Introduction
In today’s digital age, mobile banking has become an essential service for managing finances conveniently. One such service is Cellfin, a digital wallet offered by Islamic Bank Bangladesh Limited (IBBL). This guide will walk you through the process of creating a Cellfin account, exploring its features, benefits, and addressing common queries to help you get started seamlessly.
What is Cellfin?
Cellfin is a mobile banking application developed by Islamic Bank Bangladesh Limited (IBBL). It serves as a digital wallet, allowing users to perform various banking transactions from their mobile phones. With Cellfin, you can access a range of services similar to other mobile banking platforms like Bkash, including money transfers, bill payments, and account management.
Features of Cellfin
- Account Management: Check your balance, view statements, and manage your account details.
- Money Transfers: Transfer money between Cellfin accounts and to other bank accounts.
- Bill Payments: Pay utility bills, internet charges, and other services directly from the app.
- Mobile Recharge: Top up your mobile balance with ease.
- Remittance Services: Receive and manage remittances through the app.
- Security: Offers robust security features including OTP (One-Time Password) for transactions.
Requirements for Creating a Cellfin Account
To create a Cellfin account, you will need:
- Minimum Age: You must be at least 18 years old.
- National Identification: A valid NID card (National Identification Card) is required.
- Active Mobile SIM: A functional mobile SIM card must be in use.
- Smartphone: A smartphone compatible with the Cellfin app is needed.
Step-by-Step Guide to Creating a Cellfin Account
- Download the Cellfin App: Visit the Google Play Store or Apple App Store and search for “Cellfin” to download the app.
- Install and Open the App: After downloading, install the app and open it on your smartphone.
- Start Registration: Click on the “Registration” button to begin the account creation process.
- Enter Mobile Number: Provide a valid mobile number that will be used for account verification and communication.
- Verify Your Number: You will receive a One-Time Password (OTP) on your mobile number. Enter this OTP in the app to verify your number.
- Upload Documents: Take and upload clear images of the front and back of your NID card as part of the verification process.
- Fill in Personal Information: Enter your personal details as requested in the app.
- Submit and Wait for Activation: Click on the “Submit” button. Your information will be reviewed, and your account will be activated typically within 24 hours, though it may take slightly longer in some cases.
Using Your Cellfin Account
Once your Cellfin account is activated, you can start using it for various transactions:
- Mobile Banking Services: Perform transactions such as checking account balance and viewing statements.
- Payment Gateway Services: Make payments for services and products directly from the app.
- Cash In/Out: Add or withdraw cash from your account using Cellfin-enabled agents or ATMs.
- Online Shopping: Use your Cellfin account for online purchases where Cellfin is accepted.
Managing Your Cellfin Account
Account Deactivation
While Cellfin does not offer a direct option to delete your account, you can deactivate it if needed. This feature prevents unauthorized access but retains your account information in case you wish to reactivate it later.
Changing Your Cellfin Number
To change your Cellfin number:
- Contact Customer Support: Call Cellfin’s customer support at 16259.
- Request Number Change: Provide the necessary details and request a number change.
Cellfin Charges and Fees
Understanding the charges associated with Cellfin transactions is crucial. Here is a breakdown of common fees:
Transaction Type | Charge |
Cellfin Balance Inquiry | Free |
Add Money from IBBL Account or Debit Card | Free |
Add Money from IBBL Credit Card | 0.7% + VAT |
Add Money from Other Banks | 2% |
Add Money from mCash | 1% |
Transfer to Other Cellfin Accounts | Free |
Bank-to-Bank Transfer | 5 BDT |
Fund Transfer (NPSB) | 0.0003% (up to 100 BDT) |
Fund Transfer (EFT) | 0.0003% (up to 100 BDT) |
ATM Withdrawals | Free |
Remittance Receiving | Free |
Payments | Free |
Withdrawing Money from Cellfin
To withdraw money from your Cellfin account:
- Open the Cellfin App: Launch the app on your smartphone.
- Select Withdrawal Option: Choose the “Withdraw Money” option.
- Choose Account and Amount: Select the account and enter the amount to withdraw.
- Enter PIN: Input your PIN for authorization.
- Scan Barcode: A barcode will be generated. Scan it at a Cellfin-enabled ATM or booth to complete the transaction.
Conclusion
Creating and using a Cellfin account offers a convenient way to manage your finances directly from your smartphone. With its range of features and services, Cellfin provides an efficient mobile banking solution for users of Islamic Bank Bangladesh Limited. By following the steps outlined in this guide, you can set up and utilize your Cellfin account with ease. For any additional queries or support, Cellfin’s customer service is readily available to assist you.
We hope this guide has been helpful in understanding how to create and use a Cellfin account. For more updates and information, stay tuned to our website.