Seamless Global Banking: Machhapuchchhre Bank’s MBL M-Smart International Service

4th November 2025, Kathmandu

Machhapuchchhre Bank Limited (MBL) is bridging the geographical gap for the Nepali diaspora with its International MBL M-Smart Service.

MBL M-Smart International Service

This innovative mobile banking feature allows Nepali customers residing abroad to securely and conveniently access their bank accounts in Nepal using their international mobile numbers, completely eliminating the need for a Nepali SIM card or expensive international roaming. This service is a major convenience for Non-Resident Nepalis (NRNs) who wish to manage their finances, remit funds, and pay bills in Nepal, making banking truly borderless.

Key Benefits of International MBL M-Smart Access

The International MBL M-Smart Service is specifically designed to address the primary pain points of mobile banking usage for customers living outside of Nepal.

Global Accessibility and Cost Savings

Global Access: The service enables users to fully operate the MBL M-Smart app with their international mobile number from anywhere in the world, including countries like Japan, Australia, the USA, Canada, and the UAE.

No Roaming or Nepali SIM Required: Customers can bypass the hassle and high cost associated with maintaining an active Nepali SIM card or incurring exorbitant international roaming charges. This provides financial relief and operational simplicity for the Nepali community abroad.

Convenient and Comprehensive Banking

Once registered, customers retain full access to all standard mobile banking features, ensuring they can manage their Nepali accounts seamlessly:

Fund Transfers: Easily transfer funds between MBL accounts, to other bank accounts via Fonepay/IPS, and load various digital wallets like eSewa, Khalti, and IME Pay.

Bill Payments: Conveniently pay utility bills (electricity, water, internet), credit card bills, and top up mobile services (Ncell, NTC, etc.).

Account Management: Check account balances, view mini-statements and transaction history, and access loan or credit card statements.

Service Reach and Available Countries

The International MBL M-Smart Service is available in a large network of countries, targeting major hubs for the Nepali working and student population.

Service Availability

The service is currently supported in a list of 39 countries, including key global locations:

Asia & Middle East: Japan, South Korea, Malaysia, Singapore, Thailand, Kuwait, Qatar, Oman, Saudi Arabia, United Arab Emirates (UAE), Bahrain, Maldives, Bhutan, Bangladesh, Myanmar, Cambodia, Israel.

Europe: United Kingdom, Germany, France, Italy, Spain, Norway, Belgium, Denmark, Luxembourg, Poland, Czech Republic, Croatia, Romania, Cyprus, Malta, Turkey.

Americas & Oceania: USA, Canada, Australia, New Zealand, Brazil.

This wide reach underscores MBL’s commitment to facilitating banking services for the global Nepali community.

Registration Process and Fees

The registration process is straightforward, requiring the submission of necessary documentation to update the mobile number linked to the M-Smart service.

Simple Registration Steps

Obtain Forms: Download or collect the required forms: the Mobile Banking Registration Form and the Mobile Number Verification/Declaration Form.

Fill Details: Fill in the forms accurately, ensuring your active international mobile number is clearly stated.

Submission: Submit the completed forms to your nearest MBL branch or through the bank’s official digital channels, typically the registered email address.

Activation: MBL will conduct a verification of your documents and update your contact information in their system. Once verified, the M-Smart service will be activated for immediate international use.

Fees and Charges

While the service offers tremendous convenience, it is subject to standard banking fees:

• Applicable Charges: Annual subscription and renewal fees apply as per MBL’s Standard Tariff Charges (STC).
• International Mobile Number Fee: According to MBL’s current STC, the annual subscription and renewal fee for the service with an International Mobile Number is NPR 1,000 per account. This ensures continued access to the international SMS notification and authentication features essential for cross-border mobile banking security.

This service is a crucial resource for Nepalis abroad, providing a secure, official, and convenient channel to manage their Nepali savings and financial commitments.

For More: MBL M-Smart International Service