Thursday, August 2, 2012

G-Cash Vs. Smartmoney



Since GLOBE telecome - G-Cash rate is bigger than usual, most of some online sellers are looking for other options how to maximize their payment options.


WHY O WHY??


SMART Money lets you perform transactions anytime, anywhere—just by using your Smart or TNT mobile phone! Since the SMART Money menu is available in all SMART and TNT mobile phones – all you need to do is select your preferred transaction! Pay bills, reload airtime, or send money anytime, anywhere, through simple, menu-based transactions. No need to memorize keywords or transaction codes. It’s that easy!


Feel secure every time you use SMART Money. With its award-winning lock / unlock feature, you can shop online without worrying about online fraud. Also, you’re sure to be the only person to use your account because you will be asked to input your personal PIN every time you use your SMART Money. What’s even better is that you will receive text notifications every time you perform a transaction.

SMART Money is also a recognized partner of two reputable financial institutions, Banco de Oro and MasterCard, including top remittance companies with 95,000 partner agents worldwide and 15 partner banks nationwide. So with SMART Money, you are assured that everything is done in compliance to the highest industry standards for security!


All you need is one (1) valid ID and a one-time application fee and you’re all set to get SMART Money! Apply now for your SMART Money through:
SMART Money Online Application Form
Any SMART Store nationwide
BDO Branch nationwide




Besides from G-cash, and mobile banking, SMART MONEY is the other option.

>LBC, Ml Kwarta, Cebuana, has its fix rate.




Smartmoney is also known as Easy money mobile banking. The functions is also like G-cash.




Receive money through - BDO bank DIRECT. Smartmoney PERA PADALA, Smartmoney retailers agent.




RATE?

The old rate is oly 2.50. But now its 5PHP Vs 20PHP of GLOBE! hahahah




SMARTMONEY ATM CARD: (Personalized Card)

It's like G-cash Card, Easy as 1,2,3. Go to Smartmoney centers, (SMART), Apply for Smartmoney PERSONALIZED CARD. Expiration is 1-2 years and AUTO Delivery of NEW CARD when expires.

3-5 days process after filling up the forms. ID, and 130 or 160 for the CARD PAYMENT. Same as G-cash you will pay 100 or 150 pesos (I can'tremember heheh)




Smartmoney EASY CARD

Expire only 3 months! you will get it in a minute! but not PERSONALIZED :)

So why would you get easy card, while you can wait 3-5 days = 1-2 years expiration? :)




BDO and Smart Tie-up.

You may reload your Smartmoney trough BDO banks. NO FEES to be collected. :)




Smartmoney ATM Withdraws:

For BDO banks, i guess 5 pesos will be collected on your account. But for the other ATM machines, it may depends on the rate of the BANK.










How to Set Up SMART Money





First, you need to get your 16-digit SMART Money Account Number. To do this, type MONEY in your mobile phone. Send to 343.







You'll get a message asking you to create a 6-digit W-PIN. Your W-PIN is a 6-digit numerical code that will serve as your password each time you make a Smart Money transaction using your cellphone. Type your desired 6-digit W-PIN.



When prompted, re-type your 6-digit W-PIN. Reminder: It should be the same W-PIN as the one indicated previously. Choose "Get Account" and press OK





Choose Banco de Oro and press OK. You will get a text message with your new 16-digit SMART Money Account Number. Sample Acct No.: 5299671234567890.





Click on the "Sign Up" button found onthis page. This will bring you to the application form. Provide the details requested, including your 16-digit SMART Money Account Number





Accept the Terms & Conditions then Click "Activate"to complete your registration. Wait for a phone call from a Smart representative to verify your application. The representative will arrange for you to pick-up your SMART Money Card at your preferred Smart Store location.





Upon pick-up at your chosen Smart Store, submit one valid photo ID and pay a one-time processing fee of P120





Your SMART Money Account is at its most powerful and useful when you link your SMART Money card to your mobile number! To find out how to do this, click here.












SMART Money rates and transaction limits




Card Fees



Card Application


Instant Card (applied in SMART Store)


Personalized Card


Replacement Fee


Dormancy Fee






Php 100.00


Php 120.00


Php 100.00 (debited from SMART Money account)


Php 50.00 (debited from SMART Money account)


Limits



Cash Limits


Card Balance Limit


Wallet to wallet Transaction Limit


Max Amt Purchase/day






Php 50,000.00 (P100,000 for remittance accounts)


Php 10,000.00


Php 50,000.00


Fees


Via SMART Store Encashment

1% transaction charge (Maximum of P50,000.00)



Via SMART Menu


Balance Inquiry


Internet Lock/Unlock


Reload Money via MBS


Reload Prepaid


Fund Transfers


Pay Bills


Loyalty Points Inquiry


Other Phone Transactions






P2.50 (debited from airtime)


P2.50 (debited from airtime)


P2.50 (debited from airtime)


P2.50 (P1.00 load balance requirement)


P5.00 (debited from airtime)


P2.50 (debited from airtime)


P2.50 (debited from airtime)


P2.50 (debited from airtime)



Banking Transactions & Fees:


Balance Inquiry BDO, BancNet, MegaLink, ExpressNet


ATMs w/ Cirrus Logo






P2.50/ inquiry


P25.00/ inquiry



Withdrawal


BDO


BancNet, MegaLink, ExpressNet


ATMs w/ Cirrus Logo






P3.00/ withdrawal


Php 12.00/ withdrawal


P200.00/ withdrawal



Statement of Account Request


P25.00 (debited from account) for regular accounts


P50.00 (debited from account) for trade (retailer/dealer) accounts


P50.00 (debited from account) for Dealer SOA



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