STATE BANK OF INDIA

MOBILE BANKING SERVICES

SBI Freedom ? Your Mobile Your Bank

Away from home, bills can be paid or money sent to the loved ones or balance enquiries done anytime 24x7 !!!That is what SBI FreedoM offers -convenience, simple, secure, anytime and anywhere banking.

The service is presently available on java enabled mobile phones over SMS/ GPRS/ WAP as also non java phones with GPRS connection. The service can be availed over the free GPRS facilities offered by various mobile service providers. The services for other non-Java mobile phones are under development and will be offered using Unstructured Supplementary Services Data (USSD).

The following functionalities will be provided in the Phase I :

-Funds transfer (within and outside the bank ?using NEFT)

-Enquiry services (Balance enquiry/ Mini statement)

-Request services (cheque book request)

-Bill Payment (Utility bills, credit cards)

-M Commerce (Mobile Top Up, Merchant payment, SBI life insurance premium)

Business Rules Governing Mobile Banking Services:

• The Mobile Banking Service will be available to all the customers having a satisfactory running account (Current/ Savings). The customers will have to register for the services.
• Daily transaction limits for fund transfer and bill/ merchant payment will be Rs.5000.00and Rs.10,000.00 respectively per customer with an overall calendar month limit of Rs.30,000.00
• The service will be carrier-agnostic i.e. all customers can avail the mobile banking service with the Bank irrespective of the service provider for their mobiles.
• The service is free of charge. However, the cost of SMS / GPRS connectivity will have to be borne by the customer.
  

Registration Process

Step I Send a SMS <MBSREG> <Mobile Make> <Mobile Model> to?567676 (e.g.MBSREG Nokia 6600). If your mobile model is java enabled, you will get a User ID, default MPIN and a link by SMS which can be used to?download the application if you have GPRS connectivity. The free GPRS connection offered by various mobile service providers can also?be used. If your mobile is not java enabled, you will not be able to?use the present mobile banking services. The Bank will be offering the service to?you shortly over USSD.

Step II If GPRS connectivity is not available, please do the following. Download the application on your PC by going to the website. After downloading transfer application to?your mobile using the data cable that was received along with the phone. If the phone and the PC have Blue Tooth facility you can transfer the application from the PC to?the handset via the Blue Tooth. If these are not feasible you may use get assistance from the branch for installing the application on your handset. After installation of the application, please login using the User ID received in the SMS. The User ID is case sensitive and has to?be entered as received over SMS. After opening the mobile banking application, you will be prompted to change the MPIN. If not prompted, please select ?Settings? from Main Menu and choose ?Change MPIN?. The default MPIN has to?be entered in the ?old MPIN? and a new MPIN of your choice in the ?new MPIN? which has to?be confirmed by entering the new MPIN once again in ?Confirm new MPIN?. Send the request. You will receive the confirmation of change in MPIN over SMS.

Step III After the receipt of the confirmation of change of MPIN, please choose a Secret Question and enter the answer. For this purpose, please select ?Settings? from Main Menu and choose ?Validate Account? and select one secret question from the drop down menu provided and enter the answer. Please remember this secret question and the answer since this will be used to?validate you in case you forget your MPIN or want to?deregister from the mobile banking services. The two?steps mentioned above viz., change of MPIN and choosing the secret question are mandatory without which the account will not be activated and the other facilities cannot be used.

Step IV After completing the above process, activate your account over nearest SBI ATM. At the ATM, after swiping the Debit Card, please choose the option ?Services? and then select ?Mobile Banking?. Under Mobile Banking, choose the option to??Register?, enter your mobile number and re?enter the number to confirm registration.

After the above processes are completed, your account will be activated. You will be advised of the fact by SMS. You can then use all the services offered under the Mobile Banking Services.

Download the Mobile Banking Application

Step I Choose your mobile make from the drop down menu.

Step II Choose your mobile model number from the list displayed.

Step III You will get two?options ? Download application to?PC or Download application to mobile. If you are using datacable, choose the second option. Else, download the application to?your PC and transfer the application to?your handset using Bluetooth.

Process of Downloading Mobile Banking Application to your Mobile handset

The Mobile Banking Application can be downloaded using

(i) Bluetooth

(ii) Datacable

Using Bluetooth

STEP I Downloading the Mobile Banking Application from website

? On the website www.sbi.co.in click on Mobile Banking under Services. Click on ?Download Mobile Banking Application?. You will be directed to a site for downloading the application.

? Choose your mobile make from the drop down options on the left side and then select your mobile model from the list displayed.

? You will get two options (i) Download application to PC (ii) Download application to mobile

? If you have GPRS connectivity, choose the second option. You will receive a WAP link over SMS. You can download the application by clicking on the link.

? If you do not have GPRS connectivity, choose the first option to download the application to PC/ laptop.

? The mobile banking application which is compatible with the model chosen by you will be saved on your PC.

STEP II Download the Application from PC to mobile handset using Bluetooth

? Install the Bluetooth on the PC/ laptop, if not already available, using the CD provided by the manufacturer.

? Insert the Bluetooth dongle in the CPU. This works like a pendrive.

? Click on the Icon of Bluetooth on Desktop. A screen will open up.

? Please ensure the Bluetooth in your mobile is on and it is visible for other mobile devices

? Click on My Bluetooth and choose Bluetooth Device Discovery

? The mobiles which are in the vicinity of the computer having Bluetooth which is ON will be shown on the screen.

? Right click on the icon of the concerned mobile and choose Pair Device.

? A screen will open up asking for a Passkey. Enter any key of your choice.

? The message will be sent to the concerned mobile and the same key has to be entered there for pairing it with the computer.

? Right click on the mobile icon and choose Refresh Services. The service available for the mobile will be highlighted on the top of the screen.

? Choose Bluetooth Object Push Services and click the right button of the mouse and choose Send Object.

? In the window displayed under files of types at the bottom choose All Files.

? In the screen under Desktop you will find the file that was downloaded from website. It will be labeled SBIFreedom. Choose the same.

? The file will be sent to the chosen mobile. It has to be accepted by the recipient mobile and the file will be downloaded.

Another method of using Bluetooth is explained below;

? Locate the SBIFreedom file on the computer and right?click the file icon. Select Send To ?> Bluetooth and the mobile phone if it is displayed in the list.

? If the phone is not displayed in the list, select ?Other?? ?> a window titled ?Select Device? appears.

? Select the phone in the list and click ?OK?.

? Bluetooth file transfer begins.

? Note: If the computer has not been previously ?paired? as a trusted device with the phone, this needs to be done by setting an arbitrary passkey on the phone and re?typing it on the computer to authenticate the file transfer.

? On the phone, a prompt may appear requiring authorization of the file transfer. Click ?Yes? to receive the file. (This step is skipped if you have set you computer as a trusted device in the phone?s Bluetooth settings)

? A New Message Received indicates the file transfer is complete. Open the message to begin the installation process.

? Switch of the Bluetooth function in the mobile when it is not used as phones are susceptible to virus attacks.

Using Data cable

If your computer is not equipped with Bluetooth, it is possible to transfer the SBI Mobile Application you downloaded from www.sbi.co.in/mobilebanking to your phone over USB using the mobile manufacturer software which came with the mobile. For e.g. use Nokia PC Suite? software if you are using a Nokia mobile to transfer the SBI mobile application to your phone.

Sources :: State Bank of India