Mobile Banking

Mobile banking has become the most widely used digital channel in Nepal. Typical services include balance enquiry and statements, fund transfer within the bank and to other banks and wallets, bill and utility payments, mobile top-up, QR payments at merchants, loan and credit card payments, cheque book requests and stop-payment instructions, and cardless withdrawal.

Early mobile banking used SMS and USSD, which work on basic phones; most services are now app-based with features such as biometric login and interoperable QR. Interbank transfers from mobile banking are routed through switches such as NCHL's IPS and Retail Payment Switch or other PSOs.

NRB regulates mobile banking through its directives on payment systems and IT risk, which cover customer authentication (for example two-factor authentication), transaction limits, fees, data security and grievance handling. Limits and charges are revised from time to time, so the current directive should be checked. Risks include phishing, SIM swap fraud, malware and lost phones, so customers are advised never to share PINs or OTPs.

NRB caps transactions through a mobile banking app, including QR payments, at Rs 3 lakh per day. The cap does not apply to transfers between a customer's own accounts in the same bank, government taxes and fees, utility bills, insurance premiums, Social Security Fund contributions, school fees, payments to licensed stockbrokers and other special payments NRB approves. Banks may charge at most Rs 10 per interbank fund transfer made through the app.

मोबाइल बैंकिङ नेपालमा सबैभन्दा बढी प्रयोग हुने डिजिटल माध्यम बनेको छ। सेवाहरू: मौज्दात र विवरण, आफ्नै र अन्य बैंक तथा वालेटमा रकमान्तर, बिल भुक्तानी, मोबाइल रिचार्ज, क्युआर भुक्तानी, कर्जा र क्रेडिट कार्ड भुक्तानी, चेकबुक अनुरोध र कार्डरहित निकासी।

सुरुमा SMS/USSD मा आधारित सेवा अहिले एपमा आधारित भएका छन्। अन्तरबैंक रकमान्तर नेपाल क्लियरिङ हाउसको IPS वा अन्य PSO मार्फत हुन्छ। नेपाल राष्ट्र बैंकको भुक्तानी प्रणाली र सूचना प्रविधि जोखिम सम्बन्धी निर्देशनले ग्राहक प्रमाणीकरण, कारोबार सीमा, शुल्क, तथ्याङ्क सुरक्षा र गुनासो व्यवस्थापन नियमन गर्छ। PIN वा OTP कसैलाई नदिन सचेत गराइन्छ।

मोबाइल बैंकिङ एप (क्यूआर कोडसमेत) मार्फत हुने कारोबारको अधिकतम सीमा प्रतिदिन रु ३ लाख हो। एउटै बैंकमा आफ्नै खाताबीच रकमान्तर, सरकारी कर तथा शुल्क, बिजुली, दूरसञ्चार र खानेपानी महसुल, बीमा प्रिमियम, सामाजिक सुरक्षा कोषको योगदान, विद्यालय शुल्क, धितोपत्र दलाललाई गरिने भुक्तानी र राष्ट्र बैंकले स्वीकृत गरेका विशेष भुक्तानीमा यो सीमा लागू हुँदैन। एपमार्फत अन्तरबैंक रकमान्तर गर्दा प्रतिकारोबार बढीमा रु १० शुल्क लिन सकिन्छ।