Nigerians. With Smartcash, you can:
- Open and manage a wallet account.
- Send and receive money.
- Buy airtime and data.
- Pay utility bills like electricity, TV subscriptions, and more.
You can access Smartcash services either through the Smartcash PSB mobile app or by dialing the official USSD code.
The Official Code for Smartcash
The main code for Smartcash is:
*Dial 939# on your Airtel line.
This single code gives you access to multiple services directly from your mobile phone, without requiring mobile data or an internet connection.
Smartcash USSD Codes and Their Uses
Here are the most important Smartcash USSD codes you need to know in 2025:
- Account Opening: Dial *939# and select Open Account.
- Check Balance: 9390#
- Buy Airtime (Self): 939Amount# (e.g., 939500# for ₦500 airtime).
- Buy Airtime (Others): 939PhoneNumber*Amount#
- Transfer Money: Dial 9392PhoneNumberAmount# and confirm with your PIN.
- Data Purchase: *939# → Select Data Bundles.
- Pay Bills: *939# → Choose Utilities (DSTV, PHCN, etc.).
- Change/Reset PIN: *939# → Settings → Change PIN.
These codes work on all Airtel SIM cards that are linked to a Smartcash wallet.
How to Fund Your Smartcash Wallet
Before using your USSD codes, you must have money in your Smartcash account. Here’s how to fund it:
- Via Bank Transfer: Send money to your Smartcash account number (linked to your Airtel number).
- Via Smartcash Agents: Visit any Smartcash agent near you to deposit cash.
- Via the Mobile App: Use the Smartcash app on iOS or Android for instant funding.
Once funded, you can use the Smartcash code to access your money anytime.
Benefits of Using the Smartcash Code
Using the Smartcash USSD code offers several advantages:
- No Internet Required: Works perfectly on feature phones and in low-network areas.
- 24/7 Availability: Access your money anytime, anywhere.
- Secure Transactions: Protected with your Smartcash wallet PIN.
- Fast and Convenient: No need to visit banks or wait in long queues.
Why Smartcash Code May Not Work
Sometimes, users face issues when dialing Smartcash codes. Here are common reasons:
- Unregistered Number: Ensure your Airtel SIM is linked to Smartcash.
- Network Issues: Retry during a stable connection.
- Insufficient Balance: Fund your Smartcash wallet before transactions.
- Incorrect Format: Always enter the correct USSD format (e.g., 939500#).
If problems persist, contact Airtel Smartcash support via the official Airtel Nigeria website.
Who Should Use Smartcash?
Smartcash is designed for:
- Students who want affordable and instant airtime/data top-ups.
- Business owners who need to transfer money quickly.
- Families looking for a simple way to pay bills.
- Rural dwellers without reliable internet access.
By dialing just a code, anyone can enjoy modern mobile banking features.
The code for Smartcash (*939#) is your gateway to simple, fast, and secure mobile banking on Airtel. Whether you need to buy airtime, transfer money, or pay bills, the Smartcash USSD code makes it effortless without internet access.
If you haven’t already, download the Smartcash PSB mobile app today and combine it with the Smartcash USSD codes to enjoy the best of both worlds—digital banking convenience and offline accessibility.
Don’t wait until you run out of airtime or data. Dial *939# now and take full control of your Smartcash wallet!
