Kathmandu, Nepal – Garima Bikas Bank stands as a leading financial institution in Nepal, offering comprehensive banking solutions that combine traditional banking excellence with cutting-edge digital innovation. The bank has successfully positioned itself as a pioneer in digital banking while maintaining strong foundational banking services.

Garima Bikas Bank’s strategic focus on digital transformation addresses the evolving needs of modern Nepali consumers, providing seamless online banking experiences, innovative payment solutions, and specialized financial products designed for diverse customer segments.

The bank’s commitment to financial inclusion is evident through its wide range of accessible banking products, from basic savings accounts with minimal balance requirements to sophisticated digital payment platforms that serve both individual customers and businesses.

Complete Savings Account Options

Garima Bikas Bank offers one of the most comprehensive savings account portfolios in Nepal’s banking sector, designed to meet the specific needs of different customer demographics and financial goals.

Detailed Savings Account Comparison

Account Type	Minimum Balance	Interest Rate	Payment Frequency	Target Audience
General Savings	NPR 500	2.75%	Quarterly	Standard customers
Public Saving Account	NPR 100	Standard rate	Quarterly	Mass market accessibility
Senior Citizen Saving	NPR 100	2.75%	Quarterly	Senior citizens (60+)
Foreign Employment IPO	NPR 1,000	5.75%	Quarterly	Overseas workers/IPO investors
Garima 5 in 1 Bachat	NPR 1,000	3.75%	Monthly	Premium savers
Super Savings	NPR 5,000	2.75%	Quarterly	High-balance customers
Garima Nari Savings	NPR 100	Standard rate	Quarterly	Women customers

Specialized Account Features

Foreign Employment IPO Savings Account: This unique offering provides the highest interest rate at 5.75%, specifically targeting Nepali workers abroad who wish to participate in Nepal’s stock market through IPO investments. The account bridges the gap between foreign employment income and domestic investment opportunities.

Garima 5 in 1 Bachat Khata: The innovative account structure provides monthly interest payments instead of quarterly, offering faster liquidity and higher effective returns for active savers.

Garima Nari Savings: Designed exclusively for women, this account promotes financial inclusion with minimal balance requirements, supporting gender-inclusive banking in Nepal.

Account Opening Process

Garima Bikas Bank’s online account opening feature streamlines the customer onboarding process, allowing prospective customers to:

• Complete applications digitally
• Submit required documentation electronically
• Choose from specialized savings account options
• Receive instant confirmation and account details

Credit and Debit Card Services

Garima Bikas Bank provides comprehensive card services through strategic partnerships with global payment networks, ensuring both domestic convenience and international acceptance.

Garima VISA Credit Card

The bank’s flagship credit card operates on the “Buy Now, Pay Later” principle, offering significant financial flexibility for modern consumers.

Credit Card Features and Fees

Feature	Specification	Benefit
Joining Fee	NPR 1,000	One-time activation cost
Annual Fee	NPR 1,000	Yearly maintenance
Interest-Free Period	Up to 45 days	Extended payment flexibility
Minimum Credit Limit	NPR 15,000	Entry-level accessibility
Maximum Credit Limit	NPR 500,000 or 1.5x monthly salary	High spending capacity

Security and Convenience Features

Security Feature	Description	Usage Scenario
3D Secure	OTP verification for online transactions	E-commerce purchases
Contactless Payment	PIN-free payments up to NPR 5,000	Quick retail transactions
Enhanced Fraud Protection	Real-time transaction monitoring	All card usage
SMS Alerts	Instant transaction notifications	Transaction awareness

Geographic Acceptance

• Nepal: Complete nationwide acceptance
• India: Full functionality across Indian merchants
• Bhutan: Comprehensive payment network coverage

Digital Integration

The Garima VISA Credit Card seamlessly integrates with the MOCO App, enabling:

• Utility bill payments (electricity, water, internet)
• Mobile top-up services
• Air ticket booking and travel services
• Easy EMI conversion for large purchases

Garima VISA Debit Card

The debit card provides dual functionality for both traditional ATM transactions and modern digital payments, emphasizing security and convenience.

Transaction Limits and Security

Location	Per Transaction Limit	Daily Limit	Monthly Limit
Nepal ATM/POS	NPR 100,000	NPR 100,000	NPR 400,000
Nepal Online	NPR 100,000	NPR 100,000	NPR 400,000
India Transactions	INR 10,000	Variable	Variable

Advanced Security Features

• 3D Secure (Verified by VISA): Mandatory OTP verification for online purchases
• Instant SMS Alerts: Real-time transaction notifications
• Contactless Technology: NFC-enabled payments for convenience
• SCT-UPI Integration: Seamless cross-border payments between Nepal and India

Digital Banking Platforms

Garima Bikas Bank has developed a comprehensive digital ecosystem that transforms traditional banking through innovative technology solutions.

Garima Digi Batuwa

The bank’s flagship digital platform offers comprehensive banking services through multiple access channels, providing customers with unprecedented convenience and functionality.

Platform Access Methods and Limits

Access Method	Per Transaction	Daily Limit	Monthly Limit
Mobile App (Android/iOS)	NPR 100,000	NPR 300,000	NPR 3,000,000
Web Banking Portal	NPR 500,000	NPR 2,000,000	NPR 3,000,000

Comprehensive Service Portfolio

Core Banking Services:

• Real-time balance inquiry and account statements
• Interbank fund transfers across Nepal’s banking network
• Account management and transaction history
• Digital cheque book requests

Utility Payment Services:

• Electricity bill payments (NEA and private distributors)
• Water supply bill settlements
• Internet and cable TV bill payments
• Traffic fine settlements and government fees

Travel and Transportation:

• Domestic and international flight bookings
• Bus ticket reservations across Nepal
• Cable car and tourism service payments
• Hotel and accommodation booking services

International Customer Support

For Nepali customers living abroad, Garima Digi Batuwa provides specialized access:

• Application Process: Signed application with passport copy submission
• Security: OTP delivery to registered email addresses
• Full Functionality: Complete access to all platform features
• Customer Support: Dedicated international customer service

Garima Smart Teller

This innovative cash withdrawal solution revolutionizes traditional banking by enabling cardless and chequeless transactions directly from bank branches.

Smart Teller Specifications

Feature	Limit/Specification
Per Transaction	NPR 100,000
Daily Maximum	NPR 300,000
Monthly Limit	NPR 1,500,000
Daily Transaction Count	Maximum 20 transactions

Key Benefits

• Enhanced Security: Eliminates risks associated with lost or stolen cards
• Convenience: No need to carry physical payment instruments
• Speed: Faster processing compared to traditional cheque withdrawals
• Accessibility: Available during all banking hours
• Record Keeping: Digital transaction trail for better financial management

Innovative Payment Solutions

Garima Voice Box

Garima Bikas Bank’s Voice Box represents a breakthrough in merchant payment verification technology, addressing critical needs in Nepal’s rapidly expanding digital payment ecosystem.

Technical Specifications

Feature	Specification	Business Benefit
Connectivity	4G SIM support	Reliable network coverage
Battery Life	Long-lasting performance	Minimal maintenance requirements
Audio Languages	5 languages supported	Diverse customer communication
Payment Networks	Fonepay + NepalPay QR	Comprehensive payment acceptance
Monthly Rental	NPR 350	Affordable business investment

Supported Languages

The Voice Box caters to Nepal’s linguistic diversity with audio confirmations in:

• English: International and educated customer base
• Hindi: North Indian and cross-border customers
• Newari: Kathmandu valley indigenous community
• Bhojpuri: Terai region customer base
• Maithili: Eastern Nepal regional language

Merchant Benefits

Instant Payment Verification: Real-time audio confirmation eliminates payment uncertainty and reduces transaction disputes.

Customer Trust Building: Immediate payment acknowledgment increases customer confidence and reduces payment-related conflicts.

Operational Efficiency: Automated confirmation reduces manual verification time and improves service speed.

Revenue Protection: “Never miss a payment, never miss a customer” philosophy ensures complete transaction capture.

Security Features and Transaction Limits

Garima Bikas Bank prioritizes customer security through multi-layered protection systems and carefully designed transaction limits that balance convenience with risk management.

Comprehensive Security Framework

Security Layer	Technology	Protection Level
Transaction Encryption	Advanced SSL/TLS	Data transmission security
Two-Factor Authentication	OTP + Password	Account access protection
3D Secure Protocol	VISA verification system	Online payment security
Real-time Monitoring	AI-powered fraud detection	Suspicious activity prevention
SMS Notifications	Instant transaction alerts	Customer awareness system

Risk Management Through Transaction Limits

The bank’s transaction limit structure provides optimal balance between customer convenience and financial security:

Digital Platform Limits: Higher limits for web banking reflect enhanced security measures and customer verification processes.

Geographic Considerations: Different limits for domestic versus international transactions acknowledge varying risk profiles.

Daily vs Monthly Limits: Structured approach prevents both individual transaction abuse and cumulative monthly overexposure.

Customer Benefits and Accessibility

Financial Inclusion Initiatives

Garima Bikas Bank demonstrates strong commitment to financial inclusion through accessible account options and minimal balance requirements:

Low Barrier Entry: Multiple account options with NPR 100 minimum balance enable broad population access to banking services.

Demographic-Specific Products: Specialized accounts for women, senior citizens, and foreign workers address unique community needs.

Digital Accessibility: Mobile and web banking platforms extend banking services beyond physical branch limitations.

Competitive Advantage Summary

Advantage Category	Specific Benefit	Customer Impact
Interest Rates	Up to 5.75% on specialized accounts	Higher returns on savings
Digital Innovation	Comprehensive online/mobile platforms	24/7 banking convenience
Payment Solutions	Advanced card products with global acceptance	International usability
Security Technology	Multi-layered fraud protection	Enhanced financial safety
Customer Service	Multilingual support and specialized assistance	Inclusive banking experience

Future-Ready Banking

Garima Bikas Bank’s integrated approach to traditional and digital banking positions the institution as a leader in Nepal’s evolving financial landscape. The bank’s commitment to continuous innovation, customer-centric product development, and comprehensive security measures ensures sustained relevance in Nepal’s competitive banking sector.

Through strategic combinations of competitive interest rates, cutting-edge technology, enhanced security features, and inclusive financial products, Garima Bikas Bank delivers more than banking services—it provides a complete financial ecosystem designed for modern Nepal’s diverse customer needs.

The bank’s success in balancing accessibility with sophistication, security with convenience, and traditional banking with digital innovation establishes Garima Bikas Bank as a comprehensive financial partner for individuals, businesses, and communities across Nepal.