Frequently Asked Questions

Thank you for your interest in opening a bank account with us. We appreciate your inquiry and would like to provide you with the necessary information to proceed with the account opening process.

To conveniently open your account online, please click on the following link: https://onlineaccount.garimabank.com.np/. This online platform will guide you through the necessary steps and requirements for opening an account with us.

Alternatively, if you prefer a more personalized approach or have any additional questions, we invite you to visit our nearest branch. Our friendly staff will be glad to assist you with the account opening procedure. To ensure a smooth process, please ensure that you bring the following documents:

• Two recent passport-sized photographs.
• Original and photocopy of your Citizenship or Passport.
• Copy of the Citizenship of your nominated person (nominee).

By providing these documents, you will help us verify your identity and ensure the security of your account. Our goal is to make the account opening process as seamless as possible, and our staff will be there to guide you throughout the entire process.

Garima Bikas Bank is a reputable financial institution that does not possess SWIFT (Society for Worldwide Interbank Financial Telecommunication) or IBAN (International Bank Account Number) codes typically associated with international money transfers. However, you can conveniently send money to Garima Bikas Bank by availing various remittance channels. These services are designed to facilitate the secure and efficient transfer of funds to the bank, ensuring a smooth transaction process.

For inside country:

Please kindly visit any nearest branch and fill DMAT and MEROSHARE opening form. After 4-5 days, please visit a branch again for DMAT number. After you received your DMAT number, you have to fill C-ASBA form for CRN number.
Charges:
1. For DMAT : NPR 150.00
2. For MEROSHARE : NPR 50.00
3. FOR C-ASBA : Free 

Please visit any nearest branch to verify your Connect IPS. It will take around 3-4 days to verify your account.

• Garima Digi Batuwa is a secure and convenient mobile banking app provided by Garima Bikas Bank. It allows you to manage your bank accounts and perform various banking services easily through SMS, WiFi, or mobile data.

• View account balances and statements.
• Transfer funds within Garima Bikas Bank.
• Transfer funds to other bank accounts using fonepay/connect IPS networks.
• Pay bills for utilities like NTC landlines, postpaid, and credit cards.
• QR Code payments
• Recharge services such as NTC Prepaid, Ncell, Dish Home, and SimTV etc.
• Receive notifications of debit or credit transactions.
• Fix deposit request.

• If you are an existing customer of Garima Bank, you can subscribe to Garima Digi Batuwa Mobile Banking Services by filling a Garima Digi Batuwal Mobile Banking Application Form.

• Garima Mobile Banking Service can only be subscribed by the customers of Garima Bikas Bank. If you are not a customer of Garima Bikas Bank, then you can open an account with the Bank and then apply for the Garima Mobile Banking Services.

• Subscription of Garima Mobile Banking is as per Standard Tariff Charges of service activation and renewal fee shall be charged after expiry of the service.

• As of today, Garima Mobile Banking can be used all mobile phones that run in Android, and IOS platforms.

• Download the Garima Digi Batuwa application from the Play Store or App Store.
• Click on the "Unable to login? Click here" option.
• Click on "Activate Account."
• Read the terms and conditions, then click on "Accept."
• For service activation, the registered mobile number must be on the same device where the service will be activated. Click on "Proceed" and enter the registered mobile number.
• After entering the registered mobile number, you will be redirected to send an SMS. The SMS must be sent from the registered mobile number.
• Once the SMS is delivered, you will receive a "Code validation successful" message. After receiving this message, return to the application.
• Enter the OTP code and click "Proceed."
• Enter your account number, set up your login password and transaction PIN, and your service will be activated.
• For Video Click on this link: Activate Garima mobile Banking

• Forgetting your password can be frustrating, but with Garima Digi Batuwa, resetting it is quick and easy! Just follow these simple steps right from the app:
• Open the Garima Digi Batuwa application.
• Click on "Unable to login? Click here."
• Select "Forgot Password."
• Enter your registered mobile number and click "Proceed."
• You’ll be redirected to send an SMS from your registered mobile number 
• Once the SMS is delivered, you’ll receive a "Code validation successful" message. Return to the app.
• Enter the OTP code you received and click "Proceed."
• Enter your account number and click "Proceed."
• Enter your Date of Birth in AD, as provided during account opening.
• Answer the security question and set your new login password and transaction PIN.
• For a step-by-step guide, watch this video: Password Reset Video

• After three incorrect login attempts, your password will be blocked. Visit your nearest branch to submit an unblock request form.

• Transfers within Garima Bikas Bank are free of charge. Transfers to other banks through Fonepay/Connect IPS are subject to charges as per the respective service provider

• Yes, you can subscribe to mobile banking services while staying abroad. However, you need to submit a letter of application or a mobile banking application form, along with a copy of your visa and passport, to subscribe the service with the verified email address.

• If you forget your Garima Digi Batuwa password while abroad, you will need to send a written application that includes your banking details and signature. The email should be sent from your verified email address registered with the bank. Additionally, please attach a copy of your valid passport and visa for verification purposes.

• Yes, you can continue using Garima Digi Batuwa if you have already activated the services while in Nepal. However, if the application is uninstalled, your device is changed, or there are any changes to your phone/application, you will need to request a device reset via SMS mode, which cannot be accessed from outside the country.

• If you receive a message indicating a transaction failure, the transaction will typically be reversed within 24 hours. In case of a timeout, the receiving bank needs to update the transaction status to complete the process.

• If you encounter any issues while using Garima Digi Batuwa, transferring funds or using top-up services through the Garima Digi Batuwa application, you can email us at card@garimabank.com.np , or contact our customer care service at Call Center: 01-5970179 or Toll-Free: 16600145444.

• To apply for a Garima Debit Card, account holders can visit any of our branches and submit a duly filled Debit Card application form, along with one passport-sized photo. The bank reserves the right to accept or reject any application. Application forms are available at all branches.

• A Personalized domestic Visa Debit Card takes about 15 days to be delivered. However, Garima Instant Card can be issued immediately.

• The debit card is valid for 5 years.

• Yes, your card will be automatically renewed upon expiration, if your card link account has sufficient funds.

• If you choose not to renew the card, you will receive a notification before the expiration date. You should then contact your branch to discontinue the card services.

• Yes, the debit card can be closed at any time at the customer’s request.

• The Garima Visa Debit Card can be used in Nepal, India, and Bhutan at ATMs and POS terminals.

• Currently, online transaction facilities are not available for the Garima Debit Card.

• Yes, there is a charge of NPR 100 for PIN regeneration.

• Yes, an annual fee of NPR 300 is charged each year during the 5-year validity period of the card.

• You will receive a personalized card upon renewal.

• You can perform transactions using the paper PIN without changing it. However, if you wish to change the PIN, you can visit any of our ATMs to do so.

• Yes, you need to change the green pin within 72 hours once you received the PIN on you mobile phone.

• If your card is lost, you can block it by emailing us at card@garimabank.com.np , or by contacting our customer care service at Call Center: 01-5970179 or Toll-Free: 16600145444. Additionally, for 24/7 support, you can call our card service provider at 9851126440.

• Yes, you can obtain a new card by visiting any of our branches. A replacement fee will be charged as per the bank's Standard Tariff Charges (STC).

What is the difference between Static QR and Dynamic QR?

• Static QR: This is a fixed QR code that is displayed in physical form, such as on a standee, sticker, or hanger. It is not tied to a specific transaction and can be used repeatedly.

• Dynamic QR: This is a unique QR code generated for each individual transaction. It includes specific details of the transaction, such as the exact amount, ensuring a seamless and accurate payment process.

Which QR code networks are offered by Garima Bikas Bank Limited?

• Garima Bikas Bank Limited provides QR codes through two networks: Fonepay and Nepal Pay.

I’m currently using a Garima QR code and want to update my information. What should I do?

• To update your information, please visit your nearest Garima Bikas Bank branch and submit an application to request the changes.

Can merchant initiate refund to the customers, if necessary, from their end?

• Yes, the merchant is given refund access through their portal. From there the merchant can easily initiate refund given that he/she has not settled the amount. 

Can the merchant make fund transfer to other bank accounts using their merchant balance?

• No, for security reasons the merchant can only settle to their nominated bank account. 

Is there any transaction volume limitation for merchants receiving payments from customers?

• Yes, there are limits for merchants who are registered without a PAN number. Merchants with a PAN number do not have a limitation to received transaction.

Can a merchant integrate Garima QR if they run online business (website)?

• Yes, Registered merchants can gain access of API after which they can integrate the same into their website.