Smega Mobile Money
Smega
Smega is a Mobile Money wallet that is stored on your mobile phone and enables you to make quick and easy financial transactions anytime, anywhere for your convenience. All you need is a BTC Mobile number and a valid identification document to open you Smega account.
What can I do with Smega?
- Buy Airtime & Data
- Transfer money
- Open a Motshelo Club Savings Account
- Buy prepaid electricity
- Pay DStv subscriptions
- Get a Visa Prepaid Card
- Pay our wages & salaries (for businesses and corporates) – Contact us at Smegaenquiries@btc.bw for more information
Smega Card Service Fees
Get your Visa Card today at your nearest BTC store or authorised dealer.
| Smega Visa Card Fees | |
| Card Retail Price | P35.00 |
| ATM cash withdrawal (Local) | P7.12 |
| ATM cash withdrawal (International) | P30.53 |
| POS payment (Local) | P2.04 |
| POS payment (International) | P12.21 |
| Online/eCommerce Transactions | P2.04 |
| ATM Balance Enquiry | P5.08 |
| Mini Statement | P4.07 |
Card Registration & Activation
Card Registration:
Pre-requisite: Customer should be registered for Smega and be fully KYC compliant.
Card Activation:
Customer USSD Services:
1. Subscriber dials *173#
2. Select “Card services”.
3. Select “Activate card”.
4. Select card mapped to your account
5. Enter last 4 digits of your physical card.
6. Enter nick name for card (4 characters only).
7. Enter 1 to confirm.
8. Card activation successful, customer receives sms.
Wallet PIN Change
1. Dial *173#
2. Enter your current PIN to access wallet
3. Select Option 1: My Account
4. Select option 3: PIN Change
a. Enter new PIN
b. Confirm new PIN
5. PIN Changed successfully
Smega Service Fees
Cash Out Transaction
| Transaction Range | Fee (BWP) |
| 1-125 | 6.11 |
| 126-250 | 8.14 |
| 251-500 | 13.23 |
| 501-1000 | 23.41 |
| 1001-2000 | 46.82 |
| 2001-4000 | 93.64 |
| 4001-6000 | 93.64 |
| 6001-10000 | 93.64 |
Money Transfer To Non-Registered Transaction
| Transaction Range | Fee (BWP) |
| 1-125 | 6.11 |
| 126-250 | 8.14 |
| 251-500 | 13.23 |
| 501-1000 | 23.41 |
| 1001-2000 | 46.82 |
| 2001-4000 | 93.64 |
| 4001-6000 | 93.64 |
| 6001-10000 | 93.64 |
Money Transfer (BTC to BTC - Wallet to Wallet) Transaction
| Transaction Range | Fee (BWP) |
| 1-125 | 5.09 |
| 126-250 | 5.09 |
| 251-500 | 5.09 |
| 501-1000 | 5.09 |
| 1001-2000 | 5.09 |
| 2001-4000 | 5.09 |
| 4001-6000 | 5.09 |
Bill Payments Transaction
| Service Type | Fee (BWP) |
| BTC PostPaid | 4.07 |
| WUC | 4.07 |
| Prepaid Electricity | 4.07 |
International Money Transfer Fee
| TRANSACTION RANGE (BWP) | TRANSACTION FEE (BWP) |
| 50-500 | 25.00 |
| 501-1000 | 40.00 |
| 1001-2000 | 60.00 |
| 2001-10000 | 80.00 |
Merchant Payment Rates
| SERVICE | TRANSACTION FEE (BWP) |
| Penrich Pay | 4.01 |
| DSTV | 5.00 |
| Kgare Insurance | 4.07 |
| WUC | 4.07 |
| Karabo Funeral Plan | 0 |
| Botswana Life | 4.07 |
| Smega Loan | 4.07 |
| FSG | 4.07 |
Where do I register for Smega?
Open a Smega Mobile Money account today at your nearest BTC store or authorised dealer. Bring your valid identification document (Omang for Batswana and Passport for foreign nationals)
Smega International Money Transfer
Send & Receive Money using BTC SMEGA Mobile Money to and from Zimbabwe (EcoCash), Zambia(MTN/Airtel), Ghana(Tigo/Airtel), Kenya(Mpesa), Malawi(Airtel), Mozambique(MPesa). Dial *173# to use this service.
Karabo Funeral Plan – Hollard
Karabo Funeral Cover is a product focused on providing funeral assurance cover that entitles a promised amount and or benefit determined by the Policy Package to be paid out in the event of death of your death or the death of a loved one covered by Karabo Funeral Cover.
Karabo Funeral Cover will provide financial assistance to your family in the event of your death or the death of a loved one covered by Karabo Funeral Cover.
Download & Review our Product FAQs
Smega Quick Loans
Smega Instant loan is a short term real time, affordable and safe micro loan for eligible Smega customers.
Buy Motlakase with Smega & Win
- The Promotion is open to all customers aged 18 years and above
- The Competition is open to all BTC Smega Customers. 3.
- Foreigners should have a valid passport and resident permit. 4.
- To qualify for entry participants must.
a. Be KYC compliant.
b. Active on the Smega Mobile Money Platform
c. Purchase Prepaid Electricity using the Smega Mobile Money platform through all it’s valid commercial channels including USSD during the campaign period
5. Each qualifying transaction grants the customer one (1) entry.
6. No manual entry is required.
7.Employees of BTC, its agencies, or any partners directly involved in the Competition are not eligible for this promotion.
8. Customers who are suspended, barred, or in breach of service terms at the time of prize allocation are not eligible for this promotion.
8. By entering the Competition, participants agree to these Terms & Conditions.
10. The Competition runs for six (6) consecutive months, starting on the 21st October 2026 and ending on 8th April 2027. The final entry period ends on 6 April 2027 at 23:59hrs. Any qualifying transaction completed after this cut-off will not be considered for the final draw.
11. Each month includes:
a. Bi-weekly prizes- Winners will be selected biweekly, with five (5) winners selected at the end of every two (2) weeks for the first 12 weeks of the competition.
b. Four (4) week prizes -Ten (10) winners will be selected at the end of every 4 week period covering the of January, February, March and April.
12. Customers may only win once during the campaign period and will be excluded from all subsequent draws once selected as a winner.
13. Winners will be selected through a verified randomised draw process from all eligible entries received during the respective draw period.
14. All prizes will be credited via a meter number that is submitted by the verified winner.
15. Prizes are not transferable, refundable, or exchangeable for alternative rewards.
16. Winners will be notified via Call, social media or verified BTC official communication channels within 24hours after the draw.
17. BTC shall make at least three (3) attempts to contact a winner via telephone and exhaust all other reasonable means of communication. Where a winner cannot be contacted or fails to claim the prize within three (3) months from the date of first notification, the prize shall be forfeited, subject to the approval of the Gambling Authority, and may thereafter be awarded to the next eligible winner.
18. Customers may opt out by dialing *180# > 7 > 6 > 1.
