SMARTY — Smarty Bank Charge Explained

SMARTY on your bank statement is a transaction descriptor for Smarty, a telecom company. SMARTY is a budget SIM-only network using Three's infrastructure, with simple, flexible monthly plans. A recurring charge is your monthly plan, a fixed amount you can adjust.

What Is the SMARTY Charge?

SMARTY is a transaction descriptor for Smarty, a telecom company.

SMARTY is a budget SIM-only network using Three's infrastructure, with simple, flexible monthly plans. A recurring charge is your monthly plan, a fixed amount you can adjust. It typically appears as SMARTY or SMARTY MOBILE on your statement.

This code appears on your bank statement because banks display a short payment reference — set by the merchant's payment processor — rather than the company's full trading name. The code SMARTY is the official identifier that Smarty registered with Visa or Mastercard.

Is the SMARTY Charge Legitimate?

Smarty is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, check your email for a receipt or log into your Smarty account to review recent activity.

How Do I Cancel or Dispute a SMARTY Charge?

  1. Identify the charge: Confirm the charge is from Smarty by checking your email for a receipt or logging into your account on their website.
  2. Cancel your subscription: If you no longer want the service, log in to Smarty and cancel your subscription through account settings before the next billing date.
  3. Contact the merchant: If you do not recognise the charge, contact Smarty customer support and ask for an explanation and refund.
  4. Dispute with your bank: If the merchant does not resolve the issue, call the number on the back of your card and ask to raise a chargeback on the SMARTY transaction. Provide the transaction date and amount.
  5. Section 75 rights: If you paid by credit card and the amount was over £100, you may have additional protection under Section 75 of the Consumer Credit Act 1974.

What Other Names Does Smarty Use on Bank Statements?

Smarty may also appear on your statement as:

Frequently Asked Questions About SMARTY

What is SMARTY on my bank statement?

SMARTY is a bank statement transaction code for Smarty, a telecom company. SMARTY is a budget SIM-only network using Three's infrastructure, with simple, flexible monthly plans. A recurring charge is your monthly plan, a fixed amount you can adjust. It typically appears as SMARTY or SMARTY MOBILE on your statement. This descriptor appears because banks display a shortened payment code instead of the full company name.

Is SMARTY a scam?

Smarty is a well-known, legitimate company. Most charges from this merchant are authorised and relate to purchases or subscriptions you signed up for. If you don't recognise the charge, check your email for a receipt or log into your Smarty account to review recent activity.

Why is SMARTY on my bank statement?

SMARTY appears on your statement because Smarty processed a payment through their card payment provider. The code is set by their payment processor and is the official descriptor registered with Visa or Mastercard. Common reasons include a subscription renewal, a one-off purchase, or a trial period that has converted to a paid plan.

How do I cancel SMARTY?

To stop SMARTY charges from appearing on your statement, you need to cancel your Smarty subscription or account. Log in to the Smarty website, go to your account settings, and cancel your subscription. If you cannot find the cancellation option or do not recognise the charge, contact your bank to dispute it and block future payments.

How do I get a refund for a SMARTY charge?

If you believe you have been charged incorrectly by Smarty, first contact their customer support to request a refund. If they are unresponsive or unhelpful, contact your bank and ask to raise a chargeback. You typically have up to 120 days from the transaction date to raise a chargeback claim. For credit card purchases over £100, you may also be protected under Section 75 of the Consumer Credit Act.

For more information about Smarty and all its known transaction codes, visit the Smarty merchant page.