Features

Bank Smart has various attractive features as follows:

• “One app One device” for all digital banking needs

Once downloaded on your mobile phones, the BankSmart app provides all the features provided by mobile and internet banking. You can access these services conveniently using a single device without the need to use two different devices (mobile phones, Laptops/PCs) for mobile and internet banking respectively.

• Dual Channel Access

You now have the option of using either the SMS or GPRS channel depending on the availability of internet and telecom networks. The GPRS module works with Wi-Fi as well as SIM based 2G/3G/4G connections. The SMS module works wherever a telecom network is available. This dual channel access results in reduced dependency on a single channel.

• Keep yourself updated with all your account information

Bank Smart app features a slide view to display account information such as available balance, available limit etc. The information is updated and fetched online with an auto sync feature. You can also view your account mini statements containing last 5 debit or credit transactions.

• Make immediate requests for services

You can send us instructions to request cheque books and account statements for pickup later.

• Instant and secure fund transfer facilities

Sending money to someone or making fund transfers has never been easier. You can instantly transfer funds between accounts of Siddhartha Bank or other member banks of FonePay network. Queuing up at the bank counters and filling out deposit slips have now become a thing of the past.

• Convenient way to make ­­payments

Bank Smart can be used to securely and conveniently make various utility bill payments and buy direct airtime top-ups and recharge cards for popular landline/mobile networks, internet service providers and cable TV operators.It also facilitates Merchant Payments and Credit Card Bill Payments, alongside loading funds to eSewa Wallets.

• Receive notifications & alerts while on the move

You can always stay assured and updated  about your  bank account  with transaction alerts and push notifications for any debit or credit  transaction in your account whenever you are connected to internet through Wi-Fi, GPRS, 2G/3G/4G.

You can also receive other SMS and GCM Notifications (GPRS Channel) from Siddhartha Bank regarding its various promotional offers from time to time, thus, keeping you updated and connected with us, even while on the move.

• Biometric Login
  

You can replace your GPRS login Password with your fingerprint if your device is capable of Biometric login,

• Merchant/ Utility Payment

You can make various merchant payment and utility payment such as Electricity Bill payment, water bill payment, Airlines tickect booking, insurance premium payment and many more.

• QR Payment
  

You can always pay at various fonepay network merchant using with the help of QR code.

A host of new features for you to enjoy such as:

• Easily locate and navigate to your nearest branch, ATM or Merchant Store
• Easily personalize the app by uploading your own photos in your profile and manage a list of your favourite merchants and accounts for quick payments and transfers.
• Bring out the menus you use most frequently just with a simple shake of the phone.
• An updated multimedia rich app displaying graphic advertisement banners and easy to navigate menus in a user friendly interface.
• Register multiple mobile numbers to operate a single account in case of joint accounts.
• Register multiple account numbers to operate from a single mobile number.
• Save the cost of SMS by switching to internet channel while banking from your mobile device.
• Switch to SMS channel to use the mobile banking services when internet facility is not available.
• Keep track of the transactions and securely manage your bank account through internet even when you are abroad.