Yes.

To avoid any unauthorized access, we store the DEVICE ID of your mobile upon first login hence Salapa Smart cannot be used if the mobile device is changed or system is upgraded. In order to use Salapa Smart from new device either you need request the Bank to reset your device or self reset your device by clicking “Reset Device” option in the app.

No, you cannot use Salapa Smart.

As per the security policy of the bank, the PIN/password of Salapa Smart expires on every 90 days in order to force customers to change their PIN/Password periodically. In the SMS mode, you need to go the Setting and change the PIN. Similarly for the password, you need to login with the existing password in the GPRS mode and then you need to change the password with the old password as the current existing password and the new password means the password which you intend to set.

A few things that you as a customer should keep in mind while using Salapa Smart are: 1. The secrecy of your PIN is your responsibility. Please do not share it with others. It is highly recommended that you memorize it and delete it immediately from your message inbox. 2. You need to avoid of using public wifi to access Salapa Smart. 3. Always use mobile banking apps available for your phone as the originating SMS will be encrypted when used with these apps. Always use the PlayStore for Androids and Apple app store to download the apps. 4. Change your Password/PIN on a regular basis. 5. In case your phone gets lost, please contact us immediately to block the service.

Please check SBBL website for the Charges.

Yes only using email

If you are stuck at any point, please call our support Centre at Diktel, Khotang from 9:30 A.M to 5 P.M or send an email at [email protected]

To deactivate the service, you need to contact the branch and submit written application. Branch will then proceed accordingly.

You can self-reset password by clicking on "Forgot Password" option. Then, enter mobile number, account number and Date of birth, once matched successfully, OTP will be delivered to your mobile, enter OTP and then set up new Login password and Transaction Pin.

Enrolling in Salapa Smart is straightforward. Simply download the app from the relevant app store or play store. Follow the on-screen instructions to register. You will need to set up your login password and transaction PIN during the registration process. This ensures a secure and personalized banking experience.

Login Password: This is a unique, alphanumeric password used to authenticate your identity during the login process on your smartphone or PC. It must be 8-15 characters long. Transaction PIN: A 4-digit code used specifically for authorizing monetary transactions. It ensures that only you can approve financial activities within your account.

One Time Password (OTP) is an added security measure designed to protect your account from online fraud. An OTP is a temporary code sent to your mobile phone via SMS before you can complete transactions or fund transfers. The OTP is valid for a short period, usually 3 minutes, and must be entered promptly to proceed. Never share your OTP with anyone, including individuals claiming to be bank officials.

Yes, However for transaction below NPR 500, SMS isn't sent.

After 3 times

You can access the bank’s financial reports through its official website by following these steps: 1. Visit the bank’s official website and navigate to the “Publications” section. 2. Select the “Investor Relations” page. 3. Choose the relevant fiscal year to view or download the published annual and quarterly financial reports.

Financial reports are prepared on a monthly, quarterly, and annual basis to ensure timely monitoring of the bank’s financial performance and compliance with regulatory requirements, including those set by Nepal Rastra Bank.

Yes, late fees apply if payments are missed.

Interest is charged based on the overdue balance and number of days delayed.

In some cases, penalties may be waived upon request and approval and appliers' situation.

Yes, early settlement is allowed; may terms and condition applies.

Yes, it may be offered based on your situation and changed repayment capacity.

It may be possible after review and approval and if there no due amount.

Yes, legal action may be taken if payments are not made and if it is willful.

This depends on bank policy, usually after continuous missed payments and it is normally after a year.

By clearing dues or settling the account; timing depends on the case.

Usually ID, payment proof, and settlement/clearance documents.

Through phone, email, or by visiting the branch.

Yes, you can request to speak with an officer even you can directly visit at office.

After full payment, you can request it from the bank or related department.

Yes, after clearing dues and approval.

Yes, once your account is regularized/active, services may resume.

 To assess repayment capacity  To review financial condition  To verify collateral value  To evaluate creditworthiness  To support responsible lending decisions

 Yes, a loan application may be rejected due to:  High-risk assessment  Incomplete documentation  Repayment concerns  Legal or compliance issues  Policy non-compliance

 Yes, in certain cases for:  Verification purposes  Clarification of information  Additional document requests  Compliance checks

 Yes. Customers may contact:  Branch office  Relationship Manager  Risk Department  Customer Service Team  Contact Information

 Official Bank Contact Center  Risk Department  Nearest Branch Office

AML/CFT stands for Anti-Money Laundering and Combating the Financing of Terrorism. It refers to laws, regulations, and procedures designed to prevent illegal funds from entering the financial system and to stop the financing of terrorist activities.

AML/CFT compliance helps ensure a safe and secure banking environment. It protects customers from fraud, financial crime, and misuse of banking services while maintaining trust in the financial system.

KYC (Know Your Customer) is the process of verifying a customer’s identity. Customers are required to submit valid identification and other relevant documents to help the bank understand their financial profile and prevent misuse of accounts.

Yes. The bank maintains strict confidentiality of customer information and uses it only for regulatory and compliance purposes, in line with applicable laws and guidelines

You can open a new account by visiting your nearest branch with a valid ID (citizenship, NID or passport), passport-sized photos, and the required initial deposit. You will need to fill out an account opening form.

Yes, the bank provides mobile banking services. You can use it to check your balance, transfer funds, and pay bills. Please visit the branch to activate the service.

Yes, the bank provides mobile banking services. You can use it to check your balance, transfer funds, and pay bills. Please visit the branch to activate the service.

Yes, the bank provides ATM/debit card services. You can withdraw cash and perform basic transactions using ATMs.