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).
Customer can download J&K Bank Mobile Banking App from their respective App Store and install the same on his / her mobile handset.
After opening the App customer would be asked to enter his/her:
Debit Card Number
Debit Card Expiry Date
Debit Card 4 digits PIN
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
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
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.
The app has no user id. It works on two pins: LOGIN Password and MPIN which are both 4 digits.
LOGIN Password is set by customer himself to a 4 digit number
The default 4 digit MPIN received via SMS needs to be changed mandatorily to complete the registration.
All the accounts of the customer shall be available for transactions.