In today’s fast-paced world, managing your finances efficiently and securely is more important than ever. Citizen Bank understands this need, offering Citizen Bank E-Banking, a robust online platform designed to put you in control of your finances 24/7. Whether you’re managing personal accounts or overseeing corporate finances, Citizen Bank E-Banking provides a comprehensive suite of tools accessible from anywhere with an internet connection. Experience the freedom and flexibility of banking on your schedule with Citizen Bank’s secure and user-friendly online platform.
Features Designed for Your Financial Needs
Citizen Bank E-Banking is packed with features to streamline your banking experience. Accessing your account information, performing transactions, and managing your finances has never been easier. Here’s a look at the key features available at your fingertips:
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Comprehensive Account Management: View real-time account balances, transaction history, and detailed statements. The platform also offers graphical representations of your account activity, providing a clear visual overview of your financial trends. Need to track interest or tax information? Citizen Bank E-Banking provides easy access to interest and tax statements whenever you need them.
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Seamless Fund Transfers: Move money effortlessly with internal and external fund transfer options. Transfer funds between your Citizen Bank accounts or send money to other banks through integrated services like Fonepay and Connect IPS. Whether you’re splitting bills with family or paying vendors, Citizen Bank E-Banking makes fund transfers quick and convenient.
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Bill Payment Solutions: Say goodbye to late payment fees and long queues. Citizen Bank E-Banking allows you to pay a wide range of bills directly from your account. Manage payments for:
- Electricity
- Airlines
- Internet Services
- Demat Accounts
- MeroShare (if applicable and relevant to the target audience, otherwise generalize)
- Television Services
- Education Fees
- Water Bills
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Mobile and Digital Wallet Integration: Recharge your mobile balance and load your digital wallets directly through the platform. This feature offers added convenience for your everyday transactions and ensures you stay connected.
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Credit Card Management: Effortlessly manage your Citizen Bank credit card by viewing statements and making payments online. Stay on top of your credit card balance and transactions with ease.
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Fixed Deposit Requests: Initiate requests for fixed deposits online, saving you time and a trip to the bank branch. Manage your investments conveniently through the E-Banking platform.
The login interface for Citizen Bank E-Banking, emphasizing security and ease of access for online banking services.
Transaction Limits for Citizen Bank E-Banking
Citizen Bank E-Banking provides generous transaction limits to accommodate your financial activities. Understanding these limits helps you plan your transactions effectively. Here’s a breakdown of the standard transaction limits:
| S.N | Limit | Per Transaction Limit | Per Day Limit | Per Month Limit |
|---|---|---|---|---|
| 1 | Fund Transfer | Rs. 2,000,000 | Rs. 2,000,000 | Rs. 5,000,000 |
| 2 | Merchant Bill Payment | Rs. 2,000,000 | Rs. 2,000,000 | Rs. 3,000,000 |
| 3 | Wallet Load | Rs. 100,000 | Rs. 100,000 | Rs. 1,000,000 |
Note: Transaction limits are subject to change. Please refer to Citizen Bank’s official website or contact customer service for the most up-to-date information.
Fees and Charges: Transparent and Competitive
Citizen Bank is committed to transparent and competitive pricing for its E-Banking services. Here’s a summary of the applicable fees and charges:
| Registration Charge | Renewal Charge | |
|---|---|---|
| For Individual Accounts | 0 | 250 |
| For Corporate/Institutional | 500 | 500 |
| Charge | ||
| Password Regeneration Fee | 50 |
Transaction Charges:
- IBFT (Interbank Fund Transfer) Charge: Rs 11.3 per transaction.
- Connect IPS Charge:
- Rs. 2.26 for transactions from Rs. 0.01 – 500
- Rs. 4.52 for transactions above Rs. 500 to 5,000
- Rs. 9.04 for transactions above Rs. 5,000
All fees and charges are listed in Rupees (Rs). Please confirm the currency and applicable charges if you are an international user or accessing these services from outside of Nepal.
Citizen Corporate Express Banking: Tailored for Businesses
For corporate clients, Citizen Bank offers Citizen Corporate Express Banking, a specialized online banking solution designed to meet the complex needs of businesses. This platform provides enhanced features and controls for managing business finances efficiently.
Key Features of Corporate Express Banking:
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Detailed Account Information and Statements: Access comprehensive account information and generate detailed statements to track business finances.
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User Management: Implement robust user management controls, allowing you to assign roles and permissions to employees for secure and controlled access to company accounts.
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Batch Transaction Processing: Streamline payment processes with the ability to initiate batch transactions, ideal for payroll, vendor payments, and other bulk disbursements.
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Load Wallet Transactions: Conveniently load digital wallets for business expenses and employee allowances.
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Interbank Fund Transfers: Execute interbank fund transfers seamlessly for business transactions and payments.
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Salary Transaction Initiation: Simplify payroll processing by initiating salary transactions directly through the platform.
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Employee Management Tools: Manage employee banking access and permissions within the corporate banking platform.
A padlock icon symbolizing the secure and protected environment of Citizen Bank’s E-Banking platform, emphasizing user data safety.
Security is Paramount: Best Practices for Secure E-Banking
Citizen Bank prioritizes the security of your online banking experience. While Citizen Bank E-Banking employs advanced security measures, including dual-factor authentication with OTP (One-Time Password), it’s crucial for users to adopt secure online banking practices. Follow these essential “Do’s and Don’ts” to protect your account and personal information:
Do’s:
- Secure Your Credentials: Keep your password and account login information confidential and store it in a secure place. Never share this information with anyone via email or any unsecure channel.
- Access via Official Channels: Always access Citizen Bank E-Banking through the official website URL: https://www.ctznbank.com.np directly or through the Citizen Bank homepage: https://www.ctznbank.com. Avoid accessing the platform through links from unknown or suspicious sources.
- Verify Secure Connection: Before entering your User ID and Password, ensure the webpage URL starts with “https://” indicating a secure connection. Look for the padlock icon in your browser’s address bar, confirming a secure and verified site.
- Regularly Monitor Account Statements: Review your account statements frequently and carefully to identify any discrepancies or unauthorized transactions. Report any errors to the bank immediately.
- Maintain Device Security: Keep your computer and mobile devices secure by regularly updating your antivirus and anti-spyware software. Consider using a firewall for added protection against unauthorized access.
- Log Off Completely: Always log out completely from your E-Banking session after use. Simply closing the browser window does not guarantee a secure logout.
- Password Best Practices:
- Create strong passwords that are not the same as your customer code.
- Use passwords with a minimum length of 6 characters.
- Combine alphabetic (uppercase and lowercase), numeric (0-9), and special characters (~!@#$%^&*()_-=+}{[]:;”‘?,./) for robust password security.
- Avoid using the same first and second passwords (if applicable).
- Change your passwords at least every 90 days or more frequently for enhanced security.
Don’ts:
- Beware of Pop-up Windows: Never enter sensitive information on pages that appear as pop-up windows, as these can be phishing attempts.
- Never Share Passwords: Citizen Bank will never ask for your password over the phone, email, or instant messaging. Treat any such requests as fraudulent. Remember that your password and PIN are strictly confidential and should not be shared with anyone, including bank employees.
- Avoid Public Computers: Refrain from conducting online banking transactions on public computers or devices you are unfamiliar with, such as those in internet cafes, as these may not be secure.
- Limit Personal Information Disclosure: Be cautious about sharing personal information online, including your telephone number, bank details, and physical address, unless you are certain about who is collecting the information, their purpose, and how it will be used.
- Verify Business Legitimacy: Do not provide payment information to businesses you do not know or trust.
- Never Share Password Online: Never give your password or payment information to anyone online, including your Internet Service Provider (ISP).
For any support or assistance with Citizen Bank E-Banking, please contact:
Email: [email protected]
Tel: 01-5970068
Citizen Bank E-Banking empowers you with secure, convenient, and efficient banking at your fingertips. Embrace the future of banking and experience the difference today.
