BBL Call Center and Phone Banking

WHAT IS PHONE BANKING AND CALL CENTER Phone Banking and Call Center is a modern banking service by which, clients can get 24 hours of service over any mobile/T&T phone without going to any branch and can avail all sort of queries/ requests/ complaints about Islami Banking services. THE FEATURES OF PHONE BANKING AND CALL CENTER

An unique Banking service that driven by Islami Shariyah. 24 hours/day, 7days/week and 365 days/year banking facilities. Clients need not go to branches for availing services. Clients can avail services from all over the world with Bangladesh. Runs with latest technology to ensure highest standard of security. Customers can transact their money in different way by own self except cash transaction. Providing Automated services to the present and future clients from Bank. Customer can avail this service form any Mobile/PSTN provider.

PHONE BANKING SERVICES

Fund Transfer Check account Balance Check Mini Statement Mobile Recharge Utilities Bill Payment Request for T-pin and Change

ISLAMI BANK CALL CENTER SERVICES

Clients can get services about their queries, request and complaints from one center Simplified and Modern banking transaction Cheque book requisition Stop payment Request 7 days notice input Standing Instruction input Restriction to account Queries about different deposit schemes Inquiries about profit rate Different Investment related information SMS Banking/ i Banking/ Mobile Banking related information and services ATM related queries/ request and complaints services Foreign remittance related information and services Debit card/ Credit Card/ Remittance card information and services Online Banking related information and services HRD related information and many more REGISTRATION PROCEDURES FOR PHONE BANKING

There are two ways to Phone Banking Registration.

Clients can register to this service from their nearby IBBL Branch By dialing 16259 client can register to this service by our Customer Care Agent TPIN RELATED INFORMATION After successful registration client will be provided a four digits secured TPIN (Telephone personal Identification Number). This TPIN will provide sufficient security for the client and will be needed for every operation all time. Thus this number has to be preserved carefully and maintained with secrecy. Client can change TPIN anytime at will. FUND TRANSFER 1. 2. To make Fund Transfer more secured client will be provided an OTP (One Time Password) which will be valid for only 30 minutes. Daily fund transfer limit is BDT 20000 Only.

PHONE BANKING SERVICE CHARGE

Mobile Recharge : Free A/C balance check: Free Mini-statement check: Free Fund Transfer: BDT 5.00/ Transaction HOW PHONE BANKING AND CALL CENTER WILL HELP CLIENTS After dialing 16259 clients can avail their required services by selecting different options. Flow chart for common services as below: # CURRENT BALANCE CHECK 16259 1 1 11 Digits A/C No.# TPIN 1 2 for SMS # MINI-STATEMENT CHECK 16259 1 1 11 Digits A/C No.# TPIN 2 2 for sms /or 3 for e-mail # FUND TRANSFER PURPOSE 16259 1 1 11 Digits A/C No.# TPIN 3 1 for transfer, 2 for new OTP Destination A/C no. # amount # 1 for conf irmation OTP, 2 for Cancel. # FOR MOBILE RECHARGE 16259 1 1 11 Digits A/C No.# TPIN 4 1 for own Mobile number & 2 for Others Mobile number 1 for post -paid & 2 for prepaid Mobile No. (if other) amount # 1 for confirmation and 2 for cancel. # CHANGE TPIN 16259 6 2 11 digit A/C no. # Old TPIN New TPIN Re enter New TPIN. # FOR CUSTOMER CARE HELP 16259 1 or 2 (Language selection) 0 (Zero) HOW SAFE PHONE BANKING IS

Some of the new services provided by banks these days are: 1. Mobile Banking 2. obile banking differs from mobile payments, which involve the use of a mobile device to pay for goods or
services either at the point of sale or remotely, analogously to the use of a debit or credit card to effect an EFTPOS payment.
SMSBanking:
[1]

View balance details Get last 3 transaction details Request for cheque book Stop cheque payment Enquire cheque status Request for account statement Get Fixed Deposit details Request for IPIN generation
Click here to view a demo on SMSBanking

Payments, deposits, withdrawals, and transfers[edit]

1. Cash-in, cash-out transactions on an ATM 2. Domestic and international fund transfers 3. Micro-payment handling 4. Mobile & Direct to Home package recharging 5. Purchasing tickets for travel and entertainment 6. Commercial payment processing 7. Bill payment processing 8. Peer to Peer payments (e.g., Popmoney, Isis) 9. Withdrawal at banking agent 10. Deposit at banking agent

3. Internet Banking

Mobile / SMS Banking

our late st m o bile sm s ba nkin g ser vices

The bank is ushering in to the new area of technology. We are delighted to introduce SMS Banking to all our customers. Presently SMS Alert facility is free to the customers. There are two types of services available namely SMS PUSH Alerts and SMS PULL Alerts. The bank is introducing the Push Alert facility, initially and the Pull Alerts Services will be introduced later.

M-Banking
TMB recently introduced M-Banking which is different from Mobile SMS Banking. Click Know more about M-Banking to learn about the services offered under M-Banking.

The eligible Push Alert services are as follows

To send an alert when the account balance goes above the maximum balance specified by the customers. To send an alert when the transaction amount credited is Rs. 10,000 and above or the amount specified by the customer, whichever is higher. To send an alert when the transaction amount debited is Rs. 10,000 and above or the amount specified by the customer, whichever is higher. To send an alert when a cheque is bounced. The send an alert when the outstation cheque is realized. To send an alert when a cheque deposited by the customer gets returned un paid. To send the end of day balance of the specified account given by the customer (CA / OD / CC). To send reminding alert seven days before the maturity of the term deposit accounts (Amount may not be mentioned). To send reminding alert seven days before the installment due date for the loan accounts (Amount may not be mentioned). Other than the listed alerts, facilities like changing the Access Code, Temporarily disabling of Service / Enabling of Service will be provided in phased manner.

Eligible customers
Any customer (resident / non-resident) who has a SB / CA / CC / OD account (in his individual capacity) in our bank is eligible for this service. The customer can also include his joint account even if the mode of operation is Either or Survivor or Former or Survivor. In the former case, all the joint account holders have to sign the registration form and the alerts will be sent to their registered Mobile number and in the latter case, the all the account holders have to sign the registration form and the alerts will be sent to the formers mobile number only.

SMS Banking facilities are also offered to the Karta (HUF), Partnership as well as Limited Company account holders also who are maintaining Current / Overdraft / Cash Credit accounts with the below mentioned Conditions:. In case of partnership accounts, signature of all the partners has to be obtained in the Customer Registration Form. And a declaration as per the Annexure - I (Format: MS Word "DOC" File) is to be obtained. In case of Limited Companies, signature of the Authorized signatory[ies] as per the account opening documents has to be obtained in the Customer Registration Form. And a board resolution as per the Annexure - II (Format: MS Word "DOC" File) is to be obtained. Further, the facility is not available if the accounts are operated jointly by two or more partners / directors. SMS Banking facilities to the Karta of HUF who are maintaining Savings Bank / Current / Overdraft / Cash Credit accounts are allowed with the below mentioned Conditions and submission of undertaking in the Annexure - III (Format: MS Word "DOC" File) format. A declaration cum indemnity in the annexed format should be obtained from HUF members, authorizing the Karta of HUF to act on behalf of them. The same should be executed in Rs.100/- Non judicial stamp paper or according to the prevailing laws of respective States where the account is maintained. Further Only the HUF account can be linked and no other account in the individual capacity should be linked.

Registration Process
Customers have to submit the application form (as enclosed in the annexure) by giving their mobile number, account number and alert details. The customer has the option to choose or not to choose the different alerts available.

Security features
Customer will receive the alerts only in the mobile number, which he has registered with our bank. Moreover the sensitive information such as account number is not sent as a whole. But only the last six digits and account type will be sent to the customer. The customer can receive his account balance and transactions only when the request is received from the mobile phone number registered with us and duly authenticated by the 4 digit Code Number, which will be provided when PULL Alert services are introduced. The mobile phone number and the Code number from which the service is accessed will serve as a User ID and password for authentication. The Code number has therefore to be kept confidential. Click to Download the SMS Banking Application Form (Format: Adobe "PDF" Document) to apply for mobile sms banking services. For complete details governing the SMS alert services offered by the bank, please refer to our SMS Alert Terms and Conditions (Format: Adobe "PDF" Document)document.

Some of the old services provided by banks are: a. Checking/Current account b. Savings accounts c. ATM Cards d. Check Books e. Deposit Accounts f. Loans g. Credit Cards etc.

Banks offer the following services to account holders at their specified branches multi-city / Payable at Par (PAP) cheque facility, anywhere banking facility, trade services, phone banking facility, internet banking facility, credit card, debit/ATM card, mobile banking and Real Time Gross Settlement (RTGS).

Different Services that a bank offers to Personal Customers

Most of us know what a bank is, we know in order to manage our financial life; we should have both a current account and a savings accounts to create balance. Take a look below at the services that banks offer to personal customers:

Current Account:
A Current Account is a common type of bank account used to store money that is needed on a regular, day-today basis. It is a handy way to manage your money in the short-term. It allows you to:

Receive money such as your salary or other types of income Withdraw cash by using your ATM (Automated Teller Machine) or Laser Card or at the bank counter Pay for things using your Laser Card or by writing cheques Transfer money to other accounts Bank using the internet or the telephone Pay bills

ATM Cards & Laser Cards

ATM Cards are used to withdraw cash from your current account You can use your ATM card abroad so long as your card has a Link logo on the back You can use your ATM card at any banks ATM machines As an alternative to using cash Laser Cards (also known as Debit Cards) allow you to pay for items at POS (Point of Sale) terminals in most shops, restaurants, and now even in some taxis! Some retailers will give you the option of receiving cash back, the amount of which is added to the transaction on your laser card

Savings account:
A savings account is a type of bank, building society, credit union or An Post account that is used for accumulating money. Funds saved can be for both short and long-term needs. Short-term needs include things like holidays, weddings and Christmas presents or just for a rainy day. Longer-term needs include things like saving for college or a house. There are many different types of savings accounts available. When deciding on a savings account you should consider how much you want to save and what access you want to the money. Generally speaking, savings accounts can be opened with a small sum of money and you can save either regular amounts or lumps sums, and sometimes both. A Savings Account accumulates interest interest rates can be either fixed or variable. The Government charges DIRT (Deposit Interest Retention Tax) on the interest earned on savings. This tax is automatically taken from your account.

Investments
Investment involves purchasing a financial product or other item of value with the expectation that the value of the item will increase over time. Simply put, investment means spending money in the hope of making more money. Investments can offer you a better return on your money in the longer-term compared to savings accounts. However, certain investments may carry a higher level of risk.

What is a Credit Card?

Credit cards are a pay later tool as they let you purchase an item and pay for it some time i n the future. VISA and MasterCard are the two main types of Credit Card in Ireland.

Credit cards are mainly provided by banks but some retailers and airlines also provide their own credit cards. Remember that you must be 18 years or over to use a Credit Card

How does a Credit Card work?

Credit cards have a credit limit, meaning the amount you can spend on the card this is set by your credit card provider. You have the option of spending the limit in one go or over a period of time. Each month you will receive a credit card statement from your credit card provider. This shows you various information relating to your card including how much you have spent since the last statement, any cash you withdrew using the card, any interest due, the amount you owe and the minimum payment that must be made by a set date. You can settle the amount when your bill falls due or you have the option to pay a minimum amount, but dont forget youll be charged interest on outstanding balances.

What is Insurance?
Insurance is a form of risk management you pay a set amount called a premium to an insurer and the insurer agrees to cover the costs associated with certain risks that could be financially devastating if they were to happen. There are a number of different types of insurance including:

Car Insurance
By law if you have a car you must, at the very least, have third party insurance. Third party insurance covers any injury or loss suffered by other people as a result of your driving. Comprehensive insurance is an all inclusive type of insurance that covers the cost of repair or replacement if your car is stolen, damaged or destroyed and includes any loss suffered by Third parties.

Home Insurance
Some of the risks your home may be subject to include damage by fire or flooding, burglary or someone injuring themselves on your property. Taking out insurance can cover you for some of these risks.

Travel Insurance
There are many risks associated with travel including damage or delay of luggage, cancelled flights, delayed or missed departure, loss or theft of money or passport and illness or injury. Travel insurance can help compensate you in the eventuality of these things happening.

Health Insurance
Private health insurance helps cover medical or hospital expenses if you get sick, have and accident or need an operation.

Payment Protection insurance

Payment Protection insurance is designed to cover your repayments on a loan if you suffer from an accident, illness, death or redundancy.

What is a Mortgage?
A mortgage is a special type of loan offered by banks and building societies to enable people to buy property. Its typically a big loan, paid back by the borrower over 25 or 30 years, in monthly instalments.

Some different types of Mortgages.

Mortgage This is the most common type of mortgage. The monthly repayment consists of the original loan amount (or capital repayment) and the interest payment. At the beginning of the mortgages life, most of the monthly repayment goes towards the interest. Towards the end, more of the monthly payment goes towards the capital repayment. Interest-only mortgage With this type of mortgage the monthly repayment only covers the interest on the mortgage and not the capital. The original loan must be repaid in a lump sum at the end of the mortgage term.

What is online banking?

Online banking refers to carrying out certain banking transactions over the internet. Banking online is very convenient and can save you time and money. All the major banks offer online banking. There are a number of things you can do online such as:

View balances and statements Transfer money Top up your mobile phone Pay bills

Some banks online banking services allow you to:

Apply for certain products, such as credit cards, loans and savings accounts Set up, amend and cancel standing orders Share deal buy and sell shares online

Benefits of online banking Some of the benefits of online banking include:

Save time and effort by banking from home (or wherever you have access to a pc and the internet) Information about your accounts and transactions is immediately available Can be cost-effective for example transactions charges may be lower and online accounts may offer higher interest rates Cuts down on your paper work

What is a pension and why start one?

Pensions are an investment you contribute to throughout your life, putting money away so youll have money in the bank when you retire. While there are many different types of pensions the principle is the same - to ensure you have a nest egg to live from when you get older. A pension plan is basically a long-term savings plan. People put money away in increments called contributions. Usually people plan for their retirement by starting a pension plan once they start working. People save for a pension so that they can maintain a certain standard of living after they retire.

Different types of pension

State Pension The Government pays a weekly pension to people once they reach the age of 66. Employee pensions Some employers contribute to a pension fund for its employees and employees then have the option to add to this fund. Self-employed pensions People who are self-employed are entitled to put a certain percentage of their profits into a pension plan and in doing so gain some tax benefits. Owner-Director pensions The Government allows owners or directors of companies to pay into a pension fund once the business starts making enough money for it to do so and in doing so gain some tax benefits.

Sources used in the compilation of this information include: http://www.itsyourmoney.ie http://www.wikipedia.com