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NBBL EBanking

Introduction:

NBBL EBanking is a service that the Bank makes available through internet to customers. It enables the customer to perform banking activities via the internet using web browser. It uses internet as delivery channel to communicate with banks server.

Product Description:

NBBL EBanking service facilitates Nepal Bangladesh Bank’s customers to conduct banking services electronically without visiting the bank. It facilitates customers to bank 24/7. The purpose of NBBL EBanking is to provide all time hassle free banking service to valued customer through internet.  There are two different segment:

  • Individual: It tailors to banking need of individual customer and sole proprietor.
  • Corporate: It tailors to banking need of organizations/ institutions.

Individual Module:

This module facilitates individual and sole proprietor to conduct banking transaction.

Features of Individual EBanking Module:

Account Management Transaction Management
  • Account Information (View account balance, switch account, recent activities)
  • Account Statement
  • Transaction History
  • Payment History
  • Manage Link Account
  • Track Spending
  • Fund Transfer (Inter and Intra-Bank)
  • Top up and Utiliti Payment
  • Waller Load
  • Merchant Payment
  • Credit Card Bill Payment

Corporate Module:

Corporate NBBL EBanking is a single-window banking solution to our corporate clients. It allows execution of banking transaction anytime from anywhere. It helps companies cut paperwork and assist organizational operations with great efficiency. Moreover, it can be useful in managing payroll/ salary account of the company.

Features of Corporate EBanking Module:

Account Management Transaction Management
  • Account Information (View account balance, switch account, recent activities)
  • Account Statement
  • Transaction History
  • Payment History
  • Manage Link Account
  • Track Spending
  • Transaction Approval Hierarchy
  • Fund Transfer (Inter and Intra-Bank)
  • Salary Payment
  • Top up and Utiliti Payment
  • Waller Load
  • Merchant Payment

Security:

  • EBanking uses secured channel (HTTPS) using SSL and 128-bit encryption.
  • User name and password is required to login. The password is end to end protected using 3DES Keys.
  • 2 Factor Authentication (2FA) requires to input OTP (One Time Password) which is sent to registered email and mobile number for all key transactions.
  • Session time out will terminate all activities when it is ideal or inactive for default ideal time to safeguard against unauthorized access to the account.

Eligibility:

Customer should maintain their account on Nepal Bangladesh Bank. Customer shall be registered upon self-declaration providing their valid account number, email address and phone number. Customer should be literate to avail NBBL EBanking transaction facility. However, for illiterate customer view only option can be provided (transaction facility not allowed). Children below 18 years are not eligible to register in NBBL EBanking.

  • Eligibility criteria for children/ minor account holders
    In case of children/ minor accounts person who are authorized can avail NBBL EBanking full feature (both view and transaction)
  • Eligibility criteria for joint account holders
    In case of joint account holders, the NBBL EBanking service with transaction facility shall be provided only in case where the account operation in single signatory.
  • Eligibility criteria for account mandates
    Balance and statement view can be provided to all account holders.
  • Eligibility criteria for company account
    Branch must obtain board minute mentioning the approval for obtaining online NBBL EBanking service and explicit declaration that the company is sole responsible for any financial loss that may arise due to use of this service. The minute must include the account number, email address and phone number of the authorized person to create user in NBBL EBanking.  

Special approval must be taken to avail NBBL EBanking who do not meet above eligibility criteria.

Transaction Limit

The transaction limit is set accordance to NRB directive and management approval. At the time of product paper is approved the fund transfer limit is mentioned below:

Title Amount
Minimum Amount Per TXN 100
Maximum Amount Per TXN 1,000,000
Maximum Amount Per Day 1,000,000
Maximum Amount Per Month 3,000,000
Maximum No. of TXN Per Day (Count) 100

The limit shall be revised time to time or based on the requirement, management approval and NRB directive.

Charges:

As per the approved Standard Tariff Charge of Charges (STC) of the Bank. STC of NBBL EBanking at the time product paper is approved:

Individual

Profiles Charge Amount (NPR)
Registration Renewal Re-pin
NBBL EBanking Free Profile 1 Year 0 200 25
NBBL EBanking Customer View Only 200 200 25
NBBL EBanking Customer Full Feature 200 200 25
NBBL EBanking Sole Proprietor Full Feature 200 200 25
NBBL EBanking Government Account 0 0 0

Corporate

Profile Name Charge Amount (NPR)
Registration Renewal Re-pin
NBBL EBanking Corporate Full Feature 1,000 1,000 100
NBBL EBanking Customer View Only 1,000 1,000 100
NBBL EBanking Corporate Free Profile 1 year 0 1,000 100

**The charges are subject to change upon management decision.

Validity:

The validity of NBBL EBanking service is one-year subject to renewal every year.