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KBL-SmartZ is a mobile application [App] for all transaction needs, which facilitates Bank's customers to add own and other Bank accounts linked to his/her registered mobile number and initiate payment and collect fund transfer request based on virtual ID,Aadhar number,Bank account number with IFSC code,mobilenumber with MMID.

With KBL-SmartZ you can;

  • Link any of your other Bank Account which is linked to your registered mobile number with valid Debit card
  • Need not to be a KBL Customer
  • Can initiate Money Collection request
  • Can View your Other Bank Account Balance and can initiate Fund transfer
  • Can initiate fund transfer using Aadhaar Number, Virtual Address, Account Number & Indian Financial System code (IFSC), Mobile Number & MMID (Mobile Money Identifier).

Unique features of KBL SMARTz

  • Push & Pull Payments
  • Single Click two factor authentication
  • Customers can pay using multiple identifiers- Account No.& IFS Code, Mobile No. & MMID, Aadhhar No. or Virtual Address.
  • Virtual Address-Virtual address as a payment identifier for sending and collecting money.(e.g. NRR@kbl)
  • One App for all transaction needs
  • Moving towards less cash society
  • Innovation,Interoperability & scalability

Download from

Download User Manual  Click here

How to use KBL-SmartZ(Currently supported for Andriod devices with Internet enabled on primary SIM slot)


  • Andriod Mobile device/smartphone (4.0-Ice cream Sandwich & above ) with GPRS enabled (preferable Network 3G/4G/2G)
  • The SIM of Registered Mobile number with the Bank where the account is held should be in primary SIM Slot in case of dual SIM Mobile devices.
  • Mobile Number should be registered with Bank for receving Transaction SMS Alerts
  • Should have a Valid Debit card

To View KBL-SMARTz Frequently Asked Questions (FAQ) Click here

Registration process:

  • Customers who are acount holder of our Bank or Account holder of UPI Participating Other Banks can download the KBL-SmartZ app from Google play Store.
  • After successful download and install of KBL-UPI app,the app prompts for authorising to sending sms for identifyig the registered mobile number with the Bank and for mobile device fingerprinting binding,On successful, registered Mobilenumber is displayed to the customer creates his/ her profile by entering details like name, virtual id (payment address), password etc.
  • What is Virtual Id?- Virtual Id is a unique identifier replacing of your Bank account number in furture for fund transfers/payments.It should be identifyable with your account number and can be alphanumeric without any special characters (ex:can be combination of shortform of your name,branchname,cityname,numbers related to your present account number)
  • Customer profile is created successfully.
  • In order to transact, customer has to go to option of "Add Bank Account".
  • In the next screen, customer has to select "Bank Name" from drop list down provided.
  • After selecting the bank, customer will get account linked to that particular mobile number in the next screen.
  • Customer will select the account number which he/she wish to add (should be linked to Valid debit card.)
  • After selecting A/c No, the same will get added in the profile.
  • Same steps can be followed for adding listed other Bank accounts linked the registered mobilenumber.
  • Generating MPIN for the transaction:

  • In order to transact, customer need to generate the M-Pin (MPIN is different from the PIN used for opining the KBL-SmartZ app).
  • Customer selects the bank account for which he/she wants to initiate the transaction
  • Customer has to select Register MBanking/Set UPI Credentails option
  • On selection on the abocve option Debit card details screen is displayed.
  • Customer will now enters last 6 digit of Debit card number and expiry date.
  • Customer will now receive OTP on his/her registered mobile number
  • Customer will enter OTP along with MPIN of his/her choice on NPCI Library screen and click submit.
  • customer gets notification (successful or decline)
  • How to perform Payment Transaction

    PUSH : sending money using virtual address

  • Customer logs in to Bank’s UPI application
  • After successful login, customer clicks on Added Account number (tab to more options) and click on Payment option
  • Customer enters beneficiary’s / Payee virtual id, amount and account to be debited
  • Customer gets confirmation screen to review the payment details and clicks on Confirm
  • Customer now enters MPIN to authenticate the transaction
  • Customer gets successful or decline message for the transaction.
  • App notification for success/failure will be received
  • Transaction SMS will be sent from the Bank on sucessful transaction
  • PULL: Collection request

  • Customer logs in to his bank’s KBL-SmartZ application
  • After successful login, customer clicks on on Added Account number (tab to more options) and click on Collcection option
  • Customer enters remitters / payers virtual id, amount and account to be credited
  • Customer can set the expiry period for the collect request authorisation by the remitter (default 30 mintures - 1 day)
  • Customer gets confirmation screen to review the payment details and clicks on confirm
  • The payer will get the notification on his mobile for request money
  • Payer now opens his banks UPI app where he/she reviews payment request by clicking on Collect authorization option
  • Payer then decides to click on accept or decline
  • In case of accept payment, payer will enter M-PIN to authorise the transaction
  • Transaction complete, payer gets successful or decline transaction notification
  • Payee / Requester gets notification and SMS from bank for credit of his bank account
  • Balance enquiry

  • Customer logs in to his bank’s KBL-SmartZ application
  • After successful login, customer clicks on on Added Account number (tab to more options) and click on Balance enqiry option
  • Name,linked virtual address and masked account number will be displayed
  • customer has to click on refresh button to get the latest Account balance
  • Customers has to enter mpin and successful validation latest Account balance is updated.
  • Transsaction status:

  • Customer logs in to his bank’s KBL-SmartZ application
  • After successful login, customer clicks on Transaction status option
  • Customer can view transaction status by slecting the data range.
  • Customer can raise query on the transaction status if any.
  • To View KBL-SMARTz Terms and Conditions Click here

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