Watch the video to know about mPay Registration Process

The facility shall be available to pre-paid as well as post-paid mobile subscribers subject to condition that SMS service should be active on the number. The facility shall be available through GPRS / Wi-Fi (Internet).

Mobile banking application is compatible on Android and IOS phones with Internet facility.

The following new services have been made available through New Mobile Banking Application:

  1. Online registration using Debit card
  2. Fund transfer within Bank to other Accounts
  3. Mobile to Mobile Funds Transfer
  4. Interbank Fund Transfer using NEFT and RTGS.
  5. Funds Transfer using IMPS  
  6. Balance Inquiry
  7. Mini Statement
  8. Cheque Status
  9. Cheque Stop
  10. Personalized Dashboard
  11. Upload Profile Picture
  12. Upload Wallpaper
  13. Reset MPIN online using Debit Card
  14. Reset Application Password online
  15. Branch Locator Service
  16. ATM Locator Service
  17. Products and Offers

Customer can download J&K Bank Mobile Banking App from their respective App Store and install the same on his / her mobile handset.

  1. After opening the App customer would be asked to enter his/her:
    1. Debit Card Number
    2. Debit Card Expiry Date
    3. Debit Card 4 digits PIN
  2. This information will be validated by the bank. If successful, an OTP will be send to customer on same mobile number through which he is registering, provided the mobile number is the same as the number registered with the bank
  3. Subsequently, the Customer will be prompted to enter his OTP.  Once the OTP is validated, the customer will be registered successfully for J&K Bank mobile banking and default MPIN will be sent to the mobile number via SMS
  4. In case the mobile number being used for registration is different from the one registered with the bank, then the customer’s request for registration will be declined.
  5. The app has no user id. It works on two pins: LOGIN Password and MPIN which are both 4 digits.
  6. LOGIN Password  is set by customer himself to a 4 digit number
  7. The default 4 digit MPIN received via SMS needs to be changed mandatorily to complete the registration.
  8. All the accounts of the customer shall be available for transactions.
For any issues, please contact Helpdesk on 18001800234 or mail your queries on