₦airaland Forum

CBTxFactor:
Hello, Fellow Nairalanders, I hope you're all having a good day than I am.
We need to talk about what is currently happening with Smartcash PSB, the digital banking subsidiary owned by telecom giant Airtel Nigeria.
If you have money inside this app, or if you’ve been planning to use them for their much-advertised features, please read this thread carefully and secure your funds if you still can.
There is an ongoing, quiet crisis hitting Smartcash PSB users, and the complaints rocking the comment sections on their official social media handles (especially X/Twitter @smartcashpsb) are becoming too frequent and alarming to ignore.

My Personal Experience: How My ₦30,000 Vanished and They Ghosted Me.
Let me share my own firsthand nightmare with this platform. I had an active account with a total balance of ₦30,000 sitting safely inside it. Out of nowhere, following their recent "system upgrades," my account simply vanished. I was abruptly logged out, and every attempt to log back in or reset my credentials has been completely blocked. It is as if my account never existed in their database.
To make matters worse, I’ve tried reaching out to them via their so-called support on X. I sent multiple DMs detailing how my money disappeared, but they don't even acknowledge or reply to my messages. It’s total radio silence while they hold onto my ₦30,000. I can't even reach them through their help line +2349125939939 because all I get is a recorded message of "we're experiencing technical difficulties..."

The 10% Cashback Bait: Now Completely Broken
One of the biggest features Smartcash used to drag millions of Nigerians away from OPay and PalmPay was their highly publicized 10% Cashback promo on Airtel airtime and data recharges. It was a sweet deal on paper ...spend money and get instant percentages back into your wallet.
However, users are now crying out that this feature has been completely inoperable for a long duration. Not only are people not receiving their promised cashbacks, but the transactions frequently trigger errors, leaving users with failed recharges and trapped bonuses that can no longer be redeemed. They used the 10% cashback to lure people in, and now the system has been abandoned.

The Core Issues: What Customers Like Myself Are Facing
From the massive outcries rocking their recent social media posts, the operational failures of Smartcash PSB fall into three scary categories:

1. Forced Deactivations and "Vanishing" Funds
The bank has been sending out emails to certain users claiming they need to deactivate their wallets due to "upgrade issues." They explicitly assure customers that their balances are safe. However, multiple users have reported that after their wallets are deactivated for this "upgrade," the money is debited, and the bank fails to re-onboard them.

2. Constant Biometric Locks & Inaccessible Support
Following recent app updates, the application is abruptly logging users out. When trying to log back in, the app rejects previously registered biometrics. To make matters worse, when users try to reset their details via customer service, they are being told their bio-data (like Date of Birth) is incorrect even though the customer set it up themselves.

3. Hidden/Ghost Transactions and App Bugs
Many business owners and casual users complain that when transfers are made, money leaves the account immediately (debit alert received), but the transaction completely vanishes from the app's history. Users are left stranded at POS points or merchant shops with no receipts to prove they actually sent money. To make matters worse, sending money from other banks to smartcash PSB will be tagged successful but nowhere to be found within the recipient's account.

Current Outcries From Stranded Customers
A quick scroll through the comments on their recent X posts shows a pattern of absolute panic. Here is what real users are saying right now in their comments section:

App Lockout:"I updated the app and it doesn't accept my biometrics anymore. It locked my account. Customer service is telling me my date of birth is incorrect so I can't unlock it or get my money out!"

Missing Transaction Proof:"Sometimes when I send money and the person hasn't seen the alert, I check my transaction history to generate a receipt, but I can't see it! Even though I got the debit alert immediately. I almost got beaten up at a shop because of this issue."

The Silent Treatment:"You people will not reply DMs, your customer care number (939) is not connecting, and you have locked my money inside the app. Is this how you want to run a bank?"

Why This is Dangerous
Unlike regular commercial banks with prominent, dedicated brick-and-mortar branches on every street corner, Smartcash is a Payment Service Bank (PSB). While backed by Airtel, trying to resolve core banking issues at a standard telecom customer care center has proven to be a nightmare for many, as the telecom staff often lack the banking infrastructure to fix backend wallet glitches.
They lured millions of Nigerians in with promises of zero transaction fees and 10% cashback, but what use is a free transfer if you wake up one day and cannot access your capital?

Over to You, Nairalanders:
Are you currently using Smartcash PSB?
Have you experienced these random logouts, missing funds, or frozen wallets?
If you had issues and successfully got your money out, please share how you did it so others can learn.🙏🏾

Let's push this thread to the front page so Airtel and Smartcash PSB management can address this systematically before it turns into a full-blown financial disaster for unsuspecting Nigerians!
Mods, please help 🙏🏾 raise awareness on this matter by pushing this to the front page. Thank you.


#SmartcashPSB #AirtelNigeria #DigitalBanking #NairaCrisis

Bmaster:
[give them like 6 days,they will be back.This glitch and network disruptions is what many nigerians from the south east has been passing through with EEDC.

michlins:
I just sent the message. Waiting for the response

michlins:
how did you activate the bonus on the device

michlins:
it comes with power bank sir

dustmalik:
Have you confirmed yourself that you are getting up to 100Mbps? I thought it ships with 50Mbps.

Each NIN is allowed 4 sims per network, so you can't register more than 4 sims on the mtn network.

michlins:
kindly explain this part. I expect to receive the device today so I don't really know how it all work. Meanwhile, upon purchase of the device, which speed are you entitled to

Unfaized:
Sweet. Anyway to help someone purchase and ship?

Jspider22:
Please Boss where’s ur location? Can you help me get one please

Unfaized:
Can you post pictures of this stuff unboxed? Coz I think I saw this 5G broadband at the mtn head office... They said they had 5G device but seems the clash is the ODU name.

dustmalik:
You can access the MTN 5G ODU plans by dialing *461*1#

The 45k for 1000Mbps plan has to be an error. No way it is real. I think they wanted to write 100Mbps

gracefoundmme:
I disagree with you bro, maybe you made a mistake, been using this Unlimited plan for 30k for months now, what I am seeing is 100gb and not Unlimited GB like you can see my screenshot

Christianweb00:
I recently bought the airtel smart tv router and subscribed for Airtel 30k Unlimited plan using Opay,
But instead all I received was 100GB, Talked with customer care but they said my router is not compatible with the unlimited Plan which I was confused about, I had checked the airtel site and clearly saw unlimted plan under the smart TV router,
Wondering if anyone has a similar experience and what I should do

michlins:
all of us won't be in Abuja sha

modified this product is still on the test phase according to the MTN agent that just called me. There's no official details available yet

michlins:
I haven't found a single information as regards this device. Their website doesn't carry it nor any of their agents aware of its existence

michlins:
where and how do I buy this. Airtel ODU has shown me hell

Ifeanyi4491:
odu?

NSEstudent:
I hope the monthly sub is not 40k

NSEstudent:
Price, speed and data cap go determine if it will fly. MTNN dey too stingy with data.

Ishilove:
Send Help

This is the second morally ambiguous movie I am watching in a week. First it was "How To Make A Killing," and now this one.

Is Linda the good guy or the bad guy? Is Bradley the good guy or the bad guy? Does the bad guy win at the end?

The movie has its funny moments, but at the end, I am left wondering what the actual fucxxx i just watched.

8/10.

Achilles100:
But Sansa sha, even if na a likkle bit of ass. Everywhere just flat like plate.

Steal

Rarre:
One of the worst film I've watched this year, these people are crazy

Ellexy:
Was it Robert or that cartel guy at the end there?

Calibrator:
Mayor of Kingstown producers have hacked this end of the season climatic build-up of a thing.

Every season finale countdown feel like you must be there

Grandfatherwest:
out of that 30 questions i answered, when I later check am online, Omoh na only 14 of the questions i answer correctly , the question too dey very unexpected,,,, imagine asking me “ The earth surface is made up of how many percent of water” 😏😏 I just least expect the question 🙋

zeeace:
it has made a little progress from the last one. But still not connecting