Patent-approved SMD Gateway technology

Recharge your bank account, not your airtime.

Buy a Safemonie voucher from any agent or provision shop, just like a recharge card. Dial the code and your bank balance is credited instantly, no app, no smartphone, no bank branch.

Generate my dial code Find a voucher agent
Deposit voucher
Denomination
₦10,000
Voucher number
•••• •••• •••• 7042
Dial to redeem
*388*PIN*058*0123456789#
200+
Agent and dealer locations
₦18M+
Vouchers redeemed
8
Voucher denominations
99.9%
Redemption uptime

How it works

Four simple steps to recharge your bank balance. No app to download, no internet required.

Step 1

Buy a voucher

Purchase a Safemonie voucher card in your chosen denomination from any agent or provision shop.

Step 2

Scratch to reveal

Scratch the hidden panel to reveal your unique voucher number, kept secret until redemption.

Step 3

Dial the code

Dial our USSD code followed by the voucher number, your bank code, and your account number.

Step 4

Instant credit

Your bank balance is recharged instantly for the full voucher value. Done.

Dial code generator

Turn your voucher into a dial code

Select your bank, enter your account number and voucher number. We build the exact code to dial.

1

No banks found

2
3

Check the number on your card.

Your dial code

Ready

Voucher value

Dial code sent to your phone

1

Confirm the call

2

Wait for the USSD pop-up

3

Check your SMS for the confirmation

Scan voucher code

Become a Safemonie agent

Stock Safemonie voucher cards from ₦100 to ₦100,000 in your shop and earn commission on every card sold. Join agents and dealers bringing financial access to their communities.

  • Earn commission on every voucher sold and every cash-out you pay
  • Buy voucher batches directly in the Agent Portal
  • Simple onboarding, no technical skills needed
Apply as an agent
Voucher

₦10,000

Voucher

₦1,000

Voucher

₦20,000

Built on trust and security

Every voucher and transaction is protected so you can transact with confidence.

Single-use encrypted vouchers

Every voucher number is encrypted and can be redeemed exactly once.

Verified agents only

Every agent and dealer is vetted and registered before selling Safemonie vouchers.

Fully compliant

Strict regulatory guidelines with an audit trail on every batch.

Ready to make cash access effortless?

Find your nearest Safemonie agent today, or dial *388# to begin.

Find an agent near you