What is the official website of the payment service?
https://www.tmb.in
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Where can I find the customer support contacts?
Contact details are available at the bottom of the official website or within the ‘Contact Us’ section.
What is the hotline phone number?
1800 425 1752
Is there a toll-free support number?
Toll-free support is available via 1800 425 1752 across India.
What is the email address for technical support?
Are there separate emails for different types of inquiries?
Official customer support offers specialized emails for credit cards, net banking, and other departments, listed on the website’s contact page.
Where can I find the online chat support?
TMB typically does not provide online chat support; customers may contact via phone, email, or branch.
Does the chat support work 24/7?
Online chat support is not available. Other support channels have specific working hours.
Is there support through messengers (Telegram, WhatsApp)?
Tamilnad Mercantile Bank does not provide support via WhatsApp or Telegram; queries should be directed by phone, email, or branch.
What are the support working hours?
Customer support is usually available Monday to Saturday, 10:00am–5:00pm, excluding public holidays.
Does support work on weekends and holidays?
Customer support is generally not available on Sundays or public holidays; limited hours apply on working Saturdays.
Are there regional offices for in-person visits?
TMB maintains multiple regional offices and branches for in-person assistance throughout India.
Where are the physical offices located?
Major offices are in Thoothukudi, Chennai, and other cities; a complete list is available on the official website.
Can I schedule a personal meeting?
Personal banking and advisory meetings can be arranged by appointment through your local branch.
Are there representatives in different countries?
Tamilnad Mercantile Bank does not maintain international representative offices; services are India-based.
In which languages is support available?
Customer service is available in English, Tamil, and several regional languages.
How quickly does support respond to requests?
Email queries are usually answered within 24–48 hours; phone lines provide immediate assistance during working hours.
Is there a priority system for VIP clients?
Priority customer relationships and dedicated managers exist for select segments; privileges may vary by branch and account type.
Can I request a callback?
Customers can request a callback via the website or by submitting a request at the branch; response typically within one business day.
When was the payment service founded?
Tamilnad Mercantile Bank was established in 1921.
Who is the founder and owner of the service?
TMB was founded by Nadar community members; it is currently a publicly listed and professionally managed entity.
In which country is the company registered?
The company is registered in India.
What is the development history of the payment service?
TMB grew from a regional bank in Thoothukudi into a scheduled commercial bank with pan-India presence; key milestones include adoption of core banking and IPO listing.
Have there been major updates or rebranding?
The bank rebranded from “Nadar Bank” to TMB in 1962 and adopted updated services with digital transformation initiatives.
Who sits on the company's board of directors?
Board includes professional bankers and finance experts; specific names are disclosed annually on the website and in annual reports.
Are there investors or partners in the service?
Investors include public shareholders, major institutional investors, and strategic partners as listed in financial filings.
Does the company participate in stock trading?
Yes, TMB is publicly traded on Indian stock exchanges.
What is the company's market capitalization?
Market capitalization fluctuates and is updated on BSE/NSE according to trading activity.
Are there subsidiary companies or branches?
Subsidiaries are not publicly listed; TMB operates over 500 branches across India.
What licenses does the payment service have?
TMB holds a scheduled commercial bank license from the Reserve Bank of India, plus regulatory approvals for various banking services.
In which jurisdictions does the service operate officially?
TMB operates officially throughout India under RBI regulation.
Are there licenses for cryptocurrency operations?
The bank does not offer cryptocurrency services or hold crypto-specific licenses.
Does the service comply with AML/KYC requirements?
TMB fully complies with RBI-mandated AML and KYC regulations for all banking activities.
Are there security certificates (PCI DSS, etc.)?
TMB employs industry-standard information security measures and is subject to IT audits; PCI DSS may apply to card processing operations.
Has the service undergone security audits?
Regular security audits and IT compliance reviews are conducted in line with RBI directives.
Is there insurance for client funds?
Client deposits are insured up to limits set by the Deposit Insurance and Credit Guarantee Corporation (DICGC).
Which international standards does it comply with?
TMB aligns with Indian regulatory standards including ISO, DICGC, and relevant RBI compliance frameworks for banking.
Have there been any regulatory fines or violations?
Public sources indicate some penalties over the years, mostly for procedural or compliance gaps, as disclosed in annual filings.
Where can I find real reviews about the service?
Reviews are available on Google, Mouthshut, Trustpilot, and app stores for the bank’s mobile application.
What are the main user complaints?
Customers often cite slow issue resolution, online banking glitches, and limited innovation in digital offerings.
What do users most often praise the service for?
Users praise TMB’s reliability, friendly branch staff, personal service, and competitive interest rates.
Are there issues with fund withdrawals?
Some users report occasional delays or technical difficulties; such instances are resolved as per banking norms.
Is the interface convenient according to users?
The bank’s digital interfaces are considered simple and functional, though some users desire more modern features.
Are clients satisfied with transaction speed?
Branch transactions are prompt; digital and mobile banking speeds meet standard expectations.
Do users recommend this service?
Many users recommend TMB for personal banking and local service, though digital banking users seek further improvement.
How do experts assess the service's reliability?
Professional opinions highlight TMB’s solid financials, regulatory compliance, and historic stability in the sector.
Are there industry awards and recognitions?
TMB has received regional and banking sector awards for service quality and customer trust.
Does the service participate in payment system rankings?
The bank features in industry rankings and surveys for regional and retail banking.
Are there recommendations from financial regulators?
TMB receives periodic feedback and recommendations from RBI during inspections and compliance reviews.
What reputation does the service have among partners?
TMB is well-regarded for reliability, business ethics, and local business partnership support.
How do they evaluate solution innovation?
TMB is viewed as moderately innovative, focusing on incremental improvements and digital banking basics.
Are there quality service certificates?
Quality and compliance certificates are maintained as per banking norms and periodically updated.
Does the company participate in industry conferences?
Senior leadership participates in Indian banking and finance conferences and sector forums.
How does the service position itself in the market?
The bank positions itself as a trusted regional player with personalized service and robust financial products.
Which fiat currencies does the service support?
TMB provides transactions in Indian Rupee (INR) and foreign exchange services for major global currencies.
Are cryptocurrencies supported? Which ones specifically?
TMB does not support cryptocurrency services or trading.
Is there a proprietary cryptocurrency or token?
The bank does not provide or support any proprietary token or cryptocurrency.
Can currencies be converted within the service?
Foreign currency conversion is available for eligible clients at branches.
What exchange rates are used for conversion?
Exchange rates follow RBI guidelines and are updated according to prevailing market rates.
How often are exchange rates updated?
Rates are updated daily per market movement and compliance policies.
Are stablecoins supported?
Stablecoins are not supported by Tamilnad Mercantile Bank.
Can exotic currencies be handled?
Selected exotic currencies may be handled for eligible clients based on RBI guidelines.
Are there currency restrictions in different countries?
Country restrictions may apply for forex as per RBI and FEMA policies.
What types of transfers does the service support?
TMB supports NEFT, RTGS, IMPS, intra-bank, and international wire transfers.
Can transfers be made between service users?
Peer-to-peer intra-bank transfers are supported through online and mobile banking.
Are transfers to bank cards supported?
The bank supports transfers to bank accounts via IMPS/NEFT/RTGS; direct transfers to card accounts are industry-limited.
Can money be transferred to bank accounts?
Yes, users can transfer funds to external and internal bank accounts by standard banking processes.
Is bill payment available?
Utility bill payments are available via the mobile app, net banking, and branch channels.
Are recurring payments supported?
Standing instructions for recurring payments are supported for most utility and banking transactions.
Can automatic transfers be set up?
Automated transfers can be set up through standing instructions or scheduled payments.
Is payment scheduling available?
Payment scheduling functions are available for recurring transactions and future-dated payments.
Are group payments supported?
Group payments and splitting functions are not standard features in TMB’s platform.
Can payment links be created?
TMB does not offer payment link creation; merchants may use third-party solutions.
What are the minimum transaction amounts in the service?
Minimum transaction limits vary; for NEFT/IMPS, typically as low as ₹1 per transaction.
What are the maximum amounts that can be transferred?
Maximum transfer limits depend on method, ranging from ₹2,00,000 (IMPS) up to ₹10,00,000 (RTGS).
Are there daily limits on operations?
Daily transaction limits apply for online banking and mobile channels, subject to user profile and verification.
What monthly and annual limits are in effect?
Certain monthly/annual limits exist for types of transfer and account class per regulatory norms.
Can limits be increased? How?
Limits can be increased by submitting an application and required documents at the branch.
Do limits differ for verified users?
Higher limits often apply to fully verified users, as per KYC and customer profile.
Are there restrictions for new accounts?
New accounts may have lower initial transaction limits and restrictions until full KYC is completed.
Do special limits apply in different countries?
For international currency services, limits follow RBI and FEMA guidelines and foreign bank rules.
Can operations be temporarily blocked?
Operations may be temporarily blocked for security, compliance, or user request reasons.
Are there limits on the number of daily operations?
Limits may apply to the number of daily operations, especially for new accounts or high-risk activities.
What are the minimum amounts for account funding?
Minimum deposit for savings may start at ₹100–₹1,000, depending on account type.
What methods of funding are supported?
Funding methods include cash deposit, cheque, NEFT, IMPS, RTGS, ATM transfer, UPI, and mobile deposit.
Are there fees for funding?
Standard deposits are usually free; fees may apply for specific methods like cash deposit at some locations.
What are the minimum funding amounts?
Minimum amounts vary by account and channel; typically ₹100 for savings, higher for fixed deposits.
How quickly are funds credited when funding?
Funds via UPI, IMPS, and cash deposit are credited instantly; cheque and NEFT deposits may take 1–2 business days.
How can money be withdrawn from the system?
Withdrawals are available via ATMs, branch cash withdrawal, cheque, and online transfer to other accounts.
Are there fees for fund withdrawal?
ATM withdrawals may incur charges beyond free limits; branch and online withdrawals are generally free.
How long does withdrawal take?
ATM and branch withdrawals are immediate; online transfers depend on method, typically same day to 2 business days.
What withdrawal limits are set?
Daily ATM withdrawal limits often range from ₹20,000 to ₹40,000; online transfer limits are set per account class.
How quickly are funds credited when funding with a card?
Debit card funding at ATMs and POS is instant; credit card payments are processed per card network rules.
How long does a bank transfer take?
NEFT takes up to 4 hours (business days); IMPS and RTGS are processed in real time or minutes during working hours.
How quickly do cryptocurrency transfers arrive?
TMB does not process cryptocurrency transactions.
Are transfers between users instant?
Intra-bank and IMPS transfers are usually instant or within minutes.
Are there delays when funding on weekends?
Some methods like UPI and IMPS work on weekends; NEFT/RTGS may be delayed until next business day.
Do holidays affect funding speed?
Banking holidays may delay some types of funding until the next working day.
Can crediting be accelerated for a fee?
Express processing is not standard, but some urgent services may attract additional fees.
What determines the speed of funding processing?
Speed depends on method (IMPS, UPI instant; cheque/NEFT require clearing), channel, and compliance checks.
Are there notifications about funding status?
Customers receive SMS/email/app push notifications for completed funding or failed transactions.
What to do if funding takes too long?
Contact branch, customer support, or submit a written inquiry; delays are investigated per policy and resolved.
How quickly are withdrawal requests processed?
ATM, IMPS, and branch requests are processed instantly; cheque and NEFT withdrawals may take 1–2 days.
How long does card withdrawal take?
ATM withdrawals are immediate; cash advances on credit cards follow card issuer timelines.
How quickly do bank transfers arrive?
IMPS or intra-bank transfers arrive instantly; NEFT and RTGS complete during banking hours.
Are cryptocurrency withdrawals instant?
Not applicable; TMB does not support crypto withdrawals.
Are there withdrawal delays on weekends?
Immediate withdrawal channels (ATM/IMPS) work on weekends; NEFT/RTGS may be delayed.
Do holidays affect withdrawal speed?
Banking holidays delay withdrawals requiring manual processing until the next working day.
Can withdrawal be accelerated for an additional fee?
Express withdrawal is not typical in retail banking; urgent processing may be available for business clients.
What determines withdrawal processing time?
Withdrawal speed depends on method, bank network, holidays, and compliance checks.
Are there notifications about withdrawal status?
Withdrawal confirmation is provided via SMS, email, or app notification.
Can a withdrawal request be canceled?
Withdrawal requests can be canceled before processing; after OTP or authorization, cancellation may not be possible.
How to register with the payment service?
Account registration can be completed at branches or through select online onboarding processes with required documents.
What data is needed to create an account?
ID proof, address proof, PAN card, photographs, and contact details are needed for registration.
Can registration be done without email?
Registration can be done without email, but providing it allows digital communications.
Is phone confirmation required during registration?
Phone verification ensures secure onboarding; a mobile number is mandatory.
Are there age restrictions for registration?
Applicants must generally be at least 18 years old.
Can a corporate account be created?
TMB offers corporate, business, and institutional accounts subject to company documentation.
Is it required to provide real data?
Real personal and business data must be provided as per KYC regulations.
Are there country restrictions for registration?
TMB accounts are primarily available to Indian residents and eligible NRIs, subject to RBI norms.
How long does account activation take?
Activation is completed within 1–3 business days after KYC verification.
What verification levels exist?
Basic, full KYC, and enhanced due diligence tiers exist, depending on account type.
What documents are required for basic verification?
PAN card, Aadhaar, and address proof are standard for basic verification.
Are documents needed for full verification?
Enhanced verification requires additional documents (income proof, business documents for non-individual clients).
Are digital copies of documents accepted?
Scanned copies are accepted for initial processing, but originals may be required at the branch.
How long does the verification procedure take?
Verification usually takes 1–3 business days, longer for enhanced due diligence.
Can the service be used without verification?
Limited products may be available; most services require KYC completion.
What restrictions apply to unverified users?
Unverified users face lower limits, reduced functionality, and must complete KYC to unlock all features.
Is address confirmation required?
Address confirmation is mandatory for account opening and some service upgrades.
Is a selfie with documents required?
A selfie/photo with documents may be required for online/digital onboarding.
How often do documents need to be updated?
Documents should be updated upon expiry or as requested during periodic compliance reviews.
What encryption technologies does the service use?
TMB employs SSL/TLS encryption for online services and secures customer data per RBI standards.
Is two-factor authentication supported?
2FA is available for online and mobile banking, using OTPs and device verification.
Are there SMS confirmations for operations?
SMS confirmations are sent for major operations, including login, fund transfer, and account changes.
Is biometric authentication supported?
Biometric login is supported for mobile banking app users and at some ATMs.
Is blockchain technology used?
TMB does not utilize blockchain in its banking infrastructure.
Is there a multi-level security system?
Multilayered security systems protect accounts, transactions, and client data.
How is user personal data protected?
Personal data is secured with encryption, access controls, and regulatory privacy policies.
Is cold storage used for cryptocurrencies?
Not applicable; TMB does not deal in cryptocurrencies.
Is there DDoS attack protection?
Bank IT infrastructure includes standard DDoS protection and network security protocols.
Are regular security audits conducted?
Security audits are conducted regularly, as mandated by RBI and IT policies.
What anti-phishing protection measures are provided?
Client awareness programs, warnings, and transaction monitoring help guard against phishing.
Is there a suspicious activity detection system?
Automated systems monitor and flag suspicious activity for review and action.
How does the service combat money laundering?
AML policies include transaction monitoring, KYC, reporting, and regulatory procedures.
Is there blocking of suspicious accounts?
Suspicious accounts are blocked and reported in line with RBI and AML procedures.
What to do when fraud is detected?
Contact customer support immediately, file a written complaint, and follow investigation and redressal processes.
How to report suspicious activity?
Reports can be made by phone, email, or in-person at branches; forms are available on the website.
Is there compensation for damage from fraudsters?
Compensation is handled per regulatory guidelines and insurance coverage, subject to investigation outcome.
What user rights exist for disputed transactions?
Users can file disputes and expect investigation, resolution, and possible chargeback/refund as per banking norms.
How to dispute account blocking?
Appeals can be filed through written application, support channels, and escalation procedures.
Is there insurance against cyber attacks?
Limited insurance for cyber incidents may apply through third-party coverage and regulatory standards.
What fees does the service charge for transfers?
Fees depend on transfer type; IMPS/NEFT/RTGS have published charges per slab, disclosed before transaction.
Are there fees for account funding?
Most deposit methods are fee-free; charges may apply for cash deposits above limits or at non-home branches.
Are fees charged for fund withdrawal?
Withdrawal fees depend on method; ATMs may have charges beyond free limits, branch withdrawals typically free.
Are there fees for currency conversion?
Forex conversion attracts service charges and margins, disclosed at the time of transaction.
Are there fees for account inactivity?
Inactivity fees are not standard but may apply in some accounts per bank policy.
Are there account maintenance fees?
Basic accounts may be fee-free; premium or special services attract monthly/annual maintenance charges.
Are fees charged for operation cancellation?
Cancellation fees may apply for scheduled, forex, or high-value transfers canceled after initiation.
Are there hidden fees?
Fee schedules are published and transparent; clients are advised to review terms to avoid unexpected charges.
How are fees calculated for large amounts?
Large transactions attract fees per published slabs; forex, RTGS, and premium services have higher charges.
Are there different tariff plans in the service?
TMB offers tiered pricing for basic, premium, business, and salary accounts.
What advantages does VIP status provide?
VIP clients receive priority support, higher limits, and personalized banking relationships.
How to get preferential conditions?
Preferential terms are attained by maintaining high balances, frequent transactions, or qualifying for premium account status.
Are there free operations per month?
Savings accounts offer a limited number of free ATM withdrawals and transactions monthly.
Are there discounts for active users?
Active users may receive fee waivers or benefit from promotional campaigns on select products.
Are there corporate tariffs?
Corporate customers receive tailored pricing and service bundles for business accounts.
Can individual conditions be obtained?
Individualized terms may be negotiated for high-value or long-standing customers via relationship managers.
Do promotional codes work for fee reduction?
Promotional codes are not standard, although seasonal offers may occasionally apply.
Are there cashback programs?
Cashback is typically offered for select debit card and credit card transactions.
Are there discounts for transaction volumes?
Fee reductions may apply for bulk or high-volume transactions by business clients.
Is there an official mobile application?
Yes, TMB offers an official mobile banking app.
On which platforms is the application available?
The app is available for Android and iOS devices.
What functions are available in the mobile application?
Mobile app features include balance inquiry, fund transfer, bill payment, cheque services, and mini statement.
Does functionality differ from the web version?
The mobile app is optimized for mobile use; some advanced features may only be available on web or at branches.
Is Touch ID/Face ID supported?
Touch ID and Face ID biometric login are supported on compatible devices.
Can the application work offline?
Offline functionality is limited; most features require internet connectivity.
Are there push notifications about operations?
Push notifications are available for transactions and account activity in the mobile app.
Is dark theme supported?
Dark mode support varies by app version and device compatibility.
How often is the mobile application updated?
App updates are released periodically, approximately every few months.
Are there beta versions of the application?
Beta versions may be tested internally; public beta access is not standard.
Is the web interface of the service convenient?
Users find the web interface convenient for basic banking and transactions.
Is responsive design supported?
The web platform features a responsive design for tablets and mobile devices.
In which languages is the interface available?
Interface is provided in English and may support regional languages for select features.
Is there a night mode for the website?
Night/dark mode for the website is not universally available.
Are hotkeys supported?
Hotkey functionality is limited and not widely adopted.
Can data be exported?
Account statements and transaction history can be exported and downloaded in digital formats.
Is there an API for developers?
TMB does not currently provide a public developer API.
Is integration with other services supported?
Limited integration is available for UPI, billers, and select payment partners.
How often is the web interface updated?
Web updates are made periodically, at least a few times per year.
Are there virtual cards in the service?
TMB does not offer virtual or disposable cards as standard banking products.
Can disposable cards be created?
Disposable card generation is not supported.
Is multi-currency account functionality supported?
Multi-currency accounts are not standard; forex accounts are available for eligible users.
Are there investment products?
TMB offers fixed deposits, mutual funds, insurance, and other investment products.
Can interest be earned on balance?
Savings, fixed deposit, and select account balances earn interest at published rates.
Are there credit products?
Credit products include loans, overdrafts, and credit cards.
Is P2P trading supported?
Peer-to-peer trading is not supported within TMB’s platform.
Can cryptocurrencies be bought/sold?
The bank does not facilitate cryptocurrency trading or exchange.
Is there acquiring for business?
TMB provides merchant acquiring and POS services for business clients.
Are mass payouts supported?
Business accounts support bulk/ payroll/ mass payout services.
Is there a loyalty program in the service?
Loyalty programs are limited, mainly tied to card usage and specific campaigns.
How are bonus points earned?
Bonus points are earned on eligible debit/credit card and promotional transactions.
Is there cashback for operations?
Cashback is available on select debit or credit card expenditures.
Are there referral programs?
Limited referral programs may be offered during specific campaigns or promotions.
What privileges do VIP clients have?
VIPs get priority support, relationship managers, higher limits, and preferential rates.
Are there seasonal promotions and offers?
Seasonal promotions are available for loans, cards, and select services.
Can premium status be obtained?
Premium status is available with qualifying account balances, select products, or invitation.
Are there partner discounts?
Discount offers with partner merchants are launched periodically, especially for cardholders.
Are there corporate loyalty programs?
Corporate loyalty programs exist for select business and payroll clients.
Does the service allow operations with online casinos?
TMB does not support or promote transactions with online casinos.
Are there restrictions on gambling transactions?
The bank restricts gambling and betting-related transactions following RBI guidelines.
Can accounts be blocked for casino play?
Accounts may be subject to review or restriction if used for prohibited gambling activity.
How does the service view gambling?
TMB follows RBI guidelines and discourages use of accounts for gambling purposes.
Are there special conditions for gambling?
Special conditions for gambling transactions are not provided; such transactions may be disallowed.
Are casino transactions tracked?
Gambling transactions are monitored and reported per regulatory requirements.
Can operations with gambling sites be hidden?
Transaction history is transparent; activity cannot be selectively hidden.
Are there notifications about gambling expenses?
Customers receive standard transaction alerts; dedicated gambling expense notifications are not typical.
Are there special fees for gambling operations?
Gambling transactions are generally restricted; no special fees apply.
Can limits be set on gambling?
Limits on prohibited transactions are enforced as per regulatory policy.
Is there a self-exclusion function?
Customers may request self-exclusion for gambling via written application; system-level tools are limited.
Can access to gambling sites be restricted?
Payment access to gambling merchants is restricted by bank policy and compliance filters.
Is gambling expense control supported?
Expense control tools for gambling are limited, but spending and account alerts can be configured.
Are there notifications about limit exceedance?
Spending alerts and notifications are available for limit violations on all transactions.
Can operations with casinos be blocked?
Casino and gambling transactions can be blocked as per bank rules and compliance.
Is there gambling expense statistics?
Gambling spend analytics are not standard features in digital banking.
Is a "cooling-off period" supported?
Cooling-off features are not standard; self-exclusion may be requested by the account holder.
Can help be obtained for gambling addiction?
Bank staff can advise on self-exclusion and direct clients to external support resources.
Is there partnership with player assistance organizations?
No formal partnership with gambling addiction support groups is disclosed.
How to set up gambling expense notifications?
Standard transaction notifications can be set; dedicated gambling alerts are not a built-in feature.
Which online casinos accept this payment method?
Tamilnad Mercantile Bank is not typically accepted for online casino deposits.
Are there exclusive partnerships with specific casinos?
No known partnerships exist between TMB and casino operators.
Do conditions differ when used in different casinos?
Not applicable; TMB does not facilitate casino-related payments.
Are there special bonuses for using this method in casinos?
No casino-related bonuses exist for TMB payments.
Can the method be used for both deposits and withdrawals in casinos?
Casino payment and withdrawal support is not provided.
Are there geographic restrictions for casino usage?
Casino-related transaction restrictions apply nationally per RBI guidelines.
How do casino operators typically process transactions from this method?
As TMB does not support casino transactions, processing is not applicable.
Are there typical processing times when used with casinos?
Not applicable; TMB does not handle casino payment processing.
Do casinos usually charge additional fees for this method?
No additional fees apply as TMB is not a standard casino payment method.
Are there any known compatibility issues with major casino platforms?
Major casinos do not commonly support TMB account transfers; compatibility is limited.