₦airaland Forum

Just report them to cbn.

Ona get mind o

U left Opay and Moniepoint to Airtel

My

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.

Smart Cash must be the most unsafe banking app in Nigeria
From time to time I get messages saying I've initiated a pin change when I didn't,thank God I have safeguards
Besides they are only good for one thing and one thing only, they are best to recharge your Airtel line

Na momo mtn want use to scam us.











Even if you buy data and download their app












Have you forget say then no get NETWORK!

The time wey you dey chop the awoof alone since you no loud am.
The wahalaaa come land, you dey loud am
Okay we don hear.
Make we go help you close down Airtel office.....

I think it is a technical glitch, they will restore it very soon

Anything airtel no dey pure. But they can spend money on advert just to get your attention and then your money. After that, you go know what's up.

Tenses:
With this well crafted and detailed epistle, you have erased any doubts that this is a smear campaign against Smartcash.

The question, who's bankrolling you?

Smear kini? Even me I tried to log in 2 days ago but couldn't, I didn't even bother coz I no kuku get shishi for the account. If I had money there and they did this nonsense, I will personally pay for Facebook ad to call them out and ask Nigerians to watch out as their behaviour is looking like that of a fraudster.

MaziObinnaokija:
may LONG THROAT nor FINISH some people.Weda nah smart deals,smartcash whatever SCAM name dey use to entice una,SPEAK to yo legs and RUN.Even OPAY,I dey fear to deposit large some into the account. The moment I transfer 300k there,same week I don spend am leaving like 20k there.

Buy a piggy bank and save all your money in there it more safer. Man suffering from trust issues

weda u are one of them( i nor accuse unooo) or not,the OP sha don ring VILLAGE BELL,GONG to alert una.GO AND WITHDRAW ur money b4 dem LOCK U up patapata

Kelklein:
I haven't had any issues with Smartcash tho. It's been seamless from my end.

Try reaching out to them via private messaging or emails..

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

Stop sending them messages, compile all your evidence and mail or chat fccpc - federal consumers protection agency, you can Google their accurate help lines.

CBTxFactor:
This is serious. This is my first experience with this so I wasn't familiar with their game.

I no longer get the 10% cashback and I was abruptly logged out of my account on the App. I was still able to access the account through the ussd code. But 2days later I was able to log in to the app and it asked for my pin which I provided, since then no issues.
The thing about smartcash is that I don't put anything above ₦2,000 in that account, I mostly use it for data purchase and nothing else.

Oisagbai78:
Thank God I nor dey use them. Even the Momo PSB of MTN sef, na small small Money I dey put inside in case if something like this happen! Airtel network these day's is seriously worse than anything! I nor dey even use their network too often sef. Na MTN I dey use pass.

Glo is currently the worst network provider at the moment. Not only is their service very poor, the company itself is very fraudulent.

Therepentant:
I used smartcash like almost daily. I do not experience all this. I get my cash back and all.

you're one of the lucky ones, I was logged out of the app for 2days, but I was accessing my account through the ussd code and I stopped receiving cashback since the upgrade.

I use the app but I only ever keep a little money there just like the other similar fintech apps where I have an account

unite4real:
Never had an issue with smartcash.
After reading this I decided to carry out some transactions and it was all smooth as before.

I experienced some issues with them. I was logged out of the app but I was able to access my account through ussd. I have regained access to the app but I no longer receive cashback. But I never had any issues with my transactions, I thought that the issue was just App exclusive and had nothing to do with the account itself.

I believe they are working on it, in few days they will back, their customers service is very poor.

kid! I have bin banking even b4 dem born u..How i wish i can show u my card wiyh SGB in those days.If u dnt knw SGB.It"s late baba oloye bank.U are TOO SMALL

Dybala85:
Buy a piggy bank and save all your money in there it more safer. Man suffering from trust issues

LamineF:
Although they've bad system.
You buy prepaid meter, you won't see token until you mail them (Try n see)

You can't access customer service on the app. Their interface is very 4 centuries ago

the interface is data friendly though, it's very simple and uncomplicated.

yemre:
You're so insensitive. Someone has detailed his personal experience about his money being trapped in an app and all you could do is allege that someone is bankrolling him for a smear campaign against Smartcash! Smh

Not smear checked mine same thanGod someone supposed to pay in this morning .

Tenses:
With this well crafted and detailed epistle, you have erased any doubts that this is a smear campaign against Smartcash.

The question, who's bankrolling you?

You must be out of your mind to say this. The issue with smartcash have experienced by a lot of people including me. I was logged out of the account for 2 days, and the cashback no longer works.

MaziObinnaokija:
kid! I have bin banking even b4 dem born u..How i wish i can show u my card wiyh SGB in those days.If u dnt knw SGB.It"s late baba oloye bank.U are TOO SMALL

Exactly! Return to your old ways by buying a piggy bank. Obviously, you can’t catch up with this pace and mindset. No offense intended

Me too
Whats hapnin now

wiseone28:
I just checked mine it's true

It says account blocked

The App is working perfectly. I just opened mine now, it only require input new password which I did. The platform is safe and secure. My funds are safe and accurate.

Why i go get pass 2k for Smartcash, Opay, Palmpay. I det craze

These are the type of networks that want to carryout realtime transmission of election results.

As if I saw this coming. I transferred my remaining balance after I subscribed my router.

I don't know what took me back this morning to open the app and I was blocked.

MY ACCOUNT IS SAFE AND WORKING. I ENJOY 10% OFFER. I WAS LOCKED SOMETIME AGO FOR SUSPICIOUS WHICH IS VERY GOOD, ONCE U PUT YUR NIN U GOT UNLOCKED. IT IS VERY GOOD TO SECURE YOUR ACCOUNT. I DNT KNW WHY THE PANIC HERE

Tenses:
With this well crafted and detailed epistle, you have erased any doubts that this is a smear campaign against Smartcash.

The question, who's bankrolling you?

May the almighty thunder strike you down, must everything be political or propaganda to you?

I just check mine now, my account has been locked for no reason, if you like keeping using all these yeye saturated fintech bank...

Yeah d glitch ave been noticing for some days nw is dat dere dey don't give dere usual cashback for some days nw,if I buy a data worth 300 naira am giving 30 naira cashback, but am not seeing it anymore, but apart from dat itis working very well, infact I ave been told to change my pin dis morning

Please follow the instructions, I just checked mine same thing update your app relog follow instructions and it opens. Stop spoiling one's name