بنكك – Mobile Money (Register with Mobile Number)

Mobile Money generally refers to payment services operated under financial regulation and performed from or via a mobile device for non-bank customers

Bank of Khartoum’s بنكك (BANKAK) is a smart app (previously known as mBOK) designed for its customers to access their bank accounts or mobile accounts with ease and safety.

What is  بنكك   mobile money?

  بنكك mobile money is a new service introduced by Bank of Khartoum. This service allows customers to open Mobile Money Account using their valid mobile number.

No need to visit anywhere, just download the  بنكك android or iOS app and get started.

A mobile money account works just like a normal bank account. You can deposit or withdraw, transfer and receive funds, purchase electricity, top-up your mobile, and a lot of more wonderful services.

To deposit or withdraw from your  بنكك  you can visit any BOK Wakeel shop (4,000+) or BOK ATM (290+) across Sudan

Download the  بنكك App an click on “New User” option on the login screen.

To Register using Valid Mobile Number: Go to “New User” option on the app and select Mobile Number option. Enter your valid mobile number (e.g 249XXXXXXXXX) and submit. You will receive SMS instantly with your Temporary PIN to login the app. Use this Temporary PIN to login and create your own desired Mobile Account PIN.

To download latest version of  بنكك  visit Android Store (V-4.25 Released on 4-Jul-2018)

OR Apple Store  (IOS V-2.8 Released on 11-Jul-2018)

google play app store

Read Mobile Money Terms and ConditionsIMPORTANT Security Tips For Using mBOK

 

Features of  بنكك mobile money Account

  • Save money in your account.
  • Deposit or withdraw.
  • Send & receive money instantly:
  • 1.From your mobile account to mobile account
    2.From your mobile account to BOK bank account
    3.Or send money to anyone (even if they do not  have a mobile or BOK bank account) They can  collect cash via Wakeel or BOK ATMs.
  • Purchase Electricity (SEDC)
  • Top-up your Mobile Phones ( MTN, Sudani - Pre or Postpaid)
  • payment of Ministry of higher education fee
  • Pay for E-15 other listed companies
  • Stay informed, receive instant SMS alert for every transaction.
  • Check account balance with transactions history.
  • Manage your account security with user defined security PIN.
  • Now Sudani customers can register and use  بنكك through USSD just by dialling *1913#
  • You can Refer Bank of Khartoum’s  بنككmobile account to your friends or family and Earn up to SDG 1,500 every month!

Use “ بنكك  Pay” now!

Bank of Khartoum introduces a modern way of paying at any shop/location, no need for carrying cash or card just your بنكك app.

The بنكك app can now handle even your retail payments, whether you want to pay for grocery, buying electronics, pay at restaurant or anywhere. Simply scan and pay!

It is safe, instant and secure.

Accepted at more than 4,000 locations across Sudan. To find the nearest shop click here.

How to Use:

  • Login to your بنكك  mobile Money app with Mobile Number
  • Select بنكك  Pay button.
  • Scan the QR Code of shop/location whom you want to pay
  • Enter the Amount
  • Click Pay to complete the transaction

Both customer and shop will receive instant SMS confirmation of the successful payment made.

How to use “Refer & Earn” feature:

  1. Login on بنكك   app with your registered mobile number and PIN
  2. Select “Refer & Earn” from the menu, read the instructions
  3. Enter your details (once)
  4. Enter the referred person details.
  5. Upon submission, referred person will receive an SMS from Bank (+249 15 666 1000) with the link from where they can download the app and register.

 

Important note:

  • Read carefully the instructions and the criteria before referring.
  • Referred friend needs to do at least one transaction of minimum SDG 10 within 5 days of registration.
  • On monthly basis you will receive the reward amount of SDG 10/successful registration + transaction in your بنكك  mobile money account.
  • You can up to 5 persons per day.

 

Balance Inquiry of the account

 This feature helps you to Inquire about your balance

  • Click “Accounts” Button
  • A table will be shown with your available current balance

Also, you will receive an SMS with your current balance

 

How to get the last Transactions of the account?

This feature helps you to get the information of last 5 transactions done in the account.

  • To get the last Transaction:
  • Click” last Transaction “shown on the screen of the “Accounts” page

 

Types of payments available on بنكك -Mobile money:

Electricity

Sudan Electricity Distribution Company

Telecoms

Sudani

MTN Sudan

Government

E-15 Sada

Ministry of Higher Education(MOHE)

How to do payments for MTN, SUDANI, E-15 bills, SEDC (electricity)and ministry of higher education ?

This feature helps you to pay for MTN Prepaid, MTN Postpaid, Sudani Prepaid, Sudani Postpaid  SEDC bills, E-15, MOHE and more.

There are 2 methods of payment:

Pay Directly

Pay directly is a onetime payment method which doesn’t saves any information of the payment for future use.

  • Click on “Bill Payments” button
  • Click on “Pay Directly” button
  • “Select Service Name” from the list
  • Click “OK” button
  • Click proceed” button
  • Select “Pay ID” from drop box.
  • Enter mobile number, Meter number,customer ID,Student ID or Certificate number
  • Enter amount
  • Click “Pay” button

Add Biller

This feature can help you add and save your payment company information for future regular payments. This way you do not have to remember or enter your mobile, meter or account number every time you want to pay.

  • Click on “Bill Payments” button
  • Click “Add biller” button
  • “Select Service Name” from the list
  • Select “Pay ID” from drop box.
  • Enter mobile number, Meter number,customer ID,Student ID or Certificate number
  • Type a nickname
  • Click “Add” button
  •  You will find the beneficiary name ready
  • Press the small circle beside the name
  • Enter the amount
  • Click the “Pay” button

 

Note:

Once transaction done you will get a confirmation SMS on your mobile number

How to transfer from my mobile Account to other mobile Account “Fund Transfer”?

This features helps in transfer of amount from one mobile account to another mobile account.

  • Click “Fund Transfer” button
  • Select "Transfer To Other"
  • Enter the mobile number to transfer to
  • Enter the amount to transfer
  • Click “Transfer” button

Note:

Once transaction done you will get a confirmation SMS on your mobile number

 

How to transfer from my mobile Account to any BOK Account “Fund Transfer”?

This feature helps in transfer of amount from mobile account to to any BOK Account.

  • Click “Fund Transfer” button
  • Select “Bank Transfer”
  • Select Bank Name
  • Enter the BOK Account No.(16Digit) to transfer to
  • Enter the amount to transfer
  • Click “Transfer” button

Note:

Once transaction done you will get a confirmation SMS on your mobile number

How to do Cash Withdrawal from  بنكك  mobile money account?

You can do instant cash withdrawal from  بنكك  mobile money account in two ways:

  • Via BOK Wakeel Agent (more than 4,000 shops) or
  • Via BOK ATMs (more than 290 ATMs)

You can visit anytime and withdraw instantly from mobile account.

Steps for Cash Withdrawal:

  • Login to your  بنكك mobile money account
  • Go to “Funds Transfer” menu
  • Select “Cash Withdrawal”
  • Enter the amount you wish to withdraw
  • You will receive SMS with Transaction ID (XXXXXXXXXXXX) and Confirmation Number (XXXXXXXX)

 

Using Wakeel

  • Visit nearest Wakeel agent
  • Request Wakeel for a cash withdrawal and provide Transaction ID (XXXXXXXXXXXX) and Confirmation Number (XXXXXXXX)
  • Once successful the Give the cash amount you want to deposit to Wakeel agent.

Once transaction successfully completed, you will receive confirmation SMS

 

Cash Withdrawal via BOK ATMs

  • Visit nearest BOK ATM.
  • Press any button on the ATM screen.
  • Select “Mobile Money Account” option.
  • Select “Cash Withdrawal” option.
  • Enter the Transaction ID (XXXXXXXXXXXX) and Confirmation Number (XXXXXXXX) you received on SMS
  • Enter the cash amount in the cash slot.
  • Once successful, collect the cash.
  • You will receive a transaction confirmation receipt and SMS.

How to do Cash Deposit in  بنكك mobile money account?

You can make an instant cash deposit in your  بنكك mobile money account in two ways:

  • Via BOK Wakeel Agent (more than 4,000 shops) or
  • Via BOK Cash Deposit Machine (more than 150 CDMs)

You can visit anytime and deposit money instantly in your account.

Cash Deposit via Wakeel

  • Visit nearest Wakeel agent
  • Provide Wakeel agent your registered mobile money account # 249XXXXXXXXX
  • Give the cash amount you want to deposit to Wakeel agent.
  • Once deposited successfully, you will receive confirmation SMS.

Cash Deposit via BOK Cash Deposit Machines (CDM)

  • Visit nearest BOK CDM.
  • Press any button on the CDM screen.
  • Select “Mobile Money Account” option.
  • Select “Cash Deposit” option.
  • Enter your registered mobile money account # 249XXXXXXXXX
  • Enter the cash amount in the cash slot.
  • Once deposited successfully, you will receive a transaction confirmation receipt and SMS.

Mobile Money Account Transaction Limits & Fees

ACCOUNT LEVEL: STANDARD Send (Amt in SDG) Receive (Amt in SDG)
Min Trx Amt 1 1
Max Amt Per Trx 5,000 5,000
Max WITHDRAWAL Per Day 5,000 5,000
Max WITHDRAWAL Per Week 35,000 35,000
Max WITHDRAWAL Per Month 150,000 150,000
# of Trx Per Day Unlimited Unlimited
# of Trx Per Week Unlimited Unlimited
# of Trx Per Month Unlimited Unlimited

Cash Deposit

Slab Start Slab End Fee
10 500 Free
501 1,001
1,001 2,001
2,001 5,000
5,001 10,000
10,001 25,000
25,001 50,000

Cash Withdrawal

Slab Start Slab End Fee
50 500 Free
501 1,001 Free
1,001 2,001 Free
2,001 5,000 Free
5,001 10,000 Free
10,001 25,000 Free
25,001 50,000 Free

How to change Setting?

It helps to change mobile pin

  • Click “Setting” button
  • Enter current pin
  • Enter new pin
  • Re-Enter new pin
  • Click on “change” button

 

  • Also you can change the language:

mobile money available in both Arabic and English language