How long will it take for my load to be funded in my Smiles Wallet?

Processing times depend on your loading method: ACH Transfer: Takes 1–3 business days. Debit Card: Loaded instantly.

How to Load via Debit Card - Smiles Mobile Remittance

Select one

If you’re a first-time customer

Verify account + load

How to

If it’s your second time to load

Load

How to

Verify account + Load

1. Tap “Load” and then “Debit card”

debit-card-verify-load--1b-choose-load-method

2. Enter your billing address details and tap “Proceed”

How to Load Smiles Wallet - Enter your billing address details. Tap "Proceed" to continue

3. Enter your debit card information and tap “Save card”

4. Tap “Complete verification”

5. Select your occupation and enter your annual income

6. Enter your address, select one of the PEP options and tap “Next” to proceed

7. Tap Verify account

8. Follow the on-screen instructions to complete ID verification

9. Your application has been received! Please wait for approval (no need to register again). *Verification may take 2-3 business days to approve

Load

1. Tap “Load” and then “Debit card”

2. Select one of your added debit cards or add a new one

How to Load Smiles Wallet - Select a debit card or add a new one

Smiles Tips!

Bookmark your saved debit card for faster future transactions!

How to Load Smiles Wallet - Smiles Tips! - Bookmark your debit card for faster loading

See details

3. Enter or select the amount you want to load and tap “Next”

Enter or select the desired amount to load

4. Confirm the details and tap “Load” to proceed

5. Confirm the Debit Card Authorization Form, check the box and tap “Confirm” to complete!

FAQs

No. You cannot use someone else's bank account or debit card to load your Smiles Wallet. The name on the bank account or card must match the name registered on your Smiles account.

No, you cannot directly withdraw money from your Smiles Wallet account. However, you can request a refund if you'd like to receive the remaining balance.

Please note that you will be charged a $5 processing fee. If you request a refund after the transfer is complete, the refund amount may vary depending on the exchange rate at the time of the refund.

Processing times depend on your loading method:

ACH Transfer: Takes 1–3 business days.
Debit Card: Loaded instantly.

The maximum balance for a Smiles account is $5,000. If your account already holds $5,000, you will be unable to load additional funds until a remittance is made.

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