Welcome
Welcome to the world of convenient and secure banking with SIB MirrorPlus, the official mobile banking app by South Indian Bank!
This user manual will be your guide to unlocking the app's full potential and managing your finances from anywhere, anytime.
Getting Started: Downloading and Setting Up Your App
- Download: Head over to the Google Play Store (for Android devices) or the Apple App Store (for iPhones and iPads) and search for "SIB MirrorPlus." Once found, tap "Install" to download the app to your device.
- Registration: Launch the app and tap "Register." Enter the last four digits of your SIB account number and the mobile number registered with your account. You'll then receive a One-Time Password (OTP) on your phone. Verify this code to proceed.
- Choose Your Registration Method:
- Debit Card: If you have your debit card handy, select this option. Enter your debit card details and create your Mobile Banking PIN (MPIN) - this will be your key for secure login and transactions within the app.
- Branch Token: Don't have your debit card? No worries! Visit your nearest SIB branch and request a Branch Token. Use this token during registration to access the app.
- Skip (View-Only Mode): In a rush or just want to browse your account information? This option allows you to view your account balances without the ability to conduct transactions.
Mastering Your Accounts: A Clear Snapshot of Your Finances
Dashboard Delight: Upon successful login, you'll be greeted by a user-friendly dashboard displaying summaries of all your linked accounts. This provides a quick and clear overview of your financial standing, including your:
- Savings account balances for budgeting and tracking your financial goals.
- Current account activity to monitor daily expenses.
- Term deposit details like interest rates and maturity dates.
- Loan account information including outstanding balances, upcoming EMIs, and interest dues.
Dive Deeper: Tap on any account to access detailed information. View current account balances, mini-statements reflecting recent transactions, and a complete transaction history for all your linked accounts.
Effortless Fund Transfers: Moving Money with Ease
Transfer Options Galore: SIB MirrorPlus empowers you to send money securely to any bank account in India using various methods:
- IMPS: Need an instant transfer? IMPS allows you to send money 24/7, 365 days a year.
- UPI: Experience the speed and convenience of Unified Payments Interface (UPI) for faster transactions using your unique VPA (Virtual Payment Address).
- NEFT: Schedule fund transfers for a future date using NEFT (National Electronic Funds Transfer) for planned payments.
Beneficiary Management: Save time for future transfers by adding beneficiaries directly within the app. Simply enter their account details and assign a nickname for easy identification.
Bill Payments Made Easy: Goodbye Late Fees, Hello Convenience
Recharge on the Go: Never run out of mobile talk time or DTH subscriptions again! Recharge your prepaid mobile phone and DTH connections directly within the app for seamless top-ups.
Utility Bill Payments Simplified: Forget the hassle of remembering due dates and standing in queues. Pay your utility bills for over 250 billers conveniently through the app. Features like:
- Automatic Bill Fetch: The app automatically retrieves your bill amount, saving you time and effort.
- Transaction History: Keep track of your past bill payments for easy reference.
- Bill Due Reminders: Stay on top of your bills with helpful reminders to avoid late payment fees.
School/College Fee Payments: Make direct fee payments to educational institutions registered with SIB, streamlining the process for both students and parents.
Investing Made Simple: Manage Your Gold Holdings (SGBs)
SIB MirrorPlus allows you to apply for and manage Sovereign Gold Bonds (SGBs) directly within the app. Invest in the security and stability of gold in grams for a secure and convenient investment option.
Fastag Management: Effortless Toll Payments
Own a FASTag for electronic toll payments on highways? Manage your SIB FASTag account directly through the app. Recharge your FASTag account for a smooth and hassle-free travel experience.
Total Debit Card Control: Security and Convenience at Your Fingertips
New Card Requests: Need a new debit card? Submit a request for a new card issuance conveniently within the app.
PIN Management: Set or reset your debit card PIN for secure transactions at ATMs and Point-of-Sale terminals.
Lost/Stolen Card Management: Misplaced your debit card? Report it immediately to block transactions and prevent unauthorized use.
Investment and Wealth Management
Mutual Funds: Invest in Mutual Funds and grow your wealth conveniently through the SIB MirrorPlus platform. Explore various fund options to suit your investment goals and risk appetite.
Deposit Management: Create fixed deposits (FDs) or recurring deposits (RDs) directly within the app, enabling you to save and earn interest on your money.
Loan Against Deposit (LAD): For times when you need quick access to funds, leverage your existing deposits as collateral to avail a Loan Against Deposit through SIB MirrorPlus. (Subject to eligibility and bank's terms)
Simplified Payments and Transactions
BHIM UPI: Unify your bank accounts! Manage all your bank accounts linked with BHIM UPI from a single platform within SIB MirrorPlus. View balances, transfer funds, and collect money conveniently using your UPI VPA.
Scan and Pay: Spot a UPI/Bharat QR code at a store or restaurant? Utilize the scan and pay functionality to make instant and secure payments directly through the app.
SIB FeeBook: Simplify and streamline various payments within the app. Pay fees related to education, bill payments, donations, and more using the SIB FeeBook feature.
Enhanced Security and Control
e-Lock: For added peace of mind, activate the e-Lock function to disable all digital debit transactions on your account with a single tap. This provides a temporary security measure when you suspect unauthorized activity or when you're not anticipating any debit card transactions.
e-Limit: Manage your spending effectively by setting custom e-Limits for your debit cards. This allows you to define a maximum amount for all your digital transactions during a specific period.
Staying Informed and Connected
Notifications: Stay up-to-date with the latest offers, security alerts, important reminders, loan approvals, and more through timely notifications sent directly to your phone.
Advanced Search: Utilize the advanced search function to find specific information within the app, including account details, transaction history, or specific features you're looking for.
FAQs: Access a comprehensive Frequently Asked Questions (FAQ) section to find answers to common inquiries and troubleshoot any issues you might encounter while using SIB MirrorPlus.
Additional Services
KSFE Chit Registration (NRI Customers): Non-Resident Indian (NRI) customers can conveniently register for KSFE Chit schemes directly within the SIB MirrorPlus app. (Subject to eligibility and scheme availability)
Locker Availability Search: Check the availability of lockers at your preferred SIB branches for safekeeping your valuables.
Referral Program: Share the benefits and convenience of SIB MirrorPlus with your friends and family. You might even be eligible for rewards when they sign up using your referral code. (Subject to bank's program terms)
Customer Support
For any questions or assistance beyond the app's functionalities, you can easily access the South Indian Bank website or contact their customer care representatives for further support.
Remember:
- The app interface and specific features might vary based on your device and app version. It's recommended to keep the app updated to access the latest functionalities and security patches.
- For the most up-to-date information and comprehensive assistance, visit the South Indian Bank website or contact their customer care team.
We hope this enhanced user manual empowers you to confidently navigate SIB MirrorPlus and unlock its full potential for seamless and secure banking.