Garima Bank Digi Batuwa: A Powerful And User-Friendly Solution

3rd August 2025, Kathmandu

In an era where digital convenience is a primary driver of customer expectations, Garima Digi Batuwa stands out as a powerful and userfriendly solution from Garima Bikas Bank Limited.

Garima Bank Digi Batuwa

This platform is more than just a mobile app; it’s a unified digital banking ecosystem that provides a seamless and secure experience across mobile apps and web browsers, all with the same login credentials. Garima Digi Batuwa is designed to empower users, giving them a full suite of banking features at their fingertips, from transferring funds and paying bills to checking balances and managing accounts, securely and efficiently.

Reimagining Banking Convenience with Advanced Features

Garima Digi Batuwa is packed with a wide array of features that redefine banking convenience by simplifying financial transactions and account management for customers. Some of the platform’s most notable features include:

• Interbank Fund Transfer: The platform seamlessly integrates with national payment networks such as NCHL, IPS, and connectIPS. This allows users to transfer money to any bank account in Nepal instantly, significantly reducing the need for inperson transactions and saving valuable time.
• Utility Bill Payments: Garima Digi Batuwa acts as a onestopshop for a variety of bill payments. Users can easily pay for essential services such as electricity, water, internet, and television, as well as traffic fines, all from a single interface.
• Mobile TopUp: The app allows users to recharge their mobile phones instantly, supporting all major telecom providers. This feature is particularly useful for staying connected on the go without the hassle of buying physical recharge cards.
• Ticketing Services: For travel and leisure, the app provides a convenient way to book airplane, bus, and cable car tickets, making travel planning simpler and more integrated with your financial activities.
• Unified Login: A key feature of Garima Digi Batuwa is its omnichannel approach. Customers can use a single username and password to access both the mobile app and the dedicated web version, ensuring a consistent experience regardless of the device they are using.
• Account Management: Users can instantly check their account balance, view ministatements for recent transactions, and request full account statements. They can also perform other banking activities, such as requesting fixed deposits and digital cheque books, directly from the platform.
• Offline Functionality: Recognizing that not all areas have reliable internet access, the platform also supports SMSbased banking, which allows customers to perform basic banking services even without an internet connection.

Accessibility for Domestic and International Users

Garima Digi Batuwa is built for maximum accessibility, with dedicated services for both domestic users and Nepali customers residing abroad.

For Domestic Users:
The platform is available on all major app stores:
Android: Google Play Store
iOS: App Store
Web Access: https://digitalbatuwa.garimabank.com.np

Domestic users enjoy generous transaction limits, which are structured to support both personal and business needs:

• Mobile App: A per-transaction limit of up to NPR 100,000, with a daily limit of NPR 300,000 and a monthly limit of NPR 3,000,000.
• Web Banking: The limits are even higher for web banking, allowing for up to NPR 500,000 per transaction, a daily limit of NPR 2,000,000, and a monthly limit of NPR 3,000,000.

These high thresholds give customers the flexibility to handle a significant volume of payments and transfers securely.

For Users Residing Abroad:
Garima Digi Batuwa also caters to Nepali citizens living outside the country, with a specific set of features and a simplified registration process. To activate the service from abroad, customers must submit a signed application form and a copy of their passport via email to the bank’s official email addresses. It is crucial to have a verified Nepalregistered mobile number and an updated email address, as OTPs (OneTime Passwords) can be sent via email if SMS services are unavailable.

Users abroad have access to limited but essential services with specific daily transaction limits:

• Send Money & Interbank Transfer (IPS): Up to NPR 50,000 per day.
• Wallet & NPI Transfer: Up to NPR 10,000 per day.
• Schedule Payments: Up to NPR 50,000 per day.
• Other Services: Access to nontransactional features like account balance inquiries, statements, and digital cheque requests.

This tailored approach ensures that Nepali citizens working or living abroad can stay connected to their finances back home with enhanced security and control.

Fostering a Culture of Digital Security

Garima Bikas Bank places a strong emphasis on digital security and provides its users with a set of best practices to ensure safe banking:

• Official App Downloads: Customers are advised to only download the app from official sources like the Google Play Store or Apple App Store to avoid fraudulent versions.
• Device Hygiene: Users should never store passwords or other sensitive information on their devices, and they should change their PINs and passwords regularly.
• Email and Internet Safety: The bank warns against clicking on suspicious links or downloading unknown attachments from unsolicited emails or messages.
• Access Control: Customers should never share their app credentials with anyone and must immediately notify the bank if their registered mobile number changes.
• Transaction Awareness: It is important for users to carefully verify recipient details before approving any transaction to prevent accidental payments or fraud.

By combining these robust security protocols with user education, Garima Digi Batuwa provides a trustworthy environment for digital banking.

Final Thoughts: A Complete Banking Ecosystem

Garima Digi Batuwa is more than a digital tool; it is a complete banking ecosystem designed for the modern user. Its seamless integration across multiple channels, wide range of features, and dedicated services for both domestic and international customers make it a toptier digital banking solution. With its focus on userfriendliness, security, and accessibility, Garima Bikas Bank is not just keeping pace with the digital revolution; it is leading it. Whether you’re paying a bill from your living room, booking a flight from your mobile, or managing your account from abroad, Garima Digi Batuwa gives you the power to bank smartly and securely.

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