Using Smart Account online services and mobile app

You can access your Smart Account anywhere and anytime online and via your Smart Account App.

Using App – Online Account

Life doesn’t always happen on schedule. You need to be able to access your account to transfer funds, check your balances and confirm that transactions have happened while you are on the go and when you have a chance.



Get Ready!

Your Smart Account Welcome Pack will include your 10 digit User ID and instructions for how to create your 5 digit PIN. When you visit to register your online account, you’ll also receive an authentication code by SMS text – two step verification for your added security.

Get Set!

Now you can set up payees, create your Smart Wallets for budgeting and more.


Whenever you want, you can log onto your Smart Account to manage your money.

Here’s what you can do online with your Smart Account:

  • Make and receive payments via credit transfers
  • Accept direct debits
  • Transfer money to another account
  • Check your balance
  • Organise your funds with Smart Account Wallets
  • Setup account alerts
  • View your transaction history
  • Pay bills
  • Keep track of your monthly Smart MoneyBack

Smart Account App

Need to manage your money on the go? It’s easy.

Download the Smart Account App, and you can keep track of your finances wherever you are – on a train commuting to work, in a café waiting for a friend.

The Smart Account App is free. You can download it from the Apple App Store or Google Play Store.

You can register up to 4 mobile devices, ranging from mobiles to smart pads for your Smart Account. To register your devices, you will need to enter the same details you use to login to your Smart Account online into the App: your 10 digit User ID and PIN. You’ll then be asked to enter your mobile phone number and an App activation code will be sent to this number. Enter the App activation code into the App. Then create your Self-Select 5 digit App PIN. And that’s it! The next time you use the App you only need enter your Self-Select 5 digit App PIN.

Download SmartAccount app on Google PlayDownload SmartAccount app on the Apple Store