FAQs

1. Please login into Banksmart XP and select menu "Cardless Withdrawal" under menu "Payment" or search "Cardless Withdrawal" from search option in Main page.
2. Please select the amount from dropdown and click "Proceed".
3. Please enter the transaction PIN, upon authentication.
4. An OTP will be sent via SMS which will expire in 5 Minutes.
5. Please select option "Cardless" from the SBL ATM screen for further processing.
6. ATM will ask for your “Mobile number”. Enter the same mobile number which is registered in BankSmart XP.
7. Upon validation of Mobile Number ATM will ask for “OTP”.
8. Please input the “OTP” received via SMS.
9. Upon validation of “OTP”, ATM will ask for Amount,
10. Please input the same amount for which cardless withdrawal was requested through Banksmart XP.
11. Upon validation, customer account will be debited and ATM will dispense the cash.

1. Select the "Deposit" option on the Cash Deposit screen to start the deposit process.

2. Cash Deposit Machine (CDM) will request for Mobile Number of cash depositor for authentication where an OTP will be sent to provide mobile number.

3. Please Input 6-digit OTP received in SMS and upon successful OT validation and input the Depositing account number and press "Continue" option.

4. CDM will display the account details in screen and please verify the account details and press "Continue" option for further processing. The deposit cash should not exceed NPR 99,500 at one time.

5. Place the cash in the hopper, CDM will count notes to hold in stack and display the amount for those notes which can be accepted for deposit. However, notes that are Counterfeit, Damaged and Folded will be presented back immediately.

6. Counterfeit and Damaged will never be accepted for deposit however for Folded notes, please unfold the notes and reattempt to deposit by pressing “Continue" option. CDM will recheck those notes and display the final count in screen.

7. Please press "Confirm" option if the displayed amount is correct.

8. CDM will generate and present a slip to which contains information regarding Failed/Success Status, Note Counts, Deposited Amount and Unique ID number.

9. In case CDM is not able to execute accounting entry for deposit due to various dependencies like Network, API Breakage, CBS Down etc. please contact the Bank’s staff.

While both are payment instrument offered with a credit limit, SFCC is 100% virtual (no physical plastic card). It is issued instantly without paperwork, does not require a branch visit, and is primarily used for making Fonepay Merchant QR payments. It is currently for domestic use within Nepal only.
* In most cases, no paperwork is required. However, in certain situations the Bank may ask for supporting documents.

All BankSmartXP users will see the SFCC banner in their BankSmart XP/Mobile banking dashboard. To be eligible, you must be an individual having an active Siddhartha Bank Savings Account and be a registered user of BankSmart XP. You must also be above 18 years and not be blacklisted. Whether you can get it instantly depends on your eligibility:

• Pre-approved Users: The bank’s internal system identifies eligible customers based on their account history and transaction behavior. If you are already eligible you can apply and get the card instantly.
• Other Users: If you are not eligible to apply yet, you can still express your interest via the app for an eligibility review.

You don’t need to visit a branch or fill out physical forms. If you are already an eligible customer, you can enjoy instant issuance without any physical paperwork or branch visits. Simply, login Siddhartha BankSmart XP and tap the SFCC banner at homepage. Follow the stepwise process to activate your card instantly. If you are not eligible yet, you can still express your interest through same process from Banksmart XP app for an eligibility review.

While applying for SFCC, instead of activating your card If you see an "I am Interested" button at end, it means you are currently Ineligible to Apply instantly. By clicking "I am Interested," you send a request to the bank to review your account.

The bank will run its internal data analytics on your account considering various criteria and determine your eligibility. If eligible you will be notified by the next business/working day via SMS and Email and then you apply and activate your card.

If the internal data analytics are not enough to offer you with SFCC, the bank may contact you via Phone Call or Email or SMS. You may be asked to provide:

• A recent Salary Certificate.
• Bank statements showing salary credits for the last 3 to 6 months.

Upon receipt of required documents the bank will further underwrite your request and might offer your SFCC post analysis. If eligible you will be notified by the next business/working day via SMS and Email and then you apply and activate your card.

If already made eligible by bank, you can apply and activate your SFCC instantly, ready for use. However, if you are not pre-eligible but submit your interest by clicking “I am Interested.” The bank will analyze your request and if accepted, you will be notified by the next business/working day via SMS and Email and then you apply and activate your card.

Please ensure your BankSmartXP app is updated to the latest version. If app is not updated please visit Google Play store or Apple store to update your app.

You can use it at all Fonepay Merchant QR points across Nepal.

No. Since the SFCC is a virtual card, it cannot be used at an ATM or swiped at a physical POS machine or cannot be used for account transfer. It is designed exclusively for Fonepay merchant QR payments.

Siddhartha Fonepay Credit Card (SFCC) ‘s limit is the pre-defined limit determined based on the applicant’s credit. The bank in its sole discretion can evaluate and offer any limit to customer. While applying for SFCC, customer can request any limit up to or below the assigned limit however cannot exceed the assigned limit.

• No Waiting: Instant issuance and activation.
• Convenience: No need to carry a physical wallet or card.
• Interest-Free Period: Enjoy up to 45 days of interest-free credit.
• Complete Control: View limits, billing summary and track spending in real-time through your app.
• Various Exclusive Offers: Access to special cashback and merchant discounts during various campaigns.

• Joining Fee: NPR 750 (debited one time at the beginning of 1^st year)
• Annual Fee: NPR 750 (debited at the beginning of 1^st year and on annual basis from 2^nd year onwards)
• Late Payment Fee: NPR 300 or 1% of overdue amount or max. NPR 2,000

**All fees and charges are subject to latest STC.

The billing date is the day your monthly credit card statement is generated. You can select your preferred billing date during the application process from any of the following options: 1st, 5th, 10th, or 15th of the English calendar month.

The payment due date for SFCC is after 15 days from your selected billing date. You must ensure that your nominated saving account do have sufficient balance to recover your minimum due amount to avoid any penalties.

Example: If your billing date is the 1st your due date will be the 15^th, if your billing date is 5^th your due date will be 20^th and so on.

The SFCC is designed for convenience with a default automated payment option.

• Default Payment Option: The default payment option for SFCC is 10% and the system is set to automatically recover 10% of the outstanding balance or Rs. 1,000 (whichever is higher) from your linked account on the due date.
• Full Payment: If you wish to pay more than the minimum or settle the entire outstanding balance, you can do so manually at any time using the "Pay Card" or “Pay Now” option within the SFCC menu in BankSmart XP.

During the application process, you can select your desired Siddhartha Bank Account for Auto-Debit. On the due date, the system will automatically deduct the minimum due amount (i.e. 10% of NPR 1,000 whichever is higher). However, for any additional amount payments you need to make manual payments anytime using the "Pay Card" option within the SFCC platform.

If the minimum payment is not made by the due date, a late payment fee will be applied as per the bank's policy: Rs. 300 or 1% of the overdue amount (whichever is higher), up to a maximum of NPR 2,000.

In case total outstanding due is paid within due date there is no any additional interest charged and you can enjoy 15 to 45 days of interest free credit. However, in case of failure to make payment or payment of minimum due only you will be levied with interest rate of 2% monthly from transaction date till the full outstanding amount is paid.

• Credit card can be applied by any customer who has regular source of income.

• Application forms are available at all SBL branches. You will have to fill up the application form and submit the KYC and other required documents and proof of regular income source. or you can apply for credit card online.

• If approved, it takes 7 working days within Kathmandu Valley and 10 working days outside valley after application has been submitted with all required documents.

• Credit Card limit is the pre-defined limit determined based on the applicant’s credit 

• Card will be renewed by the bank in advance if there is no overdue and will be made available to collect it at concerned branch at least 3 days prior to expiry. 

• Once card is delivered to the customer, bank needs to activate it which normally takes place on the same date.ATM belonging to the bank of any member bank of Nepal Electronic Payment Systems Ltd (NEPS).After activation, customer has to change the PIN from SBL or NEPS member banks’ ATM. 

• Can be used for the purchase of goods and services. 
• Cash withdrawal facility(10% of Credit Limit) 
• Minimum 15-45 days credit facility. 
• Revolving Credit Facility. 
• Convenient and safe. 
• Very useful while traveling. 
• Credit cardholders will have the privileges of Club Siddhartha offered by Merchants/ Partners only.

• The billing date is the date when statement of credit card is generated. It is 25th of English month. 

• Payment due date always falls on 10th of English calendar month and payment has to be made within payment due date to avoid the financial charges.

• If the card holder does not make minimum payment mandatory by due date, late payment fee will be levied to the card holder. i.e. Rs 300 or 1% of overdue amount or max NPR. 2,000.

• Payment options is an option to be selected by the cardholder advising bank whether card holder wants to settle entire outstanding or only a part of it. 

• If the card holder selects the full payment option, total outstanding amount is the minimum payment due and if card holder selects 10% payment option, his minimum payment due is 10% of the transaction amount + fees and charges.

• It is mandatory to open an account to apply for SBL Credit Card.

• SBL Credit Card can be used at online purchase at India and Nepal. But needs to apply for this service in writing. The form is available at all branches of the bank.

You can apply for Int’l travel card from any branch of the Bank. The Card is issued  within 30 Minutes.

Yes. Your card needs to be activated, prior to performing any transaction.

Yes. After activation, you need to change the PIN from SBL ATMs or NEPS member  banks’ ATM. Then only International Travel card can be used for purchases or cash  withdrawal facilities.

Any Nepalese citizens can apply for SBL International Travel Cardwith valid Visa and  confirmed air ticket.

No, Account is not required for SBL International Travel Card.

You have to contact Siddhartha Bank’s Call Center at +977 14443410(7:00 AM - 10:00 pm 365x7 days) to block the card immediately and confirm the last transaction which is performed by using your card too. You can request the following contact details to block the card.

Telephone Number : +977 1 4443410 (Direct Line), 4442919  Ext. 2415
Viber Number:  9851242919
E-mail: card@sbl.com.np

Rs.1000.00 for the first time and next time onwards Rs. 500 per load will be charged. The Card will be valid for 2 years.

• Yes, there is transaction fee for cash withdrawal and balance inquiry, if it is done through other Bank’s ATM. There is no charge for the purchase of goods and services.
• USD 5/- & USD 1/- per transaction will be charged to the cardholder if the transaction is performed at Visa Network for cash withdrawal and balance inquiry respectively. USD  2/- & USD0.20 will be charged if transaction is performed at NEPS member bank  ATM for cash withdrawal and Balance Inquiry.

No, others cannot use your card.

ATM POS

• No, it is not allowed to use in India.

• You can use it at millions of merchant outlets that accept Visa cards such as supermarkets, pharmacies, clothing stores, drug stores, gas stations, hotels,  restaurants, fitness centers and online purchases etc. all over the world.

Yes, there is a limit of USD 2,500/- against the passport facility generally as per NRB.  An additional amounts can be added based on NRB directions and special permission from NRB. 

• Yes, there is a limit of USD 2,500/- against the passport facility generally as per NRB.  An additional amounts can be added based on NRB directions and special permission from NRB. 

• You can check your balance at any ATM which accepts Visa cards all over the worldor  contact at SBL Call center as per our contact details mentioned above or any branch  of SBL.

• You can get your SBL International Travel Card statement upon your request via  mail, phone or Viber. Statement will be sent to register email id which is provided to  the bank while applying for the card.

• If your transaction is declined, please contact at following numbers. The support person will be available 7:00 AM- 10:00 PM 365X7 days.

TELEPHONE NUMBER:+977 1 4443410 (Direct Line), 4442919 Ext. 2415

Viber Number:9851242919

E-mail:card@sbl.com.np

• Yes, you can use your SBL International Travel for online purchases.But you have to  request for e-com activation separately.

• Debit card enablesto make payment at any merchant locations e.g. groceries, restaurants, departmental stores, super markets, hospitals besides withdrawal of cash, balance inquiry and attaining mini statement using ATMs. 

• You have two options to make payment of SBL Visa Debit Card fee. Either you can pay Rs. 400 per year or you can pay Rs.1,600 upfront for five years. 

• Yes you can. You will be provided with option to choose account while withdrawing cash from SBL ATM. But default account will be selected while performing fast cash, cash withdrawal from ATM not belonging to Siddhartha Bank and POS purchase transactions.

• Yes, you can use your SBL Visa Debit Card for online purchases.

Please register a written complain to your nearest branch with the following details

• Card No. 
• Account No. 
• Name 
• Transaction amount 
• Transaction date 
• Transaction no. (Retrieval Reference No.) – Optional 
• Bank Name – Optional 
• ATM ID – Optional 
• Transaction slips receipt from the ATM – Optional

We will reimburse the amount to your account after verification of your claim. 
It will take about 3 working days if it is the case of withdrawal from SBL ATM. If it is the case of withdrawal from other bank’s ATM, it will take at least 45 days.