Karnataka Bank Mobile Banking

Last Updated : April 29, 2025, 12:37 p.m.

Karnataka Bank mobile banking offers services through its official app called KBL Mobile+. It provides customers with safe, fast, and convenient access to banking services right from their smartphones. Whether it’s checking balances, transferring funds, paying bills, or recharging mobile phones, KBL Mobile+ ensures that customers can manage their finances anytime, anywhere without visiting a branch.

The app is designed with user-friendly navigation, multi-layered security, and 24x7 availability, making it easy even for first-time users. Apart from traditional services like money transfer and statement requests, the app also supports UPI (Unified Payments Interface) transactions, QR Code payments, and service requests like cheque book issuance and card management.

Types of Karnataka Bank Mobile Banking

The types of Karnataka Bank mobile banking can be seen in the table below.

Karnataka Bank Mobile Banking Registration

Karnataka Bank requires initial registration through a branch to activate mobile banking, ensuring KYC compliance.

1. Locate Your Branch:
   • Find your base branch (where your account was opened) via the official website or call 1800 425 1444.
2. Submit Mobile Banking Application:
   • Request a Mobile Banking Registration Form or KYC Update Form.
   • Fill in:
     • Account Number and Customer ID (from passbook, chequebook, or welcome letter).
     • Mobile Number to register (ensure it’s active).
     • Personal Details (name, address, etc.).
   • Attach self-attested copies of Identity Proof and Address Proof (e.g., Aadhaar, PAN).
3. Verify KYC:
   • Submit the form and documents to the bank officer.
   • Present original documents for verification (e.g., Aadhaar for biometric or visual check).
   • Consent to link your mobile number for OTP-based services.
4. Receive Credentials:
   • Upon successful KYC verification, the bank activates mobile banking in the Core Banking System.
   • You’ll receive an SMS on your registered mobile number with:
     • Customer ID (Mobile Banking User ID).
     • Temporary MPIN (Mobile Banking PIN).
   • This process may take 1-2 business days.

Step 2: Download and Set Up the KBL Mobile Plus App

After receiving your Customer ID and temporary MPIN, configure the app for mobile banking access.

Download the App:

• Install KBL Mobile Plus from the Google Play Store (Android) or App Store (iOS).

• Verify the developer as Karnataka Bank (e.g., email: [email protected]).

Open the App:

• Launch KBL Mobile Plus and grant permissions:
  • Location Permission (for security).
  • SMS/Phone Access (for OTP auto-fetch).
  • Manage Phone Calls (for device binding).

Register in the App:

• Tap Register or New User.
• Enter your registered mobile number (linked to your account).
• Verify with an OTP sent to your mobile number.
• Input your Customer ID and temporary MPIN received via SMS.
• Alternatively, use debit card details (last 6 digits, PIN, expiry date) if prompted for authentication.

Change MPIN:

• After logging in with the temporary MPIN, the app prompts you to set a new 4-digit MPIN.
• Choose a secure MPIN (do not share it) and confirm it.
• Optionally, enable fingerprint login in the User Profile section for biometric authentication.

Process to Login Karnataka Bank Mobile Banking App

The process to log into the Karnataka Bank mobile banking app is as follows -

Login and Activate Services

Log In:

• Open KBL Mobile Plus and enter:
  • Customer ID.
  • New MPIN (or use fingerprint if enabled).
• For first-time login, an OTP may be required to verify your device.

Access Services:

• Post-login, view your account balance, account number, and other features on the home screen.

Karnataka Bank Whatsapp Mobile Banking

To Use Karnataka Bank WhatsApp Banking

1. Save the official Karnataka Bank WhatsApp number:
   +91 98806 55888

2. Send a message:

   • Open WhatsApp and send a simple “Hi” to the saved number.

3. Choose from the menu:

   • You’ll receive a list of available services.

   • Reply with the number corresponding to the service you need.

Benefits of Karnataka Bank Mobile Banking

• Karnataka Bank mobile banking makes sure that long queues are avoided and you can easily use the banking services.
• The technology used in mobile banking is the future of banking
• Anytime banking makes it a very convenient and favourable option for customers
• Customers can access almost any banking facility at their fingertips.
• Elimination of interaction with staff and officials.
• A single platform solution makes it easy for senior citizens to access it.
• Redressal and complaints can be solved at a faster pace.

Uses of Karnataka Bank Mobile Banking App

The category wise description of features and services for Karnataka Bank mobile banking app are given below.

How to Reset the Password of Karnataka Bank Mobile Banking?

Steps to Reset the MPIN for Karnataka Bank Mobile Banking

Step 1: Open the KBL Mobile Plus App

1. Launch the KBL Mobile Plus App on your smartphone.
2. Ensure the SIM with your registered mobile number is inserted for OTP verification and device binding.

Step 2: Access the Forgot MPIN Option

1. On the login screen, locate the Forgot MPIN? or Reset MPIN link (typically below the MPIN entry field).
2. Tap Forgot MPIN? to initiate the reset process.

Step 3: Enter Customer ID and Verify Identity

1. Input Customer ID:
   • Enter your Customer ID (from passbook, chequebook, or welcome letter).
   • If you don’t have your Customer ID, retrieve it by:
     • Checking Net Banking (if registered).
     • Visiting a branch with KYC documents.
     • Calling 1800 425 1444 and providing account details.
2. Select Verification Method:
   • Option 1: OTP Verification (preferred):
     • The app sends an OTP to your registered mobile number.
     • Enter the OTP to verify your identity.
   • Option 2: Debit Card Verification (if prompted or OTP fails):
     • Enter your debit card details:
       • Last 6 digits of the card.
       • PIN.
       • Expiry date.
     • This authenticates your account.
3. Grant Permissions:
   • Allow Location, SMS, and Phone permissions if prompted, as the app requires these for security and OTP auto-fetch.

Step 4: Set a New MPIN

1. After verification, the app prompts you to set a new 4-digit MPIN.
2. Enter a secure MPIN (avoid repetitive or predictable numbers, e.g., 1111 or 1234).
3. Confirm the MPIN by re-entering it.
4. Optionally, enable fingerprint login (biometric authentication) in the User Profile section for future logins.

Step 5: Complete the Reset Process

1. Accept the terms and conditions if prompted.
2. Receive an in-app or SMS confirmation that the MPIN has been successfully reset.
3. The reset is typically instant, and you can log in immediately.

Step 6: Log In with New MPIN

1. Return to the login screen.
2. Enter your Customer ID and new MPIN (or use fingerprint if enabled).
3. For first-time login after reset, an OTP may be required to verify the device.
4. Access the app’s dashboard to perform over 100 services, such as UPI transfers, bill payments, and balance checks.

Karnataka Bank Mobile Banking Transaction Limit

The transaction limits for Karnataka bank mobile banking are as follows -