Criteria / Bank DBBL Brac BankMFS Name DBBL Mobile Banking bKash

MFS Permission By Bangladesh

Bank

Full MFS Permission [3] Full MFS Permission [3]

MNO partners 1. Citycell 2. Banglalink3. Grameen Phone4. Airtel

1. Banglalink2. Grameen Phone3. Robi

Service Transactional Services- 1.     Cash In 2.     Cash Out 3. Transaction of Remittance 4. P2P Money transfer Non-Transactional Services- 1.     Registration 2.     Balance 3.     Statement4. Change PIN Other Service: Mobile Top-Up

Transactional Services- 1.     Cash In 2.     Cash Out 3.     Send Money 6.     Payment Non-Transactional Services- 1.     Registration 2.     Check Balance 3.     Request Statement4. Change PIN

Customer Registration

1. Customer fills up a one leaf KYC form, submits any photo ID copy & 1 photograph. No copy issued to customer 2. Only Grammen Phone, Banglalink, Airtel, Citycell subscribers can open an account 3.Account is activated after 2 working days 4. Registration is needed for the recipient; sender does not necessarily need an account. If anyone does not have a DBBL mobile

1. Customer fills up a KYC form, submits copy National ID/Passport/Driving License/Citizenship Certificate. 1 copy issued to the customer, 1 copy for the agent and another for bKash 2. Only Robi, GP and Banglalink subscriber can open an account 3. Account is activated right away 4. An account holder can send to another account

banking account, s/he cannot avail any service. [1]

holder, an account holder can send to a non account holder, and a non account holder can also send to a non account holder. So, if anyone does not have a bKash account, s/he also can avail few services

Distribution Network

1. Available at CityCell, Banglalink, Airtel outlets. 2. At DBBL branches all over thecountry3. Agents of DBBL (3rd Party) [1]

Available at Robi WICs, RSPs, BRAC Channel, Continental Courier Service Channel and other Authorized Distributors’ Channels all over Bangladesh.

Documentation Customer gets a money receipt on each transaction from agent outlet

1. Customer signs the agent register after each transaction 2. After each transaction via Token, both customer and agent get a receipt

Number of Agents

17244 [2] 22000

Service Menu *322# 1.Not in use 2. Send Money 3.Top Up 4.Balance 5.Statement 6.Change PIN 7.Log Out

*247# 1.Send Money 2.Token 3.Payment4.Cash Out5.My bKash6.Helpline

Checking Balance

1. Citycell Customers send a blank or type "M" and send SMS to 16216 number, Banglalink Customers dial on *322# and airtel customers dial on *322# or *400#

2. Customer will find a menu in his mobile 3. Customer will press on "reply" menu and enter the serial number of "Balance" which is given on Menu 4. Customers will get USSD Flash or a call from "system" and type his PIN number as the direction 5. DBBL system will the amount of Balance into

1. Type *247#

2. Customers will find a menu in their mobile

3. Press "answer", type "5" and send

4. Press "answer", type "1" and send

5. Press "answer" and enter customers' PIN number 6. Customers will find their amount of Balance.

customer's mobile through SMS 6. Other Operator's customers will know about their balance by calling 16216 [1]

Changing PIN 1. Citycell Customers send a blank or type "M" and send SMS to 16216 number, Banglalink Customers dial on *322# and airtel customers dial on *322# or *400# 2. Customer will find a menu in his mobile 3. Customer will press on "reply" menu and enter the serial number of "Changing Balance" which is given on Menu 4. Customers will get USSD Flash or a call from "system" and type their present PIN number then the new PIN number as the direction 5. PIN will be changed 6. Other Operator's customers will call on 16216 and request for changing the PIN number then customer will get a IVR call for changing PIN. By this call customers can change their PIN number [1]

Automated Process

Sending Remittance

Customers can send remittance from any foreign branches of DBBL and "Exchange House" of any Bangladeshi Bank. Sending money will be deposit on beneficiary/remittance customers within 24-72 hours (in case of DBBL proposed "exchange House", money will be deposit witihn 24 hours) and beneficiary/remittance customers will get that news by systematic SMS. [1]

Not Available

Accessibility 1. Citycell, Banglalink and Airtel subscribers can access the system. 2. Subscribers from other operators can open account but can’t access the System. They can use (Check balance, statement & PIN change) only by calling helpline 3.  Citycell subscribers access system by sending a blank SMS, get an IVR prompt for further action 4. Banglalink and Airtel subscribers can access through USSD

1. Robi and GP subscribers can access the system 2. Registered users access directly through USSD by dialing *247# 3. Subscribers from other operators cannot open account

Service Charges 1. Registration= Free 2. Cash In= 1% or 5 taka (whichever is higher) 3. Cash Out= 2% or 10 taka (whichever is higher)4. Check balance= 2.00 Tk 5. Check statement= 1.00 Tk 6. No charge applicable for Deposit/Withdraw from DBBL Branches7. No Charge applicable for Deposit/Withdraw money from DBBL ATM booths 8. Mobile Top Up= Free 9. P2P exchange= Free 10. Remittance Payment (in mobile account)= Free [1]

Registration= Free Cash In= Free Cash Out= 2.6% on average P2P charge: 2 taka Check balance= Free Check statement= Free

Limitation of Transaction

Daily Deposit = Highest 5 times Daily withdraw = Highest 5 times Amount of each trading (deposit/withdraw)= 20,000/- Taka Amount of daily trading (deposit/withdraw)= 50,000/- Taka Deposit in every month= Highest 20 times Withdraw in every month= Highest 20 times Daily P2P= 10,000 taka Each month's P2P= 25,000/- [1]

Daily Highest Transaction= 1,25,000 taka Month's Highest Transaction = 2,50,000 Daily Highest Send Money = 10,000 Monthly highest Send Money= 25,000

POSM & Communication

1. Festoon2. Authorized agent certificate3. Leaflet4. TVC [4] 5. Poster 6. Shop Pointer7. Social Netoworks [5] 8. Website [6]

1. Shop Pointer2. Leaflet3. Billboard4. Poster5. Festoon6. Car Sticker7. Website8. Social Networks9. TVC10. RDC11. Newspaper Ad12. Advertising boards in sports

Help Line 16216 [1] 16247

Technology Platform

Sybase365 [7] Fundamo(Visa) [7]