Frequently Asked Questions

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If you are trying to open the account with E-KYC, then the OTP is generated from UIDAI, in that case you will have to wait for the OTP. Also Also please make sure that you have a good signal strength.

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Please ensure you are scanning the QR in your original Aadhaar card.

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Enter your Date of Birth manually and tap on ‘Proceed.’

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No, Joint account holders cannot use FedMobile.

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A non-Federal Bank customer has to go through the following steps to register on the app: Open FedMobile App-> Select the SIM (Mobile Number) which you wish to register with on FedMobile-> Complete the SMS activation process. Once the SMS activation process is completed, the user then can open a ‘Selfie Account’ with Federal Bank or register for UPI functionality or skip opting either of the options and proceed to the main home page to use bill payment and merchant services.

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Existing FedMobile users just need to update the app and login with the same MPIN that was used to access their old version of FedMobile. New FedMobile users have to complete the registration process as follows: Open FedMobile App-> Select the SIM (Mobile Number) registered with the Bank-> complete the SMS activation process. On completing the SMS activation, customers can either choose Transact mode or View only mode. If the user chooses view only mode, the app will prompt the user to set a 4 digit MPIN, which is required to login the app thereafter. In case the user opts for ‘Transact’ mode, the app will ask the user to verify his account number. The user will be required to enter debit card details and set a new MPIN to complete the process.

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Both Federal Bank and non-Federal Bank customers can use the FedMobile app. But a few of the app functionalities will exclusively be available for Federal Bank customers only.

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Any other bank account can be linked to FedMobile by visiting the UPI module in FedMobile. Customers can use FedMobile for adding any Bank Account through UPI ID.

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A non-Federal Bank customer will have to first complete the SMS activation process. After the activation process, the customer will be provided with an option to onboard the FedMobile app as a UPI user. In case the user skips UPI registration on the initilal steps, he can still opt for the same via Home screen.

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Yes you can! You can activate FedMobile using either Debit Card details, FedNet credentials or by visiting branch.

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Yes, NRI/NRE/NRO users can use the FedMobile app.

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Yes, if you are an existing FedMobile user who is opting for ‘Transact’ functionality, then it is necessary to enter your debit card details to activate FedMobile app . You can also activate FedMobile using your FedNet credentials

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MPIN is your 4 digit mobile banking PIN used to log into the FedMobile app.

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Retry performing the SMS activation process by tapping on ‘Try Again.’

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For Federal Bank customers, we suggest you to go back and complete the SMS activation process once again with the registered number. In case, you have logged in using the wrong number, suggest you to clear the app cache and storage data, and then complete SMS activation with registered number.

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If you feel that the collect request is not genuine, then you can block the requester to avoid responding to his requests in future. To block a requester, select the received request, tap on ‘Block’ and confirm.

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Accept the collect request -> Choose the desired mode of payment and complete the transaction.

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UPI Collect request is a request raised by a user onboarded the app through UPI Platform, requesting money from the person to whom the request is sent.

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Request to revise your transaction amount as per the limits. Transaction Limits in UPI are as follows – Cumulative transaction limits for a day: UPI P2P payments: Rs.1 Lac every 24 hoursUPI P2M payments: Rs.2 Lac every 24 hours. UPI Collect Requests are restricted to Rs.5000/- per request.

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Money can be requested using the Mobile number or UPI ID of the remitter.

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Yes. Request Money option is available under BHIM UPI option. You can place collect money request using the mobile number or UPI ID of the remitter.

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No, you can only mark a beneficiary as favourite.

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To manage your quick pay limit, please tap on the side bar option on the Home screen, tap on App Setting and go to Manage limits. Adjust the limit on the slider as per your choice, tap on ‘Reset Limit’ and enter your PIN to confirm.

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All the fund transfer options except RTGS can be used 24/7. RTGS transactions are subject to RBI RTGS timings.

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‘Send to Mobile Number’ feature will work only if the recipient is also a FedMobile user.

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Your friend must have account with Federal Bank as some of the features in the app are only available for Federal Bank customers. So, to be able to access all the features in the app, please open an account with Federal Bank.

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Absolutely! Navigate to the transactions tab in the bottom of the Home screen, select the desired transaction, and tap on the share icon. You can share the transactions on various platforms available in the share option.

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Transactions Tab at the bottom of the Home screen of the app contains the history for all the transactions done using FedMobile.

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UPI PIN or UPIN is a 4 digit/6 digit PIN set aganist a bank account from PSP apps after validation of the user. This can be used for debiting such UPI liked accounts throughout platforms & apps supporting UPI. MPIN used to login in FedMobile app.

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Yes, select mobile number under send money option, enter valid mobile number (i.e., number registered with FedMobile app), enter the amount and complete the transaction.

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Mobile Money Identifier also known as MMID is a 7-digit unique number that allows the user for Immediate Payment Service (IMPS) or UPI. Choose send to MMID option by selecting Send money option on the homescreen. Enter a valid MMID and complete the payment.

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All channels of payment except IMPS is free of charges when used for fund transfer. The charge structure for IMPS transactions are detailed in the following link: https://www.federalbank.co.in/rates-and-charges

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It’s easy! Tap on ‘Send Money’ on the Home screen and select the desired channel to transfer funds to the beneficiary. You can transfer funds to the beneficiary having Federal Bank account using any of the following options: Send to Account Number, Send to UPI ID, Send to Mobile Number, Send to MMID or Schedule a payment.

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If you are an NRI account holder, then you will be able to send money to other NRI accounts, NRO accounts & resident accounts. If you are a resident account holder, then you will be able to send money to other resident accounts and NRO accounts.

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Navigate to Beneficiary Management option on the Home screen, locate the beneficiary you want to edit/delete, tap on the 3 dots beside the beneficiary, and select edit/delete beneficiary option.

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Higher fund transfer limits are applicable to the payees who have been added as beneficiaries.

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To add a beneficiary, navigate to the beneficiary management option available on the Home screen, enter the details of the beneficiary, and tap on save. You can also add a beneficiary via a recent transactions tab by selecting a recent quick pay transaction with that beneficiary.

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Tap the Beneficiary Management option under “More” on the Home screen, go to particular payee you want to add as beneficiary and tap on the ellipsis (the three dots). Now tap on ‘add to favorites.’ Please note you can also mark a beneficiary as favourite after completing a transaction.

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Yes. Navigate to schedule payment option on the Home screen, select the payment you want to cancel/stop and tap on the cancel payment option.

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Yes. Schedule Payments can be One-Time or Recurring.
You can cancel or pause the payment before the execution date (in case of recurring payments).

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Yes, you can. To schedule a payment follow these steps- Navigate to schedule payment option on the Home screen and add a new payment. You can also schedule payments by tapping on the send money option available on the Home screen and selecting the schedule payment option.

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SafeGold buys international grade bullion from institutional suppliers and sells this to consumers. When customers sell gold back to SafeGold, they sell it back to institutional participants in the wholesale bullion market, where the buyback rate is lower than the selling rate – this is referred to as the buy-sell spread. In addition to the buy-sell spread in the commercial bullion market, GST is added to the buy price, but it is not levied on any sell transactions. Further, there are charges incurred on the payment gateway, trustee, insurance and custodian fees which also contribute to the difference in buy and sell price.

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The buy and sell prices are different owing to the various costs involved in procuring and securely storing the gold along with the buy-sell spread in the commercial bullion market. When you purchase X amount of gold, it includes GST of 3% and the gold will be sold to you for the remaining amount at the BUY price quoted. The value in the gold locker is calculated on the live SELL price, i.e. the price at which the gold is bought back from you and sold in the commercial bullion market. This is different from the BUY price and therefore the locker value would be different from the amount initially paid.

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The secure storage provider (Brink’s) has a comprehensive, global insurance policy that includes the insurance cover on your gold stored in their vaults. In addition, SafeGold has an additional insurance policy to cover gold in transit.

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There are no tenures. You are not obligated to make any fixed or periodic payments.

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The gold associated with the accumulations in your account is separate from the other assets of SafeGold. IDBI Trusteeship Services Limited, an independent trustee, acts for and on your behalf. The gold purchased in your accounts is held with the Custodian. When you ask for delivery, the requisite quantity of gold will be removed from the Custodian and delivered to you through a reputed courier service. Any unlikely adverse event happening to Company will not affect the gold associated with the accumulations in your account. Further, the title of the gold clearly rests with you.

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SafeGold has entered into a relationship with IDBI Trusteeship Services Limited to act as a Security Trustee for all their customers. The Security Trustee is entitled to act on your behalf and ensure that your interests are protected. The Security Trustee will be the custodian of the gold purchased/accumulated by you.

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The standard for 24K gold in India is 99.5% (995) purity, and the reference rates for gold on exchanges like the MCX or newspapers is the rate for 995 purity. Since this is the standard used across the ecosystem, customers can often lose any additional benefit when they try to exchange a higher purity gold than 995 as jewelers will most likely give them value for 995 only. Safegold’s endeavor is to offer you the best quality gold for the most value, and therefore 24K gold of 995 purity is offered.

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Safegold offers 24 Karat Gold of 995 fineness (99.5% pure).

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Digital Gold India Private Limited is institutionally owned by InVent Capital with the World Gold Council as a minority investor (through World Gold Council (India) Private Limited). SafeGold is a product of Digital Gold India Private Limited.

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SafeGold is an organized and transparent method of buying 24 carat gold in compliance with all applicable laws and regulations. SafeGold is neither a financial product nor a deposit but a method of purchasing gold for your personal needs. You can buy the gold under this plan according to your wish and have complete freedom to seek physical delivery of gold anytime and on as many occasions as you want. The minimum quantity for which the delivery is proposed to be made has been kept as low as 0.5 gram and in multiples of 0.5 gram. Gold will be purchased on your behalf on the basis of clear funds being made available by you for the transaction. Gold in grams up to 4 decimal places shall be credited to your account.

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We will always endeavour to provide you with immediate access to your gold. If, however, your account has been suspended for any reason, we would request you to get in touch with our customer service centre, in order to reactivate your account to get access to your gold once again.

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In the event of your death, if specifically allowed by SafeGold subject to the required due diligence, the title to your Gold lying in the vault and your account shall transfer to your legal heir.

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No, you cannot cancel the order once it has been successfully placed on the app.

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No, you cannot have a joint account for SafeGold.

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No, there is no lock-in period from the date of purchase. You can choose to sell any amount of gold at the live sell price starting with minimum of Re. 1/- to maximum of the amount of gold that you own.

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You can store your gold with SafeGold for a period of 7 years from the date of purchase. For the first 24 months, the custodian services would be free of cost and thereafter, will continue to be stored by SafeGold for a nominal fee, to cover storage costs. You will be intimated in advance of being charged the fee, and will have the option to sell or request delivery of your gold at all times.

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The gold purchased on your behalf is stored with Brink’s, the leading safe keeper of precious metals across the world. The gold is insured, both for storage and transit when being delivered to you. Further, IDBI Trusteeship has a charge on all the gold stored in the vault in your favour. This ensures that your gold is protected at all times regardless of any external events.

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Quarterly Holding Statements will be emailed to your registered email ID.

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An invoice shall be emailed to you as an attachment after each successful transaction. You can also download the invoice by tapping on the invoice button offered under My Orders.

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SafeGold will publish a live buy-sell quote for you which will be derived from the wholesale bullion market plus a commission to cover operating costs. The actual purchase price paid by you will always be transparently published so that you have a chance to compare with all other sources before entering into a transaction.

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Digital Gold India Private Limited (the “Company”) provides a sell price quote on the app. You can choose to sell any amount starting with a minimum of Re. 1 to a maximum of the amount of gold that you own. The sell quote may be temporarily unavailable in the unlikely event of a disruption in the bullion market.

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The minimum amount of purchase is Re. 1. The maximum amount is the same as your cumulative FedMobile “Quick Pay” Limit.

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Any Indian resident of the age 18 and above can enroll for SafeGold.

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At the time of deactivation, you will be offered the option to withdraw your SafeGold balance or request for delivery of your gold.

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All of Safegold’s coins are hallmarked to certify purity and delivered in tamper-proof packaging and are dispatched directly from their premises. The coins are also insured through transit and checked before delivery to avoid any risk of fraud. However, in case of any discrepancy, please get in touch with our customer service center.

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No, only you can request for the delivery of physical coins from your SafeGold balance. However, in the event of your death, your legal heir will be able to collect the gold coins by showing their proof of identity along with the original/notarized copy of the death certificate and proof that the person is your legal heir.

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Yes, you will be required to pay the minting/ making charges, delivery charges, and applicable taxes. All coins are independently assayed to certify purity and delivered in tamper-proof packaging. Charges are as per the table below:

Coin Weight (gms) Minting Charge (₹)
0.5 319
1 360
2 410
5 510
10 699
20 899
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In case of delivery of coin/ bar, the shipment will be mandatorily delivered to your registered address as provided by you and confirmed at the time of delivery request. SafeGold maintains a list of serviceable pin codes, and prior to making any purchase, you will be informed whether the pin code is serviceable by the SafeGold.

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Once you place a delivery request, you must accept the delivery made to you. It cannot be cancelled or delivered at a later point in time.

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No, you cannot cancel the purchase order of gold once it has been successfully placed on the platform.

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No, your address on the delivery request, once accepted on the platform, cannot be changed.

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Yes. You can enter a different address. In the event that the new delivery pin code does not fall in the serviceable area, you may have to enter some other address.

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Once you place a delivery request, you have to accept the delivery made to you. It cannot be made at a later date.

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You can request delivery for all or part of your gold holding, starting from 0.5 gm, and multiples thereof. You can select the quantity and denomination of the gold you wish to withdraw from the available options of coins. Each coin will have different making charges, based on the weight and design of the coin. You must confirm the transaction by paying the additional making and delivery charge. The coins will be delivered at your notified address by a logistics provider arranged by SafeGold, and you will receive a confirmation on your registered mobile number. The delivery can be tracked at any time by logging into the platform.

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Please raise a ticket or get in touch with our customer service centre, and we’ll respond to any queries you have on your gold account. Our Contact Centre is available to provide the first level of support and SafeGold shall be available to address any questions/issues that may be escalated.

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SafeGold is neither a Collective Investment Scheme nor a Deposit. Thus, this plan doesn’t fall under the purview of SEBI or RBI, and there is no regulator for this product offering. To ensure that your interest is of foremost importance, a Security Trustee has been appointed for SafeGold. For any grievances specifically in relation to your gold purchase and related transactions, you can approach the Security Trustee.

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No, KYC is a one-time procedure. Once your KYC is done, you do not need to do it again for any future investment.

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You can send a request to instainvest@federalbank.co.in to get your name changed along with a copy of your PAN card. It will take 21 working days to complete the procedure. During this period, you will not be able to make fresh investments.

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All new investments are registered under the ARN 148616, of our partner M/s Equirus Wealth Private Limited.

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No. Currently, we only offer Regular mutual funds.

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It usually takes 3-4 working days for units to be allocated. In the case of liquid funds, it takes 1-2 working days.

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It usually takes 3-4 working days for an order to be completed. In the case of liquid funds, it takes 1-2 working days.

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As long as the amount is less than Rs.2 Lac the cutoff time is 3 PM. If you invest before 3 PM, the NAV will be of that day. After 3 PM, the NAV will be of the next day. For liquid funds the cutoff time is 2 PM – if you invest before 2 PM the NAV is taken from the previous day and after 2 PM the NAV is taken of the current day. For amounts larger than Rs.2 Lac the investment is considered complete at the time the money is received by the mutual fund. This could be instant or could take some time depending on the NEFT settlement.

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You can track your orders in the ‘My Orders’ section after clicking on Profile.

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Cancelling a SIP will stop future investments. Don’t worry, your money will still be invested in the scheme. To get back the money, you need to redeem the amount.

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Don’t worry. If you have missed an installment, your SIP will still be active. Your next installment will be in the next month. In the meantime, you can go to the Portfolio in Dashboard and select the fund, tap on it, and then tap ‘Pay One-Time’ to make an investment which you might have missed.

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This could be due to multiple reasons:

  • It is a holiday on your SIP deduction day. In this case, your SIP will be deducted on the next working day.
  • The gap between the date you created the SIP and the next SIP date is not 30 days. Your next SIP date will be the one after 30 days from the creation of the SIP.
  • Insufficient balance in your bank account.
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Liquid mutual funds are schemes that invest in securities like bank deposits, commercial papers, treasury bills, etc. with a residual maturity of up to 91 days. They are considered low risk as the maturity periods of the underlying securities are lower. They are considered as alternatives to savings accounts due to their higher return potential. Redemption of a Liquid Mutual Fund usually takes T+1 day (one day after your request is placed). Some fund houses allow an instant withdrawal of ₹50,000 or 90% of your investment, whichever is lower.

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An arbitrage mutual fund is an investment fund which invests predominantly in arbitrage opportunities. Arbitrage is basically buying/selling a security in one market (for example, Cash Market) and simultaneously selling/buying it in another market (for example, Futures Market) where the price is different, thereby profiting from the temporary difference in prices. For taxation purposes, arbitrage mutual funds are taxed like equity and therefore benefit investors that fall in the higher tax brackets. Arbitrage funds are not exposed to market risks, but since they are also allowed to invest some part in debt instruments, there is a degree of credit risk and interest rate risk involved. As a whole, Arbitrage funds are considered as low risk instruments with post tax returns often beating many debt funds.

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A dynamic mutual fund or dynamic asset allocation fund is a form of balanced mutual fund which invests in a mix of equity and debt instruments. Here, the fund manager plays an important role. Depending on prevailing market conditions and other factors, the fund manager actively shifts your money from equity to debt and vice versa with an aim to reduce risks and maximise returns. Sometimes, these are also called smart asset allocation funds.

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ELSS stands for “Equity Linked Savings Scheme”. These are mutual funds that invest at least 80 per cent of their assets in equity and equity-related instruments. Investments in an ELSS qualify for tax deductions under Section 80C of the Income Tax Act within the overall limit of ₹1.5 lakh. The amount you invest in ELSS can be deducted from your taxable income, which helps you lower the amount of income tax you are liable to pay.

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A debt mutual fund is a scheme that invests predominantly in bonds, fixed income and money market instruments. They are further classified based on the type of instruments they mainly invest in. Since not all debt instruments are same, debt mutual funds are generally considered medium to low risk. There are debt funds that invest in risky bonds as well and you must be prudent while choosing a debt fund. Some debt funds invest predominantly in government securities and therefore benefit from the sovereign guarantee. Debt funds are subject to credit risk and interest rate risk.

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An equity mutual fund is a mutual fund scheme that invests mainly in equity stocks. As per current SEBI Mutual Fund Regulations, an equity mutual fund scheme must invest at least 65% of the scheme’s assets in equities and equity related instruments. Due to their exposure to the stock market and therefore to the market risks and volatility, equity mutual funds are generally considered High Risk instruments. However, they have the potential to generate higher returns than traditional fixed income instruments over a sufficiently long period of time.

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When you choose to invest in Mutual funds, you may have to decide whether you would do it one time, or at regular intervals. An investment that is made just one-time is called a “Lumpsum” investment. When you decide to invest regularly, for instance, every month, you do it via an SIP – a Systematic Investment Plan. When you opt for an SIP, the amount will be deducted from your account at the intervals you have chosen – monthly, quarterly, etc. – and will be invested in the fund. An SIP is generally recommended for disciplined investing and to better handle volatilities in stock markets. It must be noted that after you make a lumpsum investment if in the future you want to invest more in the same fund/folio, you can do that easily, subject to the minimum amounts specified by the AMC. Generally, SIPs have smaller minimum investment amount requirements than lumpsum.

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A mutual fund is a financial vehicle constituting a pool of money collected from various investors like you. This money is then invested in various financial assets like stocks, bonds, money market instruments, etc. Mutual Funds are professionally managed by Asset Management Companies (AMCs) and regulated by SEBI (Securities and Exchange Board of India). Every Mutual Fund has a Fund Manager, an expert in the field of investment and finance, who manages the fund.

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Yes. A Deposit advice will be emailed to your registered email ID within 24 hours of opening the deposit.

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Yes. A minor can be a nominee in your deposit. However, you will be required to add the details of the guardian as well.

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Yes. You can select the relationship as ‘Others’ while adding the nominee.

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Yes. You can select the appropriate relationship while adding the nominee.

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Yes. Auto renewal facility is applied by default for fixed deposits.

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You can view or download your deposit account statement by navigating to Investments > My Investments > Bank Deposits, tapping on the deposit and then selecting ‘View Satement’. If you want to download or receive the statement via email, tap on the 3 dot menu on the top right and select the option ‘Get Statement’.

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You can view all details pertaining to your deposits by navigating to Investments > My Investments > Bank Deposits and tapping the deposit of which you want to view the details.

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You can view all your deposits by navigating to Investments > My Investments > Bank Deposits.

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You can open a deposit by navigating to Investments > Make an Investment > Bank Deposit and selecting your deposit option among fixed deposit, recurring deposit and tax saving deposit.

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Yes. A Deposit advice will be emailed to your registered email ID within 24 hours of opening the deposit.

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Yes. A minor can be a nominee in your deposit. However, you will be required to add the details of the guardian as well.

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Yes. You can select the relationship as ‘Others’ while adding the nominee.

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No. Recurring deposits are not auto-renewed on maturity. The maturity proceeds are credited to your operative account.

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You can view or download your deposit account statement by navigating to Investments > My Investments > Bank Deposits, tapping on the deposit and then selecting ‘View Satement’. If you want to download or receive the statement via email, tap on the 3 dot menu on the top right and select the option ‘Get Statement’.

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You can view all details pertaining to your deposits by navigating to Investments > My Investments > Bank Deposits and tapping the deposit of which you want to view the details.

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You can view all your deposits by navigating to Investments > My Investments > Bank Deposits.

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Yes. A Deposit advice will be emailed to your registered email ID within 24 hours of opening the deposit.

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No. Tax Saving deposits have a lock-in of 5 years and cannot be closed prematurely.

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Yes. A minor can be a nominee in your deposit. However, you will be required to add the details of the guardian as well.

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Yes. You can select the relationship as ‘Others’ while adding the nominee.

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Yes. You can select the appropriate relationship while adding the nominee.

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No. Tax Saving deposits are not auto-renewed on maturity. The maturity proceeds are credited to your operative account.

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You can view or download your recurring deposit account statement by navigating to Investments > My Investments > Bank Deposits, tapping on the deposit, and then selecting ‘View Statement’. If you want to download or receive the statement via email, tap on the 3 dot menu on the top right, and select the option ‘Get Statement.’

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You can view all details pertaining to your deposits by navigating to Investments > My Investments > Bank Deposits and tapping the deposit of which you want to view the details.

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You can view all your deposits by navigating to Investments > My Investments > Bank Deposits.

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Because Tax Saving Deposit has a fixed duration of 5 years, which cannot be changed.

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Through FedMobile, you can invest in Bank Deposits (such as fixed, recurring and tax saving), Digital Gold (investment starting from as low as Re 1), and Mutual Funds. If you are unsure of where to invest, you can always seek help from the expert’s designed- ‘Help Me Decide’ card in FedMobile. Tap on Help Me Decide card under Investments to get instant help and make the right investment decision.

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The facility to close a loan is currently only available for loans against deposits which are availed from FedMobile app. You can see the “Close Loan” option for eligible loans inside the loan details page. For all other types of loans, please contact your branch for closure.

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Normally, Loan installments are auto recovered from your savings account. You can also manually make a payment using the “pay loan” option inside the loan details page of a loan.

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Please use the “view statement” option inside the loan details page to view transactions pertaining to your loan.

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Yes. Please use the “view statement” option inside the loan details page to view your loan account statement. You can also receive the statement as an attachement via email using the “get statement” option in the menu.

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No. Closed loan accounts are not displayed in the app.

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The total outstanding amounts of all the loan accounts in your name will be displayed in the “Outstanding Loans” section. This includes Home Loans, Vehicle Loans, Personal Loans, Educational Loans and Loans against deposits.

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You can view all your active loans under “My Loans” tab in the Loans module.

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Our Team will contact you within 48 hours of submission of the request. You can inform them of any modifications to your request. If you have a query in the meantime, you can always contact us.

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Yes. Once you enter the required details, you can use the “Save for Later” option to save the request as a draft.

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Yes. You can request loan assistance for purchasing a used car. However, currently we do not finance used two wheelers.

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A loan request once submitted, cannot be deleted. However, you can intimate our team when they contact you, of your desire to halt the process.

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You can currently request for a Housing Loan, Vehicle Loan, Personal Loan and an Educational Loan.

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Yes. After receiving the request, our team will assist you in acquiring all required details during loan processing.

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No. A loan request should not be construed as an online application for the loan or submission of any such application. Our Team will get in touch with you within 48 hours to complete the application and documentation formalities.

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You can expect a response from our Team within 48 working hours from the time of submission of the request. If your request is not responded within that time, or if you have other related queries, you may please contact us.

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Yes. You can use the “request a loan” feature to request a Home, Personal, Educational or Vehicle Loan. Our Team will get in touch with you as soon as possible to take it forward.

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Yes, a credit score check as per the Bank’s internal eligibility criteria is a pre-requisite for successful disbursal of the loan. Any offer is subject to certain terms and conditions.

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Loan tenures will be available based on your maximum and minimum EMI and loan amount eligibilities. If you select a higher loan amount, it may happen that one or more of the lower tenures is disabled.

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Yes, a processing fee of 2% + GST (18% of the PF currently) will be charged while availing the loan. Any changes in the fee / charges will be intimated at the time of availing the loan.

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If the outstanding amount in your loan account is zero, it will be closed automatically. If it is not closed, please contact your branch.

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The loan repayment is via EMIs, which will be auto recovered from your operative account. You can also make a lumpsum payment and preclose your BYOM Flexi EMI Loan.

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The interest rate is displayed to you while availing the offer, in the review page. The details of the loan, along with the interest rate, are emailed to you once the loan is availed.

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BYOM (Be Your Own Master) Flexi EMI offers are available to select customers of Federal Bank based on certain eligibility criteria. An offer may become available to you at any time.

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BYOM (Be Your Own Master) Flexi EMI offers are available to select customers of Federal Bank. The offer is a function of different critieria assessed by the Bank and a successful CIBIL check.

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BYOM (Be Your Own Master) Flexi EMI is an innovative EMI facility offered on your debit card purchases. You can convert one or more of the eligible purchases made on your debit card into EMIs at attractive interest rates. The loan amount will be credited instantly to your operative account.

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The mode of loan repayement is lumpsum. You can repay the loan partly or fully by transferring the fund to your loan account through FedMobile.

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The maximum loan amount that can be availed is 90% of the balance in Deposit account.

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Currently, there is no processing fee or GST charged for the service.

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AADs opened through Fedmobile can be closed via Fedmobile. Please use the “Close Loan” option to request for the same.

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The loan tenure is the remaining period of the Deposit subject to a maximum of 30 months. It cannot be changed.

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Deposits are valuable, secured and liquid assets. The current contracted rate of interest may not be available at future dates. We suggest, it is better to avail an AAD instead of closing an asset, for funding temporary or immediate requirements and close the same when the funds are available.

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The interest rate is currently Deposit Rate + 2%.

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An advance against deposit is a term loan against fixed deposits which can be availed through Fedmobile without any physical documentation. A lien will be marked on the selected deposit and upto 90% of the deposit value can be availed as a loan. Repayment can be done as a lumpsum payment.

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The mode of loan repayment is lump-sum. You can repay the loan partly or fully by transferring the fund to your loan account through FedMobile.

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The maximum loan amount that can be availed is 90% of the balance in Deposit account.

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Currently, there is no processing fee or GST charged for the service.

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Easy Cash opened through FedMobile can be closed via FedMobile. Please use the “Close Loan” option to request for the same.

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The loan tenure is the remaining period of the Deposit subject to a maximum of 72 months. It cannot be changed.

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The interest rate is currently Deposit Rate + 2%.

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Federal Easy Cash is an easy, instant overdraft facility on eligible deposit accounts. An overdraft account will be opened and available for operation on the next day in FedMobile. There is no need for any physical documentation.

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The mode of loan repayment is lumpsum. You can repay the loan partly or fully by transferring the fund to your loan account through FedMobile.

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The maximum limit is 90% of the Maturity Value of the Deposit. the maximum available loan fund is 90% of the balance available in the RD account at any point in time.

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The processing fee is 0.15% of the maximum limit (loan amount).

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Fed Rise opened through FedMobile can be closed via FedMobile. Please use the “Close Loan” option to request for the same.

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The loan tenure is the remaining period of the Deposit subject to a maximum of 120 months. It cannot be changed.

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The interest rate is currently 10.75% or Deposit Rate + 2%, whichever is higher.

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Fed Rise is an exclusive overdraft facility available against eligible recurring deposits (FSF). An overdraft account will be opened and available for operation on the next day in FedMobile. There is no need for any physical documentation. The available balance in the overdraft account will keep increasing after subsequent credits to the FSF account.

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Just enter the loan amount required, the interest rate per annum and the loan tenure in months. The EMI amount will be automatically calculated and shown at the top.

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EMI Calculator is a simple module to calculate the EMI amount for any given loan amount, interest rate and tenure. EMI stands for Equated Monthly Installment, which is a repayment method for a majority of loans that contains principal + interest components and remains fixed through the entire tenure of the loan.

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A processing fee of 2% + GST (18% of the PF currently) will be charged while availing the loan. Any changes in the fee / charges will be intimated at the time of availing the loan.

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It is not possible to increase the maximum amount of a BYOM loan offer.

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BYOM loans generally do not have any prepayment penalty. You can close the loan account at your convenience any time before completion of the tenure. However, interest rates and charges are periodically revised by the Bank and you will be informed in advance if there is any such change relevant to you.

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Yes, you can repay your BYOM loan or close it through the branch. You can also repay your loan through FedMobile.

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If the outstanding amount in your loan account is zero, it will be closed automatically. If it is not closed, please contact your branch.

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Please contact your branch to close the loan account.

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The Loan amount less the processing fee and broken period interest, if any, will be credited instantly to your operative account once you successfully apply for the loan.

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The interest rates and duration applicable for the loans are displayed separately to the customer when they avail the offer. The same are also shared via email once the customer accepts the offer and applies for the loan.

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BYOM (Be Your Own Master) personal loan eligibility is a function of various factors assessed by the Bank for each of their customers. It is therefore not possible for every customer to have the same offer.

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BYOM (Be Your Own Master) personal loans are only avaible to select customers based on certain eligibility criteria determined by the Bank. If you are eligible for a BYOM loan, you will get an option to avail the same in FedMobile.

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BYOM (Be Your Own Master) personal loan is a pre-approved, instant personal loan offer exclusively available to select customers of Federal Bank. The eligibility is a function of different criteria assessed by the Bank. The loan funds are instantly credited to your operative account, without the need for physical documentation.

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NPCI Mandated UPI Limits are as follows: 1 Lakh for 24 hours in case of person-to-person & normal merchant transfers. Rs. 2 Lakh/day in case of Verified merchants.

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UPIN can be changed from Manage Accounts section. Go to ‘ Manage accounts’ & click on the account number. The option to change UPIN will be displyed in the pop-up.

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OTP generated for the selected bank account is triggered by the issuer bank. If you are facing issues in SMS delivery, please try again after sometime.

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You can reset UPIN easily from Manage Accounts section of the app. Go to ‘ Manage accounts’ & tap on the account number. You will see an option to change UPIN on the pop-up.

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UPI PIN or UPIN is a 4digit/6digit PIN set aganist a bank account from PSP apps after validation of the user. This can be used for debiting UPI linked accounts on various platforms & apps supporting UPI.

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You can change/update your mobile number either directly through Federal Bank ATMs, or by following online procedure on FedNet or by visiting our branch.

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At the time of UPI registration, SMS verification over cellular network is mandatory as per the guidelines by NPCI. If the rquest fails, please try once again.

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The error is shown when your mobile number registered with FedMobile app is not linked with the bank selected by you for linking with UPI.

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A list of UPI member banks enabled by NPCI will be available for the selection of accounts.

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Creating a UPI ID is easy! Just tap on “BHIM UPI’ on the Home screen, go to “Manage UPI ID” section & click on the “Create VPA” button. Here you can enter a suitable UPI ID and click “Submit”. Accounts can then be linked to the UPI ID from the ‘Manage Accounts’ section of BHIM UPI.

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Kindly note that as per the stipulation by NPCI, a maximum of only 3 UPI IDs or VPAs (Virtual Payment Addresses) can be created using the FedMobile app. Once the limit is reached, the button to “Create VPA” will be disabled.

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To link a bank account, tap on ‘BHIM UPI’ on the Home screen, go to Manage Accounts, & select the desired UPI ID. From the list displayed, select the bank account that has to be linked to the UPI ID & complete the process of linking bank account.

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To view your UPI ID, tap on “BHIM UPI” on the home page. You will find the default UPI ID at the top and the QR code for the UPI ID below it.

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If you feel that a collect request sent to you is not genuine then you can block the requester in the app. To block a request, go to ‘Payment Requests’ under UPI, tap on the collect request you want to block, and then tap on the “Block” button to avoid responding to that request in the future. In order to unblock the user, go to the collect request received from that user & tap on the ‘Unblock’ button.

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UPI Collect Notifications are shown to the user as soon as the request is received from NPCI for the VPA linked to the app. If you are unable to view the request, please logout & login to the app once again, and check the UPI Payment Requests section.

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To request money, tap on ‘BHIM UPI’ on the Home screen & go to Request Money. Request can be raised to a UPI ID or a mobile number linked to a VPA.

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Only 5 UPI collect Requests can be made per day for UPI transactions.

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UPI Collect has a default expiry time of 30 minutes unless it is set to expire on a specific date by the user.

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There are no limits currently on receiving money via UPI. However, collect requests are limited to Rs. 5000 per request.

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Transaction Limits for UPI are as follows – Cumulative transaction limits in a day: UPI P2P payments : Rs.1L per 24 hours, UPI P2M payments : Rs.2L per 24 hours and UPI Collect Requests are restricted to Rs.5000/- per request.

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To view the received collect request, tap on UPI Payment Requests, and go to the Received section in the app.

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UPI Collect request is a request raised by a user onboarded on the UPI Platform asking for funds from the person to whom the request is sent.

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It may happen that your transaction was successful but due to some issues at the beneficiary bank there might be a delay in updating the status. Such transactions are shown as ‘Pending’. The amount will reach the beneficiary in 48 hours, once the bank completes the daily settlement. If the same doesn’t happen, you can ‘raise a complaint’ aganist the specific transaction using the reference number in the ‘UPI Complaint Management’ section of the app.

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No, once the payment request is initiated, it cannot be stopped.

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Yes you can. You will see the option to ‘Add the beneficiary’ after every time you send money to the payee.

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A maximum of 3 VPAs can be created.

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To add beneficiary, tap on “BHIM UPI” on the Home screen, go to ‘Beneficiary Management’ & select the appropriate option. Tap on “Add Beneficiary”, fill the necessary fields and submit.

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‘To send money via UPI, tap on “Send Money” on the Home screen, select the appropriate channel to send money and continue.

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Complaints against UPI transactions can be raised under ‘UPI Complaints’ section in the app. The complaints will be forwarded to the respective bank & the response will be updated in the same section.

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Go to ‘My Mandates -> Created’ section in the app & select the mandate that has to be modified. Note that only the amount and end date can be modified.

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Go to ‘My Mandates -> Created’ section in the app & select the mandate that has to be revoked.
Only mandates that have not been executed or passed the expiry date can be revoked.

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End Date for the mandate should be within 90 days from the start date.

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A One-Time payment mandate to a VPA can be created by visiting the UPI Mandate Section under BHIM UPI feature of the app.

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With UPI mandate feature in the app, users can pre-authorize a UPI transaction and schedule to pay on a later date These mandates are created with one-time block functionality, i.e., the amount to be processed for transaction will be blocked for the same. The authorization/mandate to debit the account is confirmed with the UPI PIN.

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All your recent transactions will reflect instantly in the mini statement section. Account Statement will display the history of older transactions upto 365 days.

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If the mobile number updated in your account is the same as the mobile number used in the FedMobile app, you will be able to access and view the details of all SB, OD/CC, Current, and Loan accounts.

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FedBook acts as your digital passbook which can be used to keep a track of your Savings, Current, Overdraft, Loans, and Deposit accounts.

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Tap on ‘View All Accounts’ to view the summary of all your accounts. Now select the desired account shown on the account summary page to view general details related to that account.

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To view Account Summary, Tap on ‘View All Accounts’ button offered under FedBook feature of the FedMobile app.

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Mini Statement is a history of the recent last 10 transactions in your operative accounts. Details of all your transactions can be viewed by tapping on ‘View Full Statement’ in the app.

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Fedbook is a View Only Facility. To be able to make transactions, go to App settings and change the mode of your app to transaction mode.

Note: Transaction mode is permitted based on the scheme of accounts linked in the app. Please contact Federal Bank’s Contact centre at 18004201199/ +91 484 2630995 or your nearest branch for more details.

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FedBook is your Account passbook on your smartphone. The Mini as well as full Statement of your Operative Account is also displayed in the Fedbook section.

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Yes, Navigate to Account Statement Section, tap on the filter icon to apply filter on the transactions. Then input the keyword & tap on search icon. This will give the search results based on both the keyword & the filter.

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Yes, you can search for a particular transaction in the ‘Account Statement’ Section. Input the desired text & click on the search icon to search for any specific transaction.

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Transaction history for operative accounts will be available for the past 180 days and for Deposit/Loan accounts will be available for the past 365 days

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If a service provider listed in FedMobile has not provided the requested service, please contact our customer support for a refund.

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Any amount that is debited for FAILED transactions will be credited back within 48 hours.

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Don’t Worry! The ‘Queued’ transactions will be executed after sometime. Make sure to check the status of the transaction as SUCCESS or FAILED before re-initiating the transaction.

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The maximum transaction limit for a transaction done using Scan N Pay feature is Rs.100,000 per day.

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Don’t worry. All failed UPI transactions are settled on the next working day.

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Transaction Status is displayed on screen immediately after the completion of the transaction. You can also check the status of transaction under the Transactions tab in the application.

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Simple, login to the app, select ‘View Profile’ from the sidebar & then select the option to change to the ‘Default Account.’

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Yes, definitely! To scan the QR saved in your Gallery, tap on on “Gallery” option shown on the top right corner of the QR scanning page. Select the QR code saved in your device and the same will be scanned by the app.

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Your phone’s camera may have trouble scanning the code if the device is not properly aligned to the QR sticker. Make sure it is level with the surface that the code is printed on to ensure proper scanning of the QR Code. Please try turning on the phone flash by tapping on the flash icon under scan and pay feature if there isn’t enough light in the surrounding.

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This error occurs when the QR you are trying to scan is not supported by FedMobile. You will have to scan either Bharat QR (BQR) or UPI QR for making payments using FedMobile

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Yes. FedMobile needs to access your phone camera in order to scan the QR code.

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All users registered for UPI are eligible for UPI QR payments. A separate registration is not requiered for UPI QR payments through FedMobile.

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It is a QR code containing the details of a VPA/UPI ID. The user can make payments by scanning the QR code through the Scan N Pay feature of the mobile app.

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Unified Payments Interface (UPI) is an instant payment system developed by NPCI, an RBI regulated entity, that helps in transferring the funds immediately between two bank accounts through a mobile application. One can link multiple bank accounts into a single mobile application (of any participating bank), merge several banking features, and enjoy seamless fund routing & merchant payments into one hood.

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In case of failure, the debited amount will reflect back in your account within 48 workling hours.

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Transaction Status is displayed on screen immediately after the completion of the transaction. You can also check the status of transaction under the Transactions tab in the application.

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After entering the amount, the payment details screen will appear containing the details of the default debit card. You can use this card for the transaction. In case you have more than one debit card, other cards linked to your operative accounts will also be available for selection. You can then select the required debit card for processing the transaction.

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Yes, offcourse! Tap on “Gallery” option shown on the top right corner of the QR scanning page. Select the QR code saved in your device and the same will be scanned by the app.

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This error occurs when the QR you are trying to scan is not supported by FedMobile. You will have to use either Bharat QR (BQR) or UPI QR for making payments using the FedMobile app.

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Yes, surely. FedMobile needs to access your phone camera to scan the QR code.

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You need not specially register for it. The BQR payments facility is by default enabled for all the Federal Bank account holders having FedMobile app with active debit cards.

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Bharat QR is a P2M (Person to Merchant) mobile payment solution mutually developed by NPCI, Visa and Mastercard payment networks. Once the BQR codes are deployed on Merchant locations, users can make payments using BQR enabled mobile banking apps like FedMobile without sharing any user credentials to the merchant.

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In such cases the amount will be credited to the same account on the next working day(T+1 basis).

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It is because you are entering the amount that is not offered as a plan by your operator. Request you to select a valid recharge amount or visit ‘Browse Plans’ option to get a list of all the valid plans.

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To do a DTH reacharge, tap on ‘Recharge’ on the Home screen and go to DTH recharge. Enter your customer ID & DTH operator. The DTH Operator & Consumer ID entered by you is cross-checked with the operator before initiation of the transaction. Enter the amount and make the payment to complete the transaction.

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In such cases the amount will be credited to the same account on the next working day (T+1 basis).

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It is because you are entering the amount that is not offered as a plan by your operator. Request you to select a valid recharge amount or visit ‘Browse Plans’ option to get a list of all the valid plans.

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Just tap on ‘Recharge’ on the Home screen and go to mobile recharge option, enter your mobile number, select your operator, and add a valid plan. Tap proceed to complete the transaction.

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In such cases the amount will be credited to the same account on the next working day(T+1 basis).

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It is because you are entering the amount that is not offered as a plan by your operator. Request you to select a valid recharge amount or visit ‘Browse Plans’ option to get a list of all the valid plans.

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To do a Data card recharge, tap on ‘Recharge’ on the Home screen, go to Data Card tab, enter your data card number, select your operator and enter recharge amount. Tap proceed to complete the transaction.

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You can find the complete list of Billers by visiting this link- https://www.npci.org.in/live-billers

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Landline, Mobile Postpaid, Broadband Postpaid, Electricity, Gas, Water and DTH. More categories would be added gradually.

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Bharat Bill Payment System (BBPS) is an integrated bill payment system that offers interoperable and accessible bill payment services to customers online as well as through an offline network of agents. The system aims at providing a one-stop platform for all utility bill payments such as Electricity, Telecom (Landline Post-paid, Mobile post-paid and Broad-band Post-paid), Gas, Water and DTH. Gradually, more categories would be included under BBPS in the FedMobile app. BBPS also offers features of multiple payment modes and instant payment confirmations.

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Tap on “Bill Payment” under “Services” section on the Home screen of the app. Select a cateogry of the bill you wish to pay and enter the bill details to pay.

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Currently, automatic bill payment feature is not available

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Bill registration is automatically done by the app when you choose the biller name and provide the bill details. No separate registration is required. Once registered successfully, the app will fetch the bill and display under “Registered Biller” section as soon as the biller generates the bill.

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Yes, you can make partial bill payment if allowed by your biller.

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Currently, the Bank does not charge for paying a bill via the app. For charges related to bill, please read the terms and conditions stated by the biller.

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Tap on “Bill Payment” on the Home screen and choose the category of the biller. Upcoming bills under the selected category will be listed if the biller has generated a bill. The list will be empty if no bills are outstanding with this biller.

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Tap on “Bill Payment” icon on the Home screen, now tap on the small clock icon (Bill History) placed on the top right of the app screen. Choose the transaction for which you wish to generate the invoice and tap on “Get Invoice”. Once invoice is generated, tap on “Share” button at the bottom of the screen and select the channel you wish to share the invoice over.

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Tap on “Bill Payment” icon on the Home screen, tap on the small clock icon (Bill History) placed on the top right of the app screen. Choose the transaction for which you wish to generate the invoice for and tap on “Get Invoice.”

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On successfully completing the payment, a receipt would be generated. You can also share the receipt using different channels after making a successful payment.

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You cannot cancel a bill payment which is already successful. However, you may delete a bill which is registered on FedMobile.

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In case your biller is not yet enabled for collection on BBPS platform, you will not be able to pay using this platform. But if your biller is already enabled and you do not find the biller listed, please write to the Bank with biller details.

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You can check bills for your completed rides in the ‘My Transactions’ section of the Cabs home screen.

Steps to check: Visit the ‘Cabs’ section. tap on the ellipsis (three dots) icon on top right of the screen and select My Transactions.

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Hey, looks like we did not get complete details of this ride from Ola. Please send a screenshot of Ola order receipt along with final bill amount. And, we will end the ride within 48 hours.

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The ride was cancelled by either you or the driver. Hence, the cash back is not applicable.You can always find some exciting coupons and book cabs with us again.

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Once a cab is selected, a dropdown option appears on the booking confirmation page (bottom right corner of the map) with the default payment option. You can change the payment method by clicking on the same.

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Yes, of course. If you have balance in your Ola Money account, it would be used as the default payment method.

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Currently we support Ola money and cash payment modes for Ola rides booked on FedMobile application.

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Please follow the below steps to connect your Ola account

Go to Cab Tile → Select drop location → Select Ola cab → Tap One-time connect with Ola → Connect your Ola account by signing in

If you forgot your login credentials, you can reset your password or use “Forgot Password” option.

If you are unable to login even with correct credentials, please write to support@olacabs.com

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You can check your upcoming, cancelled and completed bookings under ‘My Bookings’ of the Flights feature in the app.

Steps to check: Visit the ‘Flight booking’ section. Tap on the ellipsis (three dots) icon on top right of the screen and select My Bookings.

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We apologise for the inconvenience caused to you. Please write to us with the details of how you were overcharged. We will inform our flight partner about the issue and will try to resolve it at the earliest.

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Got to’My Bookings’ section and open the particular booking you wish to download the e-ticket for.

You will find the option to download the e-ticket at the bottom.

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Please directly get in touch with the airlines for re-scheduling your booking.

Alternatively, you may call our booking partner (Cleartrip) to make a re-schedule request.

Email: support@cleartrip.com

Phone: 9595333333

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Indigo –
“Contact no. – 01246173838

“”URL – https://www.goindigo.in/contact-us.html?linkNav=contact-us_header

Jet Airways
Contact no: 080 3924 3333
URL – https://www.jetairways.com/EN/IN/ContactUs/contact-centre.aspx

SpiceJet
Contact no: 096540 03333
Email Id: custrelations@spicejet.com
URL – http://www.spicejet.com/ContactUs.aspx

Air Asia
Contact no: 08046662222 08067662222
URL – https://support.airasia.com/s/?language=en_GB

Air India
Contact no: 011-24667473
Email Id: call.del@airindia.in
URL: http://www.airindia.in/customer-support.htm

Go Air
Contact no: 09223222111
URL: https://www.goair.in/about-us/contact-us/

Vistara –
Contact no: 9289228888
URL: https://www.airvistara.com/trip/contact-us”””

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We charge a non-refundable convenience fee of Rs. 250 per traveller for one-way bookings and Rs. 400 per traveller for roundtrip bookings. This fee is charged for processing payments and facilitating a seamless booking experience for you.

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Please select the booking you wish to cancel from the upcoming Bookings. Select

‘Cancel Booking’ by tapping on the three dot menu placed at the top right corner.

A popup containing the customer care contact number of our travel partner i.e. ClearTrip will appear. You can raise the request to cancel the desired booking over the call. Your refund will be processed to your respective payment source within 4 working days of successful cancellation.

Alternatively, you can also call our booking partner (ClearTrip) at 095953 33333 to make a cancellation request.

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The flight cancellation charges will include airline cancellation charges and an additional booking partner cancellation fee of Rs. 100 per passenger per flight and a tax of 18% on it.

For airline cancellation charges please refer to the cancellation policy available on the flight booking details page. You can also find out the cancellation charges by speaking to our booking partner on 9595333333.

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Please tap the coupon icon at the top right corner of the flight search screen to view all available coupons for you. Please reach out to our customer support team in case any clarification is required.

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Don’t Worry! You can always download the e-ticket sent to you mail id anytime you want. You can also download the ticket from FedMobile app. To download the e-ticket, tap ‘Bus’ booking on the Home screen-> tap on ‘My Trips’ on the top right corner of the screen-> go to ‘Upcoming’ section-> select the journey-> download the ticket.

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If you missed the bus due to some reason not related to the bank or its booking partner, no refund will be provided to you. But in case you missed the bus due to some reason related to bank or its booking partner’s fault, you will be eligible for the refund as per the TnCs.

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Yes, you need to carry the ID proof at the time of boarding. The ID proof should have the same Name and other details as mentioned while booking the ticket .

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It depends on the bus operator you are choosing to book the ticket. Some bus operator accepts the e-ticket whereas others do not. For those operators who support the e-ticket, you can produce the e-ticket received during the time of boarding itself. For the other operators who do not accept e-tickets, it is mandatory to carry a printout of the e-ticket sent to your e-mail ID at the time of boarding. We recommend our users to carry a printout of the ticket.

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You can download your e-ticket by visiting the ‘My Bookings’ section of the Bus booking feature of the FedMobile app. To download the e-ticket- Tap ‘Bus’ booking on the Home screen-> tap on ‘My Trips’ on the top right corner of the screen-> go to ‘Upcoming’ section-> select the journey-> download the ticket.

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Unfortunately, once the ticket has been booked, you are not allowed to alter any details.

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You can cancel your bus ticket by following the steps described:
1. Tap on ‘Bus’ booking on the Home screen, then tap on ‘My Trips’ at the top right corner of the screen and go to ‘Upcoming’ Tab.
2. Select your journey from the ‘Upcoming’ trips and tap on “Cancel Ticket.”

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Once you cancel your ticket, you can find your the same under ‘My Trips’ section of the Bus Booking feature of the app. To view the cancel ticket, tap on ‘Bus’ booking on the Home screen, tap on ‘My Trips’ on the top right corner of the screen and go to ‘Cancelled’ tab.

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To know, you can read the “Cancellation policy” mentioned in the e-ticket sent to your email id.

For a confirmed booking, the refund amount can be derived on the basis of the cancellation policy.

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The refund will be credited to original payment source within 5 business days after cancellation of the ticket. The refund is made as per the cancellation policy of the ticket.

A:

Partial cancellation is not allowed currently in the application.

Please get in touch with booking partner redbus.
Customer Support No.: 09945600000

A:

You can check your bookings by visiting the ‘My Bookings’ section of the Hotels module.

Steps to check: Visit the Hotels section on the Home page. tap on the ellipsis (three dots) icon on the top right of the screen and select My Bookings.

A:

Please get in touch with our hotel booking partner Cleartrip.
Email: support@cleartrip.com
Phone: 9595333333

Please note that re-scheduling is dependent on the availability at the hotel and hence we cannot guarantee the same.

A:

Please reach out to our booking partner Cleartrip for details –
Contact Number – +91 9595333333

A:

Please reach out to our hotel booking partner Cleartrip to receive confirmation email or SMS.
Email: support@cleartrip.com
Contact:9595333333

A:

Every coupon has different application and reward terms. The coupon you are trying to apply may not be valid for you.

We request you to refer to the terms and conditions of the coupon for more details.

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Please tap the coupon icon at the top right corner of the hotel search screen to view all available coupons for you.

Please write to us in case any clarification is required for a coupon that is not mentioned in the list.

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Cashback is credited within 48 hours of your check-out from the hotel.

Please note that every coupon has different application and reward terms. Kindly refer to the terms of your coupon for more details.

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Please select the booking you wish to cancel from the Upcoming Bookings section of the Hotels module. Select ‘Cancel Booking’ from the ellipsis (three dots) icon on the top right of the page and confirm the cancellation.

Tap the ‘Confirm Cancellation’ button at the bottom to cancel your booking. We request you to read the cancellation policy mentioned on the page before you cancel the booking.

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Cancellation policy is different for every hotel.

For a confirmed booking, the cancellation policy is mentioned on the cancellation screen and charges can be derived on that basis.

A:

The refund will be processed to your payment account within 5 business days.

Please note that the refund will be net of any cancellation charges charged by the hotel / booking partner.

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No, currently auto-reload feature is unavailable with us.

A:

There is no minimum recharge amount.
Maximum recharge amount will be Rs.1,00,000/- if you are a Federal Bank operative account holder, subject to app transactions limits. If you have logged in as a wallet, PG or UPI user without a Federal Bank account, maximum value at any point in your FASTag account shall not exceed Rs.10,000/-.

A:

To share the invoice, Tap on “FASTag” icon on the Home screen, tap on “History” (clock icon) placed on the top right section on the screen. Choose the transaction for which you wish to generate the invoice and tap on “Get Invoice”. Once the invoice is generated tap on “Share” text at the bottom of the screen and pick the channel you wish to share the invoice over.

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Yes, you can recharge a tag issued to another person. However, the tag you wish to recharge should also be issued by Federal Bank.

A:

Select “FASTag” option on the Home screen and tap on “History”(clock icon) on the top right corner of the screen to access the history.

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To reload your FASTag, select “FASTag” option on the Home screen and tap on “Recharge” tab. Enter the mobile number to which the tag is issued to and enter the amount. Tap on ‘Proceed’ and provide MPIN to recharge the tag.

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To get a new Fastag, tap on “FASTag” icon on the Home screen, choose “New FASTag”. Enter all details and upload necessary documents and submit. Bank will process your application offline and dispatch your tag to the delivery address mentioned during submission of application. Please note that your tag will be issued in inactive status, which on receipt can be activated by tapping the “Activate” button under “My FASTag” tab.

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FASTag is a simple to use, reloadable tag which enables automatic deduction of toll charges and lets you pass through the toll plaza without stopping for the cash transaction. FASTag is linked to a prepaid account from which the applicable toll amount is deducted. The tag employs Radio-frequency Identification (RFID) technology and is affixed on the vehicle’s windscreen after the tag account is active.

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Once approved and tag is dispatched, you should receive the tag in 5-7 days. To check status, please call 1800 425 1199.

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Tap on “Help” icon on the top right corner on the Home screen, select “FASTag” category. The FAQs might help address your issue, if not, click on “Raise a Ticket” and submit your issue to the Bank.

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5 years

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On successful verification of tag, you may expect the tag kit to reach you within 5-7 days

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For vehicle class of VC4 (Car or SUV or MINI LCV):
Tag issuance cost is Rs.100.
Security deposit of Rs.200, refunded on surrender of tag
Minimum balance to be maintained is Rs.200

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Currently, you will be able to apply for new FASTag on the app for Car or SUV or MINI LCV.
If you wish to purchase a FASTag for any other vehicle, please visit https://netcFASTag.federalbank.co.in/

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Personal KYC document – Passport or PAN Card or Aadhaar Card
Vehicle document – Registration Certificate of the vehicle
Photos of the vehicle
Exemption Certificate (if selected)

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Yes, you can purchase a tag for used vehicles.

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Tap on “FASTag” icon on the home screen and under “My FASTag” tab, use the “Re-issue” button to reissue a tag.

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You may visit any branch of Federal Bank to surrender your tag.

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Tap on “FASTag” icon on the Home screen and under “My FASTag” tab, use the “Re-issue” button to reissue a tag.

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Tap on “FASTag” icon on the home screen and you will find details about your tag under “My FASTag” tab

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Tap on “FASTag” icon on the home screen and you will find details about your tag under “My FASTag” tab

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Select “Bill Payment” icon on the home screen, tap on the “History” (clock icon ) placed on the top right section on the screen. You can view your toll payments under the “Toll Payments” tab.

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The gift card you purchase is valid for a period of 1 year from the date of purchase.

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Yes. Once you have made a successful payment, tap on “Share” button & select the channel you wish to share the details over to the beneficiary.

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Yes. Tap on “Gift Card” on the Home screen, tap on the small ‘Clock’ icon aka ‘history icon’ on the top right section of the screen. Select the transaction for which you wish to generate an invoice & tap on “Get invoice” to download.

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Maximum gift amount is Rs.10,000.

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Minimum gift amount is Rs.100.

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No, currently this facility is only available to the customers having active operative savings account with Federal Bank.

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Once a gift card is purchased, we will send SMS & Email notifying the beneficiary about the gift card purchased by you, along with a URL to a webportal & User Id to login. The beneficiary can login to the portal to redeem the gift of his/ her choice.

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Gift card is one of the best options to surprise your near and dear ones with gift balance of your choice. Once purchased, we will, on your behalf, deliver the gift message to the beneficiary. The beneficiary gets to pick the gift of their choice from a wide range of options available with us.

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Need not worry. You can again share the gift card with the beneficiary; tap on the “Gift Card” option on the home screen, tap on the history icon in the top right section of the screen, choose the transaction, tap on “View Details” and tap on the “Share” button.

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Beneficiary may choose between the following:
Federal Virutal Gift card, which can be used for online ecommerce spends
or
Brand vouchers issued by merchants like BookMyShow, Amazon, etc.

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Forex card can be used in any country except India, Nepal or Bhutan.

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Forex card can be used to withdraw local currency at 1.9 million ATM’s World Wide. Our forex card is accepted by 29 million Retailers & Online traders globally.

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Validity of your Forex Card will be mentioned on your card as “Expiry Date”.

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Forex card is a multicurrency prepaid physical card issued to persons travelling outside India. The card can be loaded with 8 different foreign currencies and used for all travel purposes abroad.

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Once the application is submitted on FedMobile, you will have to visit the branch you selected when you submitted the application, to complete original document verification and collect the card in person.

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You can avail only one forex card at any given point in time. If you have already surrendered the card, you can re-apply for a new forex card on need basis.

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Federal Bank’s multicurrency forex card supports 8 foreign currencies, namely US Dollar, Pound Sterling, Euro, Saudi Riyal, UAE Dirham, Canadian Dollar, Australian Dollar & Singapore Dollar.

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The documents required are- Valid passport, PAN Card & Visa. The digital image of the documents have to be uploaded in FedMobile and original physical documents to be produced to the bank officials during your visit to the branch for completing in-person verification.

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To apply for a new Forex card, tap on “Forex Card” option on the Home screen. Enter the details, upload necessary documents and submit your application. Visit the branch you had selected to complete in-person verification and collect your forex card.

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Yes, you can. Tap on “Forex Card” icon on the Home screen of the app, enter your 16 digit forex card number and select “Reload” option. Enter the details & instantly reload card.

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Yes, once reloaded balance of your card will be automatically updated instantly

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At any given point in time, you will be able load your forex card with maximum of 6 currencies. If you wish to load a 7th currency, you will have unload one of the existing currency on your forex card. To unload a currency, please visit your nearest Federal Bank branch.

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To surrender, you will have to visit your nearest Federal Bank branch, preferably the branch from where you had collected the card.

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To surrender, you will have to visit your nearest Federal Bank branch, preferably the branch from where you had collected the card.

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In case you lose the primary forex card or the card is damaged, the paired card will come handy.

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Visit the card holder portal & login using credentials provided to you during the time of issuance of card kit. On the portal, you will be able to activate your paired card.

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Yes, you can. Tap on “Forex Card” icon on the Home screen of the app and select “Block Card” option.

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As per Reserve Bank of India (RBI) regulations, under the Liberalised Remittance Scheme (LRS), Authorised Dealers may freely allow remittances by resident individuals up to USD 250,000 per Financial Year (April-March) for any permitted current or capital account transaction or a combination of both.

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Your credit card bill payments are processed via NEFT and as such, all card issuers supporting payments via NEFT are allowed in Fedmobile.

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Currently, you cannot check your credit card bill amount as we do not share or fetch your details from any third party. You are free to make any payment you wish to.

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Yes. Your data is secure with us. Only your card number and bill due date, if entered, are saved. We do not collect other details like CVV or Expiry date.

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Yes. For convenience in subsequent bill payments, your card number and bank details are saved.

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Your credit card bill is processed via NEFT by transferring the amount to your Card issuer’s bank with your card number as account number. NEFT bill payments are widely accepted with often faster settlement times than cheque payments and a few other online payment methods.

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The eligibility criteria for the Federal SBI Credit Card are periodically determined by SBI Card and Federal Bank. You will only be shown an option to apply if you are eligible for a card.

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After you have submitted your credit card application, an option showing the status of the same will be available in the “Credit Card” feature of the app.

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No, you do not need to submit any documents while applying for a Credit Card through Fedmobile. Any additional documents that may be required for processing your application would be collected separately by the SBI Card Team. They will contact you accordingly.

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The option to apply for a Federal SBI Credit Card is available to eligible customers as determined by SBI Cards and Federal Bank. You may easily apply for a credit card by submitting the required details using the ‘Apply Credit Card’ option. Please note that this option will only be enabled if you are eligible for the offer.

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If the fee is paid by direct transfer from your Federal Bank account, then refund will be processed in realtime. For Upi payments, refund will be initiated on next working day.

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School Fee payment made using FedMobile will get reflected in school account on the same day itself. However the details about fee paid (such as student ID, amount paid, term etc) is sent to school only on next working day.

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Search option to find the schools enabled for online payment is provided in the Efee. You can either search using city name or school name.

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Most of the schools provide break up of total fees amount to the bank whereas some schools only share the total amount. Break up of the fee amount is shown to users before the payment (if the details are available with bank). In all remaining cases, user needs to collect break up of the fee details from school itself.

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Fee paid receipt can be generated immediately after making the payment by using Generate Invoice option available in transaction confirmation page. Receipt can also be generated any time after making the payment from Fee payment history.

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History of fee payments done using FedMobile can be accessed using History icon on the top right corner of the screen.

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No bank charges are applicable for school fee payments using FedMobile app.

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Please navigate to Efee option on homescreen, enter student ID and save to add the student profile.

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Please navigate to School fees option on the Home screen, select the student ID you wish to delete, tap on the more option (3 dots), select delete and confirm to delete the student ID.

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Schools can be filtered using City name. All the cities where we have fee collection arrangement will be listed in the app. Once user just selects the city of choice, all the schools/colleges in that city having fee collection arrangement with Federal bank will be listed.

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Student ID can be searched in the “Find Student ID” option using Student Name, Class/Division and parents name.

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Fees due amount is automatically displayed based on the school name & student Id selected by you.

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After the due date, system will calculate late fee as per the logic shared by the school and add it to the fee due amount for the month/term. You can pay the same using the Efee feature in the FedMobile app.

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All the fees due for the current academic year will be automaticaly listed. Fees falling due first needs to be paid first, i.e., fees for second term can be paid only after paying fee for the Term 1.

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Student ID is mandatory for paying fees through FedMobile. If student ID is not known, you can search for the same using Student Name, Class/Division and/or Parents name.

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School/College fees can be paid through Efee option available under Services in Home Page.

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Student ID is the unique ID of the student allotted by the school authorities which uniquely distinguish that student from others.

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The payment will be reflected realtime.

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The limit is same as your quick pay limit for FedMobile.

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Refunds take palace T+1 basis.

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You can find it in the religious offerings menu by selecting the history icon on the top right corner of the screen.

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Payment status can be viewed in the transactions tab on the Home screen of the FedMobile app.

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You cannot cancel a payment after the payment is complete.

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If the transaction status shows success, it means that the donation has been made.

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You can download the receipt in religious offering tab-> history section.

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No, wallet amount cannnot be used for making donations.

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You will be able to find this list in ‘Religious Donation’ tab on Homescreen->All services

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Navigate to ‘Religious Donation’ tab on Home screen->All services, select the institution where you want to donate, enter the amount and complete the payment to donate.

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A notification is displayed on Login to update KYC when your KYC expires. A label will be shown in the Profile section of the app until the details are updated. Tapping on the label will take you to a webpage where the necessary documents can be uploaded to update KYC.

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To view cheques in clearing, tap the sidebar on the Home screen, go to “Cheque Clearings”. Tap on it to view the details of cheques which you have issued to others & are presented for clearing.

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In the sidebar, an option for “App Language” is displayed. Tap on it to see the list of languages avaliable for the application. You can change the app’s default language from there.

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To change the default account, tap the sidebar, and go to “View Profile” section. You will find Default Account under this section. Tap on ‘Default Account’ to see the list of Operative accounts that can be set as default.

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To view all the nomaniees link to your account- tap on the sidebar icon on the app, go to view profile, tap on the ‘Nominees’ button. You can then see the list of all the nominees.

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Customer ID can be viewed by visiting the profile. To view customer ID tap on the side bar, and go to view profile. you will find your customer ID below your name and mobile number.

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To share your QR code, tap on ‘BHIM UPI’ on the Home screen to see the UPI QR. you will find the option to share the QR from this page.

Alternately, you can also share the QR by navigating to your profile. You can access the profile section from the sidebar. Tap the “View Profile” button and you will see the QR icon in the right top corner of the screen. When you tap on that QR icon you will see the download and share option.

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After submission of the request to modify email ID, a verification link will be triggered to the new email address. User has to click the verification link to complete the email id modification request.
The Verify button is shown when this step is pending.

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On the app sidebar, tap “View Profile” & then go to “Personal Details” tab. Option to edit email ID is available there. When the mail ID is modified, an email will be triggered to the new email address. User has to click the verification link to complete the email id modification request.

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Tap on ‘BHIM UPI’ on the Home screen and go to Manage Accounts section & tap on any Other Bank Account which is linked to the VPA. Choose the Change UPI PIN option & Enter the Old PIN & the New PIN to update.

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The default VPA linked to the application is your mobilenumber@federal & this default VPA cannot be changed.

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To view all the VPAs linked to your account, tap on the sidebar option, go to ‘UPI Settings’ and tap on Manage UPI ID.

You can also tap on ‘BHIM UPI’ on the Home screen and go to “Manage UPI ID” to view all the VPA’s linked to your mobile number in the app.

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Tap on “App Settings” offered under the sidebar, go to “Manage Limits”. Quick Pay Limits for transactions inside the application is displayed here. You can set the limits between Rs.5000/- & Rs.1,00,000/-

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The option to add/modify or remove the fingerprint/Face ID will be availabe inside the Settings of your Phone. For enhanced security, please ensure that the details added belong to you only & not to other person who may gain access to your app.

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No. This feature is available only for login to the application. Transactions will be authenticated only using the PIN.

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Fingerprint Login is avaliable across all supported Android & iOS devices.
Face ID Login is available only for iOS devices iPhone X and above (Devices for which fingerprint sensor is not available)

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Select “App Settings” from the sidebar. Click on “Manage Login” to access the option to ON/OFF Biometric Login.

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Tap on “App Settings” offered under the sidebar, go to “Manage Login”. The option to change MPIN is available in this section. Tap on change MPIN, enter the existing MPIN, enter new MPIN & then re-enter the new PIN to confirm the changed MPIN

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“Transaction Mode” in Fedmobile is eligible only for users having single Customer ID linked to registered mobile number.

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To make a switch from view mode to Transaction mode, tap on sidebar on the Home screen and go to “App Settings” and tap on ” Transaction Mode.” You will be asked to perform verification process usingy your Debit Card/FEDNET or Branch Token. After performing these steps, you can now enjoy using the app in transaction mode.

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Security Question & its answer given by you during the first time of activation of the app can be modified/updated from Manage Login section of the app.

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While following the activation process, you are asked to provide a security question & its answer. This security question can be used to RESET the MPIN in case you forget the MPIN or the MPIN gets locked due to multiple failed login attempts.

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If the Estimated Income is exceeding the permitted slab, you may go to the 15G/H section & deregister the registration.
During the time of deposit Opening, if you are prompted to de-register 15G/H, then also the de-registration is required before going ahead & opening the deposit.

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1)Any Resident Individual above 60 years and any time during the year but below the age of 80 years with annual income below 5L
1)Any Resident Individual
80 years or above at any time during the year annual income below 5L

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Any Resident Individual & below 60 years of age with Annual Income below 5L.

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Any false or wrong declaration attracts prosecution under section 277, which include rigorous imprisonment from 3 months to 7 years. Taxpayer can be penalized with rigorous imprisonment irrespective of fact that such wrong details were furnished intentionally or unintentionally as “Ignorance of Law is no excuse”.

In case you have submitted the same by mistake, you may de-register the same form 15G/H section.

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The details entered by you for the PAN Number & Date of Birth were cross-checked with the data available in bank records. There seems to be a mismatch & hence the same needs to be corrected in the bank records before filing 15G/H. Hence the message.

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This declaration can be submitted only if the estimated income from all sources is less than or equal to the basic exemption limit shown as per the guidelines from Income Tax Department. A Permanent Account Number (PAN) is mandatory for the customer to submit the15G/H Form.

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Form 15G/15H is a self-declaration, which can be submitted by a person residing in India (not being a Company or Firm or Co-operative society) to their Bank for non-deduction of Tax at source for the interest received on Term Deposits (Fixed Deposit ,Cash Certificate & Recurring Deposit) from the Bank.

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To register, tap on ‘Sidebar’ on the Home screen, go to ‘Service Requests’ and tap on 15G/H. Enter the details asked and proceed.

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Deposit & Loan Interest Certifiactes can be generated for custom Periods.
Balance Confirmation is generated as on a selected date & TDS certificate is generated for a Financial Year.

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To generate Balance Confiormation certificate, tap on ‘Sidebar’ on the Home screen, goto ‘Service Requests’, select certificates, tap on Balance Confirmation certificates. Choose the linked account and the date and tap on Download.

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To generate TDS certificate, tap on ‘Sidebar’ on the Home screen, goto ‘Service Requests’, select certificates, tap on TDS certificates. Choose the assessment year and quarter loan type and tap on Download.

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To generate deposit certificate, tap on ‘Sidebar’ on the Home screen, go to ‘Service Requests’, select certificates, tap on deposit certificates. Choose a time period and tap on Download.

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To generate loan certificate, tap on ‘Sidebar’ on the Home screen, go to ‘Service Requests’, select certificates, tap on loan certificates. Choose the loan type and tap on proceed.

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Details of the requested chequebook will be available in Cheque Book request section & the tracking number will be shown after the item is dispached.

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To place a cheque book request, tap on ‘Sidebar’ on the Home screen, go to ‘Service Requests’, and select ‘Cheque Book Request’ option. Choose the account, delivery option, enter th enumber of leaves and tap on submit.

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Account Summary page has the details of all your accounts. Tap on the desired account & download the statement.

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No. This option is not avilable in FedMobile app at present.

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No, This feature is not available in FedMobile app at present.

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No. This option is not available in the FedMobile app at the moment. An SMS with the tracking number will be sent to your registered mobile number once the card is dispatched from the Bank.

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You can permanantly block the debit card using ‘Block Card’ option in Fedmobile. Then place a request for issuance of a new card through FEDNET or through the branch.

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No, New Card isuance is not available in FedMobile at present.

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No, this feature is enabled only for a Transaction User of the app.

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YES. A PIN can be set for a fresh card that is listed in the application.

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No, a card which is permanantly blocked cannot be unblocked.

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The request for the card ON/OFF service is placed with central ATM Switch. So, when the request is processed, you will recieve a SMS intimating about the status of the card.

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Yes. Card ON/OFF is a service request that can be placed 24*7 irrespective of bank holidays.

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Card Management in the side bar menu on the Home screen will display all the debit cards linked to your operative accounts in the app.

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Yes, you can. However, you will only be able to view your account and not operate and neither can you use other features. If you wish to access all features in the app, open a savings account instantly from within the app, without having to visit the branch.

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You can view your account statement in ‘FedBook’ for each of your accounts. You can also download/email the statement by tapping on ‘view full statement’ and selecting the ‘get statement’ option in the menu.

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Yes, NRI customers can also use this app.

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You should immediately call Federal Bank’s Contact center at 18004201199/ +91 484 2630995 to block the App usage in your mobile number.

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First you need to update the new mobile number using your ATM Card/FEDNET or by visiting your branch . Then you can use the application using the new mobile number.

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FedMobile is a complete banking and payment solution, so one can use the app to transfer funds, pay bills, do recharges, apply FAStag, perform banking services online and much more while sitting home without wasting time.

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Yes, but certain features would be restricted for you, those which are only availabe for a Federal Bank customer. We recommend all customers to open an account with Federal Bank to access all the features.

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Don’t Worry! You will not lose any data. All the details will reflect as it is.

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Not required, just update the app from Google Play Store or Apple App Store and continue login using the old MPIN.

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Updated FedMobile is not replacing any app but a combination of old FedMobile, FedBook and the UPI app, i.e., Lotza.

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The new user needs to select “Register” option in the login page when he runs the app for the first time after installation.

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Please make sure that you are downloading the app from the trusted original stores like Google Playstore and Apple Appstore.

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All savings accounts in single name (Individual), joint accounts (with operation as either or survivor) and HUF.

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The new FedMobile app is available to download from Google Play Store and Apple App Store. You can also invite your friends to download the app by using the Send Money feature in the application and enjoy availing banking and payments services from home.