Kamana Sewa Bikas Bank: A Comprehensive Digital Banking Ecosystem

5th August 2025, Kathmandu

Kamana Sewa Bikas Bank (KSBBL) has established itself as a forwardthinking financial institution, offering a robust and comprehensive suite of digital banking services designed to meet the diverse needs of its customers. The bank’s digital ecosystem is built around convenience, security, and accessibility, providing a seamless banking experience through multiple channels.

Kamana Sewa Digital Banking

From a powerful mobile banking platform to a range of secure payment cards and advanced services like Smart Teller and QR payments, KSBBL’s digital offerings are at the forefront of modern banking in Nepal.

1. KS iMobile: The OmniChannel Digital Hub

The cornerstone of Kamana Sewa Bikas Bank’s digital strategy is KS iMobile, a sophisticated omnichannel platform accessible via both a mobile application and a web browser. This unified platform allows customers to manage their finances anytime, anywhere, with a single set of credentials.

Key Services & Features:
KS iMobile is packed with a wide array of features, making it a true allinone financial tool. Customers can view their account statements, pay credit card bills, and top up their mobile phones with ease. The platform facilitates interbank fund transfers, allows for the scheduling of recurring payments, and provides advanced services like eCash and Digital Vouchers. Additionally, users can book airline and movie tickets directly through the app, demonstrating the platform’s versatility. The app is designed to be userfriendly, secure, and is available for download on both the Google Play Store and the App Store.

Transaction Limits:
KS iMobile is designed to accommodate various transaction needs with flexible limits:

• Mobile App: The pertransaction limit is NPR 200,000, with a daily limit of NPR 300,000 and a monthly limit of NPR 2,000,000.
• Web Browser: The web banking platform offers significantly higher limits, with a maximum pertransaction limit of NPR 2,000,000, a daily limit of NPR 2,000,000, and a monthly limit of NPR 5,000,000.

2. KSBBL Debit Cards: Secure and Versatile Payments

Kamana Sewa Bikas Bank offers two types of debit cards to cater to different customer needs: the KSBBL UPI Debit Card and the KSBBL Visa Debit Card. Both cards are equipped with advanced security features and are widely accepted.

KSBBL UPI Debit Card
This card is a product of KSBBL’s partnership with the UnionPay network. It is an EMV chipbased card with a 4year validity, ensuring secure transactions.

• Key Features: It supports contactless payments and can be used at all SCT ATMs and POS terminals in both Nepal and India.
• Fees & Charges: The card is free for the first year, with an annual fee of NPR 750 from the second year onwards. A reissuance fee of NPR 250 and a PIN regeneration fee of NPR 100 apply.
• Transaction Limits (ATM & POS): The limits are welldefined for both countries. In Nepal, the daily ATM withdrawal limit is NPR 100,000, with a monthly limit of NPR 400,000. For POS transactions, the daily limit is NPR 300,000 and the monthly limit is NPR 600,000. In India, the daily ATM withdrawal limit is INR 10,000, and the POS limit is INR 100,000.

KSBBL Visa Debit Card
This card operates on the globally recognized Visa network. It offers similar security and convenience features as the UPI card, but with a 5year validity.

• Key Features: It is also EMV chipenabled and supports contactless payments. It is accepted at all VISA ATMs and POS terminals in Nepal and India.
• Fees & Charges: This card is also free for the first year, with an annual fee of NPR 1,400 from the second year. The reissuance and PIN regeneration fees are also applicable.
• Transaction Limits: The transaction limits for the Visa card are identical to the UPI card. However, it also includes a specific TaptoPay POS limit of NPR 2,000 per transaction.

3. Smart Teller & QR Scan and Pay

KSBBL has integrated advanced services to provide a truly paperless and cardfree banking experience.

• Smart Teller: This innovative service allows customers to withdraw cash securely from the bank’s branches using a QR code generated by the KS iMobile app, eliminating the need for a debit card or cheque. The service has a daily withdrawal limit of NPR 200,000.
• QR Scan and Pay: KSBBL is a leader in promoting QRbased payments, supporting both Fonepay and WeChatUnionPay. This service allows for instant, paperless payments from over 58 banks and wallets, including eSewa, Khalti, and IME Pay. The international support via WeChatUnionPay is a significant feature for businesses that deal with international customers.

4. Safe Deposit Locker Facility

Beyond its digital offerings, KSBBL also provides essential physical banking services like Safe Deposit Lockers. This service is available at branches nationwide, offering a secure way for customers to safeguard their valuables. The service requires a filled locker request form, citizenship, photos, and an updated KYC for a secondary applicant.

5. Other Digital and Banking Services

Kamana Sewa Bikas Bank’s digital portfolio is further enhanced by services like Viber & Messenger Banking, which allows customers to perform basic banking tasks through popular messaging apps. The bank also provides crucial financial market services such as DEMAT services and ASBA/CASBA for share market investors. Additionally, the bank offers insurance sales (NonLife) linked to loan products, providing a onestopshop for both credit and insurance needs.

In summary, Kamana Sewa Bikas Bank’s digital banking suite is a comprehensive, secure, and userfriendly ecosystem. With platforms like KS iMobile, advanced debit cards, innovative payment solutions, and other valueadded services, the bank is successfully catering to the evolving demands of the modern customer, solidifying its position as a key player in Nepal’s digital financial landscape.

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