How to do mobile banking without internet? Dial *99#.

How to do mobile banking without internet?

Yes it is possible. Dial *99# from your mobile handset and access your bank account details. No internet is required. The service works across all GSM service providers and handsets. As of now, 51 banks are offering this Mobile Banking service.

The benefits of this service are:

• *99# is the common service code across all telecom service providers.
• No additional charges if you use this service while roaming. But Rs 1.50 (per session) will be deducted from your mobile account balance for using this service.
• This service works on all GSM providers and mobile handsets.
• You can use this service any-time and any-where (round-the-clock).
• There is no need to install any APP on your mobile handset to use this mobile banking service.
• Fund transfer request can be initiated 24/7 (round the clock) using the *99# service including on holidays. The Funds remitted using the *99# service can be received by the beneficiary 24/7.

What are the services available?

• Fund transfer,
• Bank account balance enquiry.
• Generate OTP(One Time Password).
• Generate MPIN(Mobile Banking Personal Identification Number).

How to access this service?

First of all your mobile number should be registered with the bank.

If you already have mobile banking you'll be able to use this service.

If you have not registered to your bank please contact your respective bank.

Steps to use this service:

• Dial *99# from your mobile handset
• You will receive a welcome message from NUUP (NUUP- National Unified USSD Payments). Click OK.
• Enter either 3 letters of your Bank Short name (or) first 4 letters of your Bank’s IFSC Code (or) 2 digit Direct Code. For example – Short name for SBI is SBI, First 4 letters of IFSC code is SBIN and the 2 digit direct code for SBI Bank is ’41’ (you can Dial *99*41# directly to access your SBI account).
• You can select respective options for Balance Enquiry, Mini Statement, Fund Transfer, Generate MPIN etc.,

How to do Fund Transfer by dialing *99#?

You can transfer funds to your beneficiary account in three different ways using *99# service. The funds will be transferred through IMPS (Immediate Payment Service). Kindly note that the funds will be credited to the beneficiary account instantly. The maximum limit of fund transfer per customer is Rs.5000 per day. (NPCI charges 25 Paise per fund transfer from the remitter bank. Kindly check with your banker about IMPS charges, if any.)

• MMID based :
• Kindly follow the above procedure and select the option ”Fund transfer using MMID’ (Mobile Money Identifier).
• You have to enter the mobile number (10 digit) of the beneficiary, his/her MMID (7 digit), amount and remarks. (One can call his/her bank to know the MMID that has been allotted to him.)
• Enter your MPIN to authenticate this transaction.

• IFSC Code & Bank Account Mode :
• You have to select the option ‘Fund transfer using IFSC code’.
• Enter Beneficiary Account Number, IFS Code (11 digit), Amount and Remarks(Optional).
• Key-in your MPIN to authorize the transaction.

• Aadhaar number based :
• You have to select the option ‘Fund Transfer using beneficiary Aadhaar number’.
• Enter Beneficiary Aadhaar Number.
• Enter your MPIN to authenticate this transaction.
• The beneficiary will then receive the amount to the bank account which is linked to his Aadhaar number.

List of banks offering this service:

Please click here to know the banks that offer this service.

List of Network providers offering this service:

List of languages supported are:

NOTE:

• Using *99# service through your mobile handset is very easy and convenient. But, do not share your MPIN used for fund transfers with anyone. Else, it can be misused.
• Also, note that there is an option to change/generate MPIN in the list of services offered by *99# service. One can easily generate new MPIN if they have access to your Debit Card. 
• If you lose your mobile, report this to your bank and deactivate mobile banking services immediately.