MY Cash is a customer centric mobile financial service brought to you by Mercantile Bank Limited (MBL).

MY Cash commits to deliver a wide range of financial products and services through mobile phone to the
people of Bangladesh. MY Cash has been authorized by Bangladesh Bank to offer and operate Mobile
Financial Services. MY Cash promises you to provide a combination of convenient and secured services
to Make Life Easy.
Vision:
With the aim of easy solution over finance, MBL wants to remove one of the biggest barriers in
Bangladesh which is complication regarding access and control over finances.
Mission:
MBL has come to provide relief in the lives of their customers. Their existence and triumph is all about
helping the people of Bangladesh, by ensuring easy access over financial services.
Brand Promise:
Make Life Easy

Methods Of Transfer :

MY Cash In
Step 1: Deposit money into your MYCash account. To use MYCash services you need to deposit money
into your MYCash account first.
Step 2:Agent will send the given amount of cash from AGENTS MY CASH ACCOUNT: TO Customer My
cash account
Step 3:please wait for the confirmation message


Mercantile Bank

My cash:


Step 4: You will get a confirmation Message


MY Cash Out
Whenever You have sufficient balance in your MYCash Account, you can withdraw cash anytime from
any MYCash agent point.
You can transfer money from your MYCash account to any other MYCash account through "Send Money"
service.

Cash withdrawal from and my cash Account No:
Step 1: dial #225#
Step 2: Insert your 4 digit pin
Step 3:Sect the MY CASH OUT FROM THE LIST
Step 4: Select My cash out at agent point
Step5: Enter the amount you want to withdraw
Step 6:Enter your 11 digit My Cash agent account number
Step 7:please wait for the confirmation sms
Step 8:You get a confirmation message
MY Top Up
For the first time in Bangladesh MYCash introduces the Mobile Top Up of all telecom operators anytime,
anywhere from your MYCash account. You can instantly purchase airtime for your mobile phone and
also
for others mobile phone.
MYCash Info
You can check your MYCash account Balance, Statement and change your PIN at anytime
To Check Balance:


1. Dial *225# on your mobile
2. Enter your 4 digit MYCash PIN
3. Choose MYCash Info by replying 6
4. Choose Balance by replying 1
5. Enter 1 for Primary account or 2 for Secondary account
6. After the transaction you will get SMS from MYCash to know your balance

To Check Statement:
1. Dial *225# on your mobile
2. Enter your 4 digit MYCash PIN
3. Choose MYCash Info by replying 6
4. Choose Statement by replying 2
5. Enter 1 for Primary account or 2 for Secondary account
After the transaction you will get SMS from MYCash to know the statement of your last few
transactions
To Check PIN Change:
1. Dial *225# on your mobile
2. Enter with your 4 digit MYCash PIN
3. Choose MYCash Info by replying 6
4. Choose PIN change by replying 3
5. Enter 4 digit New PIN
6. Re-enter New PIN to confirm
7. After the transaction you will get SMS from MYCash with your new PIN.

Transaction limit:

Daily Monthly

Transaction
Number
Lowest
Amount
Highest
Amount
Transaction
Number
Highest
Amount
MY
Cash In
5 BDT 50
BDT
25,000
20
BDT
150,000




Daily Monthly

Transaction
Number
Lowest
Amount
Highest
Amount
Transaction
Number
Highest
Amount
MY Cash Out 3 BDT 50
BDT
25,000
10
BDT
150,000

Daily Monthly

Transaction
Number
Lowest
Amount
Highest
Amount
Transaction
Number
Highest Amount
Send
Money
5 BDT 20
BDT
10,000
20 BDT 25,000

Daily Monthly

Transaction
Number
Lowest
Amount
Highest
Amount
Transaction
Number
Highest
Amount
MY Top
Up
50 BDT 10
BDT
10,000
1,500 BDT 100,000
Bank Asia:

Express Cash

What is Express Cash

Express Cash is the person to person domestic remittance service from Bank Asia and iPay. Any person
can send money to another person within Bangladesh using Express Cash service. The objective of
Express Cash is to allow customers to send money in a safe and secure manner from Bank Asia iPay
points. The transactions will be done, after completing KYC, by an authorized agent using his mobile
phone and customers will receive both a SMS notification and also a money receipt. Express Cash is
basically a gateway to transfer money from one point to another. However, in the more advanced level,


a customer will get the privilege to save/store money inside the system.

Role of iPay

iPay is the technical partner of this unique product. The software, hardware and operational platform
are actually developed by iPay. However, as per the govt/BB policy, this kind of financial transactions
can only be done through banks. Therefore, Bank Asia on the other hand is providing the legal and
structural platform. On the basis of the financial transactions iPay will be entitled to receive a certain
portion of the profit.

Where to go for Express Cash Service

The Express Cash service can be availed from any point in Bangladesh which carries the Express Cash
signage. Bank Asia and iPay intends to cover all the upazilas in Bangladesh in order to provide door to
door service for its customers.

Benefits for a customer


Very simple and easy registration and transaction process

Secured transaction process

Not limited to any specific mobile operator/handset

Not PIN/Password dependent

Follows all legal compliances

Money transfers 24 hours 365 days

Benefits for an Agent


Earn revenue from a formal financial service under Bank Asia banner.

Use float money to earn commissions





Prestige in having Bank Asia logo and becoming an authorized bank agent

Increase customer footfall which will directly lead to increase in business of existing service

Trust bank
Trust Bank Mobile Money is a prepaid account facility where Customer can do transactions from
anywhere through mobile phone with 24 hours banking facility.
Customer will be able to fund Transfer, Deposit and Withdraw money from the accredited Pay-points by
using Mobile. Customers also will be able to send remittance faster to the remote place of Bangladesh by
availing this product.
Features of Trust Bank Mobile Money
A Bank led model for the Banked and un-Banked citizen of Bangladesh
TBL can provide all services of Trust Bank Mobile Money to all subscriber using the following codes:
Short Code:16201
Long Code: 01190016201
Cash Deposit, Withdrawals & Fund Transfer facilities.
Any registered subscriber can avail the service through mobile.
Real time updates balance of the account.
All transactions are secured as they pass directly through Bank Accounts.
Every transaction has been verified by user provided PIN & mobile no.
Convenient, Reliable & Fast Electronic Fund Transfer and Payment System.
Accommodate Multibank and Multi-Electronic Communication Channels.
The solution is technically capable of interoperating with the Bangladesh National payment System.
Very Affordable, widely Available throughout the Country.


Simple Account Opening & Operation Process just by using a Mobile Phone or Internet.
All the customers account lies with the Bank since it is a bank led model.
TBMM is device independent, supported on ALL cell phones from low to high-end.
Open ended solution where smart card and other transactional instrument can be integrated.
Interest is provided at the rate of Savings Account in TBMM
Settlement bank in case of multibank mobile payment platform
Service Available
Branch: All Branches & SME centers of Trust Bank.
Paypoint: All TBL accredited PayPoints.
Merchant: Shurjomukhi, Arena, Cadet College, Amar Desh Amar Gram, Bangladesh Army etc.
TBMM services can be access through:
Mobile
Internet
General Services of TBMM:
Account Registration
Cash Deposit & Withdraw
Account to Account Money Transfer (P2P)
Person to Business Payment (P2B)
Business to person payments (B2P)
Government to Person Payments (G2P)
Utility Bill Payment
TopUp (Airtime recharge)
DESCO Bill Payment
Metlife Alico Insurance premium payment


Balance Inquiry
PIN Change
Transaction History
Registration Process
Customer comes to Branch / Paypoint
Customer fill up the TBMM registration & KYC form (Mandatory)
Submits the form to the designated branch / Paypoint personnel
The branch personnel will check all the information & supporting documents to ensure these are
properly given.
The authorized person will give entry to the Mobile Banking application through Mobile or Internet
Customer will receive a registration confirmation SMS containing PIN number.
Customer will preserve his/her PIN number.
Requirements Documents
Nominee form and photograph of nominee(s) (signature attested by the account holder). In case of
minor nominee, copy of the birth certificate and photograph required; nominees national ID cards
photocopy.
Photocopy of Citizenship Certificate / Passport / National I.D. Card/ Driving License.
Photocopy of SIM registration form
Two copies of recent passport size photograph
To fill-up the TBMM form properly.
SMS Format
Account to Account Fund Transfer
TrustMM<space>PAY<space>{Recipients Phone}<space>{Amount}<space>{PIN}<space>{Purpose} <send
to 16201>
Example:TrustMM PAY 88016719XXXXX 100 8888 House Rent<Send to: 16201>
Balance Enquiry


TrustMM<space>BAL<space>PIN<send to 16201>
Example:TrustMM BAL PIN<Send to: 16201>
Change Pin Number
TrustMM<space>CP<space>{Old PIN} <space>{New PIN}<send to 16201>
Example:TrustMM CP 1234 5555<Send to: 16201>
Transaction History (Last Five Transaction)
TrustMM<space>HIST<space>PIN<send to 16201>
Example: Last 5 Tx: Paid Tk.1780.00-88016786XXXXX Recd Tk.300.00-88016725XXXXX Recd Tk. 281.00-
88017246XXXXX Recd Tk. 200.00-880172464XXXX
Recd Tk.1000.00-880172464XXXX Bal: Tk.1
TopUp (Purchase Talk Time or Bill Payment of any Mobile Operator)
TrustMM<space>TOPUP<space>{Recipients Phone No}<space>{Amount}<space>{PIN}<space>{PO/PR}
<Send to: 16201>
NB: PO for Post Paid Connection, PR for Pre Paid Connection
Example: TrustMM TOPUP 8801XXXXXXXXX 100 5678 PR <Send to: 16201>
Note: For Prepaid User Minimum TK 20 Maximum TK 1000
For Postpaid User Minimum TK 50 Maximum TK 5000
How to Pay MetLife Alico Premium
TrustMM<Space>MA<space>{Insurance Premium Number}<space>{Amount}<space>{PIN}<space>{Recipi
ents Mobile No}<Send to 16201>
Example: TrustMM MA 8794562 5000 1234 880XXXXXXXXXXX<16201>
*{Recipient Mobile No} is optional which will be used to notify the insurance holder to
who dosent have any Trust Bank Mobile Money Account.After successful transaction the customer will
receive following sms: An amount of 5000 TK. has been paid to MetLife Alico for policy number
8794562 on 20 Oct 2012. Your Current Balance: TK 184.
How to Pay NAVY Sailor/Officer Admission Fees through Trust Bank Mobile Money
Go to your message option from your mobile phone and type
TrustMM<space>BNRF<space>{S/O}<space>{PIN}<space> {Notification Number}<send
to>16201/01190016201
S-Sailor, O-officer


Notification Number- Only for who are not Trust Bank Mobile Money user
How to Pay DESCO Bill
TrustMM<Space>DESCO<space>{Bill No}<space>{PIN}<space>{Notification Mobile No}<Send to 16201 or
01190016201>
Example: TrustMM DESCO 0110000134 1234 880XXXXXXXXXXX<16201>
*{Notification Mobile No} is optional. It will be used to send bill payment confirmation
notification.
Passport Bill Payment SMS Format:
TrustMM<space>DIP<space>{Amount}<space>{PIN}<space>{Name}<space>{Email}<space>{Notification
Mobile No.} <Send to 16201 or 01190016201>
How to Pay School Tution Fee
-Shaheed Bir Uttam Lt. Anwar Girls College(SAGC)
TrustMM<space>SAGC <space>Student
ID<space>Amount<space>Pin<space>StudentName<space>Guardian MobileNo<Send to 16201>
* Grameen Phone User Send 01190016201
Example : TrustMM SAGC 23XXXX 450 1111 ABC 880178XXXXXXX
Note: Grameen Phone User will send sms to 01190016201 instead of 16201. Other mobile operator
users can send SMS to 01190016201 or 1620
Fees and structure of different services of Trust Bank Mobile Money:
Particulars Revenue/Fees Structure Bear By
Account open fee at Branch Free N/A
Cash in & out fee at Branch Free N/A
Account open fee at
Paypoint/Agent
Tk. 10.00 Customer
Cash in fee at Paypoint/Agent
0.50% of the transacted amount or tk. 5 which one is
higher
Customer
Cash out fee at Paypoint/Agent
1% of the transacted amount or tk. 5 which one is
Customer


higher
Send Money(P2P) Tk. 5 Customer
Disbursement of Govt.
Allowance
Free N/A
Airtime Recharge Free N/A
Merchant Payment 1% of the transacted amount Merchant
A/C statement Free N/A
Balance Inquiry Free N/A
Password Change Free N/A
Account Maintenance Charge Free N/A
DESCO bill payment Free N/A
Metlife ALICO Insurance
Premium
Free N/A
Bangladesh NAVY recruitment Free N/A
Bangladesh ARMY recruitment Tk 5.00 Customer
Cadet College Admission Fee Tk 5.00 Customer
Tuition Fee (School & College) Free N/A
The fees and commission structure is excluding VAT. The VAT will be applicable as per VAT act, 1991.

South East Bank Limited :

Description


SE Mobile Banking by SouthEast Bank allows you to bank on the go. Its free to download and offers
quick access for managing your bank accounts. Check your balances, pay bills, transfer money, and locate
ATMs and banking centers with just a touch. Our native app is fast, secure and free. Use your current
login information to start banking today.
Features:
Check Account Balances
Transfer funds between accounts
Pay Bills**
Find our ATMs and Banking Centers using the GPS system provided by your device.***
*Must be an Online Banking Customer
**Online customers must first setup transfer and bill pay accounts prior to using these features.
***This is limited to locating our banking centers and ATMs. Please refer to your carrier for any fees that
may apply.


SMS Banking

Pull Services:

Account Balance Inquiry

Last 3 Transactions

Cheque Leaf Status

Interest Rate for different deposit products

Foreign Currency Exchange Rate

Branch Location / Telephone No.

ATM Booth Location





SMS Registration information

Help list of Keywords to send SMS

Help message format to send SMS


Request Services:

Fund Transfer

Mobile Bill Payment

Cheque Book Request

Account Statement Print Request

Account Statement Request by Courier

Account Statement Request by E - mail


Execution Services:

Stop Payment

Stopped Cheque Leaf Reactivation

PIN Change


Alert Services:

Debit Alert

Clearing Cheque Return Alert

Loan / Time / Scheme Deposit Maturity Alert


Requirements:

Registration form must be completed and submitted to the branch, where the
account(s) is / are maintained.

For any change in registration, account holder(s) has to complete a Registration
Amendment Form.


Users' Responsibilities:

The account holder(s) is solely responsible for any misuse of SMS Banking Service.

The client(s) is solely responsible for maintaining the confidentiality of his / her
financial information by ensuring safe holding of the PIN and mobile phone assigned



for the SEBL SMS Banking Service. If the mobile phone is lost, stolen, exchanged with
another individual or the PIN is disclosed, the account holder shall immediately notify
the Branch or Head Office (Tel: 02-9571050) to stop the service temporarily.
Otherwise, all SMS received from lost mobile phone will be treated as client's
authorized message. Client has to inform the changed mobile number (if any) in
writing by filling up the amendment form.

To reactivate the stopped SMS Banking Service or to know the existing PIN (i) Client
has to answer correctly against secret questions that he / she filled up during
registration or (ii) By filling up the Registration Amendment Form.

The account holder(s) hereby agrees that Southeast Bank Ltd. shall not be responsible
for any disruption in SMS Banking Service due to mobile phone service provider or any
mechanical / electrical failure on the part of Southeast Bank Ltd.

Stop Payment and Cheque Leaf Reactivation for Payment services will be available
during office hour only. Account Statement Request is limited for previous 6 (six)
months only.

Reply SMS charges are monthly payable with 15% VAT. If account holder does not
pay due SMS charges for consecutive 3 (three) months, SMS service will be
discontinued.


Fees & Charges:

Service
Code
Service Name
Execution
Charge
Charge per
Reply SMS
Other Charges

Pull Services - 3.00 -
201 Fund Transfer 50.00 3.00 -
202 Mobile Bill Payment 25.00 3.00 -
203 Cheque Book Request - 3.00
Charge for
cheque book
204
Account Statement
Print Request
- 3.00 5.00/ page
205
Account Statement
Request by Courier
- 3.00
5.00/page +
courier charge
206 Account Statement 25.00 3.00 -


Request by E - mail

Execution Services - 3.00 -

Alert Services - 3.00 -




Advantages of Mobile Banking :
The biggest advantage that mobile banking offers to banks is that it drastically cuts down the costs of
providing service to the customers.
People can make transactions or pay bills anytime. It saves a lot of time.
Mobile banking thorough cell phone is user friendly. The interface is also very simple. Customer just
need to follow the instructions to make the transaction. It also saves the record of any transactions
made.
Cell phone banking is cost effective. Most Bank provide this facility at a lower cost as compared to
banking by self.
Banking through mobile reduces the risk of fraud. Customer will get an SMS whenever there is an activity
in their account. This includes deposits, cash withdrawals, funds transfer etc. Customer will get a notice
as soon as any amount is deducted or deposited in their account.
Banking through cell phone benefits the banks too. It cuts down on the cost of tele- banking and is more
economical.
Mobile banking through cell phone is very advantageous to the banks as it serves as a guide in order to
help the banks improve their customer care services.
Banks can be in touch with their clients with mobile banking.
Banks can also promote and sell their products and services like credit cards, loans etc. to a specific
group of customers.
Various banking services like Account Balance Enquiry , Credit/Debit Alerts, Bill Payment Alerts,
Transaction History, Fund Transfer Facilities, Minimum Balance Alerts etc. can be accessed from
Customers mobile.
Customer can transfer money instantly to another account in the same bank using mobile banking.


Mobile banking has an edge over internet banking. In case of online banking, individual must have an
internet connection and a computer. This is a problem in developing countries. However, with mobile
banking, connectivity is not a problem. Almost everyone can find mobile connectivity in the remotest of
places also where having an internet connection is a problem.
Mobile banking is helping service providers increase revenues from the now static subscriber base.
Service providers are increasingly using the complexity of their supported mobile banking services to
attract new customers and retain old ones.
A very effective way of improving customer service could be to inform customers better.
Disadvantages of Mobile Banking:
Uncertainties over the speed and nature of customer adoption: This is to be expected with any new
offering, although the uncertainty is compounded by the relative lack of knowledge of the needs of un-
banked people in many places, and the market potential. Consumer education may speed adoption; but
more likely, adoption on scale will happen as it has happened with mobile phones: by forced to adapt
their offerings as they encounter feedback in The market place. Therefore, it is necessary to have
sufficient providers in the market who Can remain in the market long enough to ensure that to identify
the elements of a successful model. Hence, support to providers may assist in overcoming this barrier.
Generally available research into the patterns and needs of the un-banked target market may also help.
Lack of interoperability with existing: systems/Interoperability of different payment systems is
primarily a question of market structure and regulation. It arises initially only in markets where there is
an existing payment infrastructure with which new providers can inter-operate (and later on, once new
infrastructure becomes the standard). Without inter-operability, the fixed costs of deploying financial
infrastructure may be much harder to recover, since usage per item of proprietary infrastructure will fall.
Clearly, one solution may be to give regulators the power to require interoperability; however, it may be
sufficient to encourage the identification of appropriate standard upfront. This could take place via
support to regulators or industry bodies, where these exist.
Regulatory Barriers :Specific regulatory impediments vary by market; but in general, a lack of openness
to new models of provision and a lack of policy certainty limit the potential of new models. Increasing
openness and certainty may require support to regulators to outline high level policy, as well as to
amend existing regulations or draft new ones where and when required.