USSD-based mobile banking enables you to send money, check account balance, mini statement and more without internet connectivity.India is gradually moving towards becoming a cashless economy, and the recent demonetization of old currency notes is serving as a catalyst in achieving PM Narendra Modi’s dream of Digital India. With the ongoing cash crunch due to shortage of new currency notes, a lot of smartphone users have already moved to digital wallets for paying at food courts, fast-food outlets and petrol pumps, or for making landline and electricity bill payments, mobile, DTH and data card refill, and more. UPI-based apps have also started getting traction where customers can easily pay for services, send and receive funds using their smartphone. But what about people, especially in rural areas, who don’t own a smartphone, nor have access to the internet? Well, USSD-based mobile banking has got them covered.The service aims to make mobile banking easier for rural users, especially the non-English speaking ones. It is available in 11 regional languages .First and foremost, you need a phone, a bank account and your mobile number registered for mobile banking. In case your phone number isn’t registered with your bank, you’ll have to visit the branch and fill-up a form to register and link it with your bank account. Once that is done, you’ll have to generate Mobile Money Identifier (MMID) number. It is a random seven-digit number issued by the bank. The MMID is usually sent to you by the bank after you register for mobile banking.You can also retrieve the MMID by sending an SMS, or by logging into your bank’s internet banking portal. However, the number for sending an SMS differs from one bank-to-the other, and so do the options on internet banking portals. I’d recommend giving a call to your bank’s customer care service as ask them for MMID. Along with the MMID, you’ll also need the MPIN (a four-digit code to authorize transitions). Once you get the default MPIN, you’ll have to change it to any four digits of your choice
How to transfer money using USSD short codes
Step 1: Dial *99#, type bank name, and when the interface opens, enter ‘3’ and tap send.
Step 2: Enter beneficiary mobile number.
Step 3: Enter beneficiary MMID, which you will have to get from the person you are sending money to.
Step 4: Next, you need to enter amount and remarks (separated by space). For instance, I transferred Rs 5 to test how this works, so it looks like “5 Test”
Step 5: In the final step, you have to enter your MPIN to authorize the transaction and last 4 digits of your account number (separated by space), and tap on send. That’s it, once your transaction is authorized, the money will be instantly credited to the recipients account.
आप इसे डायल करके अपने बैंक अकाउंट का निम्न चीजें कर सकते हैं
Send Money Using MMID
Send Money Using IFSC
Supported Bank List for USSD Banking --
HSBC,HDFC bank,ICICI bank,Indian bank,ING Vysya Bank,Karnataka Bank,Karur Vysya Bank,Kotak Mahindra bank,Lakshmi Vilas Bank,Lord Krishna Bank,Maharashtra Bank,NABARD,ABN AMRO,Allahabad bank,American Express,Andra bank,ANZ Bank,Axis bank,Citibank,Corporation Bank,DBI bank,DCB Bank,Dena Bank,Deutsche Bank,Dhanlaxmi bank,Federal Bank,Oriental Bank of Commerce,Punjab And Sind Bank,Punjab national bank,SBH,South Indian Bank,Standard Chartered Bank,State Bank of Bikaner and Jaipur,State Bank of Hyderabad,State Bank of india,State Bank of Indore,State Bank of Mysore,State Bank of Patiala,State Bank of Travancore,Syndicate bank,Tamilnad Mercantile Bank,UCO bank,union bank of india,Vijaya bank,Yes bank,Bank of baroda,Bank of india,Bank of Maharashtra,Barclays Bank,Bhartiya Mahila bank,Canara bank,Cash Tree,Cashnet India,Central bank of india,Centurion Bank of Punjab.
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USSD Banking for all Banks *# is a free software application from the Accounting & Finance subcategory, part of the Business category.
The app is currently available in English and it was last updated on 2016-12-27. The program can be installed on Android.
USSD Banking for all Banks *# (version 1.0) is available for download from our website.
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