MOBILE BANKING THROUGH USSD

What is USSD

Unstructured Supplementary Service Data. USSD establishes a session with the service provider where the exchange of messages can take place over the session till the desired service or information is not received by the user. The best example is in Airtel postpaid services when you dial *121# you instantly get a menu in the screen.

Currently Mobile Service providers in India are using USSD for following things
• Alerts About special offers, services and news
• Balance enquiry
• Changing tariff plan and subscribing to various Value Added services
• Recharging using prepaid vouchers

Features of State Bank FreedoM USSD mode
• Enquiry of balance in account
• Mini Statement – last five transactions
• Transfer of Funds to accounts with SBI
• Mobile Top up

PROCESS OF REGISTRATION TO THE SERVICE

Getting User ID

• Send SMS to 567676
• You will receive User ID and default MPIN over SMS.

Eligibility & Using the Service-

The Service is available to all P segment customers having a Current/ Savings Bank account and accepting the Terms and Conditions of the Service which have been made available at Bank’s website www.statebankofindia.com/www.sbi.co.in. The customers already using Application based/ WAP based Mobile Banking Service will not be permitted to use the Service over USSD. The existing user of the Application / WAP based service, if desirous of using the Service over USSD, should de register from the Application/ WAP based service, before attempting to register under USSD.

Starting the USSD Session.

• Subscribers to Vodafone, Aircel, Idea, Tata Docomo, MTNL (Delhi) - dial *595# or send SMS “SBMBS” to 5616199

You will receive a response “Welcome to State Bank Mobile Banking. Enter your User ID”

Enter your User ID.

If the user ID is entered correctly, you get the following response.

Kindly Reply with your option Number :
1. Enquiry
2. Fund Transfer
3. Mobile Top up
4. Change MPIN.
5. Forgot MPIN
6. De- Register.

Press “Answer” and Choose the Serial No from the above to exercise your option and “send”

If the user ID entered is incorrect, the response will be “Sorry User ID is wrong. Kindly send correct User ID”. If the user ID is entered wrong twice, you will get a response – Sorry you have replied with wrong user ID. Kindly try with correct user ID. The session will expire and you have to restart the session. If the user ID entered is invalid, the response will be “This user ID does not exist. Kindly enter correct User ID”. If the user enters the user ID, which is registered already over Application / WAP based Mobile Banking Service, the response will be “You are already registered for application /WAP based Mobile Banking Service. To use USSD, Please de register from application / WAP based service”.

Validation and Activation

Change MPIN-

• To register for the Service, It is mandatory that you change the MPIN, immediately and accept the Terms and conditions for the Service.
• To choose Change MPIN , Enter 4 and SEND
• The following screen will appear
• I Accept the terms and conditions of State Bank Mobile Banking Services as displayed on website www.sbi.co.in
• Press Answer and enter 1 to accept Terms and Conditions and for changing your MPin. If you enter 2 the session will close.
• Please enter Old MPIN – enter the old MPIN ( Default MPIN received over SMS for first time user) and SEND
• Enter New MPIN – enter a MPIN of your choice. (6 characters/ digits) and SEND
• Confirm new MPIN and SEND.

• You will get a response – “Your MPIN is changed”.
• You will get another message that “validation from the handset successful. Complete registration process at ATM/ Branch.

Activation of your Service at ATM- in this process of registration, the Primary Account linked to the Debit card is enabled for Mobile Banking Service. Under USSD service, the user is enabled for only one account for the Service. If you desire to enable an account other than the primary account of the Debit card, please visit your Branch.

When you activate your service on ATM. Please ensure that you have changed your MPIN before registering at the ATM and have received a message that the “Validation from handset successful. Complete registration process at ATM/Branch”.

Go to ATM and after swiping your Debit Card choose Mobile Registration –Enter your ATM PIN-Mobile Banking – Choose Registration – Enter Mobile Number-Choose Yes after ensuring the correctness of the number entered- Then the Mobile Number entered by you is displayed- Choose Confirm.

Please collect the transaction slip which reads out a message : Mobile Registration Succesful-0

If your transaction slip reads a message” Please complete handset validation, before doing this step-169, it denotes that you have not changed the MPIN to complete the handset validation. Please change the MPIN and wait for confirmation, before visiting the ATM/ Branch.
If the Transaction Slip reads out any other message than the two messages above, it is possible that you have not chosen the option “Mobile Banking” under “Mobile Registration. Please register at the ATM by choosing the option “Mobile Banking” only. If you do not find any such option in the ATM, please bring it to the notice of the Branch Manager.

You will get a SMS “Primary Account nnnnnnnnnnn registered. User: xxxnnn. This message conveys the activation of your account for Mobile Banking Service.

Business Rules

The daily ceiling is Rs1,000 per transaction per customer for fund transfer / Mobile Top up with a calendar month limit of Rs. 5,000 per customer