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Smart Money Padala is a fund transfer service performed using the SMART Money menu (From a SMART Money account to another SMART Money account or a mobile number) or via keyword from SMART Money account to a SMART mobile number.


Card Application

  • Instant Card (applied in Smart Store) Php 100.00
  • Personalized Card Php 100.00
  • Replacement Fee Php 100.00 (debited from SMART Money account)
  • Dormancy Fee Php 50.00 (debited from SMART Money account)


Cash Limits

  • Card Balance Limit Php 50,000.00 (P100,000 for remittance accounts)
  • Wallet to wallet Transaction Limi Php 10,000.00
  • Max Amt Purchase/day Php 50,000.00


  • Via Smart Store Encashment 1% transaction charge (Maximum of P50,000.00)
  • Via Smart Menu
  • Balance Inquiry P2.50 (debited from airtime)
  • Internet Lock/Unlock P2.50 (debited from airtime)
  • Reload Money via MBS P2.50 (debited from airtime)
  • Reload Prepaid P2.50 (P1.00 load balance requirement)
  • Local Fund Transfer / Smart Money Padala P5.00 service fee for the first P1,000

**Additional PhP2.50 for every PhP500.00 increment(debited from Smart Money account)

  • Pay Bills P2.50 (debited from airtime)
  • Loyalty Points Inquiry P2.50 (debited from airtime)
  • Other Phone Transactions P2.50 (debited from airtime)

Banking Transactions & Fees:

  • Balance Inquiry BDO, BancNet, MegaLink, ExpressNet P2.50/ inquiry
  • ATMs w/ Cirrus Logo P25.00/ inquiry


  • BDO P5.00/ withdrawal
  • BancNet, MegaLink, ExpressNet P15.00/ withdrawal
  • ATMs w/ Cirrus Logo 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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