Banking via USSD

National Unified USSD Platform (NUUP)
NUUP (National Unified USSD Platform) is a USSD based mobile banking service from NPCI that brings together all the Banks and Telecom Service Providers. In NUUP, a customer can access banking services by just pressing *99# from his/her mobile phones. This service works across all GSM mobile handsets.
Banking via USSD
Unstructured Supplementary Services Data (USSD) is a session based service, unlike SMS which is a store and forward service.
*99# service has been launched to take the banking services to every common man across the country. The innovative payment service *99# works on Unstructured Supplementary Service Data (USSD) channel. This service allows mobile banking transactions using basic feature mobile phone, there is no need to have a mobile internet data facility for using USSD based mobile banking.
Banking customers can avail this service by dialling *99#, a “Common number across all Telecom Service Providers (TSPs)” on their mobile phone and transact through an interactive menu displayed on the mobile screen. Key services offered under *99# service include interbank account to account fund transfer, balance enquiry, mini statement besides host of other services.
Advantages of USSD
The USSD platform which is Mobile Network Operator (MNO) dependent can be efficiently used by the mobile banking platforms due to the following advantages:
USSD works on all GSM phones irrespective of make, model or service provider – thus all phones including low-end phones are capable of handling this.
It does not require any application/software to be downloaded to the handset. It is interactive in nature – and thus enables complex transactions as well which may not be possible through SMS.
It is a session based communication i.e. it does not store any data on the phone and transaction terminates as the session end.
USSD utilizes the same capability as the voice calls hence the coverage is available at most parts of the country having GSM voice call coverage.
It is secure and much faster than traditional SMS based transactions.
Services Offered under USSD Platform
  • Balance enquiry
  • Mini Statement
  • Funds transfer
  • Know MMID
  • Change M-PIN
  • Generate OTP
Transaction Limit
Rs 5,000/day
Rs 50,000/annum
How to activate
  • Provide KYC (Know Your Customer) information to open a new account
  • Mobile no. should be  linked with bank a/c
  • Register for USSD/Mobile Banking as per Bank’s procedure
  • Get MMID (Mobile Money Identifier)
  • Get MPIN (Mobile PIN)
Security Features
  • Your account details are safe through our in-built USSD encryption “No store, just forward” facility
  • Quick and secure transmission of information over GSM networks through session-based service
  • Can be accessed only on the mobile number that you have registered with Bank
  • Your account number is partially masked while you access *99#
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