Central Bank of India Mobile Banking

Last Updated : May 2, 2025, 6:45 p.m.

Central Bank of India Mobile Banking, offered through the Cent Mobile app, is a secure and convenient platform that allows customers to manage their finances anytime, anywhere using their smartphones. Available on Android (version 5.1+) and iOS (version 13.0+), the app provides access to a wide range of banking services, including balance inquiries, fund transfers (IMPS, NEFT), bill payments, mobile/DTH recharges, deposit account management, and debit/credit card services. It features pre-login options like branch/ATM locators and interest rate checks, accessible without registration, and post-login features for registered customers, such as transactions and account management. The app uses robust security measures, including MPIN, OTP verification, and 128-bit SSL encryption.

Designed for Savings, Current, and other account holders, Cent Mobile requires a registered mobile number and an active internet connection (mobile data preferred during registration, Wi-Fi supported post-registration). The service is free, though standard data/SMS charges may apply, offering a user-friendly banking experience on the go.

Types of Central Bank of India Mobile Banking

The different types of Central Bank of India mobile banking are -

Central Bank of India Mobile Banking Registration

Steps to Register for Central Bank of India Mobile Banking (Cent Mobile)

Step 1: Download the App

• Go to the Google Play Store or Apple App Store.
  
• Search for “Cent Mobile”.
  
• Verify that the developer is Central Bank of India and download the app.

Step 2: Launch and Register

1. Open the app and allow the required permissions (SMS, phone, etc.).
   
2. Tap on “New User”.
   
3. Enter your registered mobile number (linked to your bank account).
   
4. You will receive an OTP on the registered number. Enter it to verify.

Step 3: Set Credentials

1. Choose the registration mode:
   
   • Using Debit Card (ATM Card), or
     
   • Using Internet Banking credentials.
     
2. Enter your:
   
   • Customer ID
     
   • Account Number
     
   • ATM/Debit Card Number & PIN, or Net Banking details.
     
3. Set a 4-digit MPIN (for app login).
   
4. Set a TPIN (for transaction authentication).
   
5. Accept the terms and conditions and submit.

Process to Login Central Bank of India Mobile Banking App

To log in to the Central Bank of India Mobile Banking App (Cent Mobile), follow these steps:

1. Open the App: Launch the Cent Mobile app on your smartphone. Ensure it’s downloaded from the Google Play Store (Android, version 5.1 or above) or App Store (iOS, version 13.0 or above).
2. Select Language: Choose your preferred language (e.g., English, Hindi) if prompted on the first login.
3. Enter MPIN: Input your 4-digit MPIN (Mobile Banking Personal Identification Number) set during registration.
4. Authenticate (if prompted):
   • For first-time login on a new device or periodic security checks, enter the OTP sent to your registered mobile number.
   • If biometric authentication is enabled, use fingerprint or face ID (optional, set up during registration or later in settings).
5. Access Dashboard: Once authenticated, you’ll be directed to the app’s dashboard, where you can access services like balance checks, fund transfers, and bill payments.

Central Bank of India Whatsapp Mobile Banking

To start whatsapp mobile banking for Central Bank of India, use the steps below -

Step 1: Save the Official WhatsApp Number

• Save +91 86938 60000 to your contacts. This is the official WhatsApp Banking number of the Central Bank of India.

Step 2: Start the Chat

• Open WhatsApp and send “Hi” to this number.

Step 3: Choose a Service

You will receive a reply with menu options such as:

1. Balance Inquiry
   
2. Mini Statement
   
3. Block ATM Card
   
4. Loan Details
   
5. Service Request
   
6. Contact Customer Care
   
7. Exit

Step 4: Follow Prompts

• The system may ask for your account-linked mobile number or an OTP to authenticate.
  
• Enter the required information as prompted.

Step 5: Get Instant Responses

You’ll receive the requested information directly in the chat—for example:

• Balance of your savings or current account.
  
• Mini statement of recent transactions.
  
• Option to block your ATM card if it's lost or stolen.

Benefits of Central Bank of India Mobile Banking

Below are the benefits of Central Bank of India mobile banking.

• Convenient Access: Manage accounts, check balances, and view transaction history anytime, anywhere using a smartphone.
• Seamless Fund Transfers: Perform instant transfers within the Central Bank or to other banks via IMPS, NEFT, or UPI.
• Bill Payments and Recharges: Pay utility bills, mobile/DTH recharges, and credit card dues quickly and securely.
• Account and Deposit Services: Open/manage fixed deposits, recurring deposits, and view account details directly in the app.
• Card Management: Block/unblock debit cards, set transaction limits, and manage credit card payments on the go.
• Enhanced Security: Ensure safe transactions with 4-digit MPIN, OTP verification, biometric authentication, and 128-bit SSL encryption.

Uses of Central Bank of India Mobile Banking App

Below are some of the uses of the Central Bank of India mobile banking application.

How to Reset the Password of Central Bank of India Mobile Banking?

To reset the password (MPIN) for Central Bank of India Mobile Banking (Cent Mobile app), follow these steps:

Resetting MPIN

1. Open the App: Launch the Cent Mobile app on your smartphone.
2. Select Forgot MPIN: On the login screen, tap the ‘Forgot MPIN’ option.
3. Enter Customer ID: Input your Customer ID (found on your passbook, chequebook, or via customer care).
4. Authenticate Identity:
   • Option 1: Debit Card:
     • Enter your 16-digit Debit Card Number, ATM PIN, and Card Expiry Date (MM/YY).
   • Option 2: OTP Authentication:
     • Verify using an OTP sent to your registered mobile number.
5. Set New MPIN: Create a new 4-digit MPIN and re-enter it to confirm.
6. Submit: Tap ‘Submit’ or ‘Confirm’ to complete the reset process. You’ll receive a confirmation message or SMS.

Alternative Method: Via Internet Banking

1. Visit CBI Website: Go to https://www.centralbank.net.in and select ‘Internet Banking’ > ‘Retail Login’.
2. Log In: Enter your User ID and Password for internet banking.
3. Reset MPIN:
   • Navigate to ‘Services’ or ‘Mobile Banking Settings’.
   • Select ‘Reset MPIN’ and authenticate with OTP or debit card details.
   • Set a new 4-digit MPIN and confirm.
4. Submit: Save changes to update your MPIN.

If You Can’t Reset Online

• Visit a Branch:
  • If you lack debit card details, internet banking access, or face issues (e.g., unregistered mobile number), visit your Central Bank of India branch.
  • Submit a Mobile Banking Password Reset Form (available at the branch).
  • Provide your Customer ID, account details, and ID proof for verification.
  • The branch will reset your MPIN or unlock your account if blocked due to multiple incorrect attempts.
• Contact Customer Care:
  • Call 1800 22 1911 or +91-22-67898909 (charges may apply).
  • Provide your Customer ID and account details. Customer care may guide you to the branch for certain resets.

Central Bank of India Mobile Banking Transaction Limit

The transaction limit for Central Bank of India mobile banking are -