NIB Fastlink

 

1.0 Introduction

The NIB fastlink Service, provides a mobile commerce platform that allows the Bank to provide its customers with the flexibility and convenience of managing their finances anytime and anywhere.

This service will be operated using the Unstructured Supplementary Service Data (USSD) medium, allowing customers to access the service without the need for internet access or mobile airtime.

 

2.0 What Is Unstructured Supplementary Service Data (USSD)?

USSD is a feature that is available in GSM phones. Unlike SMS which uses a “store and forward” technique to deliver text messages, USSD uses a real-time “session” to deliver information directly from a sender’s mobile handset.

This session is established between the mobile user and the USSD application platform when the service is invoked. This allows data to be sent back and forth between the two entities until the USSD service is completed.

 

3.0 NIB Shortcode *710#

The shortcode allocated for this service is 710. The service can be accessed by always beginning the shortcode with * and end with # (i.e. *710#). 

 

Mobile Handset​

USSD Application Platform

User dials *710#

Welcome to NIB fastlink 
================== 
Select an option below to enjoy better convenience.

  • Activate Service
  • Continue

 

Welcome to NIB fastlink 
==================

  • My Account
  • Transfers
  • Buy Airtime
  • Bill Payments
  • Internet Bundles
  • Investments

 

The time period for an established session is 10 seconds, after which the session will timeout. Transactions are in two forms – financial (involves the movement of funds) and enquiry (only informational).

 

4.0 Features of the Service

Features for the NIB 710 service includes: 

  • Bank Balance Enquiry
  • Viewing Last 10 transactions on an account
  • Transfer of Funds to other NIB Accounts
  • Transfer of Funds to Accounts with other Banks
  • Airtime Purchase (i.e. MTN, Airtel, Vodafone, Glo, Tigo, Expresso)
  • Bill Payments (i.e. ECG, Water, MTN Bills, DSTV, GoTv, etc.)
  • Account to Wallet Transfer
  • Wallet to Account Transfer
  • Purchase Internet Bundles (i.e. Busy 4G, Surfline, etc.) 
  • Other Bank/Account Enquiries

5.0 Benefits to Customers 

  • Access to realtime account balance information
  • Deposit mobile money into your NIB Account easily
  • Transfer money to any mobile money wallet (i.e. MTN, Airtel, Vodafone, Tigo)
  • Make payments to any bank account instantly
  • Purchase airtime anyday, anytime without scratch cards
  • Purchase data bundles quickly and easily (i.e. Busy 4G, Surfline, etc.)
  • The service is faster, easier, and very secure
  • Funds are credited or debited directly into your account
  • No airtime or data required to access the service.
  • Service is available to MTN, AIRTEL, VODAFONE subscribers
  • No need to enter the banking hall or fill any forms to perform transactions
  • You only need a GSM-enabled mobile phone and a registered SIM​

6.0 Subscribing for the Service

The service is account-based, and requires individuals to maintain an account with NIB. Subscription can be done at any NIB Branch. Customers of NIB who are subscribed on any e-Banking service, have the luxury of self-subscribing unto this service using their GSM-enabled mobile phones. All they need is their account number and the mobile number linked to the account.

 

7.0 Charges and Limits

The following are the fees and limits for the service: 

 

Transaction Types

Fees (GHS)

Daily Limit (G​HS)

Subscription

Free

N/A

Account to Other Banks

1% of transfer value, MIN - GHS 5.00, MAX - GHS 50.00

10,000.00

Account to Wallet Transfer

1% of transfer value, MIN - GHS 2.00, MAX - GHS 5.00

5,000.00

Wallet to Account Transfer

Depends on mobile network operator

2,000.00 per transfer

 

8.0 Shortcuts

Balance Enquiry: *710*10#

Airtime to my number: *710*1*Amount#

Airtime to other Number: *710*phoneNumber*amount#

 

9.0 Menu Items with Descriptions

1. My Account
This menu allows customers to make enquiries and requests on their linked accounts

1.1. Check Balance
i. Customer has to select the account of interest, then enter his/her 4-digit PIN. 
ii. ​​The account balance would then display on screen

1.2. See Last 10 Transactions
i. Customer has to select the account of interest, then enter his/her 4-digit PIN.
ii. The last 5 transactions on the account would be displayed

1.3 Change PIN  
i. Customer selects the account of interest, then enter his/her 4-digit PIN.
ii. Enter and confirm new 4-digit PIN 
iii. Confirmation then display on screen

1.4 Call our Contact Centre
i. The Contact Centre numbers and email address is displayed on the screen

 

2. TRANSFERS
This option allows for customers to do fund transfers from or to other accounts. 

2.1 Another NIB Account Customers can move funds from their registered account to another NIB account.
i. Customer selects the account of interest, then enter his/her 4-digit PIN.
ii. Customer enters the receiving account number and amount to be transferred.
iii. Customer has to confirm transaction details before funds are transferred.

2.2 Other Banks 
Customers can move funds from their registered account to an account at another Bank.
i. Customer selects the account of interest, then enter his/her 4-digit PIN. 
ii. Customer selects the Bank to transfer to
iii. Customer enters the receiving account number and amount to be transferred.
iv. Customer then confirms transaction details before funds are transferred.

2.3 Wallet Transfers
This menu is used for the transfer of funds from registered NIB Accounts to mobile money wallets provided by Mobile Network Operators (MNOs)
i. Customer selects the account of interest, then enter his/her 4-digit PIN.
ii. Customer then selects mobile network operator 
iii. Customer enters the recipient’s mobile number and amount to be transferred.
iv. Customer has to confirm transaction details before funds are transferred

 

3. BUY AIRTIME
Customers may use this menu to purchase mobile airtime directly from their accounts.

3.1 My Number
i. Customer selects the account of interest, then enter his/her 4-digit PIN.
ii. Customer enters the purchase amount, then confirms the transaction.  

3.2 Other Number
i. Customer selects the account of interest, then enter his/her 4-digit PIN.
ii. Customer enters the recipient’s mobile number and amount to be purchased.
iii. Customer has to confirm transaction details before funds are transferred.

 

4. BILL PAYMENTS
Customers can make payments for bills to various merchants 

4.1 TV Bills
i.Customer selects the bill type (GoTV, DSTV, TV License)
ii. Enter the Device ID provided by vendor/merchant 
iii. Select account of interest, and enter his/her 4-digit PIN. 
iv. Customer has to confirm transaction details before funds are transferred.

4.2 Utility 
i.Customer selects the bill type (MTN Bills, Vodafone Broadband)
ii. Enter the billing ID provided by vendor/merchant 
iii. Select account of interest, and enter his/her 4-digit PIN. 
iv. Customer has to confirm transaction details before funds are transferred. 

 

5. INTERNET BUNDLE
Customers can use this option to buy internet bundles for selected Internet Service Providers (ISPs).
i.Customer selects the ISP (Surfline, surfPlus, Busy4G)
ii. Enter the mobile number provided by the ISP
iii. Select the type of bundle
iv. Select account of interest, and enter his/her 4-digit PIN. 
v. Customer has to confirm transaction details to finalise the transaction.

 

6. ACTIVATE SERVICE
Customers can self-register for the service.
i. Customer selects option to subscribe to service
ii. Enter account number to be linked to service.
iii. Receive confirmation SMS

 

NB: The mobile number used should already be linked to the selected account number in T24. If this is not the case, customer will be requested to visit the Branch for enrolment. 

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