2. THE WAY BANKING SHOULD BE
B U D G E T
A N D S AV E
S P E N D A N D
O R G A N I Z E
C O N V E N I E N T
S U P P O R T
S M A R T E R
B A N K I N G
3. Saving, budgeting, and spending in one place—
your account.
When your account helps you save and budget, it
can also help you spend smarter. Smart's Goals and
Safe-Spending work together to empower your
everyday financial decision-making.
S M A R T
S M A R T
PKR 450,000 Safe-Spending
B U D G E T
A N D S AV E
4. MAKE BIG THINGS HAPPEN A LITTLE EACH DAY
Set Goals And Save for Them
Goals help you balance regular monthly expenses, lifelong
dreams and everything in between.
iPhone 6+
50,000 saved of 75,000
Save over time – We put money aside
every day, and subtract that from your
Safe-to-Spend. When you're saving every
day, you'll be amazed how fast you reach
your Goals.
Summer Vacation Budget
40,000
Save it now — Want to make sure you
only spend a certain amount on
restaurants this month? Put it aside in a
Goal, and slowly draw from those funds
whenever you go out to eat
S M A R T
PKR 75,000
Available Balance
Sana’s Gift 40,000
iPhone 6
50,000
Summer Vacation 40,000
iPhone 6+
50,000 saved of 75,000
5. Save with ease, spend with freedom
“Current Balance” doesn’t tell the whole
story.
You should not have to get out a calculator to figure out if you can afford a
new pair of shoes or a nice dinner out. At most banks, “Current Balance”
shows you how much is in your account, but then you have to mentally
deduct your upcoming bills.
Safe-Spending does all the math for you by taking a balance and
subtracting upcoming bill payments, pending transactions, and any Goals
you’re saving for. With Safe-Spending, you get a more accurate picture of
what you can really spend today without hurting yourself tomorrow.
150,000
Current Balance Scheduled Payment
50,000
Available Cash
100,000
S M A R T
PKR 75,000
Safe-Spending
PKR 175,000
Available
PKR 15,000
In Goals
PKR 0
Scheduled
52
Card Swipes
ZEESHAN KHAN
6. We have re-imagined the banking basics.
You'll never miss your bank branch—there's
so much you can do right from your
computer, iPhone, or Android. Control of
your account is in your hands, wherever you
go.
BRANCHLESS IS BETTER
PKR 75,000
Available Balance
S M A R T
S P E N D A N D
O R G A N I Z E
7. Banking Built for Modern Age
We have re-thought all the features you’d want from a bank and made them smarter, less complicated and
available whenever you need them.
All your finances available in your pocket or on the web, whenever you need it.
4000 1234 1212 2121
S M A R T
The Smart Visa® Card – It all
starts here, and is connected to
your account. Spending on your
debit card is quickly reflected in
your account, and you'll get push
notifications, too.
ATMs – Over 1,700 surcharge-free
ATMs—the most in the nation. Find the
closest one with our iPhone and
Android apps.
Powerful Reporting – There's so
much information in each
transaction you make. Smart’s
powerful organization tools
automatically categorize, analyze,
and personalize your data so you
can see your spending come to life.
Photo Check Deposit –
Hate putting on pants? We
got you. Deposit a check
from your couch with Photo
Check Deposit.
Fazal Ahmad
S M A R T
8. Banking Built for Modern Age
We have re-thought all the features you’d want from a bank and made them smarter, less complicated and
available whenever you need them
All your finances available in your pocket or on the web, whenever you need it.
Smart Instant – Moving money
between Smart customers is easy
and free!
Pay Bills – Pay bills, rent, subscriptions,
and more. Set them up to automatically
reoccur, or send on-demand
External Transfers – Transfer funds
for free between Smart and any
account you own at participating
Pakistani financial institutions.
Mail a Check – Need a
good old fashioned check?
We'll print it, address it and
send it at no cost.
Sending money to
Kamran Haider
PKR 20,000
PKR 120,000
Last payment PKR 120,000
Saad
Mohsin
S M A R T
9. We have re-imagined the banking basics.
You know who you are talking to. Our
Customer Representatives are out there
online and on your mobile to help you with
your banking needs. No menus, no pitfalls
and no frustrations.
CUSTOMER SERVICE SMART
AND QUICK
PKR 75,000
Available Balance
Lost Card
29 May 2015
Hey Smart, I think I misplaced my card
somewhere at home.
Mohsin
I’d suggest blocking it from your Smart App,
so once you find it, you can unblock it from
there only.
Let me know if you need help with anything.
S M A R T
C O N V E N I E N T
S U P P O R T
10. Support with Speed and Kindness
Get support from a real person, quick.
Customer service isn’t an afterthought, it’s the core we will
do.
Urgent questions? Call us and we will pick up. Don’t need
an immediate answer? Message us and we will get back to
you or simply chat with us on our messenger app from your
mobile.
Call us today
111 – 111 – 425
OR Chat with us
Get help wherever you are
PKR 75,000
Available Balance
Lost Card
29 May 2015
Hey Smart, I think I misplaced my card
somewhere at home.
Mohsin
I’d suggest blocking it from your Smart App,
so once you find it, you can unblock it from
there only.
Let me know if you need help with anything.
S M A R T
11. S M A R T E R
B A N K I N G
Your financial data can tell you a story
Whenever you use your card to make a
purchase, your card transmits a whole bunch of
information about that transaction, including
location, time, tip, the type of merchant, and
more. Banks typically don't do much with this
data, but when you spend with Smart, we
harness it to help you budget automatically.
And it all happens instantaneously.
Make your financial data work for you. Get effortless
insight into your spending.
40,000
30,000
20,000
12. Remember more about each purchase. Tell a
story, jot down a phone number, rate your
dinner, or just snap a picture of your friends’
smiling faces.
Make it yours
PKR 75,000
Available Balance
Surprise lunch for
Ahmad Ali’s farewell
party. #lunch
#restaurant
Interactive Reports help you track your
spending over time. Break down your
spending by category and merchant. Use
what you learn to make yourself a smarter
spender, and track changes to your spending
habits over time. Sample queries:
"restaurants", "Utilities", "spent on #car",
"weekday lunch".
Learn about how you spend
415,000
69,000 179,000
2,600 0
