Overview
The bank in your hand. The future in your pocket.
Banking used to mean queues, counters, and paperwork. M-Smart changes all of that — permanently. Machhapuchchhre Bank's flagship mobile banking application puts the full power of your bank account, every product, and every service directly into your smartphone. Anytime. Anywhere. In seconds.
M-Smart is not just a mobile app - it is MBL's vision of Smart Banking 2030, brought to life today. Omni-channel, AI-ready, and built for the way Nepal lives, works, and pays - M-Smart is the banking companion that grows smarter with you, every single day.
One platform. Everything banking.
From your morning utility bill to a midday fund transfer, from booking your next flight to applying for a digital loan - M-Smart handles it all from a single, seamless interface. No branch visit. No computer needed. No waiting.
Pay with QR at your favourite merchant. Send money to a friend in seconds. Book bus and air tickets on the go. Pay school and college fees without leaving home. Apply for MBL's AI-powered Smart Loan digitally. Open a Fixed Deposit, pledge it as collateral, and access credit - all from the same app. View accounts, download statements, manage cards, and connect to MBL for service requests - every financial and non-financial banking need, resolved in a tap.
Secure. Trusted. Regulatory-compliant.
M-Smart is built on all security standards prescribed by Nepal Rastra Bank for mobile banking - with multi-layer authentication, SIM binding, encrypted sessions, and real-time fraud monitoring. Your money is protected not just by technology, but by the same rigorous standards that govern every MBL product.
The smartest is yet to come.
M-Smart is a living platform - constantly evolving. AI and Generative AI-powered features are already on the roadmap, set to transform how you interact with your bank. Smarter recommendations, personalised financial insights, intelligent assistants, and digital-first products will continue to be added, making M-Smart not just what banking is today - but what it will be tomorrow.
M-Smart. Because when your bank is smart, you are unstoppable.
Features
Account Information: Balance enquiry, Mini-statements, checking of account history, Access to loan statements, credit card statements
Transfers: Intra and interbank fund transfers, Micro-payment handling
Online payments: Airlines, Internet, Electricity, television. Water, Schools, Tours and travels, credit card bill payment, Insurance and other services
QR payments: Payments through scanning QR codes
Wallet Load: Load fund in Digital wallets such as eSewa, Khalti, IME Pay and other wallet services
Top ups and Recharge: such as Ncell, NTC, Smart and more
Support: lodge dispute, status of requests for dispute, Branches and ATM Location, etc.
Request: Loan request, LC guarantee request, Debit Card, Credit Card, Re-pin for card services, Card block/open request, Open Internet Banking
Content Services: General information such as weather updates, news, MBL information’s, banking awareness, Exchange rates, banking hours
Other banking services: Open fixed deposit
Transaction Limit
| Types of Transaction | Per Transaction | Per day | Per month | ||||
|---|---|---|---|---|---|---|---|
| Fund transfer/ QR code payment | NPR 200,000/- | NPR 300,000/- | NPR 3,000,000/- | ||||
| Wallet Load | NPR 50,000/- | NPR 200,000/- | NPR 1,000,000/- |
Requirements and Procedure
Customer must maintain an account with Machhapuchchhre Bank Limited
Submit a duly filled Mobile Banking Application Form at the nearest MBL branch