KBZ Personal Mobile Banking – General

KBZ Mobile Banking also known as mBanking is a mobile application which you can manage your financial transactions accessible anytime and anywhere conveniently on the go.

● NRC or Passport
● Phone Number
● E-mail

You can apply at nearest KBZ branches or can apply online by connecting with your bank account or ATM card.

Anyone who has KBZ bank accounts can apply for a KBZ mobile banking account.

● Interest will be calculated continuously as the same with your bank account
● 24/7 Accessible through both mobile and website portal
● Self-Registration can be done through the application with both KBZ Bank
● Account and KBZ ATM card
● It takes only just 5 Minutes to complete transactions
● Biometric Login (Face ID or Fingerprint Recognition) and One Time Password
(OTP verification) available to make your account more secure
● Easily top up for Visa/Master Cards
● USD-USD account can transfer for individual retail users
● USD- MMK Own Account Transfer
● Limits & Fees can be viewed within the application
● Accessible via RSA Software token for oversea users
● Change your username and password within the application and portal easily
● You can reset your password within the application if you forgot password
● Enjoy all the exclusive promotions within the app
● Get 24/7 Call Centre Support for KBZ Online Banking services

Limits & Fees tab can be checked inside the menu of mobile banking application for all types of transactions.

Yes, KBZ mobile banking service can be used anywhere with internet access.

MMK and USD currencies can be used in KBZ mobile banking.

Following bank accounts can be used in KBZ mobile banking

● Savings account
● Current account
● Term deposit account
● Loan account
● Call deposit account
● KBZ MPU Card account
● USD account

Yes, biometric login and OTP (one time password) verification process make KBZ mobile banking app more secure to use.

You can contact our call centre 09951018555 or KBZ Facebook messenger to reset
password or visit your nearest KBZ branch with the following information and
documents:

● NRC card
● Email Address
● Mobile Number

You can reset the password yourself by clicking “Forgot Password?” in the login page.
OR You can contact our call centre 09951018555 or KBZ Facebook messenger to reset password
OR visit your nearest KBZ branch with the following information and documents:

● NRC card
● Email Address
● Mobile Number

Yes you can change your username in iBanking portal https://ibanking.kbzbank.com/B001/login.jsp by clicking the “Customer Services” tab.
OR
You can contact our call centre 09951018555 or KBZ Facebook messenger to reset password visit your nearest KBZ branch with the following information and documents:

● NRC card
● Email Address
● Mobile Number

Your mobile banking account will be locked to prevent fraud if you tried to enter the wrong login User ID or Password and wrong transaction One Time Password (OTP) for more than 5 times.
You can contact our call centre 09951018555 or KBZ Facebook Messenger to unlock your account.

KBZ mobile banking will be automatically logged out if you forget to log out or if you are not using your KBZ mobile banking for some time after logging in. Please clear cache and try to login again.

Do not share your User ID, Password and OTP (one time password) with anyone. KBZ employees will never (never) ask the user’s account password and OTP.

You can contact our call centre 09951018555 (operating hours 24 hours) or KBZ Facebook messenger or email to ibanking.s[email protected] or visit the nearest branch.

No, you cannot change the email address online. Please kindly visit your nearest KBZ branch.

No, you cannot change the mobile phone number online. Please kindly visit your nearest KBZ branch.

FAQs- mBanking

The charges calculation formula in KBZ Bank Branch is KBZ Bank Charges | Communication Charges | CBMNET Charges | Other Bank Charges.

The charges calculation formula in KBZ online banking is KBZ Bank Charges | CBMNET Charges | Other Bank Charges.

Other Bank Transfer is one the domestic remittance that can transfer from KBZ bank to another bank.

There are four types in other bank transfer and they are Cash to Cash | Cash to Account | Account to Cash | Account to Account

Account to Account transfer is sender will send with bank account (Current, Saving, Call, OD) to the beneficiary(Receiver) bank account (Current, Saving, Call, OD)

The transfer limitation in m/iBanking is 990,000 as per Central Bank rule and we will update as soon as there has any changes in limitation. Bank’s Branch (OTC) is unlimited.

You will know the completed transaction within 10 minutes. You will know the success and failure transaction by receiving our SMS message.

The completed transactions will not get back the charges amount if you make a reversal to that transaction.

You can get your charges if the transaction is auto reversal.

All Retail and Corporate iBanking users can buy and use it.

It is very convenient and save the time that, one step to top up the mobile bills right away without physical cash transaction.

Yes, you can buy for other mobile number, just simply input the other mobile number that you would like to top up the mobile bills.

Users will receive right away the top up bill once they got the successful notification from mBanking system.

Yes, successful SMS will deliver from the related Telecom to the top up mobile number accordingly with the expired information.

Call and query to KBZ Bank Call Center +959 9510 18555 (available 24 hours) with your mobile top up information. And receive the information accordingly.

All Telecoms (MPT, Telenor, Ooredoo, MyTel and MEC) are available.

Top up bill 1000Ks, 3000Ks, 5000Ks, 10000Ks can be easily selected and bought in the system. Desirable amount can be typed by choosing “Other” and buy as per same duration with what Telco
is offering.

500Ks is the minimum bill for Top up.

There is no limitation for Top Up frequency. But maximum top up amount is 30,000Ks per transaction and daily range is up to 50,000Ks.

Up to 5 favourite mobile numbers can be saved in order to quick access for choosing numbers and deleted at any time.

All Retail and iBanking users can buy and use it.

It is very convenient and save the time that, one step to top up the mobile data right away.

Yes, you can buy for other mobile number, just simply input the other mobile number that you would like to top up the data.

Users will receive right away the data pack once they got the successful notification from KBZ mBanking system.

Yes, successful SMS will deliver from the related Telecom accordingly with the expired date.

Call and query to KBZ Bank Call Center +959 9510 18555 within operating hours from 6:00AM to 10:00PM with your mobile top up information. And receive the information accordingly.

All Telecoms (MPT, Telenor, Ooredoo, MyTel) are available.

It is same with all the available Telco range of good deals data packages apart from MyTel datapack. But the duration range is same.

It is same price with what Telco is offering. But can save the time with just one-step right away data package deal.

Bill Payment is a feature that allow customers to pay bill using KBZ mBanking.

Currently we have Electricity Bill Payment (YESC- Yangon, MESC- Mandalay), 5BB Broadband, Telenor Post Paid, YCDC and SkyNet bill payment in KBZ mBanking. Other products will be coming soon and we’ll update accordingly.

Bill payments save time using KBZ mBanking from the comfort of your home and office and avoid queues to pay bills at your EPC township offices.

You can check your phone sms after you paid the bill. If your bill payment is successful, Ref No will be included in this sms. Moreover, you can check your account activity under account overview.

YESC 52, MESC 6, Naypyitaw 5 townships are available to pay EPC bill payment through KBZ mBanking.

Customers can pay EPC Bill Payments from 13 th to 24 th monthly.

Electricity Bill payment last date are monthly 17,19,21,23,25 accordingly. KBZ mBanking Bill payer are only allowed to pay bill one day before each last date.

EPC Last DateKBZ Bank bill payment closed date
17th Monthly16th, 23:59:59 PM monthly
1918th, 23:59:59 PM
2120th, 23:59:59 PM
2322th, 23:59:59 PM
2524th, 23:59:59 PM
*EPC-Naypyitaw and MESC: Two-office day advance payment before the bank holidays if Last dates are bank holidays

It can be one of the facts in below information:

● Bill Subscription numbers must be YESC (9,10,12 digit), MESC (10,12 digit), EPC Naypyitaw (20 digit) (without any special numbers).
● Customer has Due Amount for last month.
● Customer don’t have to pay EPC Bill payments. (Zero bill payment in EPC Bill Data)
● Customer pay bill payment in Due Date/overdue.

EPC Bill Payment in KBZ mBanking limit the txn amount up to 5,000,000 MMK/txn.

Bill Payment charges are YESC- 100 MMK/txn, MESC-100 MMK/txn, EPC Naypyitaw – 100 MMK/txn.

*Customers can’t get a refund for double payment.

QuickPay service facilitates your payments real-time securely to your desirable billing companies listed under QuickPay for payments such as installments, tuition fees, monthly insurance premiums, internet and other bills.

● You can make payment to the billing company with two ways (Over-the-counter at branches and Online payment (mBanking and iBanking).
● For the OTC at branches, you need to visit with your nearest KBZ Bank branches and fill the required data in the QuickPay deposit slip.
● For the Online payment, you can use anytime & anywhere with the internet access, find the QuickPay tab, select the desirable company and then fill up the required data in iBanking / mBanking application.

Only opening hours at the branches (within 9:30 AM to 2:30 PM). You can also use iBanking/ mBanking 24/7 with internet access.

Your payment will reach to the billing company in real-time if the transaction was successful.

You have to inform as soon as possible to the KBZ Bank call center Hotline (09951018555) and they will help you with how to do it. The refund processing time is dependent on the receiving billing company verification of the wrong payment.

You can easily find the company name with their logos in the search box by typing.

You can block the card yourself via KBZ Online banking.

No. You cannot. You need to contact the nearest branch to open it.

No, you cannot.

No, you cannot withdraw cash at ATMs in the country. At Oversea ATMs Maximum $ 500 can be withdrawn.

Only $ 5 is to be paid.

No, you cannot.

Only the cards which are registered at m/iBanking can be topped up.

It is to be deposited $ 20 in minimum or the amount of MMK equivalent to $ 20.

It must be $ 5,000 in maximum or the amount of MMK equivalent to $ 5,000.

Currently, other currencies cannot be used other than USD.

Customers themselves can see the bank statements by registering at https://paymentcards.kbzbank.com.

Both Classic and Platinum Credit Card holders of Visa & UPI Credit card can make Payment.

Firstly, you need to register at KBZ Mobile Banking Application > Side Menu > Cards > Card Registrations @ Card Registration in the first page. The following information need to be filled:

● Card Number
● Currency
● Nick Name
● ID Type
● NRC/Passport Number

No, you can register only your card.

You can make payment with three options :

● Full Payment (Total Due Amount)
● Partial Payment (Minimum Due Amount)
● Other Payment

● Customers who give the Full Payment Instruction need to choose the full Payment.
● Customers who give the Partial Payment Instruction need to choose the Minimum Payment.

● VISA: It is a real time Payment, as soon as you make Payment it will affect once.
● UPI: Payment status have to check within 2 – 5minutes

You will receive an SMS after successful payment to the Card Account. Sample SMS as below :
“KBZ-Card No:***1234, online repayment transaction successful, Amount:100,000MMK. Date:02/06/2020.Time04:00.”

VISA – Auto reversal in real time
UPI – have to wait to make repayment to your card account 1-Day (At the end of the Day Card Operation team will reconciliation and will repayment to your card account)

Yes, you can make payment 24×7.
But cannot make the payment on before payment due date & payment due date.

● VISA – 29 and 30 of the Month
● UPI (Classic) – 4 and 5 of the Month
● UPI (Platinum) – 9 and 10 of the Month

Side Menu > Cards > Card Account Detail
You can check the following information of the registered card at the Card Account Detail menu.

● Card Type
● Card Number
● Card Holder Name
● Card Expired Date
● Minimum Repayment Amount (if have Total Amount Due)
● Card Balance=Total Outstanding amount on the current date
● Available Amount

KBZ Business Internet Banking – General

KBZ Business Internet Banking also known as iBanking is a web channel where customers can manage real-time financial transactions by using PCs, Laptops, Smartphones etc. with internet access. It is a good tool for all business types ranging from small, medium and large international companies.

You can still access KBZ Mobile Banking with any Android and iOS devices.

But it’s recommended that you use with PC or laptop for corporate users.

  • Business iBanking Application Form
  • NRC copy of Maker and Checker
  • Business License
  • BOD Resolution form
  • Form-6, Form-26
  • Company Stamp/BOD Stamps
  • Email and mobile number of Maker and Checker
  • QuickPay slip for RSA purchase

Maker is the one who does financial transactions in Business iBanking and Checker is the one who checks & approves maker’s financial transactions in Business iBanking.

  • RSA software token is a type of authentication security software installed on your mobile phone that generates a PIN when you make the online banking login or transactions process
  • RSA hardware token – a physical device that generates security codes needed when a user is authenticating themselves during login or transactions process 

You can apply by going to the nearest KBZ branches.

Anyone who has KBZ business bank accounts( KBZ Current Account) can apply for a KBZ Business iBanking account.

  • can make the payment 24/7 through QuickPay
  • can transfer without limitation amount
  • can get support from KBZ Bank call center 24/7 if you need any assistance
  • can check the payment history at the account activity
  • can search easily the name with the company’s logo by scrolling 
  • can use the search box to find the company’s name by typing

You can access KBZ Business iBanking by using computers, Android and iOS devices

Mozilla Firefox, Google Chrome, Internet Explorer and Safari can be used to access KBZ Business iBanking.

KBZ Business Operations Team will contact you via email for account activation within 7 working days after you have submitted all the required information and have been successfully verified by the branch.

  • Account Balance Check/ Statement
  • Own Account Transfer, Internal Account Transfer, Multiple Account Transfer, Other Bank Transfer
  • Mobile Top Up
  • Tax Payment, Bill Payment
  • Bulk Transactions (Transfer large volume of transactions for Payroll and Supplier Payments  to other KBZ accounts) 
  • Cheque Book Request
  • USD to MMK Own Account Transfer

 you can do all those financial transactions within one portal.

  • Visit the nearest branch or contact Operations Team via [email protected]
  • Submit the application form with modified information – old &  new mobile phone numbers and email addresses of maker and checker.

Go to https://ibanking.kbzbank.com/B001/login.jsp.

  • You can change your user ID/name in the Side Menu →  Preferences tab.
  • You can change your password in Side Menu → Change Password.

You can reset your password by bringing following documents to nearest branch or contact Business iBanking Operations Team via 

[email protected] :

  • NRC original
  • Company Letter Head with the description of modification information signed by one of    BOD members
  • Refilled application form by ticking in Modification /Forget Password box
  • New & Old Mobile Numbers and Email addresses
  • Existing Username for password reset

Limits & Fees tab can be seen inside the menu of the internet banking portal for all types of transactions.

You can contact our call center 09951018555 (operating hours 24 hours) or KBZ Facebook messenger or email to [email protected] or visit the nearest branch.

FAQs- iBanking

The charges calculation formula in KBZ Bank Branch is KBZ Bank Charges | Communication Charges | CBMNET Charges | Other Bank Charges.

The charges calculation formula in KBZ online banking is KBZ Bank Charges | CBMNET Charges | Other Bank Charges.

Other Bank Transfer is one the domestic remittance that can transfer from KBZ bank to another bank.

There are four types in other bank transfer and they are Cash to Cash | Cash to Account | Account to Cash | Account to Account

Account to Account transfer is sender will send with bank account (Current, Saving, Call, OD) to the beneficiary(Receiver) bank account (Current, Saving, Call, OD)

The transfer limitation in m/iBanking is 990,000 as per Central Bank rule and we will update as soon as there has any changes in limitation. Bank’s Branch (OTC) is unlimited.

You will know the completed transaction within 10 minutes. You will know the success and failure transaction by receiving our SMS message.

The completed transactions will not get back the charges amount if you make a reversal to that transaction.

You can get your charges if the transaction is auto reversal.

QuickPay Service is helping to deposit your payment securely to your desirable company which is a billing company connected with KBZ Bank if you need to pay any payment such as loan, Tuition fee, monthly fees for insurance premiums and internet billing.

  • You need to visit your nearest KBZ Bank Branches and fill the required data in the QuickPay deposit slip.
  • You can use the QuickPay tab in iBanking / mBanking application, find the desirable company and then fill up the required data.
  • Only opening hours at Branches (working hours within from 9:30 AM to 3:00 PM)
  • You can use iBanking / mBanking 24/7 with internet connection.

Your payment will reach the company in real-time if the transaction was successful.

You need to inform the KBZ Bank Call Center Hot-line (09- 09951018555) and they will help you with how to do it. The refund processing time is depending on the receiving company which is your wrong payment.

You can easily find the company name with their logos in the search box by typing.

Online Tax Payment feature is to provide convenience and time-saving way for corporate and retail customers to make Corporate and Employee Tax payments to Internal Revenue Department via KBZ Bank online banking.

No need to register. Tax Payment feature can be used by all Online Banking users (Retail & Corporate).
The taxpayer only needs TIN number (provided by DICA – Directorate of Investment and Company Administration and IRD – Internal Revenue Department).
TIN Number means “Tax Payer Identification Number”.

You can’t get a refund for tax payment amount after making payment. If the tax payment is made wrongly by the customer (or) customer enters the wrong payment details, the customer needs to inform IRD directly within 24 hours and resolve it with IRD.

The following tax payment types are available:

  • Income Tax 
  • Commercial Tax 
  • Specific Goods Tax 
  • Capital Gains
  • Gemstone Tax
  • PAYE (Pay as you earn) (Monthly)

You can pay Tax Payment through KBZ iBanking 24/7 without going to the IRD office.

Bank Working Day:

  • If customer makes the tax payment between 9:30 am to 2:30 pm on a Bank Working Day, the tax payment will be transferred via CBMNet to IRD bank account at MEB on the same day.
  • If customer makes the tax payment outside of these hours (9:30 am to 2:30 pm), the tax payment will be transferred via CBMNet to IRD bank account at MEB on the next bank working day.

Bank Holiday:

  • If customer makes the tax payment on Bank Holidays, the tax payment will be transferred via CBMNet to IRD bank account at MEB on the next bank working day.

After paying Tax Payment through KBZ iBanking, customer can download the e-receipt provided by KBZ Bank after payment is completed. Once KBZ Bank has made the settlement to IRD via CBMNet, IRD will send the E-Payment chalan notification via email.

You can check Tax Payment transactions history under: 

  • Retail iBanking User: Customer Services > Transactions
  • Corporate iBanking User: Transaction Activities > Transactions

IRD (Internal Revenue Department) will inform taxpayer that payment is received by IRD and E-Payment chalan via email (that customer provided in KBZ iBanking Payment Details) accordingly.

Customer needs to ensure that the email address provided is correct in order to receive the payment receipt email notification from IRD.

Companies, Corporates, and SME can pay Tax Payment.

Tax Payment Amount
(MMK)
MEB
Charges
CBMNet
Charges
KBZ iBanking ChargesTotal Charges
(MEB + CBMNet + KBZ)
1,000 – 10,000,0002,0005002,5005,000
10,000,001 – 100,000,0002,0005007,50010,000
100,000,001 – 1,000,000,0002,00050012,50015,000
1,000,000,001 and above2,00050027,50030,000

The maximum transaction limit is MMK 5,000,000,000.

Personal Income Tax cannot be paid via KBZ iBanking Online Tax Payment.

Bill Payment is a feature that allow customers to pay bill using KBZ iBanking.

Currently we have Electricity Bill Payment (YESC- Yangon, MESC- Mandalay), 5BB Broadband, Telenor Post Paid, YCDC and SkyNet bill payment in KBZ iBanking. Other products will be coming soon and we’ll update accordingly.

Bill payments save time using KBZ iBanking from the comfort of your home and office and avoid queues to pay bills at your EPC township offices.

You can check your phone SMS after you paid bill. There is your bill payment successful Ref No will be included in this SMS. Moreover, you can check your account activity under account overview.

YESC 52, MESC 6, Naypyitaw 5 townships are available to pay EPC bill payment through KBZ iBanking.

Customers can pay EPC Bill Payments from 13th to 24th monthly.

Electricity Bill payment last date are monthly 17,19,21,23,25 accordingly. KBZ iBanking Bill payer are only allowed to pay bill one day before each last date.

EPC Last DateKBZ Bank bill payment closed date
17th Monthly16th, 23:59:59 PM monthly
1918th, 23:59:59 PM
2120th, 23:59:59 PM
2322th, 23:59:59 PM
2524th, 23:59:59 PM
*EPC-Naypyitaw and MESC: Two-office day advance payment before the bank holidays if Last dates are bank holidays

It can be one of the facts in below information:

  • Bill Subscription numbers must be YESC (9,10,12 digit), MESC (10,12 digit), EPC Naypyitaw (20 digit) (without any special numbers).
  • Customer has Due Amount for last month.
  • Customer don’t have to pay EPC Bill payments. (Zero bill payment in EPC Bill Data)
  • Customer pay bill payment in Due Date/overdue.

EPC Bill Payment in KBZ iBanking limit the txn amount up to 5,000,000 MMK/txn.

Bill Payment charges are YESC- 100 MMK/txn, MESC-100 MMK/txn, EPC Naypyitaw – 100 MMK/txn.

*Customers can’t get a refund for double payment.