Works on any phone
Dial from any network. No smartphone, app or data bundle required.
USSD banking · coming soon
Manage your account from any phone: no smartphone, app or data bundle required.
What you'll be able to do
Your account, on any phone
- Check your savings, susu or shares balance
- View a mini statement
- Send savings to your Mobile Money wallet
- Top up your savings from Mobile Money
- Check your loan balance, repay a loan or check eligibility
The service is in development. The official shortcode, launch date and instructions will be announced at our branches, on this website and on our social media.
Full menu at a glance
How the menu is planned
Menu wording may change before launch.
Main menu ├─ 1 Check Balance │ ├─ 1 Savings Account │ ├─ 2 Susu Account │ └─ 3 Shares ├─ 2 Mini Statement ├─ 3 Send to Mobile Money │ └─ Network → Recipient → Amount → Confirm → PIN ├─ 4 Deposit from Mobile Money │ └─ Account → Network → Amount → Confirm → MoMo PIN ├─ 5 Loans │ ├─ 1 Loan Balance │ ├─ 2 Repay Loan │ └─ 3 Check Eligibility ├─ 6 Change PIN └─ 0 Exit
Good to know
Using USSD safely
Keep your PIN secret
SMDPCCU staff will never ask for your PIN by phone call, SMS or WhatsApp.
Sessions time out
A USSD menu closes if left idle. If that happens, simply dial again.
Two PINs for MoMo deposits
Your network sends a second prompt: approve that one with your MoMo PIN, not your SMDPCCU PIN.