DBBL Mobile Banking at a glance

Banking for the unbanked

What is Mobile Banking? Mobile Banking is a Banking process without bank branch which provides financial services to unbanked communities efficiently and at affordable cost. To provide banking and financial services, such as cash-in, cash out, merchant payment, utility payment, salary disbursement, foreign remittance, government allowance disbursement, ATM money withdrawal through mobile technology devices, i.e. Mobile Phone, is called Mobile Banking. Benefits of Mobile Banking By providing electronic access to money, it is possible to ultimately alleviate poverty, because of the following reasons. Real time on-line banking Available anytime, anywhere throughout the country It is convenient, affordable and secure It is much more effective in developing savings habits It will make access to banking and advanced payment transactions at affordable cost It is much safer, speedy and safeguard against fraudulent transactions

What does DBBL Mobile banking offer? Customer Registration Cash-in (cash deposit) Cash-out (cash withdrawal) Merchant Payment Utility Payment Salary Disbursement Foreign Remittance Air-time Top-up Fund Transfer

Where to register? Customer can register at any authorized agent point of DBBL - at present these are the retailers of Citycell & Banglalink throughout the country who can display DBBL Agent Certificate and DBBL Mobile Banking Banner. How does it work? Customer fills up the KYC Form and submit to agent along with his photograph & National ID (NID) Agent checks the Application Form, photograph & NID Agent goes to Customer Registration Menu in his/her mobile and insert customers mobile number Customer receives a call through IVR or USSD prompt and in reply, s/he gives a 4-digit PIN number of his/her choice (please remember your PIN) A Mobile Account is created in the DBBL system which is his/her mobile number + one check digit Customer receives an SMS which contains his/her Mobile Account number (please remember your check digit) Why PIN is required? PIN is required to be inputted during cash withdrawal from an Agent or DBBL ATM. PIN ensures security of your money and protect fraudulent transactions. Why PIN is strictly confidential? PIN is the of PIN & needed to respective carefully. key for transaction of Mobile Banking. Only correct match Mobile Number can access the Mobile Account. PIN is verify the A/C owner by the system. If a PIN is disclosed, account is at risk; therefore, PIN should be handled very

Why Check digit ? Mobile number is public and known to many people. Without knowing your check digit, none will be able to deposit money at your account, thus it helps to keep your mobile account confidential. On the other hand, a check digit eliminates typing error, thus protects sending or depositing money to a wrong account.

Which Telcos Mobile can be registered? Customer having any mobile from any Mobile Operator can be registered for DBBL Mobile Banking at any agent point of Banglalink and Citycell. All these Mobile Account holders will be able to deposit and withdraw money from the Agents. However the customers having mobile from operators other than Banglalink and Citycell will not be able to initiate many self-initiated services like Balance checking, fund transfer, utility payment, Air-time top up, PIN Change etc. Customers having mobile from Banglalink and Citycell will be able to enjoy all the services agent-initiated as well as self-initiated. What type of Mobile set is required? Any type of mobile set can be used for DBBL mobile banking. How much initial deposit is required? Customers can open a DBBL Mobile Account with an initial deposit of Taka 10/- (taka ten) only. Can I deposit and withdraw money immediately after registration? You can deposit money immediately after registration. However, you can withdraw after your account is fully registered. Bank officer verifies the information on the registration form (KYC form) and authorizes the account for full registration. Normally 1-2 working days are required for full registration. After your account is fully registered, you will get an SMS notification. How is DBBL Mobile Banking secured? DBBL Mobile Banking is highly secured as it uses either USSD or SMS+IVR as its communication channel. In case of USSD, both the instructions and PIN are communicated using USSD while in case of SMS+IVR, instructions are sent via SMS and PIN via IVR (voice channel) both the USSD and IVR are secured for transmission of PIN

Customers money is safe as none can withdraw his/her money without taking possession of Mobile set, PIN and Check digit togrther. None will be able to deposit unwanted money into a Mobile Banking Account without knowing the check digit (although the mobile number is publicly known).

Where to cash-out (cash withdrawal)? Customer can cash-out (withdraw) at any authorized agent of DBBL (at present Citycell & Banglalink agents), DBBL ATMs and DBBL Branch. How does it work? Customer asks the Agent for withdrawal of an amount from his/her mobile account Agent initiates the transaction from his/her mobile Agent gets prompt menu and in reply agent enters customers mobile account number (including check digit) and amount to withdraw DBBL system sends prompt menu to the customers mobile (or IVR Call): You are going to withdraw Tk. XXXX from your mobile account with DBBL. If you want to continue, please enter your 4-digit PIN Customer enters his/her PIN System debits customers account and send an SMS to the customers mobile Agent hands over money to the customer Where to cash-in (cash deposit)? Customer can cash-in (deposit) at any authorized agent of DBBL (at present Citycell & Banglalink agents) or DBBL Branch. How does it work? Customer hands over cash to the Agent Agent initiates the transaction from his/her mobile Agent gets prompt menu and in reply agent enters customers mobile account number (including check digit) and amount Agent enters his/her PIN System credits customers account for the same amount Agent issues a receipt to the customer System sends an SMS to the customers mobile For security reason, customer needs to check the sending number of SMS and the amount. SMS will be sent from 16216

What is transaction limit ? There may be scarcity of cash at agent points. We want to serve as many customers as possible from each agent points. On the other hand, it is required to minimize fraudulent loss, if any. To arrest all the above, a transaction limit in terms of frequency and amount have been set in the system. Current limit for the customers are as under: Cash-in frequency per day = 5 times Cash-out frequency per day = 5 times Cash-in / cash-out amount per transaction = 5,000/Cash-in frequency per month = 20 times Cash-out frequency per month = 20 times

How to check your account balance? Customer initiates the transaction from his/her own mobile DBBL system sends prompt menu to the customers mobile (or IVR Call): Please enter your 4-digit PIN to know your balance or press Cancel button to cancel the request Customer enters his/her PIN System sends the balance into his/her mobile

How to change PIN? Customer initiates the process from his/her own mobile. DBBL system sends prompt menu to the customers mobile (or IVR Call): Please enter your existing 4-digit PIN to proceed or press Cancel button to cancel the request Customer enters his/her existing PIN DBBL system asks for new 4-digit PIN Customer enters his/her new PIN The PIN is changed

What is Salary/Allowance Disbursement? It is a process by which Corporate Office can disburse the salary of their employees and Government can disburse different allowances like elderly allowance, freedom fighter allowance to the people within a few moment in a hassle free way. How it works? Corporate Office/ Government will send the list of mobile account numbers (including check digit) and monthly salary/allowance to DBBL DBBL will credit all the individual accounts by debiting corporate account centrally by a batch process system The employee/beneficiary will get an SMS regarding the transaction The employee/beneficiary can go to any agent or DBBL ATM or DBBL Branch for withdrawal of money

Benefits of Corporate Office/Government? Time savings Cost savings No need of extra manpower Probability of error is very low Instant service is ensured

Benefits of employee/beneficiary? Instant credit to the account No hassle to collect salary/allowance No queue Money can be withdrawn from any agent or DBBL ATM or DBBL Branch

How foreign remittance can be sent to Mobile Account? Exchange houses at abroad receive remittance against beneficiarys mobile account number Exchange houses send the mobile account number and the amount to DBBL DBBL will centrally credit the amount against respective mobile account The beneficiary will get an SMS regarding such transaction. The beneficiary can go to any agent or DBBL ATM or DBBL Branch for withdrawal of money

Fees & Service Charges

Registration Fee Cash-in Charges

: Free : 1% of the transaction amount or Tk.5/-, whichever is higher : 2% of the transaction amount or Tk.10/-, whichever is higher. : Free for customer : Free for customer : Free : Free : Free

Cash-out Charges

Merchant Payment Mobile Top-up Salary Disbursement Allowance Disbursement Remittance Disbursement

To know more, please dial our call centre at: 16216.

Dutch-Bangla Bank Limited