₦airaland Forum

PulaPower:
He has always been a tribal bigot. I’m sure if the kids in this context are Ibo kids, he wouldn’t reacted this way. Nothing surprising here. Nah their way..

If you wanna call out government, call out government… But why mocking innocent kids?

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

insidelife22:
Am beginning to think the EPL is over hyped

Wizvicky:
your president is a vile and wicked man. He doesn’t care about the masses so don’t expect any government intervention

Islie:
Nigeria sells to foreigners, those foreigners then add their cut and sell to Dangote Refinery



https://www.thecable.ng/tinubu-has-4-options-on-petrol-prices-only-one-will-work-for-your-wallet/

richiemcgold:
I think European transfer window has closed, so I'm not looking in that direction. He's probably heading for Middle East

popp:
Why would the Mod hurriedly pushed this to the front page?

Let me crush some details....

The person you called an agent, if you didn't contact him, he wouldn't have talked to you. If you cannot pay for a service, why are you contacting someone to render such a service for you?

Secondly, agents DON'T shoot the price, they work in accordance with the Property owner. They can also advise the owners of the Properties as it is on the Market. That's valuation. There is nothing bad there. I am a Property agent in Portharcourt.

Such massive seven bedroom Duplex is not for everyone, so anyone that can afford it can also afford to pay the Professional charges involved.

You're chilling at the comfort of your zone, or you're very busy at your place of work or business, someone is running round to make things easy for you by looking for that Property that you want, why wouldn't you pay him with happiness?

Why are you calling the government? How many jobs have the government provided for her citizens? If government want to dive into the sector, let them build low cost houses everywhere for Civil Servants and low income earners, residents and what have you and make the price like a pea nut, then you can see how the force of demand and supply will push the price down.

However, the cost of accommodation is skyrocketing everywhere this time round, not just in Nigeria. You should have asked President Tinubu why he removed the fuel subsidy without putting in place the necessary measures that will remedy its negative effect.

The Nigeria economy has remained bare, it needs to be clothed.