Make more money with the bank that knows how.

Cellphone Banking

SME Banks’ Cellphone Banking can be linked with any personal transactional account, giving you access to a range of convenient features such as payments to your beneficiaries. SME Bank’s Cellphone Banking has NO registration costs, and NO monthly service fee, only transaction fees.

To register for Cellphone Banking please visit our Customer Service Consultants at your nearest SME Bank Branch. Once registered, you will receive a sms with the Registration details.
To complete the registration for Cellphone Banking please dial *140*430# or download the SME Bank app on your app store and follow the message prompts.


  • Balance Enquiry
  • Mini Statement
  • Funds Transfer
  • Prepaid Airtime Top-up
  • Prepaid Electricity


  • Dial *140*430#
  • Enter the registration code sent to you via sms or email.
  • Enter a 6 digit pin of your choice
  • Confirm the 6 digit pin
  • Enter a memorable word for authentication of financial transactions.
  • After registration, it will give the list of menus that you can transact from.
  • 1. Account Enquiries
    2. Bank Requests
    3. Funds Transfer
    4. Prepaid