What is the official website of the payment service?
https://www.jkbank.com
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Where can I find the customer support contacts?
Customer support contacts are listed under 'Contact Us' at the bottom of the Jammu & Kashmir Bank homepage.
What is the hotline phone number?
1800-1800-234
Is there a toll-free support number?
Yes, the toll-free number is 1800-1800-234 for general banking queries.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Yes, service-specific emails are provided for credit cards, priority banking, and grievance redressal.
Where can I find the online chat support?
Jammu & Kashmir Bank does not publicly list an online chat support feature on its main website.
Does the chat support work 24/7?
Chat support is not currently offered by Jammu & Kashmir Bank.
Is there support through messengers (Telegram, WhatsApp)?
Support via Telegram or WhatsApp is not listed as available for Jammu & Kashmir Bank.
What are the support working hours?
Support hotline typically operates from 10:00AM to 5:00PM, Monday through Saturday, excluding public holidays.
Does support work on weekends and holidays?
Customer support is unavailable on Sundays and national holidays; Saturday support may be limited.
Are there regional offices for in-person visits?
In-person support is available at Jammu & Kashmir Bank branches and regional offices across India.
Where are the physical offices located?
Main office at M.A. Road Srinagar, J&K; branch locator tool provides addresses for other branches.
Can I schedule a personal meeting?
Personal meetings can be scheduled by contacting a branch or relationship manager directly.
Are there representatives in different countries?
Jammu & Kashmir Bank does not list international representative offices; it operates mainly within India.
In which languages is support available?
Support is available in English, Hindi, and Urdu depending on branch location and staff availability.
How quickly does support respond to requests?
Phone queries are usually answered within minutes; email responses generally take 1–2 business days.
Is there a priority system for VIP clients?
Priority banking services offer faster support and dedicated relationship managers for premium clients.
Can I request a callback?
Callback requests can be made via branch visit, official email, or web contact form.
When was the payment service founded?
Jammu & Kashmir Bank was founded in 1938.
Who is the founder and owner of the service?
Founded by Maharaja Hari Singh; majority ownership lies with the Government of Jammu & Kashmir.
In which country is the company registered?
Registered in India under the Companies Act and regulated by the Reserve Bank of India.
What is the development history of the payment service?
Established in 1938, expanded across J&K and India, introduced digital banking and payment services over decades.
Have there been major updates or rebranding?
The bank has modernized its services and digital platforms; no major rebranding events recorded in recent years.
Who sits on the company's board of directors?
Board members include Managing Director, CEO, independent and non-executive directors as per regulatory disclosures.
Are there investors or partners in the service?
The Government of Jammu & Kashmir is the major shareholder; partners include financial institutions and payment networks.
Does the company participate in stock trading?
Yes, listed on the National Stock Exchange (NSE) and Bombay Stock Exchange (BSE) in India.
What is the company's market capitalization?
Market capitalization regularly fluctuates and can be checked on BSE/NSE; $350M is a recent approximation.
Are there subsidiary companies or branches?
Jammu & Kashmir Bank operates many branches across India but does not have separately listed subsidiaries.
What licenses does the payment service have?
Licensed by the Reserve Bank of India for banking, financial, and payment services.
In which jurisdictions does the service operate officially?
Officially operates in India, with a primary focus on Jammu & Kashmir and Ladakh regions.
Are there licenses for cryptocurrency operations?
Jammu & Kashmir Bank does not offer cryptocurrency services and has no relevant licenses.
Does the service comply with AML/KYC requirements?
Full compliance with Indian AML and KYC regulations is required for account opening and payments.
Are there security certificates (PCI DSS, etc.)?
Banking platforms use PCI DSS, SSL encryption, and regular audits for secure payment processing.
Has the service undergone security audits?
Regular security audits are conducted as per RBI, PCI DSS, and internal risk management standards.
Is there insurance for client funds?
Deposits are insured under the Deposit Insurance and Credit Guarantee Corporation (DICGC) up to applicable limits.
Which international standards does it comply with?
Complies with ISO, RBI, PCI DSS, and other banking/financial standards applicable in India.
Have there been any regulatory fines or violations?
No major regulatory violations or fines have been reported in recent years.
Where can I find real reviews about the service?
User reviews are available on Google Play, App Store, consumer forums, and financial review websites.
What are the main user complaints?
Common complaints include slow app performance, limited digital features, and branch service delays.
What do users most often praise the service for?
Users praise helpful staff, reliable branch services, and wide regional network in Jammu & Kashmir.
Are there issues with fund withdrawals?
Occasional delays in electronic transfers and ATM withdrawals have been reported during peak times or outages.
Is the interface convenient according to users?
The web and mobile interfaces are considered basic but functional; suggestions for modernization are frequent.
Are clients satisfied with transaction speed?
Transaction speed for in-bank operations is satisfactory; digital payments can be slow during upgrades or outages.
Do users recommend this service?
Most users in J&K recommend the bank for local payments and banking; ratings are mixed outside the region.
How do experts assess the service's reliability?
Experts regard Jammu & Kashmir Bank as reliable for traditional banking, but note digital transformation is ongoing.
Are there industry awards and recognitions?
Awards received for regional banking excellence; details updated on bank’s website and press releases.
Does the service participate in payment system rankings?
Regularly appears in regional and national banking service and payment system rankings.
Are there recommendations from financial regulators?
RBI and regional regulators periodically commend operational resilience and compliance.
What reputation does the service have among partners?
Reputable among regional merchants and partners for secure payments and consistent banking.
How do they evaluate solution innovation?
Innovation is seen as moderate; more digital features and fintech adoption are encouraged.
Are there quality service certificates?
Holds RBI, ISO and industry-specific certifications for banking service quality.
Does the company participate in industry conferences?
Representatives attend Indian banking and payment technology conferences yearly.
How does the service position itself in the market?
Positions itself as a trusted regional bank with expanding digital and payment platforms nationwide.
Which fiat currencies does the service support?
Supports Indian Rupee (INR) for all payment and banking services.
Are cryptocurrencies supported? Which ones specifically?
Cryptocurrencies are not supported by Jammu & Kashmir Bank at present.
Is there a proprietary cryptocurrency or token?
No proprietary cryptocurrency or token exists.
Can currencies be converted within the service?
Foreign currency conversion is available for account holders through branch-based forex services.
What exchange rates are used for conversion?
Exchange rates are set using RBI rates and standard forex sources updated daily.
How often are exchange rates updated?
Exchange rates are updated daily according to RBI and global market fluctuations.
Are stablecoins supported?
Stablecoins are not supported by Jammu & Kashmir Bank.
Can exotic currencies be handled?
Some exotic foreign currencies are handled via branch forex desks subject to RBI guidelines.
What types of transfers does the service support?
Supports NEFT, RTGS, IMPS, UPI, and intra-bank transfers; also offers cash, cheque, and demand draft payments.
Can transfers be made between service users?
Peer-to-peer transfers are enabled within the bank via IMPS/UPI and branch transactions.
Are transfers to bank cards supported?
Direct transfers to debit/credit cards are not typical; funds are credited to accounts associated with cards.
Can money be transferred to bank accounts?
Yes, transfers to other bank accounts via NEFT, RTGS, IMPS, and UPI are supported.
Is bill payment available?
Bill payment facilities for utilities and services are offered online and at branches.
Are recurring payments supported?
Recurring payments can be set up using Auto Debit, ECS, or Standing Instructions.
Can automatic transfers be set up?
Automatic scheduled transfers are available via Standing Instructions and NetBanking.
Is payment scheduling available?
Payment scheduling is allowed for fixed dates via branch or online banking.
Are group payments supported?
Multiple account fund transfers can be arranged in-branch, but group payment functions in digital platforms are limited.
Can payment links be created?
Payment link generation is not a core feature; UPI collect requests serve similar purposes.
What are the minimum transaction amounts in the service?
NEFT/RTGS/IMPS minimums start at ₹1; other services may have varying minimums per product.
What are the maximum amounts that can be transferred?
RTGS: No upper limit; IMPS: Up to ₹200,000/day; NEFT: RBI limits apply.
Are there daily limits on operations?
Daily limits depend on payment mode; e.g., IMPS ₹200,000, UPI limits as per app.
What monthly and annual limits are in effect?
Monthly and yearly transaction limits are determined by RBI and internal policy.
Can limits be increased? How?
Limits can be increased by branch request, higher account status, or enhanced verification.
Do limits differ for verified users?
Verified accounts generally have higher transaction limits than non-verified ones.
Are there restrictions for new accounts?
New accounts may have introductory limits until KYC and activation is fully completed.
Do special limits apply in different countries?
Limits are governed by RBI and may vary for NRI and foreign currency operations.
Can operations be temporarily blocked?
Temporary blocking is possible for suspected fraud, user requests, or regulatory checks.
Are there limits on the number of daily operations?
Yes, digital platforms may impose daily transaction count limits per account.
What are the minimum amounts for account funding?
Minimum deposit for new accounts typically starts at ₹1,000; varies by account type.
What methods of funding are supported?
Accepts cash, cheque, NEFT, RTGS, IMPS, UPI, and online transfers for funding accounts.
Are there fees for funding?
No fees for cash deposits; digital transfers may incur nominal charges above free limits.
What are the minimum funding amounts?
Minimum funding usually ₹1,000 for savings accounts; lower for digital wallets if available.
How quickly are funds credited when funding?
Instant for cash/IMPS/UPI; NEFT/RTGS typically within 1–24 hours depending on banking hours.
How can money be withdrawn from the system?
Withdrawals by cash, ATM, cheque, digital transfer, or branch requests.
Are there fees for fund withdrawal?
Withdrawal fees apply for ATM out-of-network, cheques, and some electronic transfers.
How long does withdrawal take?
Cash and ATM are instant; digital transfers NEFT/RTGS/IMPS within minutes to hours.
What withdrawal limits are set?
ATM withdrawal limits usually ₹25,000/day; higher limits on elite accounts; other limits per RBI and account type.
How quickly are funds credited when funding with a card?
Card-based instant deposits may be available for select customers.
How long does a bank transfer take?
NEFT: up to 24 hours; IMPS: immediate; RTGS: real-time within banking hours.
How quickly do cryptocurrency transfers arrive?
Cryptocurrency transfers are not supported.
Are transfers between users instant?
IMPS/UPI and intra-bank digital transfers are typically instant.
Are there delays when funding on weekends?
Digital deposits may be delayed on weekends depending on the payment system used (e.g., NEFT).
Do holidays affect funding speed?
Banking holidays can delay processing for some transfer types; instant digital methods may still work.
Can crediting be accelerated for a fee?
No official express crediting service; immediate processing is standard on supported platforms.
What determines the speed of funding processing?
Method used, banking hours, regulatory checks, server uptime, and compliance requirements.
Are there notifications about funding status?
Email/SMS/online portal notifications track account funding status in real-time.
What to do if funding takes too long?
Contact customer support, check notifications, or visit the nearest branch for assistance.
How quickly are withdrawal requests processed?
ATM and branch withdrawals are instant; digital withdrawal processing depends on mode.
How long does card withdrawal take?
Card withdrawal at ATM is instant within daily limits.
How quickly do bank transfers arrive?
NEFT: up to 24 hours; IMPS: immediate; RTGS: real-time as per banking hours.
Are cryptocurrency withdrawals instant?
Cryptocurrency withdrawals are not supported.
Are there withdrawal delays on weekends?
Weekend delays can occur for NEFT and branch-based withdrawals; digital platforms may process instantly.
Do holidays affect withdrawal speed?
Banking holidays can impact withdrawal timelines for branch and NEFT transactions.
Can withdrawal be accelerated for an additional fee?
No express withdrawal service available; standard processing applies.
What determines withdrawal processing time?
Method of withdrawal, regulatory checks, banking hours, and internal system status.
Are there notifications about withdrawal status?
Withdrawal status notifications are sent via SMS/email or online banking alert.
Can a withdrawal request be canceled?
Withdrawal cancellation only possible before transaction is processed; request branch or support for assistance.
How to register with the payment service?
Register at branch or online by submitting identification, proof of address, and completing KYC forms.
What data is needed to create an account?
Name, photo ID, address proof, PAN card (for Indians), phone, and email address.
Can registration be done without email?
Registration typically requires an email address, though phone-only registration is allowed for basic accounts.
Is phone confirmation required during registration?
Phone verification via OTP is often required for security and account confirmation.
Can a corporate account be created?
Corporate, business, and institutional accounts can be created with board resolutions and documentation.
Is it required to provide real data?
Accurate personal and business data are required as per KYC guidelines for account creation and operation.
How long does account activation take?
Activation typically within 1-3 business days after document verification.
What verification levels exist?
Basic, full, and enhanced KYC verification tiers exist depending on services needed.
What documents are required for basic verification?
PAN card, photo ID, and address proof such as Aadhaar or passport for basic verification.
Are documents needed for full verification?
Further documentation (income proofs, business documents) may be required for full verification and higher limits.
Are digital copies of documents accepted?
Digital copies of documents are accepted for verification, subject to authenticity checks.
How long does the verification procedure take?
Verification ordinarily completes within 1-3 business days, sometimes faster through online portals.
Can the service be used without verification?
Unverified users have very limited access and lower transaction limits; KYC completion is required for full access.
What restrictions apply to unverified users?
Restrictions on transaction amounts, types, payment features, and withdrawal limits apply if KYC is incomplete.
Is address confirmation required?
Yes, address verification is generally required during account opening and significant updates.
Is a selfie with documents required?
Not standard, but may be requested for enhanced verification or remote digital onboarding.
How often do documents need to be updated?
Documents must be updated when expired or as required by compliance; periodic reviews may be conducted.
What encryption technologies does the service use?
SSL/TLS encryption, 128/256-bit security, and PCI DSS compliance secure all banking and payment operations.
Is two-factor authentication supported?
2FA is supported for online and mobile banking using OTP and password/PIN combinations.
Are there SMS confirmations for operations?
SMS OTP is required for key transactions and security alerts in digital and mobile banking.
Is biometric authentication supported?
Fingerprint and facial recognition supported in mobile banking app for select devices.
Is blockchain technology used?
Blockchain is not used in current Jammu & Kashmir Bank payment services.
Is there a multi-level security system?
Multi-layered security includes firewalls, intrusion detection, encryption, and transaction monitoring.
How is user personal data protected?
Data is protected under RBI privacy guidelines with access controls, encryption, and periodic security audits.
Is cold storage used for cryptocurrencies?
No cryptocurrency storage; cold wallets are not applicable.
Is there DDoS attack protection?
Industry-standard DDoS protections and network security measures are maintained.
Are regular security audits conducted?
Security audits are regularly mandated and performed as per RBI and industry requirements.
What anti-phishing protection measures are provided?
Anti-phishing features include website verification, customer education, and transaction alerts.
Is there a suspicious activity detection system?
Automated systems monitor and flag suspicious activities, with manual review by security teams.
How does the service combat money laundering?
AML procedures include transaction monitoring, reporting, customer verification, and regulator compliance.
Is there blocking of suspicious accounts?
Accounts suspected of fraud or money laundering are blocked pending investigation as per bank policy.
What to do when fraud is detected?
Immediately contact bank support, block cards if needed, and file written complaint for investigation.
How to report suspicious activity?
Report via hotline, branch visit, online complaint form, or email to the anti-fraud department.
Is there compensation for damage from fraudsters?
Compensation is reviewed case-by-case; insurance covers certain losses if due process is followed.
What user rights exist for disputed transactions?
Users may dispute transactions through written complaints, investigation, and RBI-mandated resolution procedures.
How to dispute account blocking?
Appeal through customer support, submit identification and request review with supporting documents.
Is there insurance against cyber attacks?
Cyber insurance is in place for business continuity and customer protection as per RBI guidelines.
What fees does the service charge for transfers?
Fund transfer fees depend on mode (NEFT, RTGS, IMPS, UPI); schedule available on bank website.
Are there fees for account funding?
Most deposit methods are free; some digital or out-of-network transfers may have fees.
Are fees charged for fund withdrawal?
ATM withdrawal fees apply beyond free quota; cheque/demand draft withdrawals may also incur charges.
Are there fees for currency conversion?
Currency conversion fees disclosed prior to transaction at branches.
Are there fees for account inactivity?
No inactivity fees for standard savings accounts; special products may differ.
Are there account maintenance fees?
Quarterly account maintenance fees may apply; details depend on account type.
Are fees charged for operation cancellation?
Transaction cancellation fees are not standard; some operations may have administrative charges.
Are there fees for expedited operations?
Express or expedited digital transaction fees are generally not charged.
Are there hidden fees?
Fee structure is transparent and publicly disclosed; hidden fees are prohibited by RBI regulations.
How are fees calculated for large amounts?
High-value transactions attract higher tier fees as specified by RBI and bank schedules.
Are there different tariff plans in the service?
Multiple account types and service plans with distinct fee schedules are available.
What advantages does VIP status provide?
VIP clients benefit from higher limits, dedicated managers, priority service, and special offers.
How to get preferential conditions?
Preferential terms available to high-value clients, corporate accounts, or through relationship manager negotiation.
Are there free operations per month?
Standard accounts offer a predefined number of free ATM withdrawals and digital transactions monthly.
Are there discounts for active users?
Regular and high-value users may receive discounts or cashback as part of loyalty programs.
Are there corporate tariffs?
Corporate and institutional clients have separate tariff and fee structures.
Can individual conditions be obtained?
Individual terms may be negotiated for VIP and business clients with large transaction volumes.
Do promotional codes work for fee reduction?
Promotional offers, fee waivers, and special rates may be extended during campaigns.
Are there cashback programs?
Occasional cashback promotions are offered for debit and prepaid card usage.
Are there discounts for transaction volumes?
Volume-based discounts are provided to business and active account holders upon eligibility.
Is there an official mobile application?
Yes, J&K Bank Mobile Banking app is officially available for customers.
On which platforms is the application available?
Available for Android and iOS on Google Play and Apple App Store.
What functions are available in the mobile application?
Account management, fund transfer, bill payments, statement viewing, and UPI.
Does functionality differ from the web version?
Mobile app covers most core functions; web platform offers extended account and service controls.
Is Touch ID/Face ID supported?
Mobile app supports Touch ID and Face ID on compatible devices.
Can the application work offline?
App requires internet connectivity for transactions; some information may be accessible offline.
Are there push notifications about operations?
Push/SMS notifications on transactions, account changes, and security alerts are available.
Is dark theme supported?
Dark theme is currently not available for J&K Bank mobile application.
How often is the mobile application updated?
Updates are released periodically, typically every quarter or as new features are added.
Are there beta versions of the application?
Beta versions are not officially advertised; updates first go live on app stores.
Is the web interface of the service convenient?
The web interface is basic but functional, allowing secure transactions and account management.
Is responsive design supported?
Yes, responsive web design ensures usability across devices.
In which languages is the interface available?
The interface is available in English; additional regional languages may be present in branches.
Is there a night mode for the website?
Night mode or dark theme is currently not available for the J&K Bank website.
Are hotkeys supported?
Hotkey functionality is limited; primary navigation is via mouse and touch.
Can data be exported?
Account statements and transaction summaries can be exported in PDF/CSV format online.
Is there an API for developers?
Public API access for developers is not openly listed; available for select institutional partners.
Is integration with other services supported?
Integrates with payment gateways and digital wallets for UPI and bill payments.
How often is the web interface updated?
Major updates are rolled out a few times annually; minor updates may occur more frequently.
Are there virtual cards in the service?
Virtual card services are not presently offered; debit/credit cards are physical.
Can disposable cards be created?
Disposable/temporary card features are not available.
Is multi-currency account functionality supported?
Multi-currency account features are not supported; INR is primary currency.
Are there investment products?
Fixed deposits, mutual funds, and government securities are offered as investment options.
Can interest be earned on balance?
Interest is earned on savings and fixed deposit accounts at prevailing rates.
Are there credit products?
Personal, home, business loans and credit cards are available to eligible customers.
Is P2P trading supported?
P2P trading is not offered; the bank focuses on regulated banking and payments.
Can cryptocurrencies be bought/sold?
Cryptocurrency transactions are not supported.
Is there acquiring for business?
Merchant acquiring using PoS terminals and payment gateways is provided.
Are mass payouts supported?
Bulk payments and salary disbursement for corporate clients are available.
Is there a loyalty program in the service?
Rewards and loyalty benefits may be offered on select cards and products.
How are bonus points earned?
Bonus points are accumulated via debit/credit card use and special campaigns.
Is there cashback for operations?
Cashback is periodically available for select card transactions and promotional offers.
Are there referral programs?
Referral rewards may be offered during specific marketing campaigns.
What privileges do VIP clients have?
VIPs receive higher limits, priority support, fee waivers, and personalized banking services.
Are there seasonal promotions and offers?
Regular festive and seasonal promotions on deposits, loans, and cards are announced.
Can premium status be obtained?
Premium status is granted based on account value, transaction frequency, or special programs.
Are there partner discounts?
Discounts are periodically offered through partnerships with select merchants and payment networks.
Are there corporate loyalty programs?
Custom loyalty programs for business clients may be available by arrangement.
Does the service allow operations with online casinos?
Transactions involving online gambling or casinos are not encouraged or explicitly supported.
Are there restrictions on gambling transactions?
Restrictive policies in place for gambling-related transactions as per RBI guidelines.
Can accounts be blocked for casino play?
Accounts may be flagged or blocked for regular gambling activity, subject to policy and compliance.
How does the service view gambling?
Follows strict compliance with RBI directive; gambling transactions are discouraged for personal accounts.
Are there special conditions for gambling?
No special terms; standard banking and compliance rules apply to gambling-related transactions.
Are casino transactions tracked?
Transactions are monitored and may be reported if classified as gambling per RBI anti-money-laundering rules.
Can operations with gambling sites be hidden?
All payment transactions must be transparent and are reported according to compliance requirements.
Are there notifications about gambling expenses?
Gambling expenditures are reflected in statements and transaction alerts.
Are there special fees for gambling operations?
No special fees for gambling; standard transfer fees apply.
Can limits be set on gambling?
Spending limits may be established for specific account types; users may request custom controls.
Is there a self-exclusion function?
Self-exclusion tools are not standard; users may request account restrictions via branch.
Can access to gambling sites be restricted?
Access is typically governed by regulatory restrictions and payment network controls.
Is gambling expense control supported?
Individual advice and support may be offered at branch; digital tools limited.
Are there notifications about limit exceedance?
Transaction alerts notify users when payment or withdrawal limits are reached.
Can operations with casinos be blocked?
Accounts can be blocked if suspicious activity or excessive gambling is detected.
Is there gambling expense statistics?
Gambling expense analytics are not specifically provided.
Is a "cooling-off period" supported?
Cooling-off features are not standard; manual restrictions can be placed for account holders.
Can help be obtained for gambling addiction?
Support referrals are available through branch managers and customer service.
Is there partnership with player assistance organizations?
Not formally listed; general banking support may refer customers to external help.
How to set up gambling expense notifications?
Requests can be made via online banking settings or customer service for alert setup.
Which online casinos accept this payment method?
Indian online casinos accepting bank transfers and UPI may support deposits via J&K Bank.
Are there exclusive partnerships with specific casinos?
No exclusive casino payment partnerships are officially listed.
Do conditions differ when used in different casinos?
Conditions may vary by casino merchant based on their payment integration.
Are there special bonuses for using this method in casinos?
Casino-specific payment method bonuses are not listed.
Can the method be used for both deposits and withdrawals in casinos?
Deposits via bank transfer are widely supported; withdrawals depend on casino and banking regulations.
Are there geographic restrictions for casino usage?
Indian law and RBI regulations restrict gambling payments in some jurisdictions.
How do casino operators typically process transactions from this method?
Online casino bank transfers processed via IMPS/NEFT subject to banking and regulatory compliance.
Are there typical processing times when used with casinos?
Casino deposits via IMPS/NEFT are processed in minutes to hours; withdrawals may take longer.
Do casinos usually charge additional fees for this method?
Some casinos may impose fees for bank transfer deposits; check casino terms.
Are there any known compatibility issues with major casino platforms?
Major Indian casino platforms support NEFT/IMPS with J&K Bank; international platforms may have restrictions.