VCBL-Mobi App User Guide
On-line Registration for Mobile Banking Facility
Get a customized application for your device that provides an intuitive and rich user experience consisting of
easy-to-navigate screens and menus. Download the VCBL Mobi App from Google Play store for Android
Mobiles & from Apple store for IOS Mobiles and register yourself for VCBL Mobile banking Services, if you are
already registered with VCBL Debit Card Services or registered your phone number for SMS Alerts. Otherwise,
visit your nearest Branch for Mobile Banking registration along with latest KYC documents & photo.
On-Line Registration /usage of Mobi App by existing customer Process flow
1. Download the VCBL Mobi App from Google Play store/Apple store
2. On clicking the downloaded App, Welcome screen with message “Welcome to Bank” will be displayed
3. If customer is already registered with Mobile Banking services, App will ask the customer to enter the
details of MPIN
4. If the Mobile number is not registered for Mobile Banking Services, then a message will be displayed
as “You are not registered for IMPS, do you want to register”.
5. If the Customer clicks “Yes”, then the App will entails the customer for registration using his VCBL
Debit Card number
6. Customer is prompted to enter Debit Card number(16 Digits) and valid to date (MM/YY) and click on
“Submit”
7. MB App will send the request through MB Service to CBS (Bank) to identify if Debit Card belongs to
the registered Mobile number or not.
I) If Debit Card belongs to the registered Mobile number, entire customer details associated are
fetched from the CBS in the form of response.(SUCCEESS)
II) If debit card does not belong to the registered Mobile number, then response generated
from CBS to MB Service to MB App& message displayed as “Enter Valid Debit Card
number”(FAILURE)
III) After successful entering of correct card details, SMS Aggregator sends an SMS to Customer’s
Mobile No. with the OTP details
IV) On entering the correct OTP details & “Submit” by the customer, another message will be
send to customer’s Mobile No. with MPIN & TPIN details
V) Customer is then prompted to enter MPIN & TPIN received by SMS
VI) Once, the details were rightly entered & confirmed by Customer, App will allow the Customer
to log in to the Application
VII) Immediately, System prompts with new message for changing of MPIN & TPIN
VIII) Customer enters new MPIN & TPIN which is 4 digits long as per his choice and also confirms
the same.
IX) System prompts Customer with message “Are you sure you want to update the MPIN”
X) If customer clicks “Yes”, process continues.
XI) If customer clicks “No” ,then process is cancelled.(FAILURE)
Customer is then prompted by MB App to login with the New MPIN and permits the customer to avail Mobile
Banking services
Facilities/Options available under Visakhapatnam Co-op Bank Mobile Banking
Balance Inquiry - Customers can view the effective Available balance of the account.
Mini Statement - Last 10 transactions (both credit and debit legs) in the registered accounts(Both
Primary& Linked Accounts )can be viewed using this option
Funds Transfer (For transfer of funds within the Bank)
IMPS –For transfer of funds to other Bank Accounts
Fund transfer to all added beneficiary will be done through this option.
Types
Own – Customer can transfer within his/her own accounts.
Within – Customer can transfer to other Visakhapatnam co-op. Bank account using A/c No.
IMPS – Customer can do IMPS transfer to other banks accounts through this option. Customer can do
P2A (Person to account) using account number & IFSC
Manage Beneficiary – Customer can view all added beneficiary under this option.
Add/Delete Beneficiary option is available to add new beneficiaries or delete the existing
beneficiaries. By adding Beneficiary, customer can perform hassle free fund transfers without giving
the details of IFSC code &Account number every time
o Type of beneficiary to be selected. For e.g. Within Bank(Using account number Intra Bank),
Other Bank(Using Account Number and IFSC Code)
o Account Number to be entered and confirmed.
o IFSC details to be entered in case of other bank beneficiary.
