Jyoti Smart

Jyoti Smart is an omni channel mobile banking app offered by Jyoti Bikash Bank. It enables JBBL customers to perform any banking transaction whenever they want, from anywhere, by logging in through the mobile application or web browser. This mobile banking service includes exciting features on the go such as statement view, transaction alerts, fund transfer, bill payments, wallet load, cardless withdrawal, and much more.

Features of Jyoti Smart

Graphical Statement and Account Dashboard
Account Statement Inquiry
Real-time alert
Personalized QR Code
Biometric Login Security using Fingerprint for both Login and Transaction Pin.
Funds transfer to any customer’s account within the bank.
Interbank fund transfer through Fonepay or Connect IPS
Scan to pay to all Fonepay, Nepalpay, SmartQR merchants
Mobile Top up viz. NTC Prepaid/Postpaid, Ncell Prepaid/Postpaid, NT Landline, ADSL
Load eSewa, Khalti, IME pay
Bill payments of Electricity/Water/Internet/TV/Airlines/Credit Card /Movie Ticket/Education Fees/Government Revenue/Capital & Broker Fee/etc.
Easy to navigate Bank's Branches/ ATMs
Foreign Exchange Rate inquiry.
Banking services without internet (SMS Banking)
Customer care support and contact details
Lodge a digital banking transaction dispute or any type of problem.

Transaction Limits

For Mobile app
Features	Per Transaction	Per Day	Per Month
Payments	100,000	300,000	1,000,000
Send Money (Same bank)	100,000	300,000	1,000,000
Send Money (Other Banks)	100,000	300,000	1,000,000
Wallet Load	50,000	200,000	1,000,000
Connect IPS Transfer	200,000	200,000	-
For web browser
Features	Per Transaction	Per Day	Per Month
Payments	1,000,000	2,000,000	5,000,000
Send Money (Same bank)	1,000,000	2,000,000	5,000,000
Send Money (Other Banks)	1,000,000	2,000,000	5,000,000
Wallet Load	50,000	200,000	1,000,000
Connect IPS Transfer	1000,000	2,000,000	5,000,000

Inter Bank Fund Transfer charges

Within JBBL accounts (same bank fund transfer)

Free

Fonepay Charges
Transaction Range (NPR)	Charges
1 - 3,00,000	NRs. 10/- per transaction
Connect IPS Charge
Charge Slab	Amount
1-500	Rs. 2
Above 500 to 5,000	Rs. 4
Above 5,000	Rs. 8

Mobile Banking Charges & Fees

Registration /renewal Fee	Rs.250
Password Reset Fee	Rs. 50 (self-initiated free)
Validity of the Service	1 year
Block Charge	Rs.100
Unblock Charge	Rs.50
Mobile number modification	Rs.500
Account Linkage Charge	Rs.50 (same client code)

Procedure to Register to Mobile banking of Jyoti Bikash Bank

Visit nearest branch and fill-up the application form.
Or, download the Jyoti Smart app and follow the self-registration process.

Get the same mobile banking experience in web browser via: https://jyotismart.jbbl.com.np/

Download Jyoti Smart App

Google Play

App Store

Please contact us for any Mobile Banking related support to:

DB-Operation Unit
Jyoti Bikash Bank Limited
Corporate Office
Kamalpokhari-01, Kathmandu, Nepal
Phone: 01-5970306/307 Email: card@jbbl.com.np
Or
Jyoti help desk
Phone: 01-4525575
Mobile number: 9802314440 (WhatsApp/Viber)
Email: crm@jbbl.com.np

Quick & Easy Access