1.0 Introduction
The NIB Fastlink Service, provides a Mobile Commerce Platform that allows the Bank to provide its customers with the flexibility and convenience of managing their finances anytime and anywhere.
This service is operated using the Unstructured Supplementary Service Data (USSD) medium, allowing customers to access the service with/without internet access or mobile airtime.
2.0 What Is Unstructured Supplementary Service Data (USSD)?
USSD is a feature that is available in GSM phones. Unlike SMS which uses a “store and forward” technique to deliver text messages, USSD uses a real-time “session” to deliver information directly from a sender’s mobile handset.
This session is established between the mobile user and the USSD application platform when the service is invoked. This allows data to be sent back and forth between the two entities until the USSD service is completed.
3.0 NIB Shortcode *710#
The shortcode allocated for this service is 710. The service can be accessed by always preceding the shortcode with * and ending with # to activate (i.e. *710#).
Mobile Handset | USSD Application Platform |
User dials *710# | Welcome to NIB Fastlink
|
| Welcome to NIB Fastlink
|
The time period for an established session is 10 seconds, after which the session will timeout. Transactions are in two forms – financial (involves the movement of funds) and enquiry (only informational).
4.0 Features of the Service
Features for the NIB 710 service include:
5.0 Benefits to Customers
6.0 Subscribing for the Service
The service is account-based, and requires individuals to maintain an account with NIB. Subscription can be done at any NIB Branch. Customers of NIB who are subscribed to any E-Banking service, have the luxury of self-subscribing this service using their GSM-enabled mobile phones. All you need is your account number and the mobile number linked to the account.
7.0 Charges and Limits
The following are the fees and limits for the service:
Transaction Types | Fees (GHS) | Daily Limit (GHS) |
Subscription | Free | N/A |
Account to Other Banks | 1% of transfer value, MIN - GHS 5.00, MAX - GHS 50.00 | 10,000.00 |
Account to Wallet Transfer | 1% of transfer value, MIN - GHS 2.00, MAX - GHS 5.00 | 5,000.00 |
Wallet to Account Transfer | Depends on mobile network operator | 2,000.00 per transfer |
8.0 Shortcuts
Balance Enquiry: *710*10#
Airtime to my number: *710*1*Amount#
Airtime to other Number: *710*phoneNumber*amount#
9.0 Menu Items with Descriptions
1. My Account
This menu allows customers to make enquiries and requests on their linked accounts
1.1. Check Balance
i. Customer has to select the account of interest, then enter his/her 4-digit PIN.
ii. The account balance would then display on the screen
1.2. See Last 10 Transactions
i. Customer has to select the account of interest, then enter his/her 4-digit PIN.
ii. The last 5 transactions on the account would be displayed
1.3 Change PIN
i. Customer selects the account of interest, then enters his/her 4-digit PIN.
ii. Enter and confirm new 4-digit PIN
iii. Confirmation then displays on screen
1.4 Call our Contact Centre
i. The Contact Centre numbers and email address is displayed on the screen
2. TRANSFERS
This option allows for customers to do fund transfers from, or to other accounts.
2.1 An NIB Account Customer can move funds from his/her registered account to another NIB account.
i. Customer selects the account of interest, then enters his/her 4-digit PIN.
ii. Customer enters the receiving account number and amount to be transferred.
iii. Customer has to confirm transaction details before funds are transferred.
2.2 Other Banks
Customers can move funds from their registered account to an account at another Bank.
i. Customer selects the account of interest, then enters his/her 4-digit PIN.
ii. Customer selects the Bank to transfer to
iii. Customer enters the receiving account number and amount to be transferred.
iv. Customer then confirms transaction details before funds are transferred.
2.3 Wallet Transfers
This menu is used for the transfer of funds from registered NIB Accounts to mobile money wallets provided by Mobile Network Operators (MNOs)
i. Customer selects the account of interest, then enters his/her 4-digit PIN.
ii. Customer then selects mobile network operator
iii. Customer enters the recipient’s mobile number and amount to be transferred.
iv. Customer has to confirm transaction details before funds are transferred
3. BUY AIRTIME
Customers may use this menu to purchase mobile airtime directly from their accounts.
3.1 My Number
i. Customer selects the account of interest, then enters his/her 4-digit PIN.
ii. Customer enters the purchase amount, then confirms the transaction.
3.2 Other Number
i. Customer selects the account of interest, then enters his/her 4-digit PIN.
ii. Customer enters the recipient’s mobile number and amount to be purchased.
iii. Customer has to confirm transaction details before funds are transferred.
4. BILL PAYMENTS
Customers can make bill payments to various merchants
4.1 TV Bills
i. Customer selects the bill type (GoTV, DSTV, TV License, ect.)
ii. Enter the Device ID provided by vendor/merchant
iii. Select account of interest, and enter 4-digit PIN.
iv. Customer has to confirm transaction details before funds are transferred.
4.2 Utility
i. Customer selects the bill type (MTN Bills, Vodafone Broadband)
ii. Enter the billing ID provided by vendor/merchant
iii. Select account of interest, and enter 4-digit PIN.
iv. Customer has to confirm transaction details before funds are transferred.
5. INTERNET BUNDLE
Customers can use this option to buy internet bundles from selected Internet Service Providers (ISPs).
i. Customer selects the ISP (Surfline, surfPlus, Busy4G, etc.)
ii. Enter the mobile number provided by the ISP
iii. Select the type of bundle
iv. Select account of interest, and enter 4-digit PIN.
v. Customer has to confirm transaction details to finalise the transaction.
6. ACTIVATE SERVICE
Customers can self-register for the service.
i. Customer selects option to subscribe to service
ii. Enter account number to be linked to service.
iii. Receive confirmation SMS
NB: The mobile number used should necessarily be linked to the selected account number in T24. If this is not the case, customer will be requested to visit the Branch for enrolment.