

Mobile Banking shall be governed by such terms and conditions as amended by the Bank from time to time. By using the Mobile Banking, the Customers thereby agree and consent to these Terms and Conditions, which form the contract between the Customer and Bank. Applicability of Terms and ConditionsĢ.1 No Customer is entitled to use the Mobile Banking without understanding and agreeing to the Terms and Conditions for Mobile Banking Service. Definitions: The following words and expressions shall have the corresponding meanings wherever appropriate.ġ.1‟ Account’, shall mean an account with the Bank in which a request for availing the Mobile Banking Service has been registered or re-registered with the Bank.ġ.2 „ Customer’ means the holder of an Account in J&K Bankġ.3„ MPIN’ shall mean the Personal Identification Number (password) for the Mobile Banking.ġ.4 ‘Mobile Banking’ shall mean Mobile Banking Service offered by the Bank and includes the service over the applicationġ.5 ‘USSD’ shall mean Unstructured Supplementary Service Dataġ.6„ Bank’shall mean Jammu and Kashmir Bank or any successor or assign of itġ.7„ Facility’ shall mean Mobile Banking facility provided by J&K Bank to the Customer.ġ.8„ Mobile Phone Number’ shall mean the Mobile number that has been used by the Customer to register for the Facility.ġ.9 ‘ Application’ shall mean the Bank’s Mobile Banking application which will be downloaded onto the mobile phone of the Customer.ġ.10„ WAP „means Wireless Application Protocol.ġ.11 „ Bank’s website means 2. All the accounts of the customer shall be available for transactions.ġ.

The default 4 digit MPIN received via SMS needs to be changed mandatorily to complete the registration.LOGIN Password is set by customer himself to a 4 digit number.

It works on two pins: LOGIN Password and MPIN which are both 4 digits.

