Revolutionizing banking for South Africa's mobile-first generation
At E-Smart, we believe that banking should be accessible to everyone, regardless of their location, device, or banking history. Our mission is to provide simple, secure, and affordable financial services that empower South Africans to take control of their financial future.
We've eliminated the barriers that traditional banks create - no minimum balance requirements, no lengthy application processes, no smartphone requirements, and no discrimination based on your banking history. All you need is a phone number to get started, whether on a smartphone or basic phone.
Serving Communities
To become South Africa's most trusted banking platform, making financial services accessible to every person with any type of phone - smartphone or basic phone.
We believe everyone deserves access to banking services, regardless of their background, location, or type of phone they own.
We implement bank-level security measures to protect our users' money and personal information.
We continuously innovate to provide the most convenient and user-friendly banking experience.
E-Smart is not just another banking app - we're a financial revolution
Our USSD service (*120*3274#) works on basic phones, feature phones, and smartphones. No internet required for basic banking.
Our eVoucher system allows you to withdraw money at any ATM, regardless of which bank operates it. No more searching for your bank's ATM.
We work with local spaza shops and merchants, keeping money flowing in your community while providing convenient access points.
Built for all mobile users, our platform works on smartphones with intuitive interfaces and on basic phones through USSD menus.
No hidden fees, no monthly charges, no minimum balances. You only pay for the services you use, with clear pricing displayed upfront.