NIMB Smart

NIMB Smart: A Comprehensive Guide to Nepal Investment Mega Bank's Mobile Banking App

NIMB Smart is the official mobile banking application from Nepal Investment Mega Bank Limited, designed to put comprehensive financial control directly into your pocket. This powerful app transforms your smartphone into a secure, full-service banking terminal, enabling you to manage accounts, transfer funds, and pay bills from anywhere. For customers seeking a seamless and efficient way to handle their finances without visiting a branch, NIMB Smart delivers a streamlined, secure, and highly functional solution.

Secure Login and Account Dashboard

Accessing NIMB Smart begins with a secure login using your unique credentials. Upon successful authentication, you are immediately presented with a clear dashboard overview. This central screen displays the total balance of your linked accounts, providing a snapshot of your finances at a glance. From here, you can navigate to view recent transactions, check individual account details, and access the full suite of banking services. The dashboard of NIMB Smart is designed for clarity, ensuring you can find the information you need quickly and without confusion.

Instant Intra-Bank and Inter-Bank Fund Transfers

A core function of NIMB Smart is facilitating quick and easy money movement. To send funds, you select the 'Transfer' option, choose a beneficiary from your saved list or add a new one, enter the amount, and add a remark for reference. NIMB Smart allows for instant transfers within the NIMB network. For transfers to other banks, the app connects to the Nepal Clearing House Ltd. (NCHL) system, processing transactions efficiently. You receive an immediate confirmation upon successful completion of each transfer.

Utility Bill Payments and Mobile Top-Ups

Paying bills is streamlined within the NIMB Smart ecosystem. You select the 'Payments' menu and choose the specific service provider, such as an electricity authority, water board, or internet company. After selecting the provider, you enter your customer identification number (e.g., your utility account number or mobile number). The app fetches the outstanding amount, which you then review and authorize for payment. The process for mobile top-ups is similar, with the credit being applied to your phone number almost instantly after confirmation.

QR Code-Based Merchant Payments

For retail transactions, NIMB Smart supports a scan-to-pay feature. You open the QR scanner within the app and point your camera at a merchant's Fonepay QR code. The app automatically reads the merchant details and payment amount. You then verify the transaction details on your screen and enter your MPIN to confirm the payment. This contactless method provided by NIMB Smart offers a fast and secure way to pay at shops, restaurants, and other affiliated outlets, directly debiting the amount from your bank account.

Managing Saved Beneficiaries and Transaction History

To expedite future transactions, NIMB Smart allows you to build a secure list of frequent beneficiaries. After successfully processing a transfer to a new recipient, you have the option to save their account details with a recognizable nickname. This eliminates the need to re-enter full bank details for subsequent payments. Furthermore, you can review your entire financial activity by accessing the transaction history section. This log can be filtered by date and transaction type, providing a clear audit trail for all operations performed through NIMB Smart.

Security Protocols and PIN Management

Security is paramount within the NIMB Smart application. Every session is protected with encryption, and transactions are authorized using a secure Mobile PIN (MPIN) that only you know. The app also provides tools to enhance your security, such as the ability to change your MPIN regularly from the settings menu. For added protection, you can quickly block the mobile banking service directly through the app if your device is lost or stolen, ensuring immediate prevention of unauthorized access to your NIMB Smart account.