Electronic Banking and Online Banking

The business card is intended for professionals practicing a liberal profession.

You can choose between:

At ATMs(DAB) :

• Cash withdrawal.
  CIB card activation.
• Transfer between BNA accounts (inter-branch).
• Balance inquiry.
• PIN change.

Mini-statement at the ATM:

• printout of recent transactions made with the CIB card, including payments via POS terminal, internet, and ATM.

At ATMs (GAB):

• Cash withdrawal;
• Cash deposit;
• Account-to-account transfer (to BNA clients);
• Account balance inquiry;
• Account transaction history;
• Check deposit(s);

At POS terminals:

• Pay for your purchases, commission-free, at all shops and stores equipped with POS terminals;

On (TVR):

• Make online purchases from merchant websites using the SMS OTP service;
• Pay all bills payable online on major billing platforms using the SMS OTP service.

It allows you to access your money 24/7 throughout the country via ATMs;
It simplifies and secures payment and withdrawal transactions;
You can subscribe to the SMS Card service:

1.  SMS notification of your account balance
2.  SMS notification of transactions made with your card in real time
   Pay for your purchases in-store with your card or online from home using the SMS OTP service.

SMS OTP (One-Time Password) is a feature that sends a random, one-time password via SMS to the cardholder’s mobile phone.

SMS OTP allows for secure payment validation (bills, purchases, etc.). SMS OTP is the service that allows you to conduct your online transactions securely. A confirmation SMS is sent to you for each transaction to verify your identity.

Step 1: Inserting the Card Verification Value (CVV2):
The CVV2 is the three-digit number printed on the back of the card and is used for authentication during online payments.
Step 2: Sending an SMS containing a code:
The code sent is for one-time use only. The SMS OTP is sent within seconds.
Step 3: User integration of the code:
Upon receiving the code, the user enters it on the platform.
Step 4: Code Validation
After adding the code, validation is required via the client interface.

• You must hold a Business Card;
• Your phone number, provided to your agency , must be valid.

• Make payments/purchases online securely using your bank account details (CIB);
• Benefit from free service with the BNA Islamic Pro package

SMS Banking is a service that notifies you of your account balance and transactions via SMS. This service is offered to customers subscribed to the “E-Banking service.”

• Periodic account balance notifications;
• SMS alerts when your balance reaches a certain threshold;
• SMS alerts when a transaction amount is reached;

• You must be a subscriber to the service with the BNA Islamic Pro package.
• Your phone number, provided to your branch, must be valid.

• Be informed in real time about any transaction on your account;
• The ability to maintain a minimum balance in your account;
• Benefit from preferential pricing with the BNA Islamic Pro package.

SMS CARD is a notification service using short, informative SMS messages sent to the customer’s phone. This service is offered to business cardholders.

• Card status changes:
• The delivery date of personalized cards;
• The activation date of cards;
• Cards placed on hold (deactivation date);
• Cards reported lost or stolen (reason: stolen or lost, reporting date);
• Cards canceled (cancellation date);
• Cards renewed and sent to the bank (sending date);
• Cards replaced and sent to the bank (sending date);
• The card’s expiry date
  An SMS is automatically sent to the cardholder after each change in the card’s status.

Transactional activity:

• ATM/GAB withdrawal transactions with transaction details (date, time, amount);
• Payment transactions with transaction details (date, time, amount);
• Advertising and awareness messages;
• Announcing new products and services offered by the bank;
• Reminding customers of safety guidelines for card use;
• Conducting surveys (INTERACTIVE SMS).
  The SMS is sent in near real-time to the business cardholder.

• Be a business cardholder;
• Your phone number, provided to your agency, must be valid.

• Be informed in real time about all card transactions;
• Competitive monthly pricing.

“WIMPAY-BNA” is a contactless payment solution, usable via mobile phone (smartphone), which operates using smart barcodes (“QR codes”).

“WIMPAY-BNA” is designed for any professional practicing a liberal profession.

• What features does it offer?

• Make payments via smart barcodes (QR codes);

• Perform transfer operations for “WIMPAY-BNA” users

• Send a money request to another WIMPAY-BNA user

• Split the bill;

• Manage your budget;

• Check your balance;

• View your transaction history;

• View your money transfer request history (Received/Sent).

• Pay for purchases and bills (AADL, SONALGAZ, SEAAL, Algeria Telecom, etc.)

• A daily and per-transaction limit of 10,000 DA per day;

• A safe and secure service;

• Request, receive, and transfer money instantly;

• A wide range of possible operations to suit your needs.

• Signing a WIMPAY-BNA service agreement;

• Subscribing to the bank’s e-banking service;

• Having a smartphone with IOS or Android.

• To have an internet connection;

• To download and install the application on your mobile device;