What is *99# Banking?

Cashless Transaction Using *99# Banking

Now a days many banks and private service provider providing cashless payment facility through smart phone to it's customers. Many of them require internet to make a cashless transaction. In these serise, another service make India cashless is *99# mobile banking service from NPCI (National Payments Corporation of India).

*99# is a USSD (Unstructured Supplementary Service Data) based mobile banking service from NPCI (National Payments Corporation of India). Using *99# service, you can access mobile banking services by dialing *99# from your mobile that is registered with the bank.

The maximum limit of fund transfer per customer is Rs.5000 per day using *99# service.

Services Available Under *99#?

Presently, following financial, Non-financial and Value Added Services (VAS) through *99# service;

1. Financial Services � Fund Transfers
2. Non-Financial Services
1. Bank Account Balance Enquiry
2. Mini Statement
3. Generate OTP (One Time Password)
4. Generate MPIN (Mobile banking Personal Identification Number)
3. Value Added Service � Dial *99# to check if your Bank account is linked to your Aadhaar number or not.

Key Features

• It works without internet
• No need to have a smartphone
• Can be used through any mobile handset
• No need to install any mobile application
• No additional charges while roaming
• Works across all GSM service providers
• Uses voice connectivity
• Service available 24 X 7 � 365 days, even on holidays

How to access Mobile Banking Services?

You need to perform following steps:

1. You have to dial *99# from your mobile handset.
2. A welcome screen will appear asking you to enter your bank's 3 letters short name or first 4 letters of IFSC.
3. After entering short name or IFS Code, next menu will appear with different options of available services enabled for your bank.
4. You have to enter 3 for "Fund Transfer using MMID and Mobile Number" and press submit button.
5. Then the next screen will appear asking you to enter the beneficiary's Mobile number, MMID and Amount.
6. Then you have to enter MPIN.
7. Finally, a confirmation screen will appear on your mobile handset showing success response.

List of Banks offering *99# service

Find below list of banks offering mobile banking service *99#. Presently 51 banks are providing this service.