Internet Banking

Internet banking provides services similar to mobile banking through a web browser, and it is often preferred by businesses for larger and bulk transactions. Common services include account statements, fund transfers, bulk salary and vendor payments, bill and tax payments, fixed deposit opening, LC and guarantee requests for corporate clients, and service requests.

Retail internet banking is aimed at individuals, while corporate internet banking supports multiple users, maker-checker approval workflows and higher limits.

Security measures include a username and password, OTP or hardware token as a second factor, encrypted (HTTPS) connections, session timeouts and transaction alerts. Under NRB's directives, banks must apply strong customer authentication, set transaction limits and maintain IT security controls.

The main risks are phishing websites that imitate the bank's login page, malware and weak passwords. Internet banking, mobile banking and digital wallets together are referred to as electronic or digital banking channels.

NRB caps transactions through a bank's web application at Rs 20 lakh per day, with the same exemptions as mobile banking, such as government payments, utility bills and transfers between one's own accounts. The fee for an interbank fund transfer through internet banking is capped at Rs 10 per transaction.

इन्टरनेट बैंकिङले वेब ब्राउजरमार्फत मोबाइल बैंकिङजस्तै सेवा दिन्छ र ठूला तथा बल्क कारोबारका लागि व्यवसायीले बढी प्रयोग गर्छन्। सेवाहरू: खाता विवरण, रकमान्तर, बल्क तलब तथा आपूर्तिकर्ता भुक्तानी, बिल र कर भुक्तानी, मुद्दती निक्षेप खोल्ने, कर्पोरेट ग्राहकका लागि प्रतीतपत्र र जमानत अनुरोध।

खुद्रा र कर्पोरेट इन्टरनेट बैंकिङ हुन्छ; कर्पोरेटमा बहुप्रयोगकर्ता र मेकर-चेकर स्वीकृति हुन्छ। सुरक्षा: युजरनेम-पासवर्ड, OTP वा टोकन, HTTPS, सत्र समाप्ति र कारोबार सूचना। मुख्य जोखिम नक्कली (फिसिङ) वेबसाइट, मालवेयर र कमजोर पासवर्ड हुन्।

बैंकको वेब एप्लिकेसन (इन्टरनेट बैंकिङ) मार्फत हुने कारोबारको अधिकतम सीमा प्रतिदिन रु २० लाख हो। सरकारी भुक्तानी, महसुल भुक्तानी र आफ्नै खाताबीचको रकमान्तर जस्ता मोबाइल बैंकिङमा जस्तै छुटहरू यसमा पनि लागू हुन्छन्। इन्टरनेट बैंकिङबाट अन्तरबैंक रकमान्तर गर्दा प्रतिकारोबार बढीमा रु १० शुल्क लिन सकिन्छ।