Mobile Banking

Any Canara Bank customer whose mobile number is linked with single customer ID can avail mobile banking services if below conditions are met:

• Mobile banking facility is presently available only for individual customers of the constituent Individual and Sole Proprietorship.
• Mobile Banking is extended to following accounts for the above-mentioned customers:
  • CASA accounts - Savings Bank, Current Account, Overdraft (individual accounts only).
  • Joint Account/s where operation condition is severally - Joint or First (JOF) or Joint or Others (JOO).
  • Mobile Banking is available for Residents and Non-Resident Accounts in tune with account level restrictions.
  • Account/s should be fully KYC compliant.
  • Account/s of Divyangjans with visual impairment.
  • Individually operated account of Minors aged above 10 years and below 18 years.

Users who do not have an account with Canara Bank may also utilise the application for UPI services.

NOTE: Registered mobile number is one which is updated and linked with Customer ID of Bank Account of the customer in CBS.

Yes. Now minors aged 10 years & above, if operating account individually as per CBS records, can access Mobile Banking Services with below restrictions:

• Minors aged between 10 years & above and below 14 years have limited access for viewing purpose only.
• Minors aged between 14 years & above and below 18 years have limited access with fund transfer facility upto Rs 5,000/- per day.

• Please visit Play Store/App Store on your smart phone and search for "Canara ai1-Mobile Banking App".
• After successful installation, open the app by clicking Canara ai1 icon.
• Click on "Get Started" to begin the onboarding journey and provide all the necessary permissions.
• Select the SIM slot with the mobile number registered to the bank account (Registered Mobile Number-RMN). An SMS will be initiated through the selected SIM (For iOS devices, message will be displayed and user has to manually send the SMS). Ensure that sufficient balance is available for the selected SIM to send the SMS successfully.
• After successful Mobile Number validation, an OTP will be sent to the RMN.
• OTP will be Auto Read (for Android devices) and validated. For iOS devices, user has to manually enter the OTP. Upon successful validation user will be directed to create 5-digit numeric Passcode used for login into the application.
• After setting Passcode, user has to create 6-digit MPIN which will be used to authenticate financial/non-financial transactions.
• Now, user will be asked to activate mobile banking services by using any of the three modes- Debit Card/Aadhar with Face authentication/Activation Code (For iOS devices, activation through Aadhar is not available). The activation code can be generated from branch by submitting duly filled and signed consent form. Activation code will be sent to the Registered Mobile Number of the customer, which will be valid for next 24 hours.
• After successful activation of the mobile banking, customer will be able to access Canara Bank Mobile Banking services.

No. For security reasons, registration of Mobile Banking/UPI on Wi-Fi is restricted and user has to do so mandatorily on cellular network. Post registration, customers can use Wi-Fi for login and subsequent transactions.

Passcode is 5-digit numeric password used to log in to the Canara ai1 Mobile Banking application.

MPIN is 6-digit numeric PIN which is used to authenticate financial/non-financial transactions.

Following steps are to be followed in case customer forgets Passcode.

• Click on "Forgot Passcode" link on login screen.
• An OTP will be sent to the Registered Mobile Number of the customer which will be validated. The OTP will be auto read for Android devices while for iOS devices, customer needs to enter the same manually.
• User will be given the option to create Passcode. User needs to re-enter Passcode to confirm.

NOTE: User cannot set last 3 used Passcode.

Following steps are to be followed in case user forgets MPIN.

• User can use Forgot MPIN option while doing the funds transfer.
• Or user may navigate to Profile section (at the bottom right corner on the home screen) > Click on Forgot MPIN.
• User has to create new MPIN and re-enter the MPIN to confirm.
• Further, user will be asked to activate mobile banking by using Debit Card /Aadhar with Face authentication/Activation code (For iOS devices, Aadhar activation is not available).

NOTE: User cannot set last 3 used MPIN.

These options are available as a service under Profile section.

• Change MPIN > Enter old MPIN > Enter new MPIN > Re-enter new MPIN > Confirm.
• Change Passcode > Enter old Passcode > Enter new Passcode > Re-enter new Passcode > Confirm.

NOTE: User cannot set last 3 used Passcode/MPIN.

No. For security reasons, you cannot reuse any of your last three Passcodes. You must choose a new, unique Passcode that has not been used recently. Once the Passcode is changed successfully, use the new Passcode to log in to the application.

Select "Forgot passcode" option on login screen > OTP validation will be done automatically > Create Login Passcode > Re-enter passcode to confirm.

Login to Canara ai1 > On Overall page tap on Show button > Balance amount will be displayed > Now click on 'Savings' > Account Number with product name will be displayed in cards > Tap on the Account card > Account details will be displayed.

• Fund transfer to Canara Bank beneficiary
• IMPS
• NEFT
• RTGS
• UPI
• DIRECT PAY - fund transfer without adding beneficiary

IMPS or Immediate Payment Service is a real-time electronic funds transfer system managed by National Payment Corporation of India (NPCI). It allows users to transfer money instantly and securely between bank accounts, 24/7, including on weekends and holidays.

Through IMPS, interbank fund transfer can be carried out using the following beneficiary details:

• Account number and IFSC
• Mobile number and MMID
• Mobile Number and Bank's Name

• Fund Transfer without adding Beneficiary:

  Log into Canara ai1 > Under Pay & Transfer > Select Direct Pay > Select either 'Within Canara' or 'Other Bank' Option > For 'Within Canara' enter the beneficiary details (12/13/14-digit Canara Bank account number) and for 'Other Bank' select Account+IFSC, Mobile+Bank or Mobile+MMID and enter corresponding beneficiary details > Enter amount > Select Debit Account > Enter MPIN > OTP Authentication > Pay.

• Fund Transfer to Beneficiary:

  Log into Canara ai1 > Select Pay & Transfer > Select Send Money > Select Mobile Banking or UPI > Select 'Within Canara' or 'Other Bank' or 'Own Account' > Select existing Beneficiary or Self Account > Enter Amount > Select Transfer Type- IMPS/ NEFT/ RTGS/ UPI > Select Debit Account > Enter MPIN/UPI Pin > OTP Authentication (except UPI) > Pay.

My Beneficiary is a feature that allows you to save recipients for future fund transfers. You can view, edit or delete existing beneficiary details at any time. You can also verify the beneficiary's name before initiating a transfer and mark beneficiaries as Favourites for quicker and easier access during future transactions.

A registered beneficiary is a person or entity that a user designates to receive funds/payments. User needs to register the beneficiary with all the required credentials (Name, account no, IFSC, etc).

Although, user also has an option to perform fund transfers, without adding or saving a beneficiary, using the Direct Pay option.

User can view the Beneficiary that is added from Fund Transfer screen by selecting the My Beneficiary icon (Under Pay & Transfer Tab or My Banking menu > Scroll left for My Beneficiary).

Yes. Providing a Nickname is mandatory while adding a beneficiary.

No. Users are free to choose the nicknames for their beneficiaries, but they shall choose different nicknames for different beneficiaries. No two beneficiaries can have same nicknames.

To add a beneficiary as favourite, select 'Send Money' or 'My Beneficiary' Icon > Identify the Beneficiary which you want to mark Favourite > Click on Star symbol (★) next to the beneficiary's name.

To access most used beneficiary information, user may navigate to 'Favourite' option from Send Money or My Beneficiary icon.

Yes. You can verify the beneficiary before initiating fund transfer in mobile banking. The facility is available during addition of the beneficiary in 'Add Beneficiary' option and in direct pay to other bank beneficiaries.

Beneficiary Verification for Internal Fund Transfer:
Login to Canara ai1 > My Beneficiary > Add Beneficiary > Select 'Within Canara' on Add Beneficiary page > Enter the account number and re-enter the same to confirm > Now click on 'Verify' button to get the Beneficiary name > The beneficiary's name linked to the account number will be displayed and shown as verified in green colour > After verifying, enter the nick name and confirm to submit > The verified beneficiary will be displayed under 'My Beneficiary' with 'Verified' in green colour.

Beneficiary Verification for Other Bank Customer:
Login to Canara ai1 > My Beneficiary > Add Beneficiary > Select 'Other Bank' on Add Beneficiary page > Enter the account number and re-enter the same to confirm. Now Select the Bank, enter the IFSC code and beneficiary name > Now click on 'Verify' button to get the Beneficiary name > The beneficiary's name linked to the account number will be displayed and shown as verified in green colour > After verifying, enter the nick name and confirm to submit > The verified beneficiary will be displayed under 'My Beneficiary' with 'Verified' in green colour.

Beneficiary Verification for Existing Beneficiary:
Login to Canara ai1 > My Beneficiary > Tap on the three dots on the right side of the existing beneficiary and select 'Edit' option > Now click on 'Verify' button to get the beneficiary verified > On successful verification, the name will be displayed in green font and shown as verified in green color > The verified beneficiary will be displayed under 'My Beneficiary' with 'Verified' in green color.

Profile > De-Register > Select Mobile Banking, UPI or Both > Continue.

Yes. Even if a User deregisters from Mobile Banking application, he or she can initiate fresh registration.

In case mobile handset is lost, it cannot be misused by a third party until they know user's mobile banking credentials viz, Passcode and MPIN.

However, the user shall immediately report the incident to nearest Canara Bank Branch and get the mobile banking blocked. Toll Free Helpline 18001030 can also be used for blocking the Mobile Banking / Accounts.

As a precaution, it is imperative that users shall not share their login credentials and MPIN to anybody. The same needs to be kept confidential for self-guarding from fraudsters.

Login into Application > Go to Profile > Get MMID > Select the account. User will get MMID through SMS.

User can request for a new cheque book through 'Cheque Book Request & Tracking' option under 'Accounts & Services' tab. The request will be processed on the basis of consumption of current issued cheque book. If current cheque book issued to user is exhausted by two-third, only then the new cheque book will be issued and dispatched to user's updated address in CBS.

User can check balance in following ways:

• In 'My Banking' tab by clicking on 'View Balance' option on the Account cards at the top.
• On home screen on 'Overall' tab by clicking 'Show' option.
• On pre-login screen using 'View Balance' option. This option has to be enabled by the user from Profile > Manage View Balance/Statement > Turn on the toggle button for 'Quick View Balance/Mini Statement'.

User can check Mini Statement in following ways:

• User has to click on My Banking icon at bottom of application and use Manage option on the Account cards at top and click on the Mini Statement.
• User can check mini statement on pre-login screen using 'View Balance' option. This option has to be enabled by the user from Profile > Manage View Balance/Statement > Turn on the toggle button for 'Quick View Balance/Mini Statement'.

Customers can access e-passbook under 'Pay and Transfer > E-passbook'. Statements from 10 days to 1 years are available in this option. Customers can also generate statements between custom dates up to one year.

Yes. You can share the Donation Transaction Summary by clicking on Share button from the summary screen through sharing options like WhatsApp, Gmail, etc.

User can contact by following below mentioned steps in the application:

Click on Profile > Contact Us > Choose either Email Us or Call Us.

Yes. User can change application language and transaction SMS language.

• Go to Profile > Change Language > Select language to change for application.
• Go to Profile > Change Transaction SMS Language > Select language to change Transaction SMS Language.

Yes. You can get this option from Profile option. Click on the Feedback option under Profile and send the feedback.

User can see the deposits created by him/her in Canara Bank. User should login and click on TD account (listed in My portfolio/under Deposit) where it will ask to select the account. Then application will display details like Maturity date, Value and Amount.

Yes. User can generate QR Codes using Canara Bank Mobile Banking Application. User has to login the app > Go to Profile Section > Click on My QR Code > Select any of the option Generate Static QR or Generate Dynamic QR option for the UPI linked Account for which QR is to be generated.

Yes. Customer can view credit score in mobile banking application. Login to Canara ai1 > Under Lifestyle section tap on Free Credit Score > Click on Check your Score > Credit Score will be displayed. The credit score is provided by Experion Credit Information Company of India Pvt Ltd.

Yes. Eligible customers can port to flagship CASA product of the Bank, namely Canara Angel or Canara Aspire. The option "Account Portability" is available under Accounts & Services > Account Portability option.

User can enquire his/her loan in below mentioned ways:

• Cumulative outstanding for all loan accounts is available on home screen by clicking 'Show' on Overall.
• Under 'Loans' tab user can check loan details account wise.
• On home screen under 'Loans' user can check loan details by clicking on 'Loan Details' and upon clicking the account, the Loan Account Details will be displayed. The application will show loan details like Outstanding Amount with Amount paid and date of amount.

Repayment for Retail Loan: Login into application > Under Loans > Loan Repayment > Select Loan Account > Click on Repayment > Enter Instalment Amount > Enter 6-digit MPIN > Transaction successful.

Repayment of Agri Loan: Login into application > Under Loans > Agri Loan > Select Loan Account > Click on Repayment > Enter Instalment Amount > Enter 6-digit MPIN > Transaction successful.

Yes. Option to repay loan while reducing the term of the loan or the EMI amount is available in Mobile Banking application. The User may follow the below path:

Loan > Loan Repayment > Select Account to Repay > Advance Payment > Recalculate Instalment/Recalculate Term > Enter Amount > Select account to be debited > Accept Terms & Conditions > Enter MPIN.

Yes. Loan Repayment Transaction Summary can be shared by clicking on Share button from the summary screen through sharing options like WhatsApp, Gmail, etc.

Yes. Lifestyle tab in home screen can be utilised to book train tickets, flights etc.

Yes. Recharge option is available under Lifestyle tab in home screen.

Yes. User can access Govt backed Social Security Schemes such as PPF, SSY, SCSS, KVP, NPS, PMSBY, PMJJBY, APY etc. in Mobile Banking application and carry out transactions such as availing of the aforementioned schemes, making payments etc. The services are available in Social Security Schemes tab in home screen of mobile banking.

Yes. Customer can carry out Credit Card operations such as viewing the details of credit card, make payments, manage card usage, convert to EMI, Block/unblock the card through Mobile Banking application. The aforementioned options are available at:

• "Credit cards" tile in Portfolio screen.
• In Home screen, Cards > Manage credit card option.
• Cards (In the bottom second left option near to profile) > My credit cards > View Credit Cards.

Yes. Customer can view the details of Debit card, Card summary, manage card usage, Block/unblock the card at the following paths:

• In Home screen, Cards > Manage Debit Card option.
• Cards (In the bottom second left option near to profile) > My Debit cards > View Debit Cards.

Yes. Eligible customers can avail Loan against Mutual Fund, Loan against Deposit and other loan products of the Bank such as Canara Heal, Canara Budget, Canara Pension etc. under "Digi Loans" option in Loans tab.

Yes. Eligible Payroll Account customers can avail Instant Overdraft facility under Loans tab in home screen of mobile banking.

Yes. Customers can perform various Outward Remittances through mobile banking under "Forex" tab in home screen.

Yes, customers can set beneficiary-wise transaction limit in the mobile banking application. For new beneficiary customer can set the transaction limit at the time of addition and for existing beneficiaries limit can be set in My Beneficiary > Edit > Set Transaction Limit.