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?

A charge from this merchant may relate to a purchase, subscription, trial or another transaction. Only you and your bank can confirm whether a payment was authorised. It may help to 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 this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.
  4. Contact your bank: If the merchant does not resolve the issue, contact your bank or card issuer using the number on the back of your card. They can explain what options may be available and what information they need.

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?

A charge from this merchant may relate to a purchase, subscription, trial or another transaction. Only you and your bank can confirm whether a payment was authorised. It may help to 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?

If you do not recognise this entry, contact your bank or card issuer and ask them to confirm the transaction and merchant details. Only you and your bank can confirm whether a payment was authorised.

How do I get a refund for a SMARTY charge?

If you cannot resolve this with the merchant, contact your bank or card issuer. They can explain what options may be available for this type of payment and whether any time limits apply.

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