S. No.
Item
Description
1.
Product Name
State Bank Freedom (Mobile Banking Service)
2.
Function / Feature Mobile Top up
3.
Are you using Mobile banking over Application, WAP or USSD??
Mobile Top up over Application or WAP
- Select M-Commerce from the Main Menu
- Select Mobile Top Up and press OK button
- Enter name of the Service Provider viz, Airtel, Vodafone, Reliance
etc.
- Enter the mobile number (Enter 10 digits only. Please DO NOT
prefix 0 or +91 etc.)
- Enter amount of Top Up
(Applicants are requested to enter top up amount as per the
scheme of mobile service provider. Invalid amount may result in
rejection of Top up request)
- Select account to be debited from drop down Menu. If you have
only a primary account, this will be displayed else a list of linked
accounts will be displayed.
- Press on Option button and select Confirm
- Enter MPIN
- Press on Option button and select Confirm
You will receive following SMSs:
a) Request accepted for processing payment of Rs.....to Top UP
b) Rs..... credited to Top UP
c)
If for any reason the request is not accepted (e.g. top up amount may
not be as per the plan of the concerned mobile service provider, etc)
you will get a SMS that the Top UP amount has been reversed and
your account will be credited with the amount which had been
debited earlier for the Top Up.
If Mobile Top up over USSD follow the steps as under
1


Subscribers to Vodafone, Idea, Aircel, Airtel, Tata Docomo - to
send SMS “SBMBS” to 5616199
Subscribers to Vodafone can dial *595# also
You will receive a response “Welcome to State Bank Mobile
Banking. Enter your User ID “
Enter your User ID.
If the user ID is entered correctly, you get the following response.
Kindly Reply with your option Number:
1. Enquiry
2. Fund Transfer
3. Mobile Top up
4. Change MPIN.
5. Forgot MPIN
6. De- Register.
 Press ANSWER and enter (3) for Mobile Top Up and SEND
 Press ANSWER and enter the name of the Service Provider i.e.
Vodafone, Airtel, Idea, BSNL, TATA Docomo etc and SEND. You
can top up mobile numbers other than the number you are using
for Mobile Banking Service also.
 When prompted, Press ANSWER and enter 10 digit mobile
number (DO NOT prefix 0 / +91 etc.) and SEND.
 When prompted, Press ANSWER, enter the exact amount of
Top Up for the scheme and SEND.
 Enter MPIN and SEND.
 If the transaction is successful, the mobile that has been topped
up will get a message that the account has been topped up.
 You will get a response that Rs nnn received for Top up.
If the transaction fails for any reason, you will get a SMS that the
entry has been reversed. The amount debited from your account for
the top up will be credited back.
FOR A SUCCESFUL MOBILE TOP UP, PLEASE ASCERTAIN THE EXACT
AMOUNT FROM THE SERVICE PROVIDER FOR THE SCHEME OF THE
TOP UP.
2
FREQUENTLY ASKED QUESTIONS
Q. 1. I am sending request for mobile top up but I am getting a SMS that the amount
has been reversed. What is wrong?
You may not be sending the request for the correct amount as per the plan of the
prepaid mobile. Please find out the correct amount for the plan from the service
provider and send the request again.
Q. 2. How is the Top-up from mobile phone different from the mobile recharge
through recharge codes?
Under Mobile Top-up, you do not require to buy recharge codes of preset
denominations. You can enter the amount as per the plan of your prepaid connection
and submit your request through your Mobile Phone. The airtime (talk-time) limit is
increased automatically without any additional requirement.
Q. 3. Is there a charge for using this facility?
No, SBH provides this facility free of charge for its customers.
Q. 4. Is registration a pre-requisite for Mobile Top UP?
No separate registration is required for top-up through Mobile. You can recharge any
mobile number through the option ‘Mobile Top Up’ under M-Commerce in the main
menu.
Q. 5. What is the min and max amount I can recharge through this service?
Please check with your mobile operator for the same. The amount to be recharged
should be as per the plan of the prepaid connection.
Q. 6. When will my Bank Account be debited?
Your bank account will be debited immediately.
Q. 7. Will I get the same talk-time validity as I would at the local retailer?
Yes. You will get the same talk-time and validity as you would get at your local retailer.
Q. 8. Can I know what is the talk-time and validity that I will get before I do the
recharge?
Please check the same with the mobile operator’s call centre or their website.
Q. 9. How long does it take for me to complete a Top-up?
Normally, your mobile will get topped-up in less than 5 minutes. However, at times, due
to network congestion, it might take up to 2 hours. If it is not successful, you will get a
message that the amount is reversed and your account will be credited.
3
Q. 10. Will I receive a confirmation for completion of top-up through the facility?
Once the top-up is completed, you will receive a confirmation message from the
operator.
Q. 11. What if I do not get any confirmation message from the operator?
Once the top-up is completed, you will receive a confirmation message from the
operator. In case of non-receipt of confirmation message, please check the talk-time
limit of the mobile phone that you have recharged. If the talk-time does not increase,
please contact your operator.
Q. 12. Can I recharge when I am on roaming?
Yes, you can.
Q. 13. How can I recharge while I am traveling abroad?
If you are enabled for International roaming, you can recharge your mobile phone using
this facility. However, please check the cost of SMS to special numbers on International
roaming.
Q. 14. What will happen if, by mistake, I have entered the wrong mobile number
during Mobile Top Up and my account has been debited for the same? How do I get
the amount back?
In case the mobile number entered by you was a valid number, that number will get
recharged and the amount cannot be refunded. In case the number entered by you was
not a valid number, the amount will be reversed and your account will be credited.
Q. 15. When can my request be invalid?
A request will be invalid on account of following reasons:




Non existing mobile number
Post paid mobile number
Insufficient funds in your account
Incorrect amount as per the plan of the prepaid connection of service provider.
4