How to's

Without Smart Money Account


How to Send Money through a Smart Padala Agent

  1. Mag-fill out ng transaction slip at i-present ang one (1) valid ID.
    Ilagay ang account number ng Smart Padala agent kung saan ito dapat i-claim. Ilagay din ang iyong cellphone number at ng receiver.
    Smart Money
  2. Ibigay ang transaction slip kasama ang pera at ang corresponding service fee sa Smart Padala agent. Smart Money
  3. Confirm your transaction slip.
    I-double check ang details and sign your transaction slip. Makakatanggap ka ng confirmation text message with the reference number.
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How to Claim Money through a Smart Padala Agent

  1. Mag-fill out ng transaction slip at isulat ang natanggap na reference number.
    Mag-present rin ng one (1) valid ID.
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  2. Confirm your transaction slip.
    Pirmahan at tanggapin ang iyong transaction slip. Siguraduhing tama at kumpleto ang natanggap na pera. Libre ang pag-claim!*
    *Simula August 1, 2017
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How to Send money via Smart Padala International

  1. Go to a Smart Padala International Partner.
    Pumunta sa pinakamalapit na overseas remittance partner ng Smart Padala. To view list of Smart Padala International Partners, click here.
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  2. Mag-fill out ng Send form.
    Magpakita ng one (1) valid ID pagkabigay ng Send form.
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  3. Ibigay ang pera.
    Bayaran ang corresponding fee na ayon sa amount ng pera na ipapadala.
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  4. Kunin at itago ang receipt.
    Ang iyong transaction ay successful! Ibigay ang reference number at amount na pinadala sa iyong recipient.
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To learn more about Smart Padala International, click here

How to claim Smart Padala International Remittance

  1. Mag-fill out ng transaction slip at isulat ang natanggap na reference number.
    Mag-present rin ng one (1) valid ID.
    Smart Money
  2. Confirm your transaction slip. Pirmahan at tanggapin ang iyong transaction slip.
    Siguraduhing tama at kumpleto ang natanggap na pera. Libre ang pag-claim!*
    *Simula August 1, 2017
    Smart Money


To learn more about Smart Padala International, click here

With Smart Money Account


How to transfer money to another Smart Money Account

  1. Pumunta sa Smart Menu at piliin ang Smart Money. Smart Money
  2. Piliin ang “Transfer” and press OK Smart Money
  3. Piliin ang “Others” and press OK Smart Money
  4. I-enter ang Smart Money account number and press OK.
    *Note: Kapag hindi mahanap ang "Enter Card No." sa screen, i-text ang UPDATE MONEY to 343.
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  5. Press OK kapag ang "Transfer from?" appears on the screen. Smart Money
  6. Pumili sa list ng Smart Money Card names and press OK. Smart Money
  7. I-enter ang amount na ipapadala. Tandaan, gagamitin lang ang # instead of a decimal point kung ang padala ay may kasamang centavo. Ex: Para i-enter ang 100, i-type ang 100; kapag ang padala ay 100.50, i-type ang 100#50.
    *Note: Pwede ka magpadala up to P10,000.
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  8. I-validate na tama ang amount at receiver details, and press OK. Smart Money
  9. I-enter ang 6-digit W-PIN and press OK. Smart Money
  10. Ikaw ay makakatanggap ng free text message na nagsasabi na successful ang iyong transaction. Smart Money
  11. Kung ang Smart Money account ay ginagamit for business, may matatanggap kang text na kailangan mong i-send ang cellphone number ng iyong customer at receiver ng Smart Padala transaction. Smart Money


To learn more about Smart Money, click here.

How to Receive Smart Padala International using Smart Money (for personal use)

  1. Hintayin ang confirmation from Smart Money.
    Makakatanggap ka ng text from Smart Money na magkukumpirma na ang pera galing abroad ay credited na sa iyong account.
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  2. I-check ang balance.
    I-verify ang natanggap na pera. Pumunta sa Smart Money Menu at piliin ang "Balance" para malaman kung pumasok ang Smart Padala International transaction.
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  3. Gamitin na ang natanggap na remittance.
    Pwede nang magbayad ng bills, magpadala ng pera, bumili ng e-load, o i-encash sa pinakamalapit na Smart Padala agent. Kung valid pa ang Smart Money MasterCard, maaari rin mag-withdraw via ATM o mag-shopping.
    Smart Money


To learn more about Smart Padala International, click here.

How to Load your Own Prepaid Mobile Number

  1. Pumunta sa SMART Menu and select SMART Money. Smart Money
  2. Select ‘Reload Prepaid’. Smart Money
  3. Select ‘Own Airtime’, press OK. Smart Money
  4. Select desired denomination, press ‘OK’. Smart Money
  5. Ikaw ay makakatanggap ng notification, press OK. Smart Money
  6. I-enter ang 6-digit WPIN, press OK. Smart Money

How to Reload Another Person’s Prepaid Number

  1. Para magreload ng prepaid mobile number, pumunta sa SMART Menu at piliin ang “SMART Money”. Smart Money
  2. Piliin ang “Reload Prepaid”. Smart Money
  3. Piliin ang prepaid service you wish to reload. Smart Money
  4. Piliin ang “Others” and press OK. Smart Money
  5. Enter the mobile number of the recipient and press OK. Smart Money
  6. Pumili sa list of SMART Money Card Names and press OK. Smart Money
  7. Piliin ang amount that you wish to reload and press OK.

    Note: To view all the available load denominations, text UPDATE MONEY to 343.
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  8. Confirm your transaction request by pressing OK. Smart Money
  9. I-enter ang 6-digit W-PIN and press OK. Smart Money
  10. Ikaw ay makakatanggap ng free text message na nagkukumpirma na successful ang iyong transaction. Smart Money

How to Lock and Unlock your SMART Money for Online Transactions

Ensure safe online shopping with the award-winning Lock and Unlock feature of SMART Money!

  1. To unlock SMART Money for online transactions, pumunta sa SMART Menu at piliin ang “SMART Money”. Smart Money
  2. Piliin ang “Internet Txns” and press OK.

    Can’t find “Internet Txns” on your mobile phone? Text INTERNET to 343 para ma-update ang iyong SMART Money Menu.
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  3. Piliin ang “Unlock” and press OK Smart Money
  4. Pumili sa list of SMART Money Card Names and press OK. Smart Money
  5. Pagkatanggap ng confirmation request for your transaction, press OK. Smart Money
  6. I-enter ang 6-digit W-PIN and press OK. Smart Money
  7. Ikaw ay makakatanggap ng free text message na nagkukumpirma na successful ang iyong transaction.

    Para sa iyong security, your SMART Money account shall automatically lock after 30 minutes or after performing 2 online purchase transactions, whichever comes first.
    Smart Money


To learn more about Smart Money, click here.

How to Shop Online with my Smart Money

  1. Pumunta sa napiling website at i-fill out ang payment page. I-select ang MASTERCARD as the mode of payment.

    *Before clicking the “Pay Now” or “Finish” button, siguraduhing i-unlock ang iyong SMART Money Account.
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  2. Piliin ang Internet on your SMART Money Menu at i-select ang Unlock. Smart Money
  3. Piliin ang SMART Money account na gagamitin, i-confirm at i-type ang iyong W-PIN. Smart Money
  4. Once account is unlocked, click “Pay From” or “Finish” sa online payment page at kumpletuhin ang required na impormasyon. Smart Money


To learn more about Smart Money, click here.

How to Activate SMART Money Mobile Banking on your Phone

  1. Pumunta sa SMART Menu and Select Mobile Banking. Smart Money
  2. Select Activate Bank. Smart Money
  3. Create M-Pin. Smart Money
  4. I-enter ang 4 letter bank code.

    *For list of bank codes, click here.
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  5. Press OK to continue. Smart Money
  6. I-enter ang 4 digit mobile pin. Smart Money
  7. Makakatanggap ka ng notification na magkukumpirma na successful ang iyong Mobile Banking Service enrollment. Smart Money


To learn more about Smart Money, click here.

How to add funds using your mobile banking enrolled Smart Money account

  1. Pumunta sa SMART Menu and Select SMART Money. Smart Money
  2. Select Reload Money and press OK. Smart Money
  3. Pumili sa list of account names kung saan mo gustong mag-transfer ng pera from your account and press OK. Smart Money
  4. Pagkalabas ng flash message, press OK. Smart Money
  5. Pumili sa list of enrolled banks. Smart Money
  6. Pumili sa list of enrolled mobile banking accounts. Smart Money
  7. I-enter ang amount na i-rereload sa iyong SMART Money. Smart Money
  8. Lalabas ang flash message na magkukumpirma ng reload amount at bank account. Press OK to confirm. Smart Money


To learn more about Smart Money, click here.

How to Reload a PayMaya Account

  1. Go to SMART Money Menu.
    Piliin ang SMART Money.
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  2. Select “Transfer”. Press OK. Smart Money
  3. Select “Others”. Press OK. Smart Money
  4. Enter 14-digit PayMaya reloading number at ang registered PayMaya mobile number. Tandaan: Ang PayMaya reloading number ay nagsisimula sa 7788 or 8877. (ex.77889473371234, 88779473371234). Smart Money
  5. “Transfer from” will appear. Press OK. Smart Money
  6. Piliin ang account na pagkukunan ng pera. Press OK. Smart Money
  7. Piliin ang Transfer
    Press OK.
    Paalala: Enter the amount na gustong i-reload and press OK.
    Minimum of 3-digits ang kailangan ilagay sa Amount. Dagdagan ng zero “0” sa harap, kung 2-digits ang katumbas ng ipapadala.
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  8. I-verify ang reload transaction sa PayMaya account and press OK to confirm. Smart Money
  9. Ilagay ang W-Pin.
    I-enter ang W-PIN and press OK.
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  10. Receive a text confirmation.
    Makakatanggap ng text message confirming ang iyong transaction. Ang target PayMaya reloading number ay makakatanggap din ng confirmation text.
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  11. Ikaw ay makakatanggap ng free text regarding sa current available balance mo.


To learn more about PayMaya, click here.

How to Pay Bills Using SMART Money

  1. Pumunta sa SMART Menu at piliin ang “SMART” Money. Smart Money
  2. Select “Pay Bills” and press OK. Smart Money
  3. Select “Others” and press OK. Smart Money
  4. I-type ang biller code na iyong babayaran. Smart Money
  5. I-enter ang billing account number galing sa billing statement ng customer. Smart Money
  6. Piliin ang tamang SMART Money Card Name sa list and press OK. Smart Money
  7. I-enter ang amount ng babayaran and press OK. Gamitin ang # instead of decimal amount.
    Paalala: Para magbayad ng MERALCO bills, exact dapat ang amount na babayaran
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  8. Pagkareceive ng confirmation request para sa iyong transaction, press OK. Smart Money
  9. I-enter ang 6-digit W-PIN and press OK. Smart Money
  10. Ikaw ay makakatanggap ng text message confirming your successful transaction. Smart Money


To view list of billers, click here.

Add Funds via BDO Deposit

  1. Pumunta sa pinakamalapit na BDO Branch. Smart Money
  2. I-fill out ang BDO Bills Payment Form at ilagay ang SMART Money account number. Smart Money
  3. I-claim ang receipt. Ikaw ay makakatanggap ng text message confirming na successful ang iyong deposit. Smart Money

How to be Compliant

  1. Mag-request sa customer na mag-pakita ng valid ID (government –issued, photo bearing, unexpired) at mag-submit ng clear photocopy ng ID (para sa first time customers).

    List of valid ID's
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  2. Mag-request sa customer na sagutan ang transaction slip.
    Para sa mga first-time customers, kailangang kumpletuhin lahat ng fields para accurate ang customer data.
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  3. Siguraduhing pareho ang signature ng customer sa ID at transaction slip. Smart Money
  4. Pirmahan ang sinagutang transaction slip ng customer. Smart Money
  5. Ibigay ang transaction slip copy sa customer. Smart Money
  6. I-file ang transaction slip ayon sa petsa at itago. Smart Money
  7. I-report ang mga suspicious na Smart Padala transaction.
    PayMaya Philippines, Inc.:
    irmfraudteam@paymaya.com
    (02) 845 7777 or 15177 gamit ang iyong SMART or TNT mobile number
    Smart Money
  8. Siguraduhing naka-display ang mga Smart Padala merchandise sa lahat ng oras. (i.e service announcements, price table and promo posters) Smart Money
  9. Mag-attend ng Anti-Money Laundering Act (AMLA) at Smart Padala para masigurado na ikaw ay palaging updated sa mga latest information o policies. Smart Money
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