JBBL (Jyoti Bikash Bank Ltd.) Smart Banking is a convenient and safe mobile banking service by the help of which you can get instant access to your accounts via Internet or GPRS and SMS on your mobile device.

JBBL Smart Banking offers a variety of features including but not limited to the following:

• Balance Enquiry
• Statement View and Download
• Loan and Fixed Deposit Information Merchant Payments
• Utility Payments such as Electricity, Telephone and Water Bills
• Electronic Top Ups and Recharge cards
• Credit card payment including other Bank's payment
• QR Enabled Payments for FonePay merchants and Inter Bank Fund Transfers
• Biometric Login Security
• Redesigned Account Dashboard with Graphical View of Account Activities
• Bank Account Transfers Within JBBL Bank and almost 50 other FIs
• ATM and Branch Locations
• General Information about JBBL Bank 

JBBL Smart Banking supports Internet/GPRS and SMS mode. In case of SMS mode a SMS will be pushed for every request and response will also be provided in SMS. For Internet/GPRS mode the request will be executed via Internet Connection (WiFi, GPRS/ 3G/ 4G). Hence, with the help of GPRS mode you can use it from anywhere around the world.

Any account holder of the Bank can register for JBBL Smart Banking by visiting nearest JBBL Bank?s branch. Once your user is created by bank you will get a SMS notification for activating your JBBL Smart Banking. You will then have to download the JBBL Smart Banking application and activate your account by choosing to login via ?Let?s Get Started? link and enter your mobile number and account number to receive OTP (One-Time-Password) on the registered mobile. Using this OTP, you need to set your Login Password and Transaction PIN to start using the services.

The combined annual charge for JBBL Smart Banking and Alert Service is NPR 200 only.

You can register by either visiting branch or self-registering.

Login Password is the password to login with Internet/GPRS Mode on your device. Upon login if you wish execute any financial services such as Fund Transfer, Topups, Payments, etc. you need to put you MPIN. Likewise, if you are using SMS mode you need to put the MPIN for every request.

No, you cannot use JBBL Smart Banking by using SIM other than the registered one in case of SMS mode. Whereas, in case of GPRS mode, same is possible however you are highly recommended to change your mobile number immediately requesting at any JBBL Bank's branch.

To avoid any unauthorized access, we store the IME ID of your mobile upon first login. Hence, JBBL Smart Banking cannot be used if the mobile device is changed or system is upgraded. In order to use JBBL Smart Banking from new device either you need request the Bank to reset your device or self reset your device by clicking ?Reset Device? option at the login page in the app.

Usually, the error message is generated if you are using a DUAL SIM mobile. In case of dual SIM mobiles, JBBL Smart Banking app sends message from your default SIM. Hence, you need to change your default SIM with the registered number in JBBL Smart Banking. If you are not able to set the default SIM from setting of your mobile then either change the slot of the SIMs or visit nearest JBBL Bank's Branch to change the registered mobile number to another.

As per the security policy of the bank, the Password/PIN of JBBL Smart Banking expires every 90 days in order to force customers to change their Password/PIN periodically. In the SMS mode, you need to go the Setting and change the Transaction PIN. Similarly for the password, you need to login with the existing password in the Internet/GPRS mode and then you need to change the password with the old password as the current existing password and the new password means the password which you intend to set.

A few things that you as a customer should keep in mind while using JBBL Smart Banking are: -

• The secrecy of your Login Password and Transaction PIN is your responsibility. Please do not share it with others. It is highly recommended that you memorize it and delete it immediately from your message inbox.
• Always use mobile banking apps available for your phone as the originating SMS will be encrypted when used with these apps. Always use the PlayStore for Android devices and Apple app store for iOS devices to download the apps.
• Change your Login Password and Transaction PIN on a regular basis.
• In case your phone gets lost, please contact us immediately to block the service to ensure unauthorized access is restricted.

If you are stuck at any point please call our mobile banking support unit at Head Office Kamaladi, Kathmandu from 10 A.M to 5 P.M or send an email at card@jbbl.com.np.

Telephone Number: 014425575

Email: card@jbbl.com.np

Domestic Visa Debit Card (Personalized and Instant).

The card is valid for 6 years.

JBBL Visa Debit Cards can be used in Nepal & India for cash withdrawal as well as POS purchase.

You can close the card anytime as per your wish. Rs.100 is charged for closing the card.

After the written application is submitted to the any JBBL branch, a new PIN will be generated within a week.

Rs.150 will be charged to re-generate the pin.

No, you can change the PIN for the first time from any of the NEPS member bank’s ATM.

We issue card for all individuals having single/ savings account with any branch of the bank excluding minors, joint and current account holders and who is completely illiterate (can’t do signature)

Instant card can be delivered instantly.

Personalized card will be dispached from Card Center withing 7 working day and time for delivery taken by courier will be additional.

You have to pay Rs.700 (Complete charge) or Rs.750 (Installment basis-250 every 2 year) for normal Card which will be valid for 6 years. (*subject to differ as per the offer provided to different Account)

Normal Visa debit card has customer name printed in the face of card and Instant card has INSTANT CARD printed in it in place of customer name. Instant card can be delivered to the customer instantly and can be used within an hour. Other facilities are same.

You can use your card up to 10 times not exceeding the total limit of Rs. 60,000/- in a day. You can withdraw maximum of Rs.20, 000/- in one transaction.

No, minor cannot apply for the card.

No! We don’t issue cards to Joint account holders.

You will receive an SMS when the card is delivered to your respective branch.

Please inform JBBL to block the card immediately. The Bank will issue the replacement of the lost/stolen card upon your written request with applicable charges (Rs.100 card block fee+ Rs.700 card replacement fee)

Please visit the nearest branch and submit the written complaint which includes your name, Account number, card number, transaction date, transaction amount, ATM terminal name, etc. The bank will verify the transaction and refund the amount.

In case of JBBL ATM, You have to visit the ATM branch same day with your valid ID card.

In case of other bank’s ATM, You have to get an application from JBBL with authorized person’s sign and stamp and visit the Bank (where your card is trapped) with the application and valid ID card.

Charge of Rs.30 will be applicable for each transaction (Inside Nepal). And Rs.250 will be charged for each ATM transaction in India. However JBBL a/c holders shall not be levied any charge for using JBBL ATM.

Yes

First, the card must be activated. Your card will be activated within 1 hours of the card delivery time (Office hour). In case of urgency, you can request your branch to activate the card urgently.

You will be asked to change PIN at the first attempt.

You can collect your statement from the bank that includes all the transactions made through the card. If you have activated mobile banking facility, you will get SMS as you do the ATM transactions.

Please don’t handover card to others and disclose your PIN number. The bank shall not be responsible for the use of cards by other un-authorized persons and any loss arising out of such transactions to you.

Charge of Rs.30 will be applicable for each transaction (Inside Nepal). And Rs.250 will be charged for each ATM transaction in India. However JBBL a/c holders shall not be levied any charge for using JBBL ATM.