Mobile Banking - Unstructured Supplementary Service Data (USSD) based

We have launched a new mobile banking channel known as the USSD channel promoted by National Payments Corporation of India (NPCI) under flagship product National Unified USSD Platform (NUUP) which will be operational on major telecom networks.

What is USSD?


Unstructured Supplementary Service Data (USSD) is a protocol used by GSM cellular telephones to communicate with the Telecom Service Providers (TSP). USSD can be used for WAP browsing, prepaid call back services, mobile - money services, menu-based information services etc. USSD messages are up to 182 alphanumeric characters in length. Unlike Short Service Message Service (SMS) messages, USSD messages create a real-time connection during a USSD session.


Advantages of USSD:


The USSD platform which is Mobile Network Operator (MNO) dependent can be efficiently used by the mobile banking platforms due to the following advantages:


·USSD works on all GSM phones irrespective of make, model or service provider – thus all phones including low end phones are capable of handling this.

·It does not require any application/software to be downloaded to the handset. It is interactive in nature – and thus enables complex transactions as well which may not be possible through SMS.

·It is a session based communication i.e. it does not store any data on the phone and transaction terminates as the session end.

·USSD utilizes the same capability as the voice calls hence the coverage is available at most parts of the country having GSM voice call coverage.

·It is secure and much faster than traditional SMS based transactions.


Who can use the USSD service?


Customers who have registered for mobile banking services can avail this service.


How to use this USSD service?


Customers of member banks can use this simple and convenient service by dialling *99# from their registered mobile phone (irrespective of make or design) and transact through an interactive menu displayed on the mobile screen.


The functionality flow is displayed below:


The customer has to dial *99# from handset and he will receive the following screen, the functionality displayed here is Balance Enquiry / Mini Statement.


Balance Enquiry


Mini Statement


What services can be used?

Currently, we are live on the following services

A. Balance Enquiry

B. Mini Statement – Last 5 transactions

All the customers registered for mobile banking can use this USSD channel.

As bank is planning to introduce funds transfer facilty like IMPS – P2P and P2A shortly there will be transaction limit of Rs. 5000/- per day per customer.

What are the charges applicable?

NPCI has entered into an agreement with all the Telecom Service Providers (TSPs) to provide this service to all banks across the country. The TSPs may apply a charge upto Rs. 1.50 per USSD session to the customers even if the customer is doing a non – financial transaction.

In addition to the above mentioned charges customers will have to incur services charges for carrying out financial transaction like IMPS – P2P or P2A.

S. No.

From Amount


Service Charge Amount

Service Tax