Karnataka Bank Mobile Banking

Over the past years, new technology has showed way for the human civilization to gain information about innovative ways to achieve the same tasks that they used to do in an old way. Now, since technology has become so sophisticated and smart, we are finally able to utilize it for the better of the civilization and develop new ways to do age old tasks that are usually a monopoly of old systems. Having walked along the path of innovation and development, the Indian economy has been able to make the dream of a cashless economy a reality. Aiding in that dream is the arm of mobile banking, which contributes in a significant way towards ensuring that customers of a bank can make use of the services of that bank in an ergonomic manner. To be on the right path, Karnataka Bank launched its KBL Mobile Banking application to assist its users in banking transactions on-the-go using their mobile.

What is Mobile Banking?

Mobile banking is defined as the innovation of sophisticated technology wherein, banking services are provided at the comfort of the mobile screen of a bank customer. Mobile banking is a conglomeration of various services that have been traditionally rendered at a bank until now. It achieves the target of digitization and cashless economy that the Indian financial system is striving to move forward to.

Mobile banking is one such innovation that makes the achievement of that dream a clear reality. Offered by most banks in India, Karnataka Bank mobile banking allows a customer to transact using digital tools, available right at the comfort of his mobile screen. Read on to find out more about Karnataka Bank mobile banking.

Karnataka Bank has the mobile banking app by the name “KBL Mobile” which is available for iPhone, Android and Windows users and facilitates all users to use the following mentioned services.

Services offered by KBL Mobile Banking Application
Find Customer ID	Locate Bank Branches	Account Balance Enquiry
Loan Account Enquiry	Mini Statement Request	Transfer Payments
Manage Payee	Manage MMID	Check Cheque Status
Search IFSC Code	Request Debit Card	Other Cheque Services
Deposit Request	New Account Request	Investments
Utility Bill Payments	DTH / Mobile Recharge	Customer Care Details

Karnataka Bank Mobile Banking Apps

To provide its users with an additional and easier way of banking, Karnataka Bank has launched the following mobile apps:

Karnataka Bank Apps	Primary Features
KBL Mobile App	Enquire Account Balance, IFSC Code, Customer Care Details Transfer funds using IMPS, NEFT & RTGS
BHIM KBL UPI App	Use Virtual Payment Address (VPA) for sending & receiving money Get Two Factor Authentication in just one click
KBL Apna App	Android OS based SMS Banking Mobile App Enquire about FD Rates, Loan, Cheque Status etc.
KBL mPassBook App	Check your transactions in a digital passbook Enabled with 12 different types of languages

KBL Mobile App

KBL Mobile App	Features
Enquiry	Enquire Account Balance, Mini Statement, Cheque Status, IFSC code, Customer Care number, Deposit Account & Loan Account Enquiry
Request	Request Change of Primary Account, Stop Cheque Payment, Cheque Book, Debit Card, Debit Card PIN & New Account
Fund Transfer	Fund Transfer within own accounts, within bank, other banks, IMPS, NEFT, RTGS, MMID, Manage & Regenerate MMID, Credit Card Payment & Scheduled Transactions
Branch Locator	Branch, ATM & elobby locator
Bill Payments & Recharges	Utility Bill Payments, Mobile & DTH Transactions
Other Services	Open FD & RD, Block Debit Card, Aadhaar Seeding
Eligibility	Savings Account & Current Account holders

BHIM KBL UPI App

BHIM KBL UPI App	Features
Two Factor Authentication	Yes, enable with a single click
Virtual Payment Address	Yes, use VPA for sending & receiving money. (For instance: abhishek@kbl)
Link Multiple Accounts	Link any bank account linked to your registered mobile number (with Debit Card)
Money Collection Request Facility	Available
Fund Transfer	Using Aadhaar Number, Virtual Address, IFSC Code, Mobile Number and MMID
Eligibility	Any customer (need not be a KBL customer) can download this app and use several facilities available

KBL Apna App

KBL Apna App	Features
SMS Banking Mobile App	Android OS based SMS Banking Mobile App
Internet Connectivity	Not Required
Enquiry	Enquire Account Balance, Mini Statement, Cheque Status, IFSC code, Fixed Deposit & Loan Account Enquiry
Transfer	Fund transfer to own account and other’s account within Bank using NEFT / IMPS
App Compatibility	Only Available for Android users

KBL mPassBook App

KBL mPassBook App	Features
Account Information	Check details like Name, Account Number, Balance Outstanding, Branch address & phone number
Personalised Ledger Facility	Yes, Available
Multi-Languages Available	Yes, Available in 12 languages
Account Statement	Yes, Available (in PDF / Excel)
Other Features	Share account details using SMS/Email, Get bank holiday list, Locate bank branch and ATM

How to register for Karnataka Bank Mobile Banking App (KBL Mobile)?

Karnataka Bank customers can register for KBL Mobile by following the below mentioned steps:

• Visit the Karnataka Bank’s base branch to register for mobile banking
• The branch will ask for KYC documents to activate the facility
• Post successful registration, you will get Karnataka Bank Mobile Banking User ID (Customer ID) & Mobile Banking Pin (MPIN) through SMS on your registered mobile number
• Activate the registration from your registered mobile phone using your user ID and mobile banking PIN
• After completing the activation process, you will be required to change the MPIN

How to use Karnataka Bank App?

Step 1: Download the Karnataka Bank App (KBL Mobile) from Google Play Store, iOS App Store or Windows Store for your smart phone and register for the service through your bank.

Step 2: Enter your ‘’Customer ID” and “MPIN” to login to the Karnataka Bank App.

Step 3: After successful login, you will be able to check your account number, account balance and other features on the home screen of the Karnataka Bank app.

Step 4: You can check the menu by tapping on the button at the top left corner of the mobile screen and select between different features like transfers, payments and services.

Step 5: Click on “Transfers” to transfer funds to own accounts, within bank, other bank. You can also Manage Payee and MMID under “Transfers” tab.

Step 6: Click on “Payment” to make any utility bill payment, DTH and mobile recharge.

Step 7: Click on “Services” to request for debit card, cheque and deposit services. You can also make investments and request for new account with Karnataka Bank app.

Step 8: The mobile banking application also provides the facility to receive important notifications regarding transactions made at bank. For this, you need to click on “Notifications” tab under main menu.

What are the advantages of using Karnataka Bank mobile banking?

There are many benefits of using Karnataka Bank mobile banking that a customer can derive at the comfort of his home and in the power of his hands. Read on to find out what are such advantages:

• Karnataka Bank mobile banking makes sure that no banking customer has to face the same issues that people used to face in those times when they had to stand in long queues to avail banking services.
• Mobile banking is essentially the technology of the recent day and is here to stay for a long time.
• The greatest advantage that comes to a customer of the bank is that he can now make the use of mobile banking application to get the services of the bank at any time of the day, no matter if it is a banking holiday or a week end day or if it is mid night.
• Customers of Karnataka ban can access all the features of the bank that are not restricted by any time by the central bank, on his fingertips at his choice of time.
• This feature eliminates the need to haggle with unreasonable bank staff and rude officials who used to take it as their right to play with the customers of the bank for their fun.
• Mobile banking has truly changed the way in which conventional banking has been deployed until now.
• Mobile banking offers a host of services on a single platform, ensuring that a customer does not need to download or visit ten different platforms for accessing those services.
• Due to the presence of mobile banking, customers are able to seek redress for their complaints and service requests at an accelerated pace.

There are many other advantages of mobile banking that make it a worthy technology to operate. With its fair share of benefits, a large section of the banking customers from all over India are showing an inclination to make use of the service.

Should you make use of Karnataka Bank mobile banking?

Given the pace of technological development, many people feel skeptical about using new ways of doing things that have been done since many years. True, technology does cover the set back of some limitations but for the major part of it, technology has given the world a new way to do something, which is probably always for the best for people in general. It might happen that some form of cons might creep in but for the major part of it, Karnataka Bank mobile banking is a must have for any person who is a customer at Karnataka bank.

Customers using the Karnataka Bank app can make use of the service of mobile banking without any fear or need to understand too many terms and formalities. The procedure to make use of a mobile banking application is quite simple and can be easily understood through the steps that guide the customer throughout the application. So, if you wish to avail banking services at the comfort of your home, without the need to step inside the branch of a bank and that too, at any time of the day, then mobile banking is an absolutely promising notion for you to try and use.

Karnataka Bank Mobile Banking FAQs

Which mobile platforms support the Karnataka Bank Mobile Banking apps?

Karnataka Bank apps can be downloaded by the customers using Android / Windows / iOS platforms.

What is MPIN?

MPIN is a temporary mobile banking PIN which is sent on the registered mobile number after successful registration. Once you receive the temporary PIN, you can log in with the same. You will also be required to change the MPIN instantly.

Who all are eligible to use KBL Mobile App?

All the savings account & current account holders are eligible to use the KBL Mobile app except ineligible accounts, which are not allowed to use this service.

Ineligible accounts include SBNRE / NRO, Accounts with Joint operations, Accounts of Illiterate Persons, Blind people, Minor Accounts, Accounts operated by holders of Mandate, Accounts operated in representative capacity like Clubs, Trusts, Society, Associations, Institutions, Partnership Firms, Corporate Accounts, Overdraft Accounts, Encumbered Accounts.

Would I be able to transfer funds instantly using Karnataka Bank app?

Yes, you can use IMPS service to transfer funds instantly. Transfer funds to KBL accounts or non KBL accounts using IMPS.

Is Karnataka Bank Mobile Banking service chargeable?

KBL Mobile Banking service is currently offered free of cost to all the KBL customers.

How can I update my mobile number?

You will be required to submit an application to your bank branch for the change in mobile number and your new mobile number will be accepted as the registered mobile number once you log out and log in again to the Karnataka Bank app.

How can I reset my MPIN?

You can reset your MPIN online by furnishing your Customer ID, Account number, Mobile number, Date of Birth and One Time Password (OTP) which will be sent to the registered mobile number. Alternatively, you can also visit the branch and submit an application requesting the base branch to reset your MPIN.