Is Smart Money Pera Padala better than other Money Transfer Services?

Question: Is Smart Money Pera Padala better than other Money Transfer Services?

Answer:

Actually, the answer is yes or no. It depends on the availability of the Smart Money users who will receive the money you sent through the Smart Money – Pera Padala.

Sending money to your loveones through the Smart Money will be done either of the following ways:

Smart Wireless Center to Smart Wireless Center

Just visit the  Smart Wireless Center near you and then tell your loveones to go to the nearest Smart Wireless Center. Then fill-up the form and let the Smart Wireless Center people to send the money to your loveones through the Smart Wireless Center they’re in. So, you and your loveones will pay the sending charges and the receiving charges, respectively.

Usually, the sending charge and the receiving charge is PhP10.00 of every PhP1,000 which is of course more cheaper compared to when sending money through the LBC Pera Padala, MLhuillier Pera Padala, Cebuana Lhuillier Pera Padala and other money transfer services.

Your Own Smart Money to Smart Wireless Center

This time, you have your own Smart Money and that you can access your bank account through your  Smart mobile phone.

First, you need to reload your Smart Money the amount you need to send to your loveones. Of course the money you reloaded to your Smart Money came from your bank account of which your Smart celphone has the access.

Then, tell your loveones to visit the nearest Smart Wireless Center. And then send the money using your own Smart Money to the Smart Wireless Center where your loveones are in.

With this, you don’t have to pay anything. But your loveones will pay the PhP10.00 of every PhP1,000.00.

Your Own Smart Money to Other Smart user’s Smart Money

Just like what you did above, you need to reload your own Smart Money the amount you need to send to your loveones.

Then tell your loveones to visit a Smart Money user near them who offer a Pera Padala services. Then send the money to the Smart Money of that person.

With this, you will pay nothing but your loveones will pay (usually) PhP30.00 of every PhP1,000.00.

Other Smart user’s Smart Money to Another Smart user’s Smart Money

This time, you need to find a Smart Money user who could send money. Usually, you would pay 30% of the amount you’ll send. And just like what has been described above, your loveones will pay PhP30.00 of every PhP1,000.00.

Note

You can also send the money from your own Smart Money to the Wireless Center near your loveones. You will pay nothing while your loveones will pay PhP10.00 of every PhP1,000.00 you sent.

If you have questions, feel free to ask. Send the question to us by using this form.

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Make Your Cellphone Your Wallet

Did you know that your cellphone can now be your wallet?

Yes! And for 1 year already, I avoided the hassle and worries in bringing with me a lot of cash, especially during my Honta XRM trip to my hometown (Oteiza, San Agustin, Surigao del sur) or to any other places. Wherever I go, I only bring with me few cash for food and for other personal needs, and the rest of my money are intact at my Metrobank ATM account. And if I need to withdraw cash, I only get my SMART cellphone, do some clicks and then, get some money.

How to make your cellphone your wallet?

Well, making your cellphone as your wallet needs you to do 2 steps.

  1. Enroll your bank account to mobile banking with SMART.
    I have an ATM account at the Metrobank Maasin branch. Metrobank offers mobile banking which is partnered with SMART Philippines. So, once you enroll your account into mobile banking, your SMART cellphone will now contain a mobile banking menu, and will became capable in transferring funds from your ATM bank account to your SMART Money or from one bank account to the another. However, you should take note that these bank accounts should be all enrolled to mobile banking for you to be able to transfer funds from one bank to the other.
  2. Register your SMART Money.
    You can actually register your SMART Money through your cellphone. However, to give you the capability to send and receive money, you need to customize it and pay PhP200.00 service charge at any SMART Wireless centers.

How to use your Cellphone as Wallet?

There’s a lot of ways on how to use your cellphone as your wallet. Few of these are:

  1. Pay your Bills
    I am not really sure if you can use your cellphone in paying your MERALCO, PLDT, BayanTel or any other bills because I haven’t tested it yet. However, I am using my cellphone in paying my hosting bills with the NOKIAHost. To let you know, I have websites being hosted by the NOKIA Hosting Solution. And every time I renew my accounts, I only send my payment into its SMART Money account. Thus giving me ease in paying bills.
  2. Send Money to your Loveones or friends
    My fiancee is not yet connected with the Department of Education, instead with the local government of Marihatag (Surigao del sur) and she’s earning more or less PhP3,000 per month. She’s actually having the hard time budgeting her income especially that her assignment is too far from her home. To help her cope her school assignments and activities, I give her allowance of PhP2,000 per month. And sending her her allowance is just on the tip of my finger. With just few clicks on my SMART cellphones, her allowance is already at her hands.
  3. Reload your cellphones with prepaid loads
    And one more advantage having your wallet cellphone is you can send prepaid loads to any SMART cellphones.

Just like what I said above, these 3 ways of using your cellphone as your wallet are just few of the uses that you might enjoy with your SMART cellphone. For more information about it, please visit the SMART Money page.

Read my write-up about Smart Bro Wireless Internet.