J&K Bank offers a mobile banking app that allows customers to conveniently access their accounts and perform various banking transactions. With J&K Bank Mobile Banking, users can check balances, transfer funds, pay bills, manage cards, and avail of other banking services on their mobile devices. The app provides a secure and user-friendly platform for unique banking needs.
To install the J&K Bank mPay, J & K Bank Mobile Banking App download from Google Play Store or App Store is the first step. Then, click on the install button for installation. After the installation, the process for J & K Mobile Banking Online Registration is as given below:
Step 1: Open the App after installation.
Step 2: Enter your J&K Bank ATM debit card number, ATM PIN, and the expiry date.
Step 3: After verifying the details provided an OTP will be sent to your registered mobile number.
Step 4: Enter the OTP. After validation the registration process is complete. You will receive a default MPIN via SMS which you can reset later for an MPIN of your choice.
Step 5: The J&K Bank Mobile App J&K mPay does not need a user ID to log in. It works on user password and MPIN which are both 4-digit numbers.
Step 6: You can set the login password to a four-digit number.
Step 7: The default MPIN has to be compulsorily changed for the registration process to be completed.
Step 8: Once the MPIN is set, you can log in to the J&K mPay app using the user password and the MPIN and get access to all the services offered.
J & K Bank mPay Delight is the new version. Here is how you can register for this mobile application.
Step 1: Start with the J&K Bank Mobile Banking App download and install the mobile app
Step 2: Click on the ‘Proceed’ button to send an SMS
Step 3: Select SIM if you have a dual SIM facility and then click on the ‘Send’ button
Step 4: An SMS will be sent from your mobile for verification.
Step 5: On the next page, click on the ‘Change SIM’ option if you have to. Otherwise, click on the ‘Proceed’ button
Step 6: Set your login password. The password should have 6 digits.
Step 7: Enter the new password.
Step 8: Re-enter for confirmation
Step 9: Agree to the terms and conditions by ticking the box.
Step 10: Click on the ‘Set Password’ option
Step 11: A message ‘password set successfully’ will appear
Step 12: You will be navigated to the next page where you have to enter the newly created password and click on the ‘login’ button.
Step 13: Now you have logged into the app and can use the services available on the app.
The features of J&K Bank Mobile Banking are:
- Users can view their account balances and transaction history, and download account statements.
- Customers can transfer funds between their own accounts, make interbank transfers, and set up recurring transfers.
- The app allows users to pay their utility bills, credit card bills, and other registered bills conveniently.
- Customers can recharge their prepaid mobile numbers directly from the app.
- Users can request cheque books, stop cheque payments, and view cheque status.
- The app enables users to manage their debit and credit cards, including blocking or unblocking cards and setting spending limits.
- Customers can receive real-time transaction alerts, account balance updates, and important notifications from the bank.
- The app provides a feature to locate nearby ATMs and branches of Jammu and Kashmir Bank.
The transaction limit for funds transfer through J&K mPay and J&K mPay Delight are:
- Rs. 5.00 lacs per day and Rs.30.00 lacs per month.
- The number of transactions in a day should not exceed 20
- Maximum funds transfer per day to accounts within the J&K Bank: Rs. 3.00 lacs
- Maximum funds transfer per day to other bank accounts through IMPS or NEFT: Rs. 2.00
For adding a beneficiary for funds transfer through J&K Mobile Banking follow the steps given below:
Step 1: Open the J&K mPay App and enter the 6-digit password for the J&K Bank Mobile Banking login.
Step 2: On the home screen, you will see various options.
Step 3: Click on the ‘Transfers’ option
Step 4: Here, you can choose among options like ‘Within the Bank’ and ‘Other Bank’
Step 5: Choose any of the options. If you choose the Within Bank option, you will not need IFSC Code. For ‘Other Bank’ you will need the IFSC Code of the bank
Step 6: On the next page, you will have options ‘Mobile To Mobile’ and ‘Mobile To Account’
Step 7: If you choose the Mobile to Mobile option, you will have to enter the mobile number of the beneficiary instead of the account number. The other details are similar.
Step 8: After choosing the option, select the ‘Add Beneficiary’ option on the next page.
Step 9: Enter the Account Number and the Nickname and click on the OK button if the account is within J&K Bank. The moment you enter the account number the beneficiary name will be displayed on the screen.
Step 10: If you have chosen the ‘Other Bank’ option you will have to select the bank from the dropdown and then enter the Account Number and Nickname (optional). The name of the beneficiary will appear on the screen. Click on the OK button and enter a 6-digit MPIN for authentication,
Step 11: The beneficiary will be added successfully.
You can transfer friends through J&K Bank Mobile Banking with a few simple steps.
Step 1: Login to the J&K Bank Mobile Banking App login credentials.
Step 2: Click on the “Transfer” Icon on the dashboard.
Step 3: Select the ‘Funds Transfer’ option
Step 4: You have three options. Own Account, Within J&K Bank, and Other Bank
Step 5: Choose the Within J&K Bank option
Step 6: Choose from ‘Mobile to Mobile’ or ‘Mobile to Account’ option
Step 7: Click on the ‘Instant Pay’ icon
Step 8: Choose the ‘From Account’
Step 9: Enter the Beneficiary Account Number
Step 10: Confirm the Beneficiary Account Number
Step 11: Enter the amount to be transferred
Step 12: Enter the mPIN and click on the ‘Verify’ button
Step 13: A page with the details will appear. If you see a tick mark in green, it means the details are correct.
Step 14: Click on the send button.
Step 15: The amount will be transferred to the beneficiary account.
Step 16: If the account is in another bank you will have to enter the IFSC Code also.
Step 1: Login to the J&K mPay Delight App with a login password.
Step 2: Click on the ‘Funds Transfer’ icon on the dashboard
Step 3: Choose from the options ‘own account’, ‘within J&K Bank’, and ‘other bank’ options.
Step 4: Click on the Quick Pay option
Step 5: Choose ‘From Account’ and ‘To Account’
Step 6: Enter the amount to be transferred and click on the ‘submit’ button
Step 7: The details of the transaction will appear on the screen. If correct, click on the ‘send money’ button
Step 8: Enter the mPIN and click on the ‘Verify’ tab
Step 9: The funds will be credited to the beneficiary account.
The following are the advantages of J&K Bank Mobile Banking
- Account balance and transaction history visibility.
- Convenient bill payment options.
- Easy fund transfers between accounts and banks.
- Prepaid mobile recharge feature.
- Cheque book request and stop cheque payment option.
- Debit and credit card management.
- Real-time transaction alerts and important notifications.
- Nearby ATM and branch locator.
- Time-saving and efficient banking experience.
- Enhanced financial control and management.
J&K Bank Mobile Banking FAQs
All customers of J & K Bank having savings, current, or OD/CC accounts can use the J & K Mobile App.
The J&K Bank mPay App provides an array of services like balance enquiry, mini statements, funds transfer, bill payments, recharge (mobile, DTH), managing debit cards, cheque book requests, lodging stop pay instructions, etc.
iPhones with IOS and Android handsets support J&K Bank Mobile Banking.
No. The download of the J&K Mobile App is free of cost.
The new mobile app launched by J&K Bank is mPay Delight.
Yes. You can make fund transfer using J&K Bank mobile banking via IMPS, RTGS and NEFT.