FAQ

Product Features

State Bank MobiCash is a prepaid virtual mobile wallet on mobile phones. The product is offered by State Bank of India in collaboration with BSNL. It helps you to do banking transactions like Deposit and Withdrawal of money, Fund transfers, bill payment, prepaid mobile top-up, Mobile Recharge. The Bill Payment and Recharge facilities are limited to BSNL only as of now.

Mobile Banking is a channel which is linked to the customer Bank’s account, whereas Mobile Wallet is a prepaid payment instrument. Any person without a Bank account may also apply for a Mobile Wallet.

Application can be downloaded from Play Store or App Store. In case the application cannot be downloaded for any reason, the Services of State Bank MobiCash Mobile Wallet may be used through SMS.

CSP is Customer Service Point appointed by the Business Correspondence or third party agents. They are the primarily mom and pop stores owners, small retail store owners or sellers of BSNL telecom vouchers available near your locality.

Follow the self-registration process in app or through SMS or visit BSNL retailer.

MPIN is a six (6) digits Mobile Wallet Personal Identification Number or password. MPIN will be required to carry out every transaction. Default MPIN needs to be changed before using the service or carrying out any transaction.

You can reset your MPIN by clicking on “Forget Password” on Login Screen or can call Customer Care Number of SBI. Please change your MPIN before proceeding to do any transaction.

If Wrong MPIN is entered continuously 3 times. Your MPIN will get block and then you have to either reset your MPIN or can Customer Care Number of SBI. Please change your MPIN before proceeding to do any transaction

Yes, the MPIN can be changed any time. However, to use the application for the first time, it is mandatory for you to change the default MPIN and set your own MPIN..

The MPIN has to be numeric only.

Not more than a minute’s time however completely dependent on internet Network

Only one user may register and access his Mobile Wallet on a particular mobile phone.

Since it is a prepaid payment instrument, no account can be attached to this wallet.

Original documents for proof of identity and address as mentioned in AOF should be submitted for activation of Wallet. These will be verified by the designated bank official at the linked branch.

The Wallet opening charges are Rs. 20 + ST which is payable at CSP.

Account opening charges of Rs. 20 is non-refundable once the wallet is activated.

In case of non activation of Mobile Wallet, the entire amount will be refunded.

For refund, CSPs will ask the customer for the receipt provided to him at the time of submitting the AOF along with the OTP sent to the customer during notification of AOF rejection.

No minimum balance has been prescribed at present.

The schedule of charges for various services is available at BSNL retailer and SBI’s website www.sbi.co.in.

The charges will be deducted from the Wallet balance if available, otherwise there is need to pay separately.

It can be topped up at CSPs locations. You need to go to the nearest CSP for Top-up and submit cash.

Services delivered at CSP will be available as per their outlet timings. However, other services on Wallet are available round the clock.

State Bank MobiCash is being offered at CSP locations of BSNL or Customer may contact SBI customer care.

The State Bank MobiCash Mobile Wallet application runs on all Android and iOS application based Mobile Handsets. Your mobile connection should be enabled for GPRS. Meanwhile, the customers who do not have Smartphones or GPRS may use the services under State Bank MobiCash using SMS.

You may use the service over SMS however the business rules (i.e. the transaction limit etc.) may vary.

A list of key words for SMS based transactions is available with BSNL CSP of your area.

The Mobile Wallet Number is the Mobile Number on which the service has been registered.

Unique Identification number assigned to the Customer, It is same as Mobile Wallet Account Number

No. As per RBI guidelines on issuance of Mobile Wallet, one applicant can obtain one mobile wallet only.

After visiting BSNL CSP, you have to visit the linked SBI Branch and submit AOF and KYC document during business hours.

Your Mobile Wallet account would be activated, only after you submit/show the original documents for KYC verification at branch.

Please contact your Mobile Service Provider for providing the GPRs facility on your Mobile phone

Presently, the Mobile Wallet is not enabled for e-Commerce.

As per the present process, there is no provision of recording the change of address. This is similar to other prepaid instrument/ mobile connection.

Unique Identification number assigned to the Customer, It is same as Mobile Wallet Account Number

The Mobile Wallet is a prepaid account. Therefore, the balance does not earn any interest.

OTP is One Time Password (Six digits numerical) which is generated for carrying out the CSP assisted transactions e.g. Cash-out.

You may send the repeat request for OTP after 15 minutes if transacting and 2 hours if registering.

You need to generate a new OTP for carrying out the transaction.

For different transactions of different amounts, you will receive two different OTPs. However, if you need to carry out two different transactions for the same amount, you have to generate second OTP, only after using the first OTP.

Cash out is available only for KYC compliant Wallet. For cashing out/ withdrawing cash, you need to go to a CSP. You need to generate the OTP for Cash Out and advise your mobile number, amount and OTP to CSP for cash out. CSP will deliver the cash for a successful transaction. The applicable charges would be deducted.

You need to obtain the MMID of the beneficiary bank account. If the beneficiary does not have MMID, he needs to apply to his / her bank to obtain MMID first.

Mini statement allows you to view a summary of your last 5 transactions.

Currently, payment of BSNL Mobile/Landline bill is available. However, in future, other bills like electricity bill, Telephone bill, etc. will be introduced.

You may have to pay the required service charges for bill payment. Please refer to BSNL CSP for charges or SBI’s website.

Yes, you can pay your bills using the traditional channels even if you opt for paying it using Mobile Wallet.

Yes. Either the complete Bill Amount or more than Bill Amount

You may call on a Customer Care Number of SBI customer care or Visit nearest BSNL CSP.

You should block your SIM immediately by calling the telecom service provider.

For changing Mobile Handset: No you don’t have to register again

For Changing Mobile Number: Yes you need to register again

For closing your Mobile Wallet, you need to visit nearest CSP and ask for a closure form. After filling the form, submit it to the CSP. You are advised to withdraw entire balance before closing your wallet.

Yes. You may visit any BSNL CSP for closing your wallet.

You are advised to with draw or transfer the entire balance before you close your Mobile Wallet.

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