|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
|
Not anymore to stand in a
long queue or login in to net banking for fund transfers. With Interbank
Mobile Payment Service (IMPS), you will be able to transfer funds to
other bank accounts through your mobile phone. IMPS (Interbank Mobile
Payment Service) is a new facility to transfer funds to, and receive
funds from other bank accounts instantly, using Mobile Phone. This
is an enhancement to the existing Mobile Banking application (mPAY).
|
Key Features
of IMPS
-
Instant InterBank Fund
Transfer
-
Send money to anyone
using their mobile number
-
Recipient gets instant
credit
-
Receive money
instantly from anyone without sharing your account
number
-
Available 24X7X365
-
Absolutely free of
cost
-
Confirmation of Debits
& Credits
-
Time & Cost saving
-
Simple & easy to use
-
Safe & Secure
|
|
|
Prerequisites
Basic requirements for AB-Mobile Banking:
-
Customer should
have an Andhra Bank ATM/Debit Card.
-
Mobile handset
should be Java enabled.
-
Customer should
have registered for SMS alerts.
-
Mobile handset
should be GPRS (General Packet Radio Service) enabled by the Service
Provider.
-
Though the hand
set is not enabled for JAVA and GPRS, customers can transfer the
funds by sending SMS in the prescribed formats (daily transfer limit
is Rs. 5,000/-).
How to register?
-
Customer should
visit ATM for registration of mPAY and on successful registration
the customer has to download the mobile banking application by
clicking the URL link in the SMS message http://mobile.fssnet.co.in/MPAYPORTAL/.
-
The Mobile Banking
application will be saved in his/her Mobile. The customer can enjoy
various functionalities of mobile banking including internal and
external fund transfer (IMPS) facility.
-
Customers whose hand sets are not Java enabled should
visit ATM for registration of Mobile Banking and should get MPIN for
availing SMS service.
How to generate MMID
-
Using
application:
Customer mobile number should be registered with bank for Mobile
Banking Application and MMID can be generated by using m-PAY
application under Fund Transfer --> Other Bank--> IMPS --> Generate
MMID.
-
Using SMS Tags: Customer mobile number should be registered with the bank for SMS
alerts. For getting MMID customer should send SMS as MMID to 9223173924.
How to transfer the
funds using IMPS?
-
Using
application:
Customer mobile number should be registered with bank for Mobile
Banking Application . Customer can transfer his funds (within AB and
other banks also) using the option Fund Transfer à Other Bank--> IMPS-->Quick
IMPS.
-
Using SMS Tags: Customer mobile number should be registered with the bank for Mobile
Banking and should have the MMID for transferring funds. Customer
can transfer his funds by the SMS.
Syntax: IMPS <Beneficiary Mobile Number> <Beneficiary MMID> <Amount> <MPIN>
Funds transfer limits and others:
-
The
daily funds transfer limit for customers using mobile banking
application is Rs. 50,000/- and for others who are using SMS facility is
Rs. 5,000/-.
-
The SMS and GPRS charges for using the service of the mobile
phone will apply as per the tariff availed by the customer from service
provider.
|
|
IMPS FAQs |
|
|
| |
What is
IMPS?
Interbank Mobile Payment Service (IMPS) is an instant interbank
electronic fund transfer service through mobile phones. IMPS would
facilitate Andhra Bank Customer's) to send money instantaneously to any
other person registered for IMPS service in any of participating banks
(including Andhra Bank), using mPAY application. All IMPS registered
customers can also act as beneficiaries to receive money from any
participating bank (including Andhra Bank).
How does the IMPS Service
work Real Time or Instantaneous ?
A common infrastructure has been set-up amongst participant banks, in
association with the National payment Corporation of India, to enable real
time funds transfers across banks.
What is MMID
?
MMID stands for Mobile Money Identifier. MMID is a 7 digit code issued
by a participating bank to their Mobile Banking registered customers for
availing IMPS service as a beneficiary.
A customer will have
different MMID's for different accounts and all these can be linked to a
single mobile number
Do I as sender or
receiver need to have a bank account for availing IMPS?
Yes, you need to have a Savings bank account with Andhra Bank.
Do I need to register to
send money through IMPS?
If you are a registered mobile banking customer of Andhra Bank and have
the mPAY application on the registered mobile number, no more
registrations are required.
To send money from mPAY, please do
the following:
-
Login to Andhra Bank mPAY
-
Select
Fund Transfer Menu
-
Select
Fund Transfer to Other Bank
-
Select
InterBank Mobile Payment Service (IMPS)
-
Select
Quick IMPS and enter mPIN
-
Enter 10 Digit
Beneficiary Mobile Number, 7 Digit Beneficiary MMID and desired transfer
amount
-
Confirm entered details
-
Get transaction
report along with IMPS Transaction Reference
Number.
For sending money, can I
link more than one account to the same mobile number?
Yes, this is possible. The same process would be followed that exists
for registration for mobile banking service for linking an account to
mPAY application.
Is the beneficiary also
required to register for IMPS?
The beneficiary ( Andhra Bank or other Bank customer) should have their
mobile number registered with their bank where he intends to receive the
money. He should also have a valid 7 digit MMID provided by his bank. For
each bank account number the beneficiary would have a different MMID.
Different customers of a Bank can have same MMID's.
What beneficiary details
do I need to use to send money?
The beneficiary details required are:
a. Beneficiary's 10 digit mobile number
b. MMID of the beneficiary
customer
Is there any limit on
the value of transactions when I am sending money using
IMPS?
The existing limits of Rs 50,000 per day using mPAY
Application and using SMS its Rs 5000/ per day would apply.
Is there any limit on
the value of transactions when I am receiving money using
IMPS?
You can receive up to Rs 50,000 per transaction using IMPS. You can
receive multiple such transactions in a day. Total Limit for day per
account is Rs.50000/-
What if IMPS registered
mobile is lost or misplaced? Will anyone who comes into possession of
mobile be able to send money using IMPS in my account?
The
security features of mPAY will apply in this case as well. For anybody
to send money using IMPS, he needs to be registered Mobile Banking
customer, have mPAY login pin and application password to access the mPAY application.
What happens in case I
enter a wrong beneficiary mobile number when sending
money?
The
beneficiary details required to send money are mobile number and MMID.
Before funds are credited into an account the corresponding mobile number
and MMID are verified and only if both match will there be a credit into
the account.
What are the timings for
initiating and receiving IMPS remittances?
IMPS
transactions can be sent and received at any time and any day. There are
no timing or holiday restrictions on IMPS remittances.
If the transaction is
not completed will I get my money back? When?
Yes.
In case, Andhra Bank customer's account is debited and beneficiary account
is not credited, then customer call lodge a complaint with our call center
by mentioning :
-
Senders Mobile Number
-
Sender Account Number
-
RRN (Transaction Reference Number)
-
Date of Transaction
-
Beneficiary Bank Name
-
Beneficiary Mobile Number
-
Beneficiary MMID
-
Amount of Transaction
Customers
query will be resolved within 9 working days.
How long does it take
for the money to get credited into the beneficiary
account?
For
transactions which are successful, funds gets credited into the
beneficiary's account immediately.
Can I send money from an
Andhra Bank Savings account to another account in any other
bank?
Yes,
you can transfer money from your Andhra Bank account to a beneficiary who
has an account within the IMPS participating banks .
When sending money, how
do I come to know that my account is debited and the money has been
credited in the beneficiary's account?
You
will get an amount debited SMS on your registered cell phone on successful
completion of the transaction.
Can I send and / or
receive remittance using the mobile number other than the one registered
with the bank?
No,You
can send and / or receive funds using the registered mobile number only.
When can the beneficiary
use the funds received through IMPS?
The
beneficiary can use the funds immediately on receipt of credit in the
account.
How can customer get MMID
for there accounts?
-
SMS: Customers need to send MMID to
9223173924
to generate MMIDs for their accounts.
-
mPAY Application: Customers can login to mPAY Application -> Select “Fund Transfer” -> Select “ Other Bank Fund Transfer -> Select IMPS and generate an MMID
|
SMS Tags messages for mPAY
to be sent to 9223173924
|
Option
|
Syntax and Example
|
|
MPin
Change
|
Syntax: CHANGEPIN <OLDPIN> <NEWPIN> <CONFIRM-NEWPIN>
|
|
Example: CHANGEPIN 5555 4444 4444
|
|
Balance Enquiry
|
Syntax: BAL <MPIN>
|
|
Example: BAL 4444
|
|
Mini
Statement
|
Syntax: MINI <MPIN>
|
|
Example: MINI 4444
|
|
Mobile
to Mobile - Request
|
Syntax: FTMM <MPIN> <BENE-MOBILE> <AMOUNT>
|
|
Example: FTMM 4444 9790951696 100
|
|
Mobile
to Mobile - Fund Transfer Confirmation
|
Syntax: CONFMM <MPIN> <TXNID>
|
|
Example: CONFMM 4444 123456789012
|
|
Mobile
to Account - Request
|
Syntax: FTMA <MPIN> <ACCOUNTNO> <AMOUNT>
|
|
Example: FTMA 4444 8888888888812345 100
|
|
Mobile
to Account - Fund Transfer Confirmation
|
Syntax: CONFMA <MPIN> <TXNID>
|
|
Example: CONFMA 4444 789456123012
|
|
Mobile
recharge
|
Syntax: MOBREC <MPIN> <MOBILENUMBER> <AMOUNT>
|
|
Example: MOBREC 4444 9876543210 100
|
|
Cheque
Status
|
Syntax: ENQCHQ <MPIN> <CHEQUENUMBER>
|
|
Example: ENQCHQ 4444 123456
|
| |
|
|
Tag message for IMPS through SMS IMPS transaction can be initiated using registered mobile number using SMS mode with below tag: IMPS <beneficiary mobile Number> < beneficiary MMID> <Amount> <mPIN>and send it to 9223173924
For example IMPS 9849598495 9240111 5000 2222
|
|
|
|
|
|