BILL PAYMENTS & FUND TRANSFERS

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1 USER GUIDE SMART ONLINE BANKING SYSTEM ELECTRONIC BANKING UNIT, 21 ST FLOOR, BANK OF CEYLON HEAD OFFICE.

2 Table of Contents Payment options... 1 Pay now... 1 Pay later... 1 Pay Periodically... 2 Fund Transfer Limits... 2 Bill Payments... 3 Add Billers... 3 Add a biller as Ordinary/Unregistered... 5 Add a biller as Register... 6 Bill Payment... 8 Bill payment to a registered biller... 9 Bill payment to an unregistered biller Fund Transfer Beneficiary Maintenance Add Third Party - BOC Account Add Third Party Other Bank Account View/Modify/Delete beneficiaries Transfer funds Own Account Transfer Third Party BOC Accounts Select Beneficiary (Third party - BOC accounts) Transfer funds to another BOC account which is not belong to you Example: Transfer funds to another BOC account which is not belong to you Third Party Other Banks Select Beneficiary (Third party Other Bank accounts) Transfer funds to Other Bank account Example: Transfer funds to Other Bank account (Non BOC)... 29

3 Payment options You can choose the payment options when you make a payment to a biller or transferring funds to an account. Pay now: payment will be submitted to the biller/account at the same time of your transaction submitted. Subjected to the availability of funds and the status of the account Pay later: You can select the date on which the payment should be made for the biller/account Subjected to the availability of funds and the status of the account Page 1 of 30

4 Pay Periodically: You can use this option, if you know the payment amount which needs to be done for a particular biller repeatedly (periodically) Subjected to the availability of funds and the status of the account Fund Transfer Limits Fund transfer limit applicable for customer will be assigned by the bank. Limit will be applied for all debit allowed accounts under your name. Limit will be applicable to different categories and number of transactions allowed for different categories will also be limited. You are allowed to reduce the assigned limit and increase the limit upto approved amount, which will be applied immediately. Any request of higher limit package should be requested to the branch. You are advised to keep your limit at minimum level to mitigate the risk. Page 2 of 30

5 Bill Payments You can pay bills for several billers using the BOC Internet & Mobile Banking System. All billers should be registered prior to payment whether it is registered or unregister. You can make immediate payments at the same time or scheduled payments to future date. If you are a new user, you will have to add billers. If you were a user of OLD - BOC Internet Banking System, you can view the migrated bill/biller details in the system under Bill Payments Add Billers Click on Bill Payments and Register Biller If you are a new user to the system, you will see the message displayed here Click on Add New Biller Please select customer Please select the biller Page 3 of 30

6 Select a Biller: Please select the biller from the list of billers Biller Type: Two options are available Ordinary/Unregistered: You can register a biller without any account number and could be used to pay bills by typing the account number at the time of payment You can t edit the nickname if you add Ordinary/Unregistered biller Register: You can add a biller with account number and you will no need to type the account number at every time you pay the bill for that account number. (eg:mobile number) o Account number with biller: will be renamed according to the biller selected o Nickname: could be used to identify your favorite billers Page 4 of 30

7 Add a biller as Ordinary/Unregistered You can t add a nickname or number to the billers when you register billers as Ordinary/Unregistered. You can add the number when you pay for the biller. This option will allow user to pay for custom numbers of the biller. Your added biller will be displayed in Biller information page which could be accessed through Register Biller Page 5 of 30

8 Add a biller as Register You can add a nickname or number to the billers when you register billers as Register. You can t add the number when you pay for the biller. This option will only allow user to pay for the registered number of the biller. Your added biller will be displayed in Biller information page which could be accessed through Register Biller Page 6 of 30

9 Delete Biller Your added biller will be displayed in Biller information page which could be accessed through Register Biller Select the biller you need to delete and press Delete Press confirm Delete biller successful message will be displayed. List of billers who are in the user account will be displayed without the biller you ve deleted before. Page 7 of 30

10 Bill Payment You can pay bills using Pay Bill in the Bill Payments menu Please select customer Please select the biller Page 8 of 30

11 Bill payment to a registered biller 1. Select Customer 2. Select Biller (the account number displayed at the end of biller name) 3. Will display the account number attached to the biller a. eg: i. mobile number for this example 4. Click on next 5. Select the account which should be debited to pay the bill amount. 6. Type Bill amount 7. Select the method which bill should be paid. (Pay now, Pay later or Pay periodically) 8. Submit Confirm the details in Pay Bills-Verify page Page 9 of 30

12 Bill payment to an unregistered biller 1. Select Customer 2. Select Biller 3. Type the account number related to the biller a. eg: i. mobile number for this example 4. Click on next Please select customer Please select the biller Type the account number related to the biller 6. Select the account which should be debited to pay the bill amount. 7. Type Bill amount 8. Select the method which bill should be paid. (Pay now, Pay later or Pay periodically) 9. Submit Confirm the details in Pay Bills-Verify page Page 10 of 30

13 Fund Transfer With BOC SMART online Banking system, you can transfer money (funds) Within your Own BOC accounts To third party BOC accounts To third party other bank accounts. No need to add your own accounts because all your fund transfer allowed accounts will be available in the Own Account Transfer page You can select third party accounts at the Third Party BOC Accounts page. If you need to add new third party BOC account, it could be done using Beneficiary Maintenance You can select third party Other bank accounts or Credit Cards at the Third Party Other Banks page. If you need to add new third party other bank account, it could be done using Beneficiary Maintenance Beneficiary Maintenance You can add or delete any third part BOC or Other Bank account using this page. You can search existing third party accounts using the search filters in the page Page 11 of 30

14 Add Third Party - BOC Account Select Third Party BOC Accounts from the drop down menu in Transaction Type and press Create Beneficiary Template 1 2 Add beneficiary name to identify the account for yourself Beneficiary Account number Type the correct account number here. If you are having any doubt, please contact the account holder. Beneficiary will be sent to the address provided here when fund transfer is done to the account number stated here. This is not mandatory. But it s an option to confirm the receiver about the credit transfer to the account. (Separate will be sent to your address when fund transfer is completed. So, no need to add your address here) Page 12 of 30

15 Pressing Add will display the account holders name as per the bank (Beneficiary Name as per Bank) to verify if the account number is correct. Please add the correct account number if it s not as per the name you knows. Beneficiary Name as per Bank is displayed for your reference only. Pressing Confirm will display Add Beneficiary Confirm page Added accounts could be searched at Beneficiary Maintenance page or at Fund Transfer pages Page 13 of 30

16 Add Third Party Other Bank Account Select Third Party-Other Banks for Transaction Type and click on Create Beneficiary Template 1 2 Add beneficiary page Page 14 of 30

17 Nick Name Type the nickname here. It will help you to identify the account Beneficiary Name Type the account holder name. Please use actual name for this. This name will appear in the E-recipts Destination Type Please select Account Credit or Other Bank Credit Card Receive over the counter is not implemented yet Beneficiary will be sent to the address provided when fund transfer is completed to the account number stated here. This is not mandatory. But it s an option to confirm the receiver about the credit to the account. (Separate will be sent to your address when fund transfer is happened. So, no need to add your address here) Beneficiary Account Number Type the correct account number here. If you are having any doubt, please contact the account holder. Format of the bank account numbers could be viewed by clicking on the link provided at the bottom of the Add Beneficiary page. Processing mode Select the processing mode. If you wish to send funds using CEFT and SLIPS (both modes) to the same account number, you should add the same number as CEFT and SLIPS. Two separate entries should be added for CEFT & SLIPS Bank code/ Bank Name/ Branch Name Please use magnifier glass to select the Bank details. Popup will be displayed to find the bank branch. Use search filters to find the correct branch. Fields will be filled automatically Page 15 of 30

18 Select Bank Page 16 of 30

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21 View/Modify/Delete beneficiaries Select Beneficiary Maintenance from the payments menu Select Transaction Type -Mandatory Type search filters (Nickname, Beneficiary Name or etc)-not mandatory Click Search Will display the beneficiaries available under the user. You can view, modify, delete available beneficiaries here Page 19 of 30

22 Transfer funds Own Account Transfer To identify the transaction inside the account Existing Template Make new payment User Reference Source Account Destination Account Payment Details Transfer Amount You can open templates saved in the system for Own Account Transfer You can save templates by using Save as template, Save as Draft and Save & Submit Data in selected template will be expanded (filled) in to the fields of the page and you can make changes if needed. You can transfer funds using this selection. You will have to feed every detail about the fund transfer Type any reference you need to identify the transaction yourself Select debit account Select Credit account Type the transfer amount here Page 20 of 30

23 Payment method Description View Limits Save as Template Save as Draft Initiate Save and Submit Select the payment method (Pay now, Pay Later, Pay Periodically) (Please refer Payment methods in the beginning of this document) Add the reference here to identify the fund transfer. This field will be written to the account Limits assigned to the user could be viewed. Details entered could be saved to use later. Save the details entered in to the page to be used later. Transaction will be submitted to process. Transaction will be saved in templates and submitted to process. Example: Transfer funds to another BOC account which is belong to you Page 21 of 30

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25 Third Party BOC Accounts With BOC SMART online banking system, you can easily transfer funds/money to BOC accounts which are not belong to you. Select Beneficiary (Third party - BOC accounts) Please click on the Magnifier glass icon near the Beneficiary account label Search using search criteria or just press Search to view all 3 rd party BOC account list Page 23 of 30

26 Transfer funds to another BOC account which is not belong to you Add user reference Select Source Account Use Magnifier glass icon to select the Beneficiary Account Type Transfer amount & Select Currency Select payment method from 3 options Add a Description to be added to account with the transaction Click on initiate to submit the transaction or any other option as your need Page 24 of 30

27 Example: Transfer funds to another BOC account which is not belong to you Page 25 of 30

28 Third Party Other Banks With BOC SMART online banking system, you can easily transfer funds/money to accounts which are not maintaining with Bank of Ceylon. Page 26 of 30

29 Select Beneficiary (Third party Other Bank accounts) Please click on the Magnifier glass icon near the Beneficiary name label in Beneficiary Details Search using search criteria or just press Search to view all Other Bank account list registered by you. Page 27 of 30

30 Transfer funds to Other Bank account Add user reference Select Source Account Use Magnifier glass icon to select the Beneficiary Account Will depend on the account and the registered processing mode of the account selected Type Transfer amount & Select Currency Add a Description to be added to account with the transaction Click on initiate to submit the transaction or any other option as your need Page 28 of 30

31 Example: Transfer funds to Other Bank account (Non BOC) Page 29 of 30

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