How to Convert Smart Postpaid to Prepaid

Short Answer:

To convert Smart Postpaid to Prepaid, make sure your account has no unpaid balance, bring a valid ID, and submit a conversion request at a Smart Store or through your Smart online account. The process usually takes 24 to 48 hours to complete.

Are you still paying monthly bills for a phone line you hardly use? The good news is that in 2026, you can easily switch from Smart Postpaid to Prepaid while keeping your existing number, thanks to the Philippines Mobile Number Portability (MNP) law. This makes the move cheaper, flexible, and completely commitment-free.

Many Filipinos prefer switching from postpaid to prepaid because it helps them manage their spending, choose promos that match their usage, and avoid the pressure of monthly bills.

Difference Between Smart Postpaid and Smart Prepaid

The difference between Smart Postpaid and Smart Prepaid mainly comes down to payment method, flexibility, and long-term commitment. Smart Postpaid involves a monthly billing cycle and a service contract, while Smart Prepaid allows users to load credit and activate promos only when needed.

Smart Postpaid – How It Works

Smart Postpaid operates like a subscription-based mobile plan. Users receive a fixed monthly bill that includes allocated calls, text messages, and mobile data. Most Smart Postpaid plans require a contract that typically lasts 12 to 24 months, which may include bundled services or device offers.

This option is suitable for users who want uninterrupted service, predictable usage, and do not want to worry about reloading credits regularly.

Smart Prepaid – How It Works

Smart Prepaid follows a pay-as-you-go system. Users purchase load whenever they choose and register for prepaid promos such as unlimited texts, call bundles, or data packages. There are no contracts, no monthly bills, and no long-term obligations, making prepaid a flexible and budget-friendly option. It is ideal for users who want full control over their mobile expenses and the freedom to choose promos that match their usage.

This difference is why many users choose to convert Smart postpaid to prepaid for better cost control and flexibility.

Why People Switch to Prepaid in the Philippines

Many Filipinos choose prepaid mobile plans because they offer better

Budget control: You only spend what you load, which helps avoid overspending and unexpected charges.
Flexibility: Prepaid users can select promos that match their actual needs, whether for data, calls, or texts.
No commitments: There are no contracts, fixed monthly payments, or penalties, giving users complete freedom.

Because of these advantages, prepaid remains a popular and practical choice for many mobile users across the Philippines.

Can You Convert Smart Postpaid to Prepaid Online?

Yes, it is possible to convert Smart postpaid to prepaid online. However, the request must meet Smart’s eligibility rules before it can be approved. Online conversion is available only for accounts that are fully compliant with Smart’s policies.

Smart’s Official Policy on Postpaid to Prepaid Conversion

Smart allows subscribers to switch from postpaid to prepaid as long as the account meets the following conditions:

No unpaid or outstanding balance
No active lock-in contract, or willingness to pay pre-termination fees

If your postpaid plan is still within the contract period, Smart may require you to settle early termination charges before processing the conversion.

Requirements Before Switching

Before submitting a conversion request, make sure you have the following ready:

A valid government-issued ID
Your Smart postpaid account number
Fully paid outstanding bills
Completed contract term, or agreement to pay any early termination fees

Meeting these requirements helps avoid delays or rejection.

Limitations and Important Conditions

Processing times may vary. In some cases, Smart may take a few working days to complete the request. If online verification is unsuccessful, you may be asked to visit a Smart Store for manual validation.

Once the conversion is complete, all postpaid plan benefits—such as bundled data, free calls, or special add-ons—will no longer apply.

Guide to Convert Smart Postpaid to Prepaid Online

The most convenient way to request conversion is through Smart’s official digital channels, including the Smart app, website, or customer support chat.

Step 01: Prepare Your Account Information

Before starting, gather the following:

Your Smart account number (found on your billing statement)
A valid government ID (passport, UMID, driver’s license, etc.)
Proof that your contract has ended or that you agree to pay termination fees
Confirmation that all outstanding balances are cleared

Step 02: Use Smart’s Official Online Platforms

You can submit your request through:

Smart App: Log in, go to account settings, and check plan change options
Smart Website: Visit the customer care section and look for plan conversion services
Smart Online Chat Support: Speak with a live agent and request postpaid-to-prepaid conversion

Step 03: Submit the Conversion Request

Complete the online form or inform the chat agent of your request.

Provide your account number, personal details, and upload a valid ID if required.

Step 04: Account Verification

Smart will review your account and verify your identity.

This may include contract checks, balance confirmation, and identity validation via SMS, email, or phone call.

Step 05: SIM or Number Transfer

Once approved, Smart will transfer your existing mobile number from postpaid to prepaid. In most cases, your current SIM will be reconfigured. Occasionally, Smart may issue a new prepaid SIM while keeping the same number.

Step 06: Confirmation and Activation

After processing, Smart will send a confirmation message.

Insert your SIM (or the new prepaid SIM if provided), load credits, and start using prepaid promos immediately.

Processing Time: Usually a few working days. If issues arise, Smart may request an in-store visit.

After processing, Smart will send a confirmation message.

Alternative Ways to Switch from Smart Postpaid to Prepaid

If online conversion is not possible, Smart offers other reliable options.

1. Visit a Smart Store in the Philippines

Visiting a Smart Store is often the fastest and most reliable method.

What to do at the store:

Bring a valid government ID and your Smart account number

Request postpaid-to-prepaid conversion
Obtain your Unique Subscriber Code (USC) by:
- Texting GETPIN to 7927 using your postpaid SIM, or
- Requesting the USC directly from Smart staff.

The USC is valid for 15 days and required for Mobile Number Portability.

Settle any unpaid bills or contract fees
Submit your ID, USC, and request form

The staff will either reconfigure your SIM or provide a new prepaid SIM with the same number.

2. Call the Smart Hotline

If you need assistance before proceeding, you can call 888 using your Smart number.

Choose the option to speak with customer support
Request postpaid-to-prepaid conversion
The agent will check your account and guide you on next steps

You may still be asked to submit documents online or visit a Smart Store for final verification.

3. Authorized Smart Centers and Retail Partners

Some authorized Smart retailers and partner outlets can assist with conversion requests.

Always confirm the outlet is officially authorized
Complex cases (contracts, unpaid balances) may still require a Smart Store visit

Tip: If you live in an area without a Smart Store, call the hotline first to confirm your nearest option.

Tips Before Switching from Smart Postpaid to Prepaid

Before making the switch, consider these important points:

Review your usage: If you consume heavy data monthly, prepaid may require frequent reloading
Check prepaid promos: Explore Smart prepaid offers in the GigaLife app
Clear all balances: Conversion will not proceed with unpaid bills
Back up your data: Save contacts and messages in case a SIM replacement is issued
Confirm contract status: Check for any applicable early termination fees

Conclusion

Switching from Smart Postpaid to Prepaid in 2026 is a practical choice for users who want flexibility and control over their mobile expenses. Prepaid allows you to choose when to load, which promos to use, and how much to spend without monthly bills or contracts.

Before converting, ensure your account is fully settled and your contract obligations are cleared. Exploring prepaid promos in advance can also help you choose the best option for your daily usage.If budget control and flexibility matter to you, Smart Prepaid may be a better fit for your lifestyle.

Read: Activate Smart SIM Guide
Read: How to Borrow Load in Smart
Read: Smart SIM APN Settings 2026
Read: How to Pasaload Smart and TNT

Frequently Asked Questions

Yes, you can apply for a prepaid plan again in the future. However, once your Smart postpaid plan is converted to prepaid, the original postpaid account is permanently closed. If you decide to return to postpaid later, your application will be treated as a new request, which means it will go through a fresh credit evaluation and approval process.

If your postpaid contract has already ended, the conversion is usually free of charge. However, if your plan is still within the lock-in period, Smart may require you to pay an early termination fee. The amount depends on your specific plan and how many months remain in your contract.

The Unique Subscriber Code (USC) is required for number portability. You can request your USC through the following methods:

Call Smart Customer Service by dialing *888 or contacting Smart’s official support channels
Visit a Smart Store, where the staff can request the USC for you as part of the conversion process

Once issued, the USC is valid for 15 days.

Yes. In most cases, Smart allows you to keep your existing mobile number when switching from postpaid to prepaid. Your number is simply reconfigured under a prepaid plan. In rare situations where a SIM replacement is needed, Smart typically ensures that your number remains the same.

Most Smart postpaid to prepaid conversion requests are completed within a few working days. If Smart detects any issues with your account such as verification or contract concerns you may be asked to visit a Smart Store for further assistance.

Once your conversion is approved and activated, all existing subscriptions will be discontinued. This includes remaining load balance, rolled-over data, GigaPoints, and any active add-ons or bundled services. After the switch, you will need to load your prepaid SIM and register for new prepaid promos.

How to Convert Smart Postpaid to Prepaid | Keep Your Number 2026