Unstructured Supplementary Service Data (USSD) is a technology unique to GSM (Global System for Mobile Communications). It is a capability built into the GSM standard to support transmitting information over the signaling channels of the GSM network. USSD provides session-based communication, enabling a variety of applications.
State Bank Freedom is Mobile Banking Service provided by State Bank Group. The Service over USSD provides Bank’s Mobile Banking Service over non java low cost mobile handsets also. This Service helps you to do following banking transactions:
- Balance Enquiry of account enabled for Mobile Banking Service.
- Mini statement (last five transactions) of the account enabled for Mobile Banking Service.
- Fund transfer to accounts (Self and Third party) in State Bank of Hyderabad.
- Mobile Top Up
It helps customers to conduct banking transactions from anywhere, anytime and this service is absolutely free to the customers. However, you have to pay SMS / USSD session charges to your service provider. Please contact your Cellular Service Provider to know the exact cost for premium SMS / USSD session which may be different for each service provider.
It helps customers to conduct banking transactions 24×7 at his / her convenience from any place (Anywhere Banking) over his / her mobile phone.
The Service is available to all P segment customers having a Current / Savings Bank account and accepting the Terms and conditions of the Service which have been made available on the Bank’s website www.sbhyd.com. The customers already using Application based / WAP based Mobile Banking Service will not be permitted to use the service over USSD. The existing user of the Application / WAP based service, if desirous of using the service over USSD, should de register from the Application / WAP based service, before attempting to register under USSD. Please refer to the process of registration detailed under “Registration Process”.
If you have registered at ATM, the account for which the Debit Card was first issued will be enabled for the Mobile Banking Service. If you want to enable any other Savings / Current account, please approach your branch for completing the registration. Please note that unlike the application based or the service over WAP, only one account can be enabled for this service. You are requested to decide upon the account to be enabled for the service, before registering at the ATM or at Branch.
Yes, the service is available round the clock.
No, SBH provides this service free of cost at present. However, you have to pay SMS / USSD charges to your service providers. Please contact your Cellular Service Provider to know the exact cost for premium SMS / USSD session which may be different for each service provider.
No, it is not available overseas.
This facility is presently available over select Service providers.
Yes. The Bank may come up with more functionality in future.
The user starts a session by dialing a designated number or by sending a SMS to a designated short code. A USSD session opens and the user has to respond to the prompts which come up over the mobile screen within the prescribed time. The session will terminate if input is not entered within prescribed time and the user may have to restart the session.
In the application based service, all messages originating from your mobile phone are encrypted and travel to our Mobile Banking Server in secure mode. The encryption methodology used is 128 bit AES technology. In the WAP based service, the site is ‘Verisign’ certified. In case of USSD, the messages may travel unencrypted in certain packets of transmission. However, the information is not saved in your mobile handset. Again, your user ID and MPIN cannot be used in other mobile number. The server checks the mobile number from where the information is coming.
RBI, in their guidelines for Mobile Banking Service, has prescribed a lower limit for the service, where the messages are not encrypted end to end.
De-register from ATM as follows: Swipe ATM Card > Choose Mobile Registration > Enter your ATM PIN > Choose Mobile Banking > Select De-registration > Give your mobile number which was used for registering > Choose Confirm. Please do not forget to call your service provider to block your SIM.
Yes. It is independent of Internet Banking Services of SBH.
User ID is a unique identification factor consisting of 6 alphanumeric characters (3 alphabets followed by 3 numbers).
In State Bank Freedom YOU initiate and authorize each and every payment that is made from your account. Please do NOT share your User ID / MPIN with anyone and do not save it in your mobile handset in any manner.
Yes, the MPIN can be changed any time. After starting the session and entering the User ID Choose Change MPIN option. Enter old MPIN / Default MPIN (in case of first usage of service) and SEND. Then enter new MPIN and SEND. Confirm new MPIN and SEND. However, to use the Service for the first time, it is mandatory for you to change the default MPIN and set your own MPIN.
No, it is not necessary. The field for entering MPIN is set at numeric by default. You can change it to alpha. Each mobile has different way to change the mode, so please check in your mobile handset. You can also use any special characters as MPIN.
MPIN should have only 6 characters. It can be numeric / alpha numeric / special characters / combination of all these. The MPIN is set to be numeric by default.
Yes, it is mandatory. You cannot use the services without first changing the default MPIN to one of your choice.
Open the session. Enter your User ID. Choose Forgot MPIN option. A message will appear “Are you sure you want to send a request for forgot MPIN? Choose 1 for “yes” and 2 for “No”. You will get SMS with default MPIN. Change the default MPIN immediately and then register again at AMT or branch.
There are two steps involved to register for the Service (1) Over the mobile handset (2) At the ATM or Branch.
(1) Over the mobile handset- It also involves two steps
a. Getting the User id and default MPIN
b. Change default MPIN
(2) At the ATM or Branch.
Send SMS to 567676 / 9223440000
You will receive User ID and default MPIN over SMS.
After starting the session and entering the user ID Choose Change MPIN option. Enter Default MPIN and SEND. Then enter new MPIN and SEND. Confirm new MPIN and SEND. Accept Terms & Conditions of Mobile Banking Service Choose (1) for Yes or (2) for No. If you have chosen No, the session will end.
Subscribers to Dial *595#
You will receive a response “Welcome to State Bank Mobile Banking. Kindly Enter your User ID”
Enter your User ID.
If the user ID is entered correctly, you get the following response.
Kindly Reply with your option Number:
- Enquiry Services
- Funds Transfer
- Mobile Top up
- Change MPIN
- Forgot MPIN
Press “Answer” and Choose the Serial No. from the above to exercise your option and “send”
You have to activate your account at any State Bank ATM or your branch. At ATM > Swipe your Debit Card > choose Mobile Registration > enter your Debit Card PIN > select Mobile Banking > Registration > enter your mobile number > choose Yes > The Mobile Number will be displayed over the screen for your confirmation. Confirm the Same. You will get a SMS regarding activation of the primary account of the Debit Card for the Mobile Banking Service. You will be able to enquire the balance and take out Mini statement for this account only. This account will be debited when your transfer Funds / Do Mobile Top up. If you desire to enable and account other than the primary account of the Debit card, please visit your Branch. You are requested to decide upon the account to be enabled for the service, before registering at the ATM or at Branch.
Only one user can register and access his account on a particular mobile phone.
You can terminate the service by selecting ‘De register’ from the list of options. You can also de-register at ATM as follows: Swipe Debit Card > Choose Mobile Registration > Enter your Debit Card PIN > Choose Mobile Banking > Select Deregistration > Enter the mobile number which was used for registering > Choose Confirm.
Yes, if the service is not used for six months, the User ID will be deactivated. To avail the mobile banking service you will need to register afresh.
You have used the option “FORGOT MPIN”. When you use this option, a default MPIN is sent to you by SMS. You have to change the MPIN. After changing the MPIN, You have to register at the ATM or branch again. You will be activated again.
Your account is locked because wrong MPIN was entered six times. You can now follow the procedure as under:
Choose the Option – Forgot MPIN >you will receive a default MPIN > Change the default MPIN > Register at ATM to get activated immediately. If you register at the branch, you will be activated on the next working day.
You can use the same User ID.
This is to ensure that you don’t have to enter the information every time. Nicknames are used to identify your accounts in Mobile Banking. Nicknames are easier to remember compared to the Account Numbers. They are also more secure.
Using the Service, you can transfer funds to your other accounts / third party accounts in SBH branches.
Yes, You can. Please register the required accounts as Payee under “Funds Transfer – Register Payee”. Then you can transfer funds to these accounts. Please refer to the User manual.
The funds can only be transferred to pre-registered payees. This is to increase the security of the mobile banking service and registration of payee is a one-time exercise.
It is immediate.
No, this service is brought to you by SBH free of cost at present. However, the Cellular Service Provider will levy a charge for the SMS facility / USSD session according to the plan availed.
Yes. Mini statement allows you to view a summary of your last 5 transactions.
MOBILE TOP UP
You may not be sending the request for the correct amount as per the plan of the Service Provider. Please find out the correct amount from the Service Provider and send the request again.
Under Mobile Top-up you do not require to buy recharge codes of preset denominations. You can enter the amount as per the plan of your Service Provider and submit your request through your Mobile Phone. The airtime (talk-time) limit is increased automatically without any additional requirement.
No, SBH provides this facility free of charge for its customers.
No separate registration is required for top-up through Mobile. You can recharge any mobile number through the option ‘Mobile Top Up’. You can top up mobile numbers other than the number you are using for Mobile Banking Service also.
Please check with your mobile operator for the same. The amount to be recharged should be as per the plan of the prepaid connection. The maximum amount of top up could be up to ` 1,000/- only per day, in as much as the maximum amount of transaction that can be carried out in a day has been fixed at ` 1,000/-.
Your bank account will be debited immediately.
Yes. You will get the same talk-time and validity as you would get at your local retailer.
Please check the same with the mobile operator’s call centre or their website.
Normally, your mobile will get topped-up in less than 5 minutes. However, at times, due to network congestion, it might take up to 2 hours. If it is not successful, you will get a message that the amount is reversed and your account will be credited.
Once the top-up is completed, you will receive a confirmation message from the operator.
Once the top-up is completed, you will receive a confirmation message from the operator. In case of non-receipt of confirmation message, please check the talk-time limit of the mobile phone that you have recharged. If the talk-time does not increase, please contact your operator.
Yes, you can.
If you are enabled for International roaming, you can recharge your mobile phone using this facility. However, please check the cost of SMS / Dial to special numbers on international roaming.
In case the mobile number entered by you was a valid number, that number will get recharged and the amount cannot be refunded. In case the number entered by you was not a valid number, the amount will be reversed and your account will be credited.
A request will be invalid on account of following reasons:
- Non existing mobile number / Post paid mobile number
- Insufficient funds in your account
Incorrect amount as per the plan of the prepaid connection of service provider.
TROUBLESHOOTING & TECHNICAL SUPPORT
Switch off the mobile and switch it on and start the session from beginning.
Switch on the phone and start the session from the beginning.
Currently the service is available only in English.
You may leave as it is. The session will expire within few minutes. A time out has been prescribed.
If you have national roaming facility from the Cellular Service Provider you can avail this service from anywhere in India. However, if you are traveling overseas, the services will be available only if you have international roaming. However, please check the SMS / Dial charges to special numbers from your service provider.
Please note the following:
- After receiving the SMS with User ID and default MPIN, immediately log on to Mobile Banking and change your default MPIN.
- Please memorize your User ID and delete SMS containing the information.
- Please don’t disclose your User ID and MPIN to anyone.
- Please change your MPIN at regular intervals.
- Please don’t use obvious passwords (like name, date of birth, etc.).
A: The differences are:
|Application based service||Service using USSD|
|1. Mobile Banking application has to be downloaded and installed onto the mobile handset||No application to be downloaded|
|2. Mobile handset must be java enabled||Can be used over any mobile|
|3. Mobile connection can be CDMA or GSM||Mobile connection can be only GSM|
|4. Can be used over SMS or GPRS||Can be used over SMS / Dial|
Please take up the issue with your Branch, providing the details of the transaction. Depending on its nature, the issue will be resolved as early as possible.