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Citizens Smart is a user friendly mobile banking app and is available for all major smartphone platforms and supports both the SMS and GPRS access channels giving you the option to use either one depending on the availability of network and internet access Following are the features of services of Citizens Smart.
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Features of Citizen Smart |
- Account Dashboard which links linked account information
- Biometric Login Security using Fingerprint for both Login and Transaction Pin.
- Graphical Statement and Account Dashboard
- Payment to different Merchant Outlets using QR Code
- Fund transfer using QR Code
- Easy to navigate Bank's Branches/ ATMs, Exchange rate, Contact
- Credit Card Bill payments
- Mobile Top up viz. NTC Prepaid/Postpaid, Ncell Prepaid/Postpaid, NT Landline, ADSL, Dishhome, SimTv, SmartCell
- Recharge Cards viz. NT GSM, NT CDMA, Dishhome, Broadlink internet, SmartCell
- Load eSewa Wallet
- Personalized QR Code
- Electricity/Airlines/Internet/Dmat/MeroShare/TV/Education Fees/Water Bill payment
- Banking services without internet (SMS Banking)
- Engaging Promotion banners
- Get exciting offers and discounts
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Mode of Usage |
The customers can either use plain text based SMS or Menu driven application to use Smart Banking Services. All types of mobile users can avail the text based SMS services. You can find applications for Menu based Smart Bank from following URL (list of mobile banking keyword)
Citizen Mobile Banking Charges & Fees
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Registration charge |
Renewal Charge |
For Individual Accounts |
250 |
250 |
For Corporate/institutional |
350 |
350 |
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Inter Bank Fund Transfer Charge |
IBFT Charge |
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IPS Charge |
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Charge Slab |
Amount |
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Charge Slab |
Amount |
Rs. 100 to Rs. 1000 |
Rs. 10 |
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Up to 500 |
Rs.2 |
Rs. 1001 to Rs. 10000 |
Rs. 20 |
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Above 500 to 5,000 |
Rs. 5
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Rs. 10001 to Rs. 20000 |
Rs. 30 |
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Above 5,000 to 50,000 |
Rs. 10 |
Rs. 20001 to Rs. 30000 |
Rs. 40 |
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Above 50,000 |
Rs. 15 |
Rs. 30001 to Rs. 40000 |
Rs. 50 |
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Rs. 40001 to Rs. 50000 |
Rs. 60 |
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Rs. .75 |
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Transaction Limit |
Mobile Banking Limit |
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S.N |
Limit |
Per Txn Limit |
Per Day Limit |
Per month Limit |
1 |
Fund Transfer |
Rs. 100,000.00 |
Rs. 100,000.00 |
Rs. 1,000,000.00 |
2 |
Merchant Bill Payment /QR |
Rs. 100,000.00 |
Rs. 100,000.00 |
Rs. 1,000,000.00 |
3 |
Load Wallet |
Rs. 25,000.00 |
Rs. 100,000.00 |
Rs. 500,000.00 |
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