Shangri-la Smart Mobile Banking: Empowering Customers with Digital Convenience and Security

14th November 2025, Kathmandu

Shangri-la Bank is actively driving its digital transformation strategy by offering Shangri-la Smart (Mobile Banking), a sophisticated and convenient platform designed to provide customers with instant, round-the-clock access to their banking services from anywhere.

Shangri-la Smart Mobile Banking

This app represents the bank’s commitment to leveraging modern technology to enhance the overall customer experience, placing a fully functional bank in the palm of every user’s hand.

The application is readily available for download on all major mobile ecosystems, including the Google Play Store and the App Store, ensuring compatibility across both Android and iOS devices. This broad accessibility is critical for serving the bank’s diverse customer base across Nepal’s urban and remote areas.

The Unified Digital Experience: Shangri-la Smart and BankXP

Shangri-la Bank’s digital service extends beyond the mobile app. The bank also offers Shangri-la BankXP, which functions as both a mobile and web-based application. This unified approach allows customers to manage their finances with a consistent interface and set of services, whether they are using a smartphone on the move or a web browser on a desktop or laptop. This technological evolution ensures that the bank’s digital platform is robust, scalable, and keeps pace with evolving user expectations.

Core Features and Services

The Shangri-la Smart mobile banking app is a comprehensive tool that covers nearly all essential banking needs, making transactions and information access easier than ever:

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• Banking On the Go: Customers can manage and use their bank account around the clock. This includes easily accessing account information, viewing statements, and checking the latest FOREX and stock information.
• Fund Transfers: The app simplifies fund transfers, offering both intra-bank (within Shangri-la Bank) and interbank transfers through the Fonepay network.
• Payments and Top-Ups: This feature makes routine financial tasks convenient, facilitating Top Up for mobile credit, and simplifying Bill Payments for utilities such as Internet, Electricity, TV, and Water (Khanepani).
• Merchant and QR Payments: As a member of the Fonepay Network, Shangri-la Smart supports instant online and retail payments. Crucially, it includes QR Code: Scan and Pay functionality, driving the adoption of cashless transactions across merchants nationwide.
• Other Services: Customers can load money to wallets and utilize services like the ATM and Branch Locator to find the nearest physical access point.

Essential Security and Confidentiality Guidelines

While Shangri-la Smart offers immense convenience, the bank emphasizes that digital banking success hinges on the customer’s personal adherence to security protocols. The bank’s security architecture, which includes 128-bit SSL encryption when a user is logged on, is supplemented by the following critical customer guidelines:

• Confidentiality: Customers must maintain the strict confidentiality and security of their login credentials. This includes never sharing their PIN or password with anyone, including individuals claiming to be bank staff.
• PIN Management: Users are strongly advised to change their PIN regularly using a unique number combination that is not easily guessable (e.g., avoiding sequential numbers or dates of birth).
• Transaction Review: Customers must review all options carefully before sending any request from the app, minimizing the chance of erroneous transfers or payments.
• Reporting Loss: The loss of a mobile device must be reported to the bank immediately to prevent unauthorized access and block the mobile banking service.

Understanding Service Charges and Subscriptions

The provision of these modern digital services involves associated costs. The bank explicitly notes that service charges may apply and that these charges are subject to revision from time to time.

For instance, the first-time subscription to the mobile banking service is free, but there is a yearly renewal charge or maintenance fee, which, according to the bank’s standard charge document, is typically around NPR 350. Furthermore, certain transactions, like an Inter Bank Fund Transfer, may incur a charge, which is often NPR 10 per transaction as per the bank’s fee structure. The bank also offers Card Less Cash Withdrawal, which provides added convenience by allowing withdrawals from a Shangri-la ATM without a physical card, further integrating the mobile app into the full range of banking operations.

By combining an intuitive, feature-rich platform with stringent security mandates and transparent information on charges, Shangri-la Bank ensures its customers can confidently and securely embrace the benefits of modern digital banking.

For More: Shangri-la Smart Mobile Banking