NUUP (National Unified USSD Platform) is a mobile banking service provided by NPCI (National Payment Cooperation of India) which works on the USSD technology. Customers can avail of basic mobile banking services of IDBI Bank just by dialing the short code *99# from their mobile phone, irrespective of the telecom service provider, mobile handset capability or the need for a mobile internet plan.
USSD (Unstructured Supplementary Service Data) is a transmission protocol used by GSM cellular telephones to communicate with the Telecom Service Providers (TSP). Though similar to Short Messaging Service (SMS), USSD messages however create a real-time connection which remains open, allowing a two-way exchange of data.
On dialing the short code *99# you will be first prompted to input the bank's IFSC code i.e. IBKL after which an interactive menu with various banking services will be displayed on the screen. You may then select the relevant banking service from the list of options available.
Benefits of NUUP (USSD) service
- An interactive session oriented service
- Simple and easy to use
- Works on almost all GSM handsets
- GPRS connection not required
- Works even while on the move
- More secure than SMS
Services currently available
- Balance Enquiry
- Mini Statement
- Fund Transfer to Mobile Number (MMID based)
- Fund Transfer to Account Number (IFSC based)
- Know your MMID
How do I enroll or activate for the USSD (NUUP) service?
Step 1. Register for Mobile Banking channel online through Net Banking or submit the Channel Registration Form at the nearest Branch. In case you are already registered for Mobile Banking (SMS or Browser based) please skip this step and follow step 2.
Step 2. Visit our website www.idbi.com and select the Net & Mobile 'Set Password' and validate your debit card credentials to enable USSD channel and create the 4 digit USSD MPIN.
How do I access the NUUP (USSD) service?
1. Dial *99# from your GSM mobile phone.
2. You will receive a welcome message as "Welcome to National Unified USSD Platform - NUUP. Please enter first 4 letters of your Bank - IFS code or NUUP code to begin."
3. Type IBKL which is the first 4 letters of IDBI Bank's IFS code.
4. Menu options like Balance Enquiry, Fund Transfer etc will be displayed on your mobile screen.
5. Select the desired option from the menu and enter the details as requested in the session.
6. Enter the MPIN and confirm the transaction.
7. You will receive a confirmation on your mobile screen with the desired information /confirmation for the transaction.
What is the limit of Fund Transfer?
Maximum per day transaction limit for NUUP (USSD channel) is Rs.5,000/- as is applicable to SMS based funds transfer (in line with the RBI guidelines).
How many transactions are allowed per session?
Only one transaction is allowed per session. Dial *99# to initiate a fresh transaction.
Which type of transactions can be performed through the NUUP (USSD) channel?
Currently only IMPS based funds transfer transactions can be carried out on the NUUP service (besides other account inquiry based services).
What are the charges for USSD mobile banking service?
IDBI Bank is providing this service free of cost. However Telecom Service Providers charge Rs. 1.50 per USSD session as per the pre-paid plan / in the post-paid billing cycle.
Which are the mobile operators connected in NUUP network?
The list of telecom Operators participating in the NUUP service is available at the following link - http://www.npci.org.in/pro_pb.aspx
What should I do in case I face an error ‘Invalid Command’ or ‘Try again’?
In case you face errors like ‘Invalid Command’ or ‘Try again’, please check if your mobile operator is in the NUUP list. If yes, then the error may be due to a network issue in your area. You may try initiating the transaction after sometime. In case the issue persists, please check with your mobile operator.
Will it work on only Java enabled or on basic mobile handsets? Will it require mobile internet connection or some software to be downloaded?
NUUP service does not require any mobile internet connection or software to be downloaded on the mobile. It works even on the most basic GSM mobile handsets
Do I need to have GPRS or Data plan for using USSD?
No need to have GPRS or any such data connection on your mobile. You can use the service from any GSM mobile which has a voice calling capability.
Does it work on CDMA mobile?
USSD channel is supported only on GSM mobiles.
Can I use this service if my mobile number is not registered with the Bank?
No. You need to first register yourself for the Mobile Banking Channel and ensure that your current mobile number is also updated with the Bank.