Dhaka Blooms In A Color.......
Dhaka City has a new looks as full bloom of various spread colors in the capital.
শুক্রবার, ২০ মে, ২০১১
Dutch Bangla Bank Mobile Banking (Banking besides your Door)
DBBL Mobile Banking at a glance
Banking for the unbanked
What is Mobile Banking?
Mobile Banking is a Banking process without bank branch which
provides financial services to unbanked communities efficiently and at
affordable cost. To provide banking and financial services, such as
cash-in, cash out, merchant payment, utility payment, salary
disbursement, foreign remittance, government allowance
disbursement, ATM money withdrawal through mobile technology
devices, i.e. Mobile Phone, is called Mobile Banking.
Benefits of Mobile Banking
By providing electronic access to money, it is possible to ultimately
alleviate poverty, because of the following reasons.
Real time on-line banking
Available anytime, anywhere throughout the country
It is convenient, affordable and secure
It is much more effective in developing savings habits
It will make access to banking and advanced payment
transactions at affordable cost
It is much safer, speedy and safeguard against fraudulent
transactions
What does DBBL Mobile banking offer?
Customer Registration
Cash-in (cash deposit)
Cash-out (cash withdrawal)
Merchant Payment
Utility Payment
Salary Disbursement
Foreign Remittance
Air-time Top-up
Fund Transfer
Where to register?
Customer can register at any authorized agent point of DBBL - at
present these are the retailers of Citycell & Banglalink throughout the
country who can display ‘DBBL Agent Certificate’ and ‘DBBL Mobile
Banking Banner’.
How does it work?
Customer fills up the KYC Form and submit to agent
along with his photograph & National ID (NID)
Agent checks the Application Form, photograph & NID
Agent goes to Customer Registration Menu in his/her
mobile and insert customer’s mobile number
Customer receives a call through IVR or USSD prompt
and in reply, s/he gives a 4-digit PIN number of his/her
choice (please remember your PIN)
A Mobile Account is created in the DBBL system which is
his/her mobile number + one check digit
Customer receives an SMS which contains his/her Mobile
Account number (please remember your check digit)
Why PIN is required?
PIN is required to be inputted during cash withdrawal from an Agent
or DBBL ATM. PIN ensures security of your money and protect
fraudulent transactions.
Why PIN is strictly confidential?
PIN is the key for transaction of Mobile Banking. Only correct match
of PIN & Mobile Number can access the Mobile Account. PIN is
needed to verify the A/C owner by the system. If a PIN is disclosed,
respective account is at risk; therefore, PIN should be handled very
carefully.
Why Check digit ?
Mobile number is public and known to many people. Without knowing
your check digit, none will be able to deposit money at your account,
thus it helps to keep your mobile account confidential. On the other
hand, a check digit eliminates typing error, thus protects sending or
depositing money to a wrong account.
Which Telco’s Mobile can be registered?
Customer having any mobile from any Mobile Operator can be
registered for DBBL Mobile Banking at any agent point of Banglalink
and Citycell. All these Mobile Account holders will be able to deposit
and withdraw money from the Agents. However the customers having
mobile from operators other than Banglalink and Citycell will not be
able to initiate many self-initiated services like Balance checking, fund
transfer, utility payment, Air-time top up, PIN Change etc. Customers
having mobile from Banglalink and Citycell will be able to enjoy all the
services – agent-initiated as well as self-initiated.
What type of Mobile set is required?
Any type of mobile set can be used for DBBL mobile banking.
How much initial deposit is required?
Customers can open a DBBL Mobile Account with an initial deposit of
Taka 10/- (taka ten) only.
Can I deposit and withdraw money immediately after
registration?
You can deposit money immediately after registration. However, you
can withdraw after your account is fully registered. Bank officer
verifies the information on the registration form (KYC form) and
authorizes the account for full registration. Normally 1-2 working days
are required for full registration. After your account is fully registered,
you will get an SMS notification.
How is DBBL Mobile Banking secured?
DBBL Mobile Banking is highly secured as it uses either USSD or
SMS+IVR as its communication channel. In case of USSD, both the
instructions and PIN are communicated using USSD while in case of
SMS+IVR, instructions are sent via SMS and PIN via IVR (voice
channel) both the USSD and IVR are secured for transmission of PIN
Customer’s money is safe as none can withdraw his/her money
without taking possession of Mobile set, PIN and Check digit togrther.
None will be able to deposit unwanted money into a Mobile Banking
Account without knowing the check digit (although the mobile
number is publicly known).
Where to cash-out (cash withdrawal)?
Customer can cash-out (withdraw) at any authorized agent of DBBL (at
present Citycell & Banglalink agents), DBBL ATMs and DBBL Branch.
How does it work?
Customer asks the Agent for withdrawal of an amount from
his/her mobile account
Agent initiates the transaction from his/her mobile
Agent gets prompt menu and in reply agent enters
customer’s mobile account number (including check digit)
and amount to withdraw
DBBL system sends prompt menu to the customer’s mobile
(or IVR Call): “You are going to withdraw Tk. XXXX from
your mobile account with DBBL. If you want to continue,
please enter your 4-digit PIN”
Customer enters his/her PIN
System debits customer’s account and send an SMS to the
customer’s mobile
Agent hands over money to the customer
Where to cash-in (cash deposit)?
Customer can cash-in (deposit) at any authorized agent of DBBL (at
present Citycell & Banglalink agents) or DBBL Branch.
How does it work?
Customer hands over cash to the Agent
Agent initiates the transaction from his/her mobile
Agent gets prompt menu and in reply agent enters
customer’s mobile account number (including check digit)
and amount
Agent enters his/her PIN
System credits customer’s account for the same amount
Agent issues a receipt to the customer
System sends an SMS to the customer’s mobile
For security reason, customer needs to check the sending
number of SMS and the amount. SMS will be sent from
16216
What is transaction limit ?
There may be scarcity of cash at agent points. We want to serve as
many customers as possible from each agent points. On the other
hand, it is required to minimize fraudulent loss, if any. To arrest all
the above, a transaction limit in terms of frequency and amount have
been set in the system. Current limit for the customers are as under:
Cash-in frequency per day = 5 times
Cash-out frequency per day = 5 times
Cash-in / cash-out amount per transaction = 5,000/-
Cash-in frequency per month = 20 times
Cash-out frequency per month = 20 times
How to check your account balance?
Customer initiates the transaction from his/her own
mobile
DBBL system sends prompt menu to the customer’s
mobile (or IVR Call): “Please enter your 4-digit PIN to
know your balance or press Cancel button to cancel the
request”
Customer enters his/her PIN
System sends the balance into his/her mobile
How to change PIN?
Customer initiates the process from his/her own mobile.
DBBL system sends prompt menu to the customer’s
mobile (or IVR Call): “Please enter your existing 4-digit
PIN to proceed or press Cancel button to cancel the
request”
Customer enters his/her existing PIN
DBBL system asks for new 4-digit PIN
Customer enters his/her new PIN
The PIN is changed
What is Salary/Allowance Disbursement?
It is a process by which Corporate Office can disburse the salary of
their employees and Government can disburse different allowances
like elderly allowance, freedom fighter allowance to the people within
a few moment in a hassle free way.
How it works?
Corporate Office/ Government will send the list of mobile
account numbers (including check digit) and monthly
salary/allowance to DBBL
DBBL will credit all the individual accounts by debiting
corporate account centrally by a batch process system
The employee/beneficiary will get an SMS regarding the
transaction
The employee/beneficiary can go to any agent or DBBL ATM
or DBBL Branch for withdrawal of money
Benefits of Corporate Office/Government?
Time savings
Cost savings
No need of extra manpower
Probability of error is very low
Instant service is ensured
Benefits of employee/beneficiary?
Instant credit to the account
No hassle to collect salary/allowance
No queue
Money can be withdrawn from any agent or DBBL ATM or
DBBL Branch
How foreign remittance can be sent to Mobile Account?
Exchange houses at abroad receive remittance against
beneficiary’s mobile account number
Exchange houses send the mobile account number and the
amount to DBBL
DBBL will centrally credit the amount against respective
mobile account
The beneficiary will get an SMS regarding such transaction.
The beneficiary can go to any agent or DBBL ATM or DBBL
Branch for withdrawal of money
Fees & Service Charges
Registration Fee : Free
Cash-in Charges : 1% of the transaction amount or
Tk.5/-, whichever is higher
Cash-out Charges : 2% of the transaction amount or
Tk.10/-, whichever is higher.
Merchant Payment : Free for customer
Mobile Top-up : Free for customer
Salary Disbursement : Free
Allowance Disbursement : Free
Remittance Disbursement : Free
To know more, please dial our call centre at: 16216.
Dutch-Bangla Bank Limited
Banking for the unbanked
What is Mobile Banking?
Mobile Banking is a Banking process without bank branch which
provides financial services to unbanked communities efficiently and at
affordable cost. To provide banking and financial services, such as
cash-in, cash out, merchant payment, utility payment, salary
disbursement, foreign remittance, government allowance
disbursement, ATM money withdrawal through mobile technology
devices, i.e. Mobile Phone, is called Mobile Banking.
Benefits of Mobile Banking
By providing electronic access to money, it is possible to ultimately
alleviate poverty, because of the following reasons.
Real time on-line banking
Available anytime, anywhere throughout the country
It is convenient, affordable and secure
It is much more effective in developing savings habits
It will make access to banking and advanced payment
transactions at affordable cost
It is much safer, speedy and safeguard against fraudulent
transactions
What does DBBL Mobile banking offer?
Customer Registration
Cash-in (cash deposit)
Cash-out (cash withdrawal)
Merchant Payment
Utility Payment
Salary Disbursement
Foreign Remittance
Air-time Top-up
Fund Transfer
Where to register?
Customer can register at any authorized agent point of DBBL - at
present these are the retailers of Citycell & Banglalink throughout the
country who can display ‘DBBL Agent Certificate’ and ‘DBBL Mobile
Banking Banner’.
How does it work?
Customer fills up the KYC Form and submit to agent
along with his photograph & National ID (NID)
Agent checks the Application Form, photograph & NID
Agent goes to Customer Registration Menu in his/her
mobile and insert customer’s mobile number
Customer receives a call through IVR or USSD prompt
and in reply, s/he gives a 4-digit PIN number of his/her
choice (please remember your PIN)
A Mobile Account is created in the DBBL system which is
his/her mobile number + one check digit
Customer receives an SMS which contains his/her Mobile
Account number (please remember your check digit)
Why PIN is required?
PIN is required to be inputted during cash withdrawal from an Agent
or DBBL ATM. PIN ensures security of your money and protect
fraudulent transactions.
Why PIN is strictly confidential?
PIN is the key for transaction of Mobile Banking. Only correct match
of PIN & Mobile Number can access the Mobile Account. PIN is
needed to verify the A/C owner by the system. If a PIN is disclosed,
respective account is at risk; therefore, PIN should be handled very
carefully.
Why Check digit ?
Mobile number is public and known to many people. Without knowing
your check digit, none will be able to deposit money at your account,
thus it helps to keep your mobile account confidential. On the other
hand, a check digit eliminates typing error, thus protects sending or
depositing money to a wrong account.
Which Telco’s Mobile can be registered?
Customer having any mobile from any Mobile Operator can be
registered for DBBL Mobile Banking at any agent point of Banglalink
and Citycell. All these Mobile Account holders will be able to deposit
and withdraw money from the Agents. However the customers having
mobile from operators other than Banglalink and Citycell will not be
able to initiate many self-initiated services like Balance checking, fund
transfer, utility payment, Air-time top up, PIN Change etc. Customers
having mobile from Banglalink and Citycell will be able to enjoy all the
services – agent-initiated as well as self-initiated.
What type of Mobile set is required?
Any type of mobile set can be used for DBBL mobile banking.
How much initial deposit is required?
Customers can open a DBBL Mobile Account with an initial deposit of
Taka 10/- (taka ten) only.
Can I deposit and withdraw money immediately after
registration?
You can deposit money immediately after registration. However, you
can withdraw after your account is fully registered. Bank officer
verifies the information on the registration form (KYC form) and
authorizes the account for full registration. Normally 1-2 working days
are required for full registration. After your account is fully registered,
you will get an SMS notification.
How is DBBL Mobile Banking secured?
DBBL Mobile Banking is highly secured as it uses either USSD or
SMS+IVR as its communication channel. In case of USSD, both the
instructions and PIN are communicated using USSD while in case of
SMS+IVR, instructions are sent via SMS and PIN via IVR (voice
channel) both the USSD and IVR are secured for transmission of PIN
Customer’s money is safe as none can withdraw his/her money
without taking possession of Mobile set, PIN and Check digit togrther.
None will be able to deposit unwanted money into a Mobile Banking
Account without knowing the check digit (although the mobile
number is publicly known).
Where to cash-out (cash withdrawal)?
Customer can cash-out (withdraw) at any authorized agent of DBBL (at
present Citycell & Banglalink agents), DBBL ATMs and DBBL Branch.
How does it work?
Customer asks the Agent for withdrawal of an amount from
his/her mobile account
Agent initiates the transaction from his/her mobile
Agent gets prompt menu and in reply agent enters
customer’s mobile account number (including check digit)
and amount to withdraw
DBBL system sends prompt menu to the customer’s mobile
(or IVR Call): “You are going to withdraw Tk. XXXX from
your mobile account with DBBL. If you want to continue,
please enter your 4-digit PIN”
Customer enters his/her PIN
System debits customer’s account and send an SMS to the
customer’s mobile
Agent hands over money to the customer
Where to cash-in (cash deposit)?
Customer can cash-in (deposit) at any authorized agent of DBBL (at
present Citycell & Banglalink agents) or DBBL Branch.
How does it work?
Customer hands over cash to the Agent
Agent initiates the transaction from his/her mobile
Agent gets prompt menu and in reply agent enters
customer’s mobile account number (including check digit)
and amount
Agent enters his/her PIN
System credits customer’s account for the same amount
Agent issues a receipt to the customer
System sends an SMS to the customer’s mobile
For security reason, customer needs to check the sending
number of SMS and the amount. SMS will be sent from
16216
What is transaction limit ?
There may be scarcity of cash at agent points. We want to serve as
many customers as possible from each agent points. On the other
hand, it is required to minimize fraudulent loss, if any. To arrest all
the above, a transaction limit in terms of frequency and amount have
been set in the system. Current limit for the customers are as under:
Cash-in frequency per day = 5 times
Cash-out frequency per day = 5 times
Cash-in / cash-out amount per transaction = 5,000/-
Cash-in frequency per month = 20 times
Cash-out frequency per month = 20 times
How to check your account balance?
Customer initiates the transaction from his/her own
mobile
DBBL system sends prompt menu to the customer’s
mobile (or IVR Call): “Please enter your 4-digit PIN to
know your balance or press Cancel button to cancel the
request”
Customer enters his/her PIN
System sends the balance into his/her mobile
How to change PIN?
Customer initiates the process from his/her own mobile.
DBBL system sends prompt menu to the customer’s
mobile (or IVR Call): “Please enter your existing 4-digit
PIN to proceed or press Cancel button to cancel the
request”
Customer enters his/her existing PIN
DBBL system asks for new 4-digit PIN
Customer enters his/her new PIN
The PIN is changed
What is Salary/Allowance Disbursement?
It is a process by which Corporate Office can disburse the salary of
their employees and Government can disburse different allowances
like elderly allowance, freedom fighter allowance to the people within
a few moment in a hassle free way.
How it works?
Corporate Office/ Government will send the list of mobile
account numbers (including check digit) and monthly
salary/allowance to DBBL
DBBL will credit all the individual accounts by debiting
corporate account centrally by a batch process system
The employee/beneficiary will get an SMS regarding the
transaction
The employee/beneficiary can go to any agent or DBBL ATM
or DBBL Branch for withdrawal of money
Benefits of Corporate Office/Government?
Time savings
Cost savings
No need of extra manpower
Probability of error is very low
Instant service is ensured
Benefits of employee/beneficiary?
Instant credit to the account
No hassle to collect salary/allowance
No queue
Money can be withdrawn from any agent or DBBL ATM or
DBBL Branch
How foreign remittance can be sent to Mobile Account?
Exchange houses at abroad receive remittance against
beneficiary’s mobile account number
Exchange houses send the mobile account number and the
amount to DBBL
DBBL will centrally credit the amount against respective
mobile account
The beneficiary will get an SMS regarding such transaction.
The beneficiary can go to any agent or DBBL ATM or DBBL
Branch for withdrawal of money
Fees & Service Charges
Registration Fee : Free
Cash-in Charges : 1% of the transaction amount or
Tk.5/-, whichever is higher
Cash-out Charges : 2% of the transaction amount or
Tk.10/-, whichever is higher.
Merchant Payment : Free for customer
Mobile Top-up : Free for customer
Salary Disbursement : Free
Allowance Disbursement : Free
Remittance Disbursement : Free
To know more, please dial our call centre at: 16216.
Dutch-Bangla Bank Limited
এতে সদস্যতা:
পোস্টগুলি (Atom)