Mobile Banking FAQ
-
What is Dhanlaxmi Bank's Mobile Banking?
Dhanlaxmi Bank Mobile Banking application, DhanSmart, provides an improved customer experience with enhanced banking services and features. It allows customers to view details of the accounts and also to do transactions like fund transfers, Bill payments, Recharge services etc. It is currently available for Android/ iOS and Windows Phones..
-
How do I download DhanSmart?
To download the Application, go to the respective app store and search for "DhanSmart".
iPhone Application
To download the Application, go to App Store on your iPhone/iPad (version 8 and above) and search for "DhanSmart".
Windows Application
To download the Application, go to Microsoft Store on your Windows Phone (version 8.0 and above) and search for "DhanSmart".
You will find the official Dhanlaxmi Bank Mobile Banking Application. Select "Install" and it will be installed on the device. Please ensure to have Data Connection enabled on the device while downloading the Application.
-
How to identify the official application in App store/Play store?
Go to the respective store and search for 'DhanSmart'
A. Application name should be named as "DhanSmart"
B. Developer name should be named as "Dhanlaxmi Bank Ltd"
C. You can see the application as "Official app"
-
Who is eligible to avail Dhanlaxmi Bank's Mobile Banking Facility?
All Retail Banking customers of Dhanlaxmi Bank having regular/active Savings or Current accounts (Individual) with Debit card are eligible to avail the Mobile Banking Facility.
-
How can I apply/register for the Mobile Banking Service?
The bank is allowing all the eligible customers to access/ view the account details using Mobile Banking Application without any registration.
The customer can avail transaction facility online after activating Mobile Banking Application.
-
How do I activate my DhanSmart Mobile Banking application on my Mobile handset?
If you have already downloaded the application from the respective store,
First time User: Create MPIN/TPIN by clicking on Login Icon in the screen .To create MPIN/TPIN, please have your Debit card and Registered Mobile Number with you.
Existing User: If you are an existing Mobile Banking user, click on Forget MPIN option and generate MPIN/TPIN using your Debit Card credentials, OTP would be send to your registered Mobile Number.
-
Whether Karta of HUF (Hindu Undivided Family) can access Mobile Banking?
-
What are the pre-requisites of using DhanSmart - Dhanlaxmi Mobile Banking Application?
In order to avail Mobile Banking, customer has to get the Mobile number and E-mail Id registered with the bank. The Mobile Banking facility is available in:
Android Phone/ Tablet - Android version 5 or above
iPhone/ iPad – iOS version 8 and above
Windows Phone – Windows version 8 and above
-
Can I use the Mobile Banking application from any Mobile?
It is preferable to use Dhanlaxmi Mobile Banking application from your Smart Phone/Tablet. Please remember that Smart Phone/Tablet is your personal device and ensure it is not accessed by others. If you are using from secondary device, you need to generate the MPIN/TPIN again.
-
How secure is Dhanlaxmi Mobile banking?
Dhanlaxmi Mobile Banking Application allows you to transact over a completely secure medium. The communication channel between Dhanlaxmi Mobile Banking Application on the Mobile handset and Dhanlaxmi Mobile Banking Server is secure and encrypted with highest security standards. It has two factor authentications for all transactions.
a) The application logs out automatically after 5 minutes of idle time
b) No personal information is stored on mobile application
c) User session expires on logout of the application
d) SSL encryption is used to protect the communication with the Bank
-
What if I forget my 'DhanSmart Mobile Banking' MPIN/TPIN?
If you forget your Dhanlaxmi Mobile Banking Password, you can use Forgot MPIN option in Mobile Banking Application to reset your MPIN and TPIN. The Mobile Banking Application will get locked after three consecutive wrong attempts.
-
What is MPIN / TPIN?
MPIN is the 6 digits password or PIN (Personal Identification Number) for Login and TPIN is the 6 digits password or PIN (Personal Identification Number) for Transaction.
The customer can generate the MPIN/TPIN by clicking the create MPIN Button from the application.
-
What if I lose my Mobile handset on which I have installed DhanSmart Mobile Banking Application?
Dhanlaxmi Mobile Banking Application is safe and cannot be used by unauthorized persons, as it is protected by two factor authentication. Please do not disclose your Passwords to anyone. Please remember that Dhanlaxmi Bank does not contact you by Email, SMS or Phone calls seeking details on your account, your card or your Personal Identification Numbers.
-
How do I proceed if the app is not installed properly?
In case the installation of the app is not successful due to any reason like low GPRS/3G/WIFI connectivity, low battery, low signal strength etc, you should try again when the signal strength improves. If not, try downloading the DhanSmart App again from the Store.
-
What are the charges of DhanSmart Mobile Banking Application and how would it be charged?
DhanSmart Mobile Banking App is absolutely free of cost. Internet data charges may be levied by your respective service providers based on your usage and plans.
-
What is Maximum Limit per transaction?
INR 2 Lakhs (Two Lakhs Rupees) by default.
-
What is the Maximum Limit of daily transaction?
INR 2 Lakhs (Two Lakhs Rupees) by default.
-
What is the TAT for processing Stop Cheque request?
All requests for Stop payment of Cheques received would be processed immediately. Execution of Stop Cheque will be on best effort basis.
-
What should I do if I change my registered mobile number?
To change the existing mobile number, provide the request to the nearest branch.
If the customers have changed the registered Mobile number, the customer can use the application from the same device but all alerts/OTP will send to the Registered Mobile Number with the bank.
-
Can I use DhanSmart Mobile banking anywhere, even if travelling abroad?
Yes. When you are travelling abroad and your mobile handset/Tablet has an active GPRS /3G/WIFI connection, you can still use DhanSmart Mobile Banking Application. The data charges may be applied by your respective service providers based on your usage and plans.
-
If I have changed my handset, what should I do?
Do the same process of download again and activation (Do Forget MPIN option and generate MPIN/TPIN using your Debit Card credentials, OTP would be send to your registered Mobile Number.) in your new mobile handset.
-
My Mobile Banking access is LOCKED due to three wrong MPIN attempts. What should I do?
You can re-generate MPIN again from your handset by using debit card details after clicking on Forgot MPIN option, without contacting customer care or branch.
-
I am unable to generate MPIN using debit card details. What should I do?
Please contact customer care (+91 0487 6613000 or customercare@dhanbank.co.in) to check status of your debit card. Please ensure that you are entering correct and active debit card details of your account. MPIN cannot be generated using Inactive, Expired or Blocked debit cards. Please also ensure that you are entering correct ATM PIN while generating MPIN. If you have received new/reissued debit card or new/reissued ATM PIN, then please activate the new card at any nearest any bank's ATM by doing a balance inquiry or withdrawal transaction. It is mandatory to activate new/reissued debit card or new/reissued ATM PIN at nearest ATM, before using for mobile banking activation. It is a one-time activity to avoid security issues.
-
What should I do,if I lost my Mobile/SIM?
You need to report to the customer care (+91 0487 6613000) / Branch or send a mail to customercare@dhanbank.co.in for deactivating the mobile banking service. Please note that after "Deactivation", current MPIN will not work.
-
Can I use my Internet Banking password to access the Mobile Banking channel?
No, for Mobile Banking, a fresh password (MPIN/TPIN) needs to be generated.
-
Can I deactivate my Mobile Banking temporarily?
Yes, you need to report to the customer care or send a mail to customercare@dhanbank.co.in for deactivating the Mobile Banking Service. Whenever you require to re-activate, you need to contact customer care again.
-
What is a cooling period?
Cooling period is the time set by the bank for the activation of a newly added beneficiary by the Customer. Cooling Period of 4 hours is applicable to all newly added Beneficiaries using Mobile Banking Channels. Beneficiary modification/deletion is not allowed during cooling period.
-
What is the duration of cooling period?
4 hours has been set as the cooling period currently. The beneficiaries added through Mobile channel will be partially enabled for transfer up to Rs.10000/- immediately. The beneficiary will be fully activated for transactions only after 4 hours.
-
Can I modify or delete a Beneficiary during the cooling Period?
Beneficiary modification or deletion is not allowed during cooling period through DhanSmart. However, the beneficiary can be deleted through Retail Internet Banking, before completion of the cooling period itself.
-
How will I come to know about the completion of the cooling period for a beneficiary?
Cooling Period for the beneficiary added will be automatically removed after 24 hours of Beneficiary creation. On activation of the beneficiary after the cooling period, the customer will receive an SMS on his registered mobile number.
-
Is there a limit to the number of beneficiaries added in a day?
No. At present, there is no restriction on the number of beneficiaries added in a day.
-
I received SMS or Email alert about beneficiary addition, which is actually not added by me. What should I do?
Change your password immediately and delete the beneficiary through Retail Internet Banking, if you receive a message of beneficiary addition which is actually not added by you. Also inform Customer care at +91 0487 6613000 immediately
-
What should I do if I have more queries or any feedback regarding Dhanlaxmi Bank Mobile Banking?
You may visit to any of your nearest branch for any clarification (or) you may send an e-mail to customercare@dhanbank.co.in (or) call at +91 0487 6613000 .
|
