J2ME



Away from home, bills can be paid or money sent to the loved ones or balance enquiries done anytime 24x7 !!!That is what SBI FreedoM offers -convenience, simple, secure, anytime and anywhere banking.

The service is presently available on java enabled mobile phones over SMS/ GPRS/ WAP as also non java phones with GPRS connection. The service can be availed over the free GPRS facilities offered by various mobile service providers. The services for other non-Java mobile phones are under development and will be offered using Unstructured Supplementary Services Data (USSD).

The following functionalities will be provided in the Phase I :

-Funds transfer (within and outside the bank using NEFT)

-Enquiry services (Balance enquiry/ Mini statement)

-Request services (cheque book request)

-Bill Payment (Utility bills, credit cards)

-M Commerce (Mobile Top Up, Merchant payment, SBI life insurance premium)

Business Rules Governing Mobile Banking Services:

* The Mobile Banking Service will be available to all the customers having a satisfactory running account (Current/ Savings). The customers will have to register for the services.
* Daily transaction limits for fund transfer and bill/ merchant payment will be Rs.5000.00and Rs.10,000.00 respectively per customer with an overall calendar month limit of Rs.30,000.00
* The service will be carrier-agnostic i.e. all customers can avail the mobile banking service with the Bank irrespective of the service provider for their mobiles.
* The service is free of charge. However, the cost of SMS / GPRS connectivity will have to be borne by the customer.