Bandhan Bank Net Banking

Last Updated : April 3, 2025, 3:57 p.m.

Bandhan Bank is a leading private sector bank in India, known for its strong focus on financial inclusion and microfinance. It was originally established as Bandhan Financial Services Limited (BFSL) in 2001 as a microfinance institution. Later, in 2015, it became a universal commercial bank, making it one of the youngest banks in India.

The bank primarily serves small entrepreneurs, self-employed individuals, and rural communities, providing them with banking and credit facilities to promote financial growth. However, it also caters to retail and corporate customers with a full range of banking services.

Features of Bandhan Bank Net Banking

Bandhan Bank Net Banking offers a variety of features to simplify banking:

• Check account balances, view transaction history, Bandhan Bank mini statement number , and manage savings or current accounts.
• You can Transfer money using NEFT, RTGS, IMPS, or UPI to Bandhan Bank accounts or other banks.
• Pay utility bills (electricity, water, gas, etc.), recharge mobile/DTH, and settle credit card dues.
• Apply for cheque books, stop cheque payments, or update personal details like address or PAN.
• Easily open Fixed Deposits (FD), Recurring Deposits (RD), or invest in mutual funds online.
• Online shopping, paying merchants, and managing debit/credit card transactions.

Benefits of Bandhan Bank Net Banking

• Access banking services anywhere with an internet connection.
• Perform transactions instantly without visiting a branch.
• Dual-layered authentication (login and transaction passwords) and OTP-based verification ensure safety.
• Most services, like balance checks and intra-bank transfers, are free; minimal charges apply for specific transactions.
• Manage multiple accounts, schedule payments, and track finances in one place.
• Suitable for both retail and corporate customers, including NRIs.

How to Register for Bandhan Bank Net Banking?

To register for Bandhan Bank Net Banking:

1. Visit the Website : Go to the official website and click "Login" under "Internet Banking."
2. Start Registration : Select "New User Sign Up" or "Register Now."
3. Enter Details :
   • Provide your registered mobile number linked to your Bandhan Bank account.
   • Choose an authentication method:
     • Debit Card : Enter your debit card number, ATM PIN, and expiry date.
     • Reference Number : Obtain this by calling 1800-258-8181 or visiting a branch, then enter it with your Customer Information File (CIF) number (found in your passbook).
4. OTP Verification : Enter the OTP sent to your registered mobile number.
5. Set Credentials : Create a User ID, login password, and transaction password.
6. Submit : After submission, a "Successful Registration" message will appear, and your net banking is activated.
7. First Login : Log in with your new credentials and set a secure access text/image.

Prerequisites : A Bandhan Bank account, a registered mobile number, and either a debit card or reference number.

How to Activate Bandhan Bank Net Banking?

Below are the steps to activate net banking for a Bandhan Bank savings account .

Steps to Activate Bandhan Bank Net Banking

1. Visit the Official Website :
   • Go to the official website.
   • Click on "Login" under the "Internet Banking" section.
2. Start Registration :
   • Select "New User Sign Up" or "Register Now" (look for the option for first-time users).
3. Enter Required Details :
   • Provide your registered mobile number linked to your Bandhan Bank account.
   • Choose an authentication method:
     • Using Debit Card :
       • Enter your Bandhan Bank debit card number, ATM PIN, and expiry date.
     • Using Reference Number :
       • If you don’t have a debit card, obtain a reference number by calling Bandhan Bank customer care at 1800-258-8181 or visiting a branch.
       • Enter the reference number along with your Customer Information File (CIF) number (found in your passbook or statement).
4. OTP Verification :
   • An OTP will be sent to your registered mobile number.
   • Enter the OTP to verify your identity.
5. Set Credentials :
   • Create a User ID (can be your Customer ID or a personalized ID).
   • Set a login password and a transaction password (ensure they meet security requirements, e.g., a mix of letters, numbers, and special characters).
6. Submit Registration :
   • Submit the details after filling in all required fields.
   • You’ll see a "Successful Registration" message on the screen, and a confirmation SMS will be sent to your registered mobile number.
7. First-Time Login :
   • Return to the login page
   • Enter your User ID and login password.
   • You may be prompted to set a secure access text/image or answer security questions.
   • Once logged in, your net banking is fully activated and ready for use.

Alternative Method (Via Branch)

If you don’t have a debit card or access to your registered mobile number:

1. Visit your nearest Bandhan Bank branch.
2. Request an Internet Banking application form.
3. Fill it out with your account details and registered mobile number.
4. Submit it with a valid ID proof (e.g., Aadhaar, PAN).
5. The bank will activate net banking and provide initial login credentials, which you can later customize online.

Prerequisites

• An active Bandhan Bank account (savings or current).
• A mobile number registered with the bank.
• Access to either a debit card or a reference number from the bank.

How to Login to Bandhan Bank Net Banking?

1. Visit the Portal : Go to the official website> "Internet Banking" > "Login."
2. Enter User ID : Input your User ID (Customer ID or personalized ID set during registration).
3. Enter Password : Provide your login password.
4. Validate : Click "Continue to Login" and enter the OTP (if prompted) sent to your registered mobile number.
5. Access Dashboard : Once validated, you’ll enter your net banking account.

For corporate users, select "Corporate Internet Banking" and follow similar steps with corporate credentials.

How to Reset the Password of Bandhan Bank Net Banking?

If you forget your password:

1. Go to Login Page : Visit official website> "Internet Banking" > "Login."
2. Select Forgot Password : Click "Forgot Password" on the login screen.
3. Enter User ID : Provide your User ID (Customer ID or personalized ID).
4. Verify Identity :
   • Use your debit card number and PIN, or
   • Enter your registered mobile number to receive an OTP.
5. Set New Password : Enter and confirm a new login password.
6. Submit : After verification, your password is reset, and you’ll receive a confirmation.

If you don’t have a debit card or access to your registered number, contact customer care (1800-258-8181) or visit a branch.

How to Transfer Funds through Bandhan Bank Net Banking?

To transfer money:

1. Log In : Access your net banking using your savings account details.
2. Navigate : Go to "Fund Transfer" or "Payments" on the dashboard.
3. Select Transfer Type :
   • Within Bandhan Bank (own or third-party accounts).
   • Other banks via NEFT, RTGS, or IMPS.
4. Add Beneficiary (if new) :
   • Click "Add Beneficiary," enter their account number, IFSC code, and name.
   • Verify with an OTP; activation may take a few hours.
5. Initiate Transfer :
   • Choose the "Transfer From" account and the beneficiary.
   • Enter the amount and add optional remarks.
6. Authenticate : Enter your transaction password and the OTP sent to your registered mobile number.

Confirm : Submit the transaction and note the reference number upon success.

What are Transaction Limits for Bandhan Bank Net Banking?

Transaction limits vary by transfer type and customer profile (retail vs. corporate). Below are typical limits for retail users (subject to change; confirm with the bank):

• IMPS :
  • Per Transaction: Up to ₹5,00,000.
  • Daily Limit: ₹5,00,000.
• NEFT :
  • Per Transaction: No upper limit (₹50 minimum).
  • Daily Limit: No cap, depends on account type.
• RTGS :
  • Per Transaction: ₹2,00,000 minimum; no upper limit.
  • Daily Limit: No cap, depends on account balance.
• UPI :
  • Per Transaction: Up to ₹1,00,000.
  • Daily Limit: ₹1,00,000 (10 transactions/day).
• Intra-Bank Transfers : Usually no limit within your own accounts; third-party transfers may cap at ₹10,00,000/day.

Charges (as per the bank’s schedule):

• IMPS: Free up to ₹1,000; ₹2–₹15 for higher amounts.
• NEFT: Free up to ₹10,000; ₹2–₹25 beyond that.
• RTGS: ₹15–₹39 based on the amount.
• UPI: Free.