Banking Made Simple

Register with just your phone number or use USSD on any phone. Deposit and withdraw anywhere in South Africa. No bank branches, no complex forms - just simple, secure banking for everyone.

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E-Smart

Available Balance

R 2,850.00

Deposit
Withdraw
Send
Buy

Why Choose E-Smart?

Experience the future of banking with our innovative, phone-first approach

Phone Number Registration

No lengthy forms or documentation. Simply register with your phone number and OTP verification.

USSD for Basic Phones

Don't have a smartphone? No problem! Use our USSD service by dialing *120*3274# on any phone to access your account.

Deposit Anywhere

Deposit money at spaza shops, Pick n Pay, Boxer, Shoprite, and many more locations nationwide.

eVoucher Withdrawals

Purchase eVouchers at local spaza shops and withdraw cash at any ATM, regardless of your bank.

Secure & Safe

Bank-level security with OTP verification and encrypted transactions for complete peace of mind.

24/7 Access

Access your money anytime, anywhere. Our platform works around the clock for your convenience.

Low Fees

Transparent, affordable fees with no hidden charges. More money stays in your pocket.

Universal Access

Works on smartphones, basic phones, and feature phones. Banking for everyone, regardless of device.

Multi-Language Support

Available in English, Afrikaans, Zulu, Xhosa, and other South African languages for easy access.

Deposit & Withdraw Options

Multiple convenient ways to manage your money

Cash-In (Deposit)

  • Bank Card
  • Ozow EFT
  • Pick n Pay
  • Boxer
  • Shoprite
  • Kazang Agent
  • MoMo Agent
  • Spaza Shop
  • Blu Merchant

Cash-Out (Withdraw)

  • EFT to Bank Account
  • All Banks ATM - eVoucher
  • Pick n Pay
  • Cash Express ATM
  • Kazang Agent
  • MoMo Agent
  • Spaza Shop
  • Blu Merchant

How E-Smart Works

Simple steps to start your digital banking journey

1

Choose Your Method

Download our app for smartphones or dial *120*3274# on any phone. Register using only your phone number and verify with OTP.

2

Deposit Money

Visit any participating spaza shop, Pick n Pay, or other partners to deposit money into your account.

3

Use Your Money

Send money, buy airtime, pay bills, or purchase eVouchers for ATM withdrawals.

4

Withdraw at Any ATM

Purchase an eVoucher at your local spaza shop and withdraw cash at any ATM in South Africa - no bank restrictions!

USSD Banking - No Smartphone Needed

Access E-Smart banking on any phone with our simple USSD service

How to Use USSD Banking

1

Dial the Code

On any phone, dial *120*3274#

2

Follow the Menu

Select from options like Balance, Send Money, Buy Airtime

3

Complete Transaction

Enter your PIN and confirm your transaction

E-Smart USSD

1. Check Balance

2. Send Money

3. Buy Airtime

4. Buy Data

5. Pay Bills

6. eVoucher

0. More Options

Reply with option number

E-Smart App Gallery

Explore our user-friendly interface designed for everyone

E-Smart

Welcome, John

Your balance: R 2,450.00

Deposit
Withdraw
Send
Airtime

Dashboard

Clean, intuitive home screen

Send Money

Send Money

Quick and easy transfers

eVoucher

ATM Withdrawal

Amount: R 500.00

Code: 1234567890

Valid until: 24 hours

eVoucher

ATM withdrawal codes

Bill Payments

Electricity

Eskom

Entertainment

DStv

Bill Payments

Pay all your bills easily

Buy Airtime
Vodacom
MTN
R25
R50
R100

Airtime & Data

Buy for any network instantly

Transaction History

Deposit at Spaza Shop

Today, 14:30
+R 200.00

ATM Withdrawal

Yesterday, 09:15
-R 500.00

Transaction History

Track all your activities

Settings
Profile Settings
Security
Notifications

Settings & Security

Manage your account safely

Get E-Smart Today

Join thousands of South Africans who have simplified their banking experience. Download our app or use USSD *120*3274# on any phone.

Download on Google Play Download on App Store

No smartphone? Dial *120*3274# on any phone

Register

Dashboard

R 1,250.00
Send Receive Buy