According to the SWA Admin, it takes 7 banking days to process your SWA Payout Request if your Payout Detail shows SMART Money.
Please note that for Smart Money, your 16-digit card number is required (NOT your Smart cellphone number).
Here are some tips for you…
How to Apply for a SMART Money Card
http://www1.smart.com.ph/help/money/article/2011/11/27/apply-for-personalized-smart-money-card
How to Use SMART Money Like An ATM Card
https://www1.smart.com.ph/Money/use/send-and-withdraw-money/atm-withdrawal/tutorial
SMART Money Padala Rates
https://www1.smart.com.ph/help/article/2013/10/31/smart-money-padala-rates
Don’t be surprised if the SWA Admin deducts the transaction fee (around 0.5 percent) from your SWA Payout request.
SMART Money Rates and Transaction Limits
http://www1.smart.com.ph/help/money/article/2011/11/27/smart-money-rates-and-transaction-limits
