Mobile Phone Banking Services

Too busy to leave your work? Live too far away from your bank?

Pay loans, deposit, or withdraw from your bank account remotely using your cellphone!

Text-A-Payment

Text-A-Remittance

Text-A-Deposit

Text-A-Withdrawal

Text-A-BillPay

Text-A-Sweldo

Text-A-Credit

The Text-A-Payment service is an innovative mobile phone banking service that uses SMS technology to allow microborrowers to make microfinance loan payments. New, existing and repeat borrowers can use the service for payments of their loans.

Rural bank clients only need to enroll at their bank branch, register their mobile phone with Globe’s GCASH service, and then easily load their mobile wallet at any GCASH Cash-In center or re-seller. After completing these steps, bank clients can conveniently and remotely send their loan payment to the bank without incurring the time and expense associated with traveling to a rural bank to make a loan payment. The borrower can pay the loan without leaving her/his business.

Requirements:

• Globe and Touch Mobile subscribers
• Download the GCASH Menu
• Must be a borrower of the bank with outstanding loan account
• Enrollment with the Text-A-Payment Service

Payment Procedures:
1. In your cellphone, select Globe Services (Glove Svcs+) Menu
2. Click on MyFavorites and select GCASH
3. Enter 4-digit MPIN and click OK.
4. Enter your 4-digit MPIN; you will see masked characters represented by asterisks (*)
5. Enter the 11-digit MOBILE PHONE NUMBER for GCASH of the Bank-Branch where you have a loan and click OK.
6. Enter the AMOUNT to pay
7. Enter the following details as instruction in the optional message:

LPAY:(Acct Name)space(Acct Number)

Wherein: LPAY : = is the system indicator that indicates that the GCASH received by the bank is for loan payment Acct Name: = the borrower name Acct Number: = the loan account number Example: The borrower’s name is JOSE REYES and the loan account number is 123-456789 The optional message should contain the following instruction: LPAY:JOSE REYES 123-456789

8. You will then receive a confirmation message. The bank will also receive a confirmation message with the same Transaction Reference Number.

Important:
Save/take note of the Transaction Reference Number found on the confirmation message. This will serve as your electronic receipt or proof payment. Borrower’s Payment must be made before 3:00 PM. All payments received after cut-off time will be considered for next banking day transaction.

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Cash-In and Cash-Out functions as a low-cost remittance service offered by the rural banking industry. The service gives clients a more convenient and low-cost option to existing international and local money transfer services such as Western Union, Uniteller, Pera Padala, LBC and bank-to bank-fund transfers. Anyone who is a GCASH registered Globe or Touch Mobile subscriber can send money phone to phone anytime of the day, even on Sundays and holidays. The Cash-In/Out service can also be used for facilitating cash management of the bank and inter-branch and inter-bank fund transfers.

Requirements:

• Globe or Touch Mobile subscribers
• Download GCASH Menu
• Clients can Cash-In or Cash-Out at accredited GCASH outlets
• Enrollment is no longer required for this service
• To perform GCASH transaction in other outlets other than the bank, please visit Globe Website at www.myglobe.com.ph

Cash-In Procedures:

1. Visit your nearest Rural Bank branch
2. Fill up the GCASH Service Form and submit it to the teller/cashier along with valid ID for verification.
3. Pay Cash (Cash-In amount + applicable service fee) to the Cashier or Teller
4. Cashier or Teller will send you GCASH to you or to the intended recipient equivalent to the Cash-In amount paid
5. Bank will receive a confirmation message. You or your recipient will also receive a notification message with the same reference number
6. Take official receipt (for the charges if applicable) and copy of the GCASH service form from Bank

Cash-Out Procedures:
7. Visit your nearest Rural Bank branch
8. Fill up the GCASH Service Form and submit to the teller/cashier along with valid ID for verification.
9. Ask for the mobile phone number that the bank-branch uses for GCASH transactions
10. Send your GCASH to the MOBILE PHONE NUMBER given by the Cashier or Teller
11. Cashier or Teller will pay you Cash (Cash-out amount less applicable service charge)
12. You receive a notification message. Bank will also receive a confirmation message with the same reference number.
13. Take official receipt (for the charges) and copy of the GCASH service form from Bank


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Depositing money is traditionally done through cash or check credited to a specific bank account, either directly or to other banks through telegraphic transfer or inter-bank fund transfer arrangements. The Text-A-Deposit service removes boundaries and allows for remote, fast, and secure bank deposit services.


The MABS-designed Text-A-Deposit service allows bank clients to send electronic cash value via their mobile phone, which is then immediately credited by the bank to his/her deposit account. The account owner/holder or a relative or friend with a GCASH registered mobile phone may send the deposit. The deposit instructions are encrypted and password protected in the 70-character Optional Message field of the GCASH transaction.

Recipients of electronic cash via the Text-A-Deposit service do not need to own a mobile phone. The sender only needs to indicate the bank account number in the Message field to signify his/her intention to have funds credited directly to the deposit account of the recipient. Through the confirmation message from Globe/GCASH, the bank will identify the sender’s name, account number, account name and reference number including date and time of the transaction and will use this information for purposes of validation and recording Text-A-Deposit transactions.

Requirements:

• Globe and Touch Mobile subscribers
• Download GCASH Menu
• The GCASH Recipient for deposit in the bank-branch must have an active, non-restricted deposit account (of any type: savings or current) account in the bank.
• The Recipient of the GCASH for deposit must enroll to the Text-A-Deposit Service

Sending GCASH for Deposit Procedures:

1. In your cellphone, select Globe Services (Glove SVcs+) Menu
2. Click on MyFavorites and select GCASH
3. Enter 4-digit MPIN and click OK.
4. Enter the 11-digit MOBILE PHONE NUMBER of the Bank-Branch (where the recipient maintained his/her deposit account) and click OK.
5. Enter the amount to be deposited to the recipient deposit account
6. Then enter the following details as deposit instruction for the recipient bank-branch in the Optional Message:

FAO: (Acct Name)space(Acct Number)

Wherein: FAO = is the system indicator - “For the Account Of” - instructing the recipient the bank to credit the GCASH received Acct Name: = is the name of the depositor/recipient who will receive the GCASH being sent by the sender Acct Number: = is the savings or current account number of the depositor/recipient Example: The depositor/recipient’s name is JOSE SANTOS and the savings account number is 567-890123 The optional message should contain the following instruction: FAO:JOSE SANTOS 567-890123

7. You will then receive a confirmation message. The bank who receives your GCASH deposit will also receive a confirmation message with the same Transaction Reference Number.

Note:
If you don’t have a mobile phone, you can course through your GCASH deposit through GCASH accredited bank-branch (with Text-A-Deposit service available). Fill-up the form “To Send Form” and ask assistance from the bank-branch teller or cashier.

Important:
Save/take note of the Transaction Reference Number found on the confirmation message. This will serve as your electronic receipt or proof of deposit. Deposit must be made before 3:00 PM. All deposit received after cut-off time will be processed on the next banking day.

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With the Text-A-Withdrawal service, rural banks can provide services to clients similar to automated teller machines (ATM), point-of-sale (POS) systems, phone banking and internet banking integrated into one access channel and device—the mobile phone.


Banks that offer this service will just need to require clients to register their bank account(s) and sign a debit agreement. Through the Text-A-Withdrawal service, bank clients can virtually withdraw money from their account from anywhere, within banking hours, using their mobile phones. After receiving G-Cash from the bank, the client can convert G-Cash to cash at any accredited bank or G-Cash accredited cash-out merchant, pay bills using G-Cash, or buy goods and services at any merchant accepting G-Cash for payment.

Requirements:

• Globe and Touch Mobile subscribers
• Download G-Cash Menu
• Enrollment to the Text-A-Withdrawal Service
• With at least P1.00 of G-Cash remain in the G-Cash wallet

Procedures:
1. In your cellphone, select Globe Services (Glove SVcs+) Menu
2. Click on MyFavorites and select G-Cash
3. Enter 4-digit MPIN and click OK.
4. Enter the 11-digit MOBILE PHONE NUMBER of the Bank-Branch (where you have maintained your deposit account) and click OK.
5. Enter P1.00 of G-Cash as “Text Fee”
6. Then enter the following details as withdrawal instruction for the bank-branch in the Optional Message:

DAO:(Acct Name) space (Acct Number)space(Amount)

Wherein: DAO = is the system indicator that says “Debit Account Of” instructing the recipient the bank to debit/withdraw from deposit account (savings or current) Acct Name: = is the depositor’s name requesting amount of withdrawal transaction Acct Number: = is the savings or current account number of the depositor Example: The depositor’s name is JOSE SANTOS and the savings account number is 567-890123 and the amount requested to withdraw is P5000 pesos. The optional message should contain the following instruction: DAO:JOSE SANTOS 567-890123 5000

8. You will then receive a confirmation message with a transaction reference number. The bank that receives your G-Cash withdrawal request will also receive a confirmation message with the same Transaction Reference Number.
9. The bank will send you your requested withdrawn amount in G-Cash form. You will receive a confirmation message indicating the amount of G-Cash you by the bank.

Important:
Save/take note of the Transaction Reference Number found on the confirmation message. This will serve as your electronic receipt or evidence of withdrawal. Withdrawal request must be received by the bank before 3:00 PM. Withdrawal request received after cut-off time will be considered for next banking day transaction.

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The Text-A-BillPay (or Text-A-Bill Payment) service is designed for rural banks to facilitate bills payment for local utility companies (electricity, water and cable television), medium enterprises, and local schools. Consumers or customers of these registered enterprises can pay their bills using their mobile phones and pay directly to their local rural bank using G-Cash. Local utility cooperatives, hospitals, schools and other small and medium enterprises in the rural areas are the primary beneficiaries and can register directly with the rural banks for this service.

Requirements:

• Globe and Touch Mobile subscribers
• Download G-Cash Menu
• No need to enroll to this service
• Local Utility Company must have been activated by your nearest rural banks to accept G-Cash for payment

Procedure:
1. In your cellphone, select Globe Services (Glove Svcs+) Menu
2. Click on MyFavorites and select G-Cash
3. Enter 4-digit MPIN and click OK.
4. Enter the 11-digit MOBILE PHONE NUMBER (for G-Cash) of the Bank-Branch (where the utility maintained its deposit account) and click OK.
5. Enter the AMOUNT to pay for the bills
6. Then enter the following details as instruction in the optional message:

BPAY: (Institution Code) space (Acct Name) space (Acct Number)

Wherein: BPAY: = is the system indicator that determines the G-Cash received by the bank is for bills payment Acct Name: = is the subscriber’s account name Acct Number: = is the subscriber’s account number Example: The institution name is LANECO (for Lanao Electric Cooperative) and the name of the subscriber is MICHAEL PEREZ and the subscriber account number is 155-67890 The optional message should contain the following instruction: BPAY:LANECO MICHAEL PEREZ 155-67890

7. You will then receive a confirmation message with a transaction reference number. The bank that receives your G-Cash for bills payment will also receive a confirmation message with the same Transaction Reference Number.

Important:
Save/take note of the Transaction Reference Number found on the confirmation message. This will serve as your electronic receipt or evidence of payment. Bills Payment must be made before 3:00 PM. All payments received after cut-off time will be considered for next banking day transaction.

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This mobile phone banking service also enables rural banks to provide payroll services to their own staff as well as support payroll services for local companies. This minimizes the risk and cost of handling large amounts of cash, preparing checks, and managing payroll servicing. With Text-A-Sweldo, rural banks can provide payroll services quickly and efficiently using the online WIRE service of Globe Telecom to upload payroll files and transmit employees’ salaries directly to their mobile phone wallets allowing employees to pay bills, transfer money to their account, transfer funds to another person, buy goods and services from G-Cash-enabled merchants, or convert electronic cash to airtime load.




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Still under development is the Text-A-Credit service. This service will allow the banks to release loans through their clients’ mobile phone wallets. Banks may also allow pre-approved credit lines for their preferred clients which can be released using the G-Cash platform.

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