PSB

MOBILE BANKING SERVICE

Frequently Asked Questions on Mobile Banking Services

1. What is Mobile Banking?

Mobile banking (also known as M-Banking) is a term used for performing balance
checks, account transactions, payments etc. via a mobile device such as a mobile /cell
phone.

2. Can I avail PSB Mobile Banking Services?

Yes, PSB Mobile Banking Services are available to all the Retail customers of Bank.

3. Why I should apply for PSB Mobile Banking Services?

Mobile Banking facilitates the customers for availment of banking services round the
clock with the help of mobile telecommunication devices. Customers can access bank
accounts i.e. can check account balance, transfer funds, make bill payments etc
through their mobile handset.

4. Are there any pre requisites for availing PSB Mobile Banking Services?

You need to have account with the Bank, a valid mobile connection and handset
supporting the services.

5. Do I need to register with particular Service Provider to use Mobile Banking

Services?

No, the PSB Mobile Banking Services are accessible through presently available
Service Providers.

6. How can I register for PSB Mobile Banking Services?

You can register for the Mobile Banking Services by submitting request on the required
application form at any Bank branch.
7. How can I download the application on my handset?

Android, Windows & IPhone users can download the app from Play store or from the
link received on message.

8. What are the services offered through PSB Mobile Banking Srevices?

Browser based and Application based:

a. Balance enquiry
b. Account Mini Statement
c. IMPS(Immediate Payment Service)
d. NEFT (fund transfer)
e. Cheque book request
f. Stop cheque
g. Mobile Recharge
h. DTH Recharge
i. bill payments
j. pin change facility
k. enable/disable transaction facility

USSD- (Unstructured Supplementary Services Data)

i. View Balance
ii. Account Details
iii. Mini Statement
iv. transfer of funds
V. Third Party Transfer of funds
vi. Changing Pins

9. Can anyone else login using the application that is installed on my

mobile?

The application does not allow other user to login without your credentials.

10. I get an invalid pin error?

Please check for typing error in Pin field.

11. I get account blocked /deactivated error?

This error is shown when the password has been entered wrongly for a number of times
(3), Please ensure that you have typed your password correctly.

12. I get service not available error?

This could be an issue to GPRS settings. Please choose an appropriate plan for GPRS
connectivity.

13. When I try to enter to mPin or enter amount for transfer, I can’t enter any
numbers, only letters. Why?

Check your phone’s settings to make sure you don’t have Alpha-only enabled on the
keypad

14. What happens if I lose my mobile device?

Please contact the concerned branch immediately and get the Mobile Banking Service
De-registered.

Regarding the application that is stored in the mobile:

In case of Browser based Mobile Banking – no information is stored and therefore no

problems

In case of Application based Mobile Banking– It is not possible to read the information
that is stored on mobile without the credentials.

15. I have changed my mobile number. Should I update bank?

Yes. Please contact the concerned branch.

16. What charges are levied for using SMS Banking?

Bank does not levy any charges, however please consult your service provider for the
data plan and charges.

17. What happens if I lose the communication signal during a transaction?

When you launch your application (when there is good signal) you can verify if your last
transaction was successful or not by doing an balance /mini statement inquiry.

18. I have a CDMA phone, Can I use mobile banking?

Yes. Whether GSM or CDMA, if your mobile device has the pre-requisites as mentioned
in point 4, you can use mobile banking.

19. Will I will be able to use the services while on roaming?

Yes, you will be able to use the services on national roaming.

20. Are the transactions done on mobile phone secure?

Yes. In thick client SMS, both outgoing and incoming messages are encrypted. And in
thick client GPRS, SSL protocol is used to secure the connection.

21. Are there any additional security precautions I should take?

 Do not reveal password(s over phone, mail etc to any person including Bank.
 The passwords can be changed as frequently as you wish. Please change your
password(s) before the passwords get expired or when the system prompts you
to do so.
 Do not click on website links/attachments in unknown/suspicious emails. These
links may take you to replica of banks website and ask for keying in your user id
and password(s).
 Bank will never send any e-mail requesting to provide userid/password and other
sensitive information.

22. What happens if my application hangs/or my mobile is switched off when I’m
midway through my transaction?

Switch off your mobile and restart the application. And check the transactions made
through balance /mini statement Inquiry service.

23. What should I do when I’m trying to download a newer version of mobile app
in mobile, while older version of it is still present?

Either one of the below options should be performed if the older version of application is
still present in the mobile.
 • Delete the older app
• An alert message saying “Do you want to keep the existing application data” with
“yes and no options” message will be displayed. User should select “No” and then
continue the downloading process.

24. What if I get an SMS or a call while performing a transaction?

User can answer the call/check the message and then continue the banking operation.

25. Whether my service request process is offline or online?

It is Offline.

26. How much memory is required in my mobile for downloading the

application?

200-250 KB memory space is required in the mobile for running the Mobile banking
application successfully.

27. What is Application PIN?

Application pin is a secure pin which is used to login in the mobile banking app.

28. What is MPIN?

MPIN is a secure pin which is used to validate the user in addition to the Mobile banking
password. It is used to perform all the transaction in the app except payment or fund
transfer. E.g. Balance enquiry , beneficiary registration , view details etc.

29. What is TPIN?

TPIN is a secure pin which is used for fund transfer & payment.

30. How many characters should Application ,Mpin & Tpin have?

All PINs should have 4 characters. It should be numeric.

31. Can I change the PINs ?

Yes. Once the user is logged into the mobile banking, he would be able to change the
PIN through My Set Up “Change PIN” service & from login screen with option reset
password.
32. I forget my pins ?
Contact the branch for reissue.

33. App is showing account blocked /deactivated?

It is due to wrong typing of pins for more than 3 attempts. Account get activated
automatically after 24 hrs. In case of issue , please contact the branch.

34. Why is the connection to PSB Mobile Banking sometimes slow?

The internet connection speed of mobile handsets varies depending on different factors
such as network coverage, service provider, location, connection type and handset
model.

35. Can I access to both Internet Banking and Mobile Banking at the same
time?

Yes. Internet banking and mobile banking are different Channels. Hence you can
access both simultaneously.

36. How should I install the application?

Android, Windows & IPhone users can download the app from Play store or from the
link received on message.

37. How should I uninstall the application?

Go to the settings option of your mobile and uninstall the applicaion.

38. I have deleted the application by mistake. What should I do?

Android, Windows & IPhone users can download the app from Play store.

39. Can I do transactions through my Mobile?

Yes

40. How many transactions can I do in a day?

There is a limit of maximum 10 number of transactions in day & transaction amount

per day limit is Rs 50,000.

41. How much time it takes to complete the transaction on Mobile?

Ideally transaction can be completed within 5-10 secs for Application and Browser
based and 20-30 sec for USSD flavor. But it depends upon GPRS connectivity of your
service provider.

42. What is the maximum amount that I can transfer in a day?

Presently, limit is set as Rs 50,000/- per day per customer.

43. Can I stop the transaction initiated through Mobile?

The transactions through Mobile Banking Services happen instantaneously i.e. in real
time and there is no option for stopping, reversing or recalling the same.

44. DO I have to register every time for transferring funds?

Only one time registration is required for transferring funds. However, you can do
IMPS without registering the beneficiary.

45. Will I get a receipt for my transactions done through PSB mobile Banking?

No receipt will be generated but only success/failure message will be displayed on

screen. The customers using SMS flavor will get SMS for transaction.

46. Can I do Inter-bank funds transfer through Mobile?

Yes, Inter-bank transfers can be done. You may also use IMPS option for Inter-bank
transfers.

47. Can I make payments towards shopping, ticketing etc using Mobile?

Presently mobile payments services are not available. These will be introduced
afterwards.

48. Can I stop a cheque through PSB Mobile Banking Services?

Yes, I can stop cheque through PSB Mobile Banking.

For more details regarding the same call our 24*7 helpline number 1800-419-8300.