Access essential financial services quickly and securely with Smartcash PSB, a mobile banking solution designed for seamless transactions, bill payments, and account management. Built to simplify everyday banking, Smartcash PSB supports multiple accounts, quick checkouts, and convenient digital tools that allow users to send money, pay bills, and shop with ease—all through a single, trusted interface.
Instant Money Transfers
- Send funds to any bank account or mobile number instantly using in-app transfer tools.
- Enables peer-to-peer transactions and business payments with rapid confirmation.
- Supports transfers across various banking platforms with wide interoperability.
Airtime and Data Recharge
- Recharge prepaid mobile numbers or purchase data bundles for yourself or others.
- Includes options for all major service providers and supports multiple payment methods.
- Favorites feature allows recurring recharges to be saved and completed faster.
Bill Payment Services
- Pay utility bills including electricity, water, solar, and postpaid services directly from your device.
- Settle cable TV subscriptions and transport-related fees without visiting service offices.
- View due amounts and confirm successful transactions through in-app notifications.
Merchant Payments and QR Scanning
- Scan and pay at participating merchant outlets using supported QR codes and payment protocols.
- Offers cashless transaction options at retail shops, service providers, and food outlets.
- Transactions are logged and viewable for quick expense tracking and receipts.
Multi-Account Management
- Manage several bank accounts within one unified app interface.
- Switch between accounts seamlessly to check balances or perform specific actions.
- Useful for personal and business users managing income and expense flows.
Secure Login and Transaction Protection
- Strong authentication protocols protect login sessions and transaction integrity.
- Encrypted transmission ensures user details and payment data are safe at all times.
- Security updates and layered protections prevent unauthorized access.
Personalized Favorites and Quick Access
- Save frequent transaction details such as beneficiary accounts or biller references.
- Access saved actions from your Favorites tab to speed up repeat payments.
- Favorites can be managed or updated based on transaction frequency or value.
Frequently Asked Questions
Q: Can I send money to someone without a bank account?
Yes, transfers to mobile numbers are supported.
Q: Can I pay electricity and water bills using the app?
Yes, a range of utility bills can be paid through Smartcash PSB.
Q: Does the app support QR code payments?
Yes, you can scan and pay at supported merchant locations.
Q: Can I use the app for multiple accounts?
Yes, you can manage more than one account in the same app.
Q: Are transactions secure?
Yes, all transactions are encrypted and protected with authentication layers.
Q: Can I recharge airtime for someone else?
Yes, you can recharge any mobile number with airtime or data bundles.
Q: How do I repeat frequent transactions?
You can save them as Favorites and access them instantly.
Q: Is the app compatible with all Nigerian banks?
It supports transfers to all major bank accounts.
Q: Can I view my transaction history?
Yes, past transactions are recorded and accessible from the app.
Q: Do I need internet to use the app?
Yes, an active internet connection is required for all services.
Version History
v2.2.0 — 23 Jul 2025
New Features • Smart Saver introduced to enhance personal finance management • Bill Reminder tool added to ensure timely utility payments
v2.1.0 — 15 Jun 2025
Superbonus Cashback • Earn bonus rewards on phone recharges and airtime purchases
Transaction History Extension • Download detailed records spanning 30, 60, or 90 days
System Improvements • Bug fixes and backend optimizations for smoother app flow
v2.0.0 — 25 Apr 2025
Onboarding Overhaul • Streamlined experience for first-time users
Tier Upgrade Integration • Account level upgrades enabled from initial setup
Virtual Account Feature • New virtual numbers support streamlined money transfers
UI & UX Enhancements • Refreshed interface and interaction dynamics for improved navigation
