1. Customer has to visit Andhra Bank ATM and register for Mobile Banking Services. The procedure to be followed registration at ATM is provided in Annexure-1.
2. After  successful registration,  Customer  receives  a receipt  which  contains mPIN (transaction password) and Application Password (login password). 
   
3. Customer has to download the Mobile Banking Application through URL given in the SMS to the Mobile and save the same in the mobile
   The customer has to download the application by clicking the URL link in the SMS message
   
   1. http://mobile.fssnet.co.in/MPAYPORTAL/MobileDownload and downloads the Mobile Banking application to his/her Mobile.
   2. If any issue in downloading application through above process, customer can also login to the portal http://mobile.fssnet.co.in/MPAYPORTAL/ through Internet  by giving his mobile number and application password received and  can download the application.
   
   
4. Now the system will prompt the customer for changing Application Password.
   
5. On successful changing of Application Password, system will prompt for changing the MPIN. Then it will ask the customer to choose the communication mode (GPRS/SMS). On selection of the Menu option, the Mobile Banking Menu will be displayed.    
   

1) Balance Enquiry
Customers can view the balance in the account which has been registered for mPAY.

2) Mini Statement
             Last 9 transactions (both credit and debit legs)  in the registered account can be viewed using this option.

3) Funds Transfer

(A) Within our Bank
       
(i) Mobile to Mobile

For using Mobile to Mobile fund transfer facility, beneficiary should also be a registered mPAY customer and needs to give the mobile number of the beneficiary at the time of registration.

(ii) Mobile to Account

Customers can transfer funds to any of the Andhra Bank accounts. In this case, beneficiary need not be a mobile banking customer

(B) Other Bank]

Bank has provided IMPS services to our customers through NPCI for remitting funds to and receives funds from other bank account holders. Interbank Mobile Payment Service (IMPS) is an instant real time interbank electronic fund transfer service through mobile phones. It facilitates customers to use mobile phone as a channel for remitting funds to accounts in other banks. The pre-requisites for fund transfer through IMPS is both the remitter and beneficiary needs to register their mobile phones with their bank account and get the MMID upon registration. MMID (Mobile Money Identifier) is a seven digit code issued by the participating banks to their customers for availing IMPS services.
       
MMID Generation :The MMID can be generated in two ways:

For using Mobile to Mobile fund transfer facility, beneficiary should also be a registered mPAY customer and needs to give the mobile number of the beneficiary at the time of registration.

(i)Using mPAY Application:

Mobile banking customers of the bank can generate the MMID using the mPAY application available in their handset through the option FUND Transfer à Other Banks à IMPS à Generate MMID

(ii)Using SMS Tags:

For availing IMPS facility in case of non-mobile banking customers, their mobile number should be registered with the bank for SMS alerts. For getting the MMID, the customer needs to send SMS as <MMID> to 9223173924. This is required for receiving funds from other bank customers.

The Procedure for fund transfer through IMPS

(i)Using mPAY Application:

1. Funds can be remitted to other bank accounts using the option Fund Transfer à Other Banks à IMPS à Quick IMPS. Customers can use this facility for one time remittance of funds. Customers have to enter the beneficiary mobile number, MMID and Amount for transfer of funds.


2. Customers can also register beneficiary details for repetitive payments by giving beneficiary Mobile number, MMID and Nick Name using the option Fund Transfer à Other Banks à IMPS à Register IMPS.
3. Payment:
   Customer has to select the beneficiary (to whom funds to be transferred) from the list which will appear in the screen.


4. Beneficiary De-Registration:
   Customers can de-register the already added beneficiary using this option.

(ii) Using SMS Tags:

This facility can be used by the customer who has registered for Mobile Banking and not installed the application in handset The syntax for remitting funds using SMS tags is:

IMPS<Space><Beneficiary Mobile Number><Space><Beneficiary MMID><Space><Amount><Space><MPIN>

Where <Space> stands for one blank space.

IMPS Fund Transfer Limit

There is a daily cap of Rs. 50,000/- for customers who is remitting funds using the mPAY application and Rs. 5000/- for other customers who is availing the facility through SMS Tags. The charges for SMS and GPRS are as per the tariff provided by each service provider.

4) My Services

1. Mobile RechargeCustomers can do mobile recharge for any prepaid/postpaid mobile number for the amounts  between Rs. 10/- and Rs. 1,000/-
2. Movie Ticketing :Customer can book movie tickets using this option.
3. Temple Donation: At present customers can donate funds to Tirumala Tirupathi Devasthanam (TTD) and Shridi SaiBaba Samsthan
4. Other Services
   Stop Cheque :
   Enter mPin and cheque number. Get successful message if cheque is not already paid.
   Cheque Status :
   Enter mPin and cheque number. Get the successful message on status of the cheque.

4) My Setup

1. Enable or Disable Transactions: Enable or disable the transactions in your application.
2. mPAY service Number: Two Service Numbers are provided. Please do not change it.
3. Save Inbox in  Memory: Select YES in order to save the message received in the  inbox.
4. Communication Mode: Can be set as either GPRS or SMS according to customer requirement.
5. Re-Activate Application: Customers can re-activate the disabled application using this      option.
6. Configure E-Mail Id: This used to capture the email id of the customer. This will be useful at the time of Movie Ticketing.
7. Change mPIN:  If customer wants to change the mPin, select this option. Then enter the old mPin, new mPin, then re-enter the new mPin, Click ‘Yes’ for “Allow application ABmobile to send text message?”.
8. Inbox: Inbox includes last five responses received.

After inserting the card in ATM, the following screen will be displayed.

Customer has to select the type of transaction

On selection of SERVICES, ATM prompts the customer to select the language.

After selection of Language, customer has to enter the ATM PIN

After the PIN is entered, ATM will display the options available under

“SERVICES” and prompts the customer to select the transaction type.

       Select MOBILE BANKING option.

  In MOBILE BANKING Sub Menu, customer has to select REGISTRATION option.

MOBILE REGISTRATION SCREEN

  Customer has to select AGREE option to continue

Customer has to enter his TEN DIGIT mobile number. Press CORRECT button to continue

ATM will prompt the customer to re-enter the mobile number

Customer has to select the Account Type

TRANSACTION COMPLETE SCREEN

SMS Tags messages for Mobile Banking (m-Pay) :: SMS to be sent to Mobile Number

The following terms and conditions apply to and regulate the operation of Mobile Banking Facility offered by Andhra Bank to its customers .These terms and conditions shall be in addition to and not independent of any other terms as stipulated by Andhra Bank from time to time for the relative deposit account(s).

In these terms & conditions, the following terms shall have the meaning set below unless the context indicates otherwise.

‘Andhra Bank’ shall mean a body corporate constituted under The Banking Companies(Acquisition and Transfer of Undertakings) Act 1980 – and having its Head Office at 5-9-11, Dr. Pattabhi Bhavan, Saifabad, Hyderabad - 500 004.

‘Primary Account’ means the main account of the customer for which the facility is being offered.

'Accounts’ shall mean Savings Bank/Current Account or any other type of account so maintained by the customer with Andhra Bank for which the facility is being offered or may be offered in future.

‘Customer’ shall mean a customer of Andhra Bank or any person who has applied for any Product/service of Andhra Bank.

‘Alerts’ or ‘Alert Facility’ means the customized messages based on triggers sent as Short Messaging Service (SMS) over mobile phone to the account holders on the mobile no. provided by the customer.

‘Alert/Push Facility’ shall mean the service provide by Andhra Bank, wherein, the customer can obtain specific information pertaining to his account on his mobile number.

‘Batch Alerts’ are SMS alerts such as weekly or monthly balance update etc. These alerts are sent in batches.

‘Pull Alerts Facility’ shall mean the facility through which the customer will make request about his account by sending key words through SMS to mobile phone number provided by Andhra Bank for the purpose.

‘Mobile Phone Number’ shall mean the number specified by the customer in writing either through application form provided by Andhra Bank or otherwise for the purpose of availing the facility.

‘mPIN (Mobile PIN)’ shall mean a secret numeric or alpha numeric password usually consisting of four characters shared between a user and a system that can be used to authenticate the user to the system

‘Personal information’ shall mean the information about the customer obtained in connection with the facility.

‘Triggers’ means the customized triggers that are required to be set by the customer with Andhra Bank which shall enable Andhra Bank to send the Alerts relating to his account. ‘Website refers’ to www.andhrabank.in or any other website as may be notified by Andhra Bank from time to time.

‘Debit/ATM Card‘refers to the Debit/ATM cards issued by Andhra Bank to its customers
In this document all the reference to customers in masculine gender shall be deemed to include the feminine gender also.

To receive alerts, the customer may submit an application in a prescribed format as applicable or by any other mode as notified by Andhra Bank from time to time. The customer shall be required to acquaint himself with the detailed process for using mobile alerts and Andhra Bank shall not be responsible for any error made by the customer while setting the triggers.

Any customer availing the facility will be provided with alert facility and / or request facility as may be decided by Andhra Bank from time to time. Keywords for various information requests shall be as may be provided for from time to time including on the application forms available at Andhra Bank branches or on the web site.

Andhra Bank will not acknowledge receipt of any instructions or triggers nor shall Andhra Bank be responsible to verify any instructions or. Andhra Bank will endeavor to give effect to instructions and triggers on a best effort basis and as soon as practically possible for Andhra Bank.

Andhra Bank may, in its discretion, not give effect to any triggers if Andhra Bank has reason to believe (which decision of Andhra Bank shall be binding on the customer) that the Triggers are not genuine or otherwise improper or unclear or raise a doubt or in case any triggers cannot be put into effect for any reasons whatsoever. The customer is responsible for intimating to Andhra Bank any change in his Mobile Phone Number.

The customer acknowledges that to receive alerts, his mobile phone number must be active and accessible. The customer acknowledges that if the customer’s mobile phone number remains inaccessible for a continuous period (such period dependent upon service providers) from the time an Alert message is sent by Andhra Bank, that particular message may not be received by the customer.

Triggers will be processed by Andhra Bank after receipt and Andhra Bank shall have the discretion to determine the time taken to process such request.

Andhra Bank will endeavor to deliver the services offered from time to time as per the timelines furnished below.

The customer shall acknowledge that the facilities provided is dependent on the infrastructure, connectivity and services provided by service provider engaged by Andhra Bank. The Customer accepts that timelines, accuracy and readability of Alerts sent by Andhra Bank will depend on factors affecting other service providers engaged by Andhra Bank. Andhra Bank shall not be liable for non delivery or delayed delivery of alerts/services, error and loss or distortion in transmission of alerts to the customer.

The customer accepts that each Alert may contain certain Account information relating to the customer. The Customer authorizes Andhra Bank to send account related information, though not specifically requested, if Andhra Bank deems that the same is relevant. Andhra Bank shall not be held responsible for the confidentiality, secrecy and security of the personal or Account information being sent through the facility.

Subject to RBI guidelines / regulations in force the customer accepts that he will be responsible for keying in the correct details which are required to make fund transfers through the abovementioned facility; such details being specified by Andhra Bank from time to time. In no case, Andhra Bank will be held liable for any erroneous transactions arising out of or relating to the customer keying in erroneous details required to make fund transfers though the abovementioned facility.

Andhra Bank shall specify from time to time the upper limit that may be transferred by the customer for the abovementioned facility.

If the abovementioned facility is made available to the customer, it may be used for transfer of funds from his account to his other accounts or to other accounts belonging to third parties maintained at Andhra Bank . However, this facility may be extended to other accounts maintained at any other Bank which falls under the network of Reserve Bank of India’s National Electronic Fund transfer system or Real Time Gross Settlement (RTGS) system. The liability of Andhra Bank shall only commence subsequent to the debit in the customer’s account.

The customer irrevocably and unconditionally authorises Andhra Bank to access all his accounts for effecting banking or other transactions of the customer through the facility. The customer further authorises Andhra Bank to share the Account Information with Third party for the purpose of accepting / executing request of the customers

The customer undertakes to provide accurate information wherever required and shall be responsible for the correctness of information provided by him to Andhra Bank at all times including for the purposes of availing of the facility. Andhra Bank shall not be liable for consequences arising out of erroneous information supplied by the customer.
While Andhra Bank will take all reasonable steps to ensure the accuracy of the information supplied to the customer, Andhra Bank shall not be liable for any inadvertent error, which results in the providing of inaccurate information. The customer shall hold Andhra Bank harmless against any loss, damages etc., that may be incurred / suffered by the customer if the information supplied to the customer turns out to be inaccurate / incorrect.

The user/customer also undertakes to delete all the messages relating to the service from the INBOX/Sent items folder of the mobile phone.

In case the mobile phone is lost/stolen, customer has to in inform the mobile service provider about the loss of his phone and get his/her SIM de-activated. Once the SIM is de-activated, then the facility cannot be availed. Customer also as a security measure, inform the Bank about the loss of the mobile.

In case the customer changes his mobile number, he will have to get the original number de-registered by informing the Bank. The new number is to be registered by following the procedure for registering for the facility.

Andhra Bank shall not be responsible for any failure on the part of the Customer to utilise the Facility due to the Customer not being within the geographical range within which the Facility is offered;

If the Customer has reason to believe that his mobile phone number is / has been allotted to another person and / or there has been an unauthorized transaction in his account and / or his mobile phone is lost, he shall immediately inform Andhra Bank under acknowledgment about the same

The Customer agrees that Andhra Bank shall not be liable if

1. the Customer has breached any of the terms and conditions herein or
2. the Customer has contributed to or the loss is a result of failure on part of the Customer to advise Andhra Bank within a reasonable time about unauthorised access of or erroneous transactions in the Account; or
3. as a result of failure on part of the Customer to advise Andhra Bank of a change in or termination of the Customer's Mobile Phone numbers.
   

The Customer agrees that the access to the Facility shall be only through the Mobile Phone Number and any transaction which originates from the same, whether initiated by the Customer or not, shall be deemed to have originated from the Customer.

Under no circumstance, Andhra Bank shall be held liable if the Facility is not available for reasons including but not limited to natural calamities, legal restraints, system error, faults in the telecommunication network or network failure, or any other reason beyond the control of Andhra Bank. Andhra Bank shall not be liable under any circumstances for any damages whatsoever whether such damages are direct, indirect, incidental consequential and irrespective of whether any claim is based on loss of revenue, interruption of business or any loss of any character or nature whatsoever and whether sustained by the Customer or by any other person. Illegal or improper use of the Facility shall render the Customer liable for payment of financial charges as decided by Andhra Bank or will result in suspension of the Facility to the Customer.

Andhra Bank is in no way liable for any error or omission in the services provided by any cellular or any third party service provider (whether appointed by Andhra Bank in that behalf or otherwise) to the Customer, which may effect the Facility

Andhra Bank, does not warrant the confidentiality or security of the messages whether personal or otherwise transmitted through the Facility. Andhra Bank makes no warranty or representation of any kind in relation to the system and the network or their function or performance or for any loss or damage whenever and howsoever suffered or incurred by the Customer or by any person resulting from or in connection with the Facility.

Without limitation to the other provisions of this terms and conditions, Andhra Bank, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the Customer or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of Andhra Bank in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the Customer and the network of any cellular service provider and Andhra Bank system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the Customer, Andhra Bank system or the network of any cellular service provider and/or any third party who provides such services as is necessary to provide the Facility.

Notwithstanding anything in the contrary provided in this terms and conditions, Andhra Bank shall not be involved in or in any way liable to the Customer for any dispute between the Customer and a cellular services provider or any third party service provider (whether appointed by Andhra Bank in that behalf or otherwise).


The Customer agrees that Andhra Bank and / or its Affiliates may hold and process his personal information concerning his Accounts on computer or otherwise in connection with the Facility as well as for analysis, credit scoring and marketing. The Customer also agrees Andhra Bank may disclose, in strict confidence, to other institutions, such information as may be reasonably necessary for reasons inclusive of but not limited to the participation in any telecommunication or electronic clearing network, in compliance with legal directive, for credit rating by recognized credit scoring agencies, and for fraud prevention.

The Customer shall not interfere with or misuse in any manner whatsoever the Facility and in the event of any damage due to improper or fraudulent use by the Customer, the Customer shall be liable for damages to Andhra Bank

Andhra Bank will not be liable for

1. Any unauthorized use of the customer’s identification number or
   
2. Mobile Phone number / instrument or unauthorized access to e-mails received at his notified email address for any fraudulent duplicate or erroneous instructions / triggers given by use of the same.
3. Acting in good faith on any instructions / triggers received by the Bank
4. Error, default, delay or liability of the bank to act on all or any of the instructions / triggers
   
5. Loss of any information / instructions / alerts in transmission
6. Unauthorized access by any other person to any information / instructions / triggers given by the customer or breach of confidentially.

Andhra Bank shall not be concerned with any dispute that may arise between the customer, the CSP and any other party and makes no representation or gives no warranty with respect to the quality of the service provided by the CSP or guarantee for timely delivery or accuracy of the contents of each alert.

Andhra Bank shall not be held liable in the event that the mobile phone company / mobile phone service provider fails, for any reason whatsoever, to reload the prepaid airtime of the customer. The customer agrees that any complaint in connection with the reload service shall be referred to and addressed by the mobile phone company / service provider.

In consideration of Andhra Bank providing the facility, the customer agree to indemnify and keep safe, harmless and indemnified Andhra Bank from and against all actions, claims, demands, proceedings, loss, damages, costs, charges and expenses whatsoever Andhra Bank may incur, sustain, suffer or be put to at any time as a consequence of acting on or omitting or refusing to act on any instructions given by use of the facility. 

The customer hold Andhra Bank its affiliates, harmless against any loss incurred by the customer due to failure to provide the services offered under the facility or any delay in providing the services due to any failure or discrepancy in the network of the cellular service provider. 

The Customer agrees to indemnify and hold Andhra Bank harmless for any losses occurring as a result of

1. The customer permitting any third parties to use the facility.
2. The customer permitting any other person to have access to his mobile phone or as a consequence of leaving the mobile phone unattended or loss of mobile phone.

As an introductory offer, the facility is currently being made available by the Bank to the customers free of cost. However, Andhra Bank has the absolute discretion to amend the fees at any time and will endeavor to give prior notice by letter or by displaying on the website or by any other means depending upon the discretion of Andhra Bank, whichever feasible.

Andhra Bank has the absolute discretion to amend or supplement any of the terms and conditions at anytime and will endeavor to give prior notice of fifteen days by letter or by displaying on the website depending upon the discretion of Andhra Bank, whichever feasible, and such amended terms and conditions will thereupon apply to and be binding on the customer.

The customer may request for termination of the facility any time by giving a written notice of at least 15 days to Andhra Bank. The said period of 15 days should be reckoned from the date of receipt of the notice by the bank. The customer will remain responsible for any transactions made through his mobile phone number through the facility till the time of such cancellation of facility by the bank. 

Andhra Bank may, at its discretion, withdraw temporarily or terminate the facility, either wholly or in part, at any time. Andhra Bank may, without prior notice suspend temporarily the facility at any time during which any maintenance work or repair is required to be carried out or in case of any emergency or for security reasons, which requires the temporary suspension of the facility. Andhra Bank shall endeavor to give a reasonable notice for withdrawal or termination of the facility. The closure of all Accounts of the customer will automatically terminate the facility.

Any dispute or differences arising out of or in connection with the facility shall be subject to the exclusive jurisdiction of the Courts of Hyderabad