Mobile Banking

    Kumari Smart Mobile Banking uses your mobile phone to conduct certain banking functions by sending SMS. It allows you to do the banking transaction, directly from your mobile phone 24x7. You can perform following service via Kumari Smart Mobile Banking:

    • Transfer funds within and outside member Bank's account.
    • Mobile Topup.
    • Landline/ ADSL Bill Payment
    • NEA Bill Payments.
    • Buy Airline Tickets
    • Other payment services.

    If you are a Kumari Bank Limited customer with at least one account, you are eligible for this service. Both Saving and current account can be used for the service.

    Kumari Smart Mobile Banking allows you to keep track of your banking transactions; perform transactions from anywhere and at any time at the touch of your fingers, it saves your time and other cost.

    After being Kumari Bank Limited account holder, you can fill up Kumari Smart Mobile Banking form in same branch of Kumari Bank Limited.

    For information, please visit the link below:

    Link: https://youtu.be/XC_lsMBm5g0 

    Kumari Smart Mobile Banking is completely safe. Our application protects transactions with multi-layer security protocol involving authentication, data masking and encryption. All of the transactions require PIN or Fingerprint verification, and the PIN is confidential and is known only to the customers.

    Yes, you can directly send money to another customer's account.

    No need to predefine. You can send fund to any account of Kumari Bank Limited.

    Yes, you can send money to another bank’s customer account through the IBFT (Inter Bank Fund Transfer) feature.

    If any transaction has been performed, receiver and sender both will receive SMS notification for confirmation.

    Please immediately contact to Kumari Smart Mobile Banking Department for assistance or Please call us immediately at +977-01-5970499. If the person who found your mobile doesn’t know your PIN they won’t be able to take out your money. But if they know your PIN they can misuse it.

    It works with NTC and Ncell GSM network only.

    If you don't receive any response from Kumari Smart Mobile Banking service within 30 seconds please contact to Kumari Digital Banking Department for confirmation. You can directly contact us at +977-01-5970499.

    If you are using Kumari Smart Mobile Banking service through SMS channel then the service relies on a SMS message. If the telecom provider network is down, the service will not function. Else if you are using Kumari Smart Mobile Banking service through data connectivity, then the telecom provider’s network won’t hamper your access.

    Yes, this service can be conducted from outside the country through data connectivity.

    Yes, to perform any transaction, you need to have sufficient balance.

    No limitation to change pin. System generated pin is difficult to remember and it is better and safety for you, if you changed pin. Please visit nearest branches and fill up the pin re-generate form to receive new pin.

    The login Password will be of minimum 8 characters and have to be alphanumeric. Pin length will be 4 numerical only. Alphabetic pin will not be supported by system. Password/PIN will not be auto expire.

    Yes, you can use your Fingerprint as Password/PIN. For that first set your Fingerprint access in mobile phone. After that login to Kumari Smart Mobile Banking App, go to Settings and Setup login Fingerprint for Password and setup Transaction Fingerprint for PIN.

    No you don’t have to pay any extra charges to perform transaction except Inter Bank Fund Transfer service, but annual fee will be charged as per packages.

    Yes, regular SMS cost will be deducted from talk time balance.

    We advise that you pay utmost care when typing in the recipient’s mobile phone number. In an unlikely event that you send money to an unintended recipient, please call us immediately at 977-01-5970499. However the transaction cannot be reversed once the funds have already been withdrawn.

    Yes, Kumari Smart Mobile Banking Application is available to Android and iPhone users only. You can download it from our website or Google Play Store (Android users) and App Store (iPhone users).

    Yes, you can register. Bank can not verify the ownership of the number. Customer will be liable if any unauthorized transactions on their account. So use your own number for the service.

    In case you changed your mobile number, kindly contact to your nearest branch of Kumari Bank Limited.

    Transaction will be successful even recipient's mobile is switched off or is out of network but recipient will receive notification after network coverage or when mobile is switched on.

    Please visit your nearest Kumari Bank Limited branch.


    • Nepali Residents
    • Indian Residents holding valid Registration at the Indian Embassy in Nepal
    • Foreign Nationals holding a valid visa, other than a tourist visa.

    Customers who wish to open a deposit account with KBL may visit any of our branches .Upon request for account opening, our Customer Service department will provide the necessary forms, which must be duly filled and signed by the account holder, request for Checkbook and ATM Card must also be made, as per the requirement.

    • Copy of Citizenship or Passport or Registration certificate, in case of Indian Nationals.
    • Two recent Passport size photographs

    Kumari Bank offers a competitive interest rate for a wide variety of Deposit Products to suit your requirements. Convenience of networked branches/ ATMs and facility of E-channels like Internet and Mobile Banking, besides customers can also enjoy numerous facilities and discounts on various products of the bank like, Loan processing fee, Remittance, Locker. The bank also offers free accidental insurance, privileged counters, Utility bill payment and many more.

    For the updated Interest rates being offered by KBL , please follow the link below.

    Bank will provide interest on all types of Savings accounts .Interest calculation is done as per the policy of the bank which may vary according to the Deposit schemes. Normally, bank will provide interest on the deposit maintained in the account on a monthly minimum basis. Interest will not be paid if the monthly minimum balance is not maintained.

    Interest earned on the Normal Saving accounts (interest bearing accounts) will be credited on quarterly basis on the last day of the month of Ashadh, Ashwin, Poush and Chaitra. For all other types of Fixed Deposit interest will be provided on Quarterly basis on the last day of the month of March, June, September and December.

    Tax will be deducted on the interest earned @ of 5%

    Minimum balance requirement is different as per the nature of the accounts. Customers will be required to inquire with the branch at the time of opening the account. For other types of savings deposit the minimum balance along with the interest rate, please visit this link: Interest Rate with Minimun Balance



    No, the rates for these saving products are not negotiable, however subject to certain conditions, rates maybe negotiated. For further details, please contact any of our branches.

    Statements will not be posted or emailed, it will have to be collected from the respective branch where the customer maintains the account, however for customers residing abroad, upon their request, it maybe sent via the email provided at the time of A/c opening.

    Statements can be collected from the bank on Quarterly basis, however upon Customer’s request, it may also be provided on demand basis after paying a certain fee.

    Check book will be provided upon Customer request to all types of Saving deposit accounts, provided maintenance of minimum balance requirement.

    Yes, the bank will provide personalized Checkbook for all accounts maintained with the bank.

    Customers can deposit any amount without any restriction, however if the amount exceeds 1 million, the source of income must be mentioned on the deposit voucher. Similarly there are no restrictions for withdrawals ,however customers must give 1 day prior notice to the bank for withdrawals above 0.5 million. For withdrawals through ATM debit Card, withdrawals per day is limited up to Rs 100,000/-

    Customer can make any number of deposits and withdrawals without any restriction, however the number of withdrawals by means of Debit Card cannot exceed 10 transactions per day.

    No, customers have to visit the bank personally to open an account .

    Yes, customers can download the application form and submit the same to the bank together with other requisite documents.

    Introduction from an existing account holder of KBL is a requirement, however in the absence of this, customers may fill in the details of a referenced person.

    Yes, customers are required to deposit money on the day of account opening itself, however if checks of other banks are deposited, same must be informed to the Customer service department.

    All requests for account closure must be made in writing, by signing the closure form by the account holder. In addition to the closure request, any unused cheques and ATM/Debit Cards (if taken) must also be surrendered to the bank.