Quy nh dch v Ngn hng in t dnh cho KHCN

PL11/Q.DV.004

HNG DN KHCH HNG S DNG

DCH V SMS BANKING

M s: Q.DV.004 Ni b Ln ban hnh: 04 1/12

 Quy nh dch v Ngn hng in t dnh cho KHCN

MC LC

GII THIU CHUNG ............................................................................................................... 3

QUY NH CHUNG ................................................................................................................. 4
1. i tng s dng .......................................................................................................... 4
2. Ti khon giao dch ........................................................................................................ 4
3. u s ngn ca Maritime Bank .................................................................................... 4
4. Gi dch v SMSBanking ............................................................................................... 4
5. ng k dch v .............................................................................................................. 5
5.1. ng k dch v SMS Banking gi truy vn ........................................................ 5
5.2. ng k dch v SMS Banking gi y .......................................................... 5
5.3. ng k dch v nhn bin ng s d ti khon ................................................ 5
6. Mt s quy nh dch v ................................................................................................. 6
6.1. Hn mc giao dch ti chnh ................................................................................. 6
6.2. Tn gi nh (alias) cho cc ti khon ................................................................... 6
6.3. Mt m giao dch .................................................................................................. 6
6.4. Ti khon mc nh .............................................................................................. 6
HNG DN CHI TIT .......................................................................................................... 7
1. Giao dch khng cn ng k dch v SMSBanking ...................................................... 7
1.1. Truy vn t gi ...................................................................................................... 7
1.2. Truy vn li sut ................................................................................................... 7
1.3. Tr gip ................................................................................................................ 7
1.4. ng k dch v SMS Banking gi truy vn ........................................................ 7
2. Giao dch cn ng k dch v SMS Banking gi truy vn ........................................... 8
2.1. ng k dch v thng bo thay i s d ti khon ............................................ 8
2.2. Truy vn s d ti khon ...................................................................................... 8
2.3. Truy vn lch s giao dch/sao k giao dch thc hin .................................... 8
2.4. i ti khon mc nh ......................................................................................... 9
3. Giao dch cn ng k dch v SMS Banking gi y .............................................. 9
3.1. Np tin vo ti khon tr trc ........................................................................... 9
3.2. Chuyn tin trong ngn hng .............................................................................. 10
3.3. Thay i mt m giao dch ti chnh (GDTC) .................................................... 11
MT S LU KHI S DNG DCH V SMSBANKING .............................................. 12

M s: Q.DV.004 Ni b Ln ban hnh: 04 2/12

 Quy nh dch v Ngn hng in t dnh cho KHCN

GII THIU CHUNG

L dch v ngn hng c thc hin thng qua tin nhn in thoi di ng, cho php khch
hng truy vn thng tin ti khon, truy vn lch s giao dch, chuyn khon ni b ngn hng,
np tin cho ti khon tr trc (ti khon in thoi di ng, game online) bng cch son tin
nhn theo c php nht nh v gi ti u s 8049 ca Maritime Bank.

Dch v SMS banking ca Maritime Bank cung cp ti khch hng nhng tnh nng ni bt
bao gm:
- Truy vn thng tin ti khon
- Truy vn lch s giao dch
- Chuyn khon gia cc ti khon ca Khch hng
- Chuyn khon ti cc ti khon ca ngi khc m ti Maritime Bank

- Np tin vo ti khon in thoi di ng tr trc: Viettel/ Mobifone/ Sfone/

Vinaphone/ Vietnamobie/ Beeline;
- Np tin vo ti khon in thoi di ng tr sau MobiFone;
- Np tin vo ti khon DCOM 3G: Viettel/Mobifone/Vinaphone;
- Np tin vo ti khon dch v Game: Vcoin-VTCO/Bac-FPTO/Zingxu-
VinaGame/Oncash-Net2E/ MCash/Pointtq Point Tam quc ch/Pointpp Point
PlayPart;
- Np tin vo ti khon hc trc tuyn: Hocmai- hc mi;

s dng dch v SMS Banking ca Maritime Bank, Qu khch cn c:

- Ti khon tin gi thanh ton m ti Maritime Bank
- ng k dch v SMS Banking

M s: Q.DV.004 Ni b Ln ban hnh: 04 3/12

 Quy nh dch v Ngn hng in t dnh cho KHCN

QUY NH CHUNG

1. i tng s dng

p dng vi khch hng c ti khon tin gi thanh ton bng vit nam ng (M1, M-
money, FCB, MPremier).

2. Ti khon giao dch

- Tt c ti khon tin gi thanh ton bng vit nam ng gn vi CIF ca Khch hng
(trong ti liu ny c gi tt l ti khon)
- Khch hng bt buc phi ng k 01 ti khon lm Ti khon mc nh nu c nhiu
ti khon. Trng hp khch hng c duy nht 01 ti khon, ti khon ny ng
nhin l ti khon mc nh.

3. u s ngn ca Maritime Bank

Hin ti, Maritime Bank cung cp u s ngn l 8049 (ph tin nhn: 500VND/SMS) cho
khch hng s dng.

4. Gi dch v SMSBanking

Dch v SMSBanking c chia thnh 2 gi: Gi truy vn v Gi y

ng k gi truy vn, khch hng c th thc hin cc giao dch sau:

- Truy vn s d ti khon;

- Truy vn lch s giao dch;

- i ti khon mc nh;

- ng k dch v nhn bin ng s d.

ng k gi y cho php khch hng ngoi vic thc hin cc giao dch ca gi truy vn
cn c th thc hin:

- Chuyn khon ni b;

- Np tin in thoi di ng tr trc/game;

- i mt m giao dch ti chnh.

Ngoi ra, khch hng cng c th thc hin cc giao dch di y m khng cn ng k
dch v SMSBanking:

- Truy vn t gi;

M s: Q.DV.004 Ni b Ln ban hnh: 04 4/12

 Quy nh dch v Ngn hng in t dnh cho KHCN

- Truy vn li sut;

- Tr gip;

- ng k dch v SMSBanking gi truy vn.

5. ng k dch v

5.1. ng k dch v SMS Banking gi truy vn

Qu khch c th ng k dch v SMS Banking gi truy vn bng cc cch sau:

- Nhn tin theo c php

MSB DK [s CMT/h chiu] hoc MSB DANGKY [s CMT/h chiu]

gi n u s 8049

- ng k ti quy: khch hng n quy giao dch yu cu ng k dch v

SMSBanking gi truy vn.

5.2. ng k dch v SMS Banking gi y

- ng k ti quy: khch hng n quy giao dch yu cu ng k dch v

SMSBanking gi y .

5.3. ng k dch v nhn bin ng s d ti khon

- Nhn tin theo c php

MSB TB hoc MSB THONGBAO

gi n u s 8049

Khch hng s nhn c tin nhn thng bo bin ng s d qua thu bao c
ng k s dng khi c giao dch lm thay i s d pht sinh trn ti khon thanh
ton ca Khch hng, tr cc giao dch c gi tr v ph di 30.000 Vit Nam ng
hoc cc giao dch thu ph qun l ti khon, ph s dng dch v.

- ng k ti quy: khch hng n quy giao dch yu cu ng k dch v nhn bin

ng s d ti khon. Khi ng k ti quy, khch hng c quyn la chn ti khon
v ti a 02 s in thoi tng ng nhn bin ng t ti khon .

M s: Q.DV.004 Ni b Ln ban hnh: 04 5/12

 Quy nh dch v Ngn hng in t dnh cho KHCN

6. Mt s quy nh dch v

6.1. Hn mc giao dch ti chnh

- Hn mc giao dch/ln: 3.000.000 VND

- Hn mc giao dch/ngy: 30.000.000 VND

Hn mc giao dch ti chnh c th c Maritime Bank iu chnh ty tng thi im v

ty theo nhu cu kinh doanh.

6.2. Tn gi nh (alias) cho cc ti khon

Trong trng hp, khch hng t alias cho ti khon ca mnh v ti khon ca ngi
khc trn InternetBanking, khch hng c th s dng cc alias ny trong cc giao dch
SMSBanking.

6.3. Mt m giao dch

Sau khi ng k dch v SMSBanking gi y , khch hng s nhn c tin nhn thng
bo ng k thnh cng km theo mt m giao dch ti chnh gm 6 k t s.

Khch hng nn i mt m giao dch d nh v bo mt hn.

6.4. Ti khon mc nh

Khi ng k dch v SMSBanking ti quy giao dch, khch hng s c yu cu chn mt

ti khon lm ti khon mc nh (nu khch hng c nhiu ti khon). Khch hng nn chn
ti khon mc nh l ti khon khch hng c nhu cu s dng cao, thng xuyn.

Vic chn ti khon mc nh gip cho cc giao dch ca khch hng d dng, tin li hn.

M s: Q.DV.004 Ni b Ln ban hnh: 04 6/12

 Quy nh dch v Ngn hng in t dnh cho KHCN

HNG DN CHI TIT

1. Giao dch khng cn ng k dch v SMSBanking

1.1. Truy vn t gi

- Khch hng c th tra cu thng tin v t gi ngoi t ca Maritime Bank bng cch
s dng in thoi di ng son tin nhn theo c php gi 8049

MSB TG hoc MSB TYGIA hoc MSB TIGIA

- Khch hng s nhn c thng tin t gi ca 5 ngoi t bao gm: USD, EUR, JPY,
GBP, SGD.

1.2. Truy vn li sut

- Khch hng c th tra cu thng tin v li sut hin ti ca Maritime Bank bng cch
s dng in thoi di ng son tin nhn theo c php gi 8049

MSB LS hoc MSB LAISUAT

- Khch hng s nhn c thng tin v li sut gi tit kim ca Maritime Bank theo
k hn 1 thng, 3 thng, 6 thng, 9 thng, 12 thng.

1.3. Tr gip

- Khch hng c th tra cu cu trc c php giao dch SMS Banking gi truy vn hoc
c php giao dch SMS Banking gi ti chnh bng cch s dng in thoi di ng son
tin nhn theo c php gi 8049.

- Tra cu c php giao dch SMS Banking gi truy vn theo c php (khng phn bit
ch hoa hay ch thng):

MSB HD hoc MSB HELP

- Tra cu c php giao dch SMS Banking gi ti chnh theo c php (khng phn bit
ch hoa hay ch thng):

MSB HD TC hoc MSB HELP TC

1.4. ng k dch v SMS Banking gi truy vn

- Nhn tin theo c php

MSB DK [s CMT/h chiu] hoc MSB DANGKY [s CMT/h chiu]

gi n u s 8049

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 Quy nh dch v Ngn hng in t dnh cho KHCN

- Khch hng s c ng k dch v SMSBanking gi truy vn vi ti khon mc

nh l ti khon khch hng m sau cng nu khch hng c nhiu ti khon. Nu
khch hng c duy nht 1 ti khon th ti khon ng nhin l ti khon mc
nh.

2. Giao dch cn ng k dch v SMS Banking gi truy vn

2.1. ng k dch v thng bo thay i s d ti khon

- Khch hng c th ng k dch v thng bo bin ng s d tt c ti khon hin ti

ca mnh vo s in thoi ca mnh bng cch s dng in thoi di ng son tin nhn
theo c php nht nh gi 8049.

- Cu trc c php (khng phn bit ch hoa hay ch thng):

MSB TB hoc MSB THONGBAO

2.2. Truy vn s d ti khon

- Khch hng c th truy vn s d cc ti khon m ti Maritime Bank ca mnh bng

cch s dng in thoi di ng son tin nhn theo c php nht nh gi 8049.

- Cu trc c php (khng phn bit ch hoa hay ch thng):

Nu truy vn tt c cc ti khon:

MSB SD hoc MSB SODU

Nu truy vn mt ti khon c th:

MSB SD [S ti khon/alias] hoc MSB SODU [S ti khon/alias]

2.3. Truy vn lch s giao dch/sao k giao dch thc hin

- Khch hng c th tra cu lch s giao dch ca ti khon ca mnh bng cch s dng
in thoi di ng son tin nhn theo c php nht nh gi 8049.

- Cu trc c php (khng phn bit ch hoa hay ch thng):

o Sao k TKM:

MSB SK hoc MSB SAOKE

o Sao k TK khc:

MSB SK [s ti khon/alias] hoc MSB SAOKE [s ti khon/alias]

- Khch hng s nhn c lch s giao dch ca 5 giao dch gn nht.

M s: Q.DV.004 Ni b Ln ban hnh: 04 8/12

 Quy nh dch v Ngn hng in t dnh cho KHCN

2.4. i ti khon mc nh

- Khch hng c th i TKM bng cch s dng in thoi di ng son tin nhn theo
c php nht nh v gi ti 8049.

- Cu trc c php (khng phn bit ch hoa hay ch thng):

MSB TKM [s ti khon/alias]

Trong :

o [s ti khon/alias] l ti khon khch hng mun t lm ti khon mc nh

3. Giao dch cn ng k dch v SMS Banking gi y

3.1. Np tin vo ti khon tr trc

- Khch hng c th np tin t TKM ti ti khon dch v ca nh cung cp dch v

bng cch s dng in thoi di ng son tin nhn theo c php nht nh v gi ti
8049.

- Cu trc c php (khng phn bit ch hoa hay ch thng):

MSB NAP [S tin] nu np tin cho chnh ST thc hin giao dch

MSB NAP [S tin] [S in thoi] - nu np tin cho ST khc

MSB NAP [S tin] [M dch v] [Ti khon dch v] nu np tin cho ti

khon game, ti khon hc

Trong :

o [S tin]: l cc mnh gi khch hng mun np.

o [S in thoi]: l s in thoi ca cc mng vin thng Viettel, Mobifone,

Vinaphone, Sfone, EVN

o [M dch v]: l cc dch v game nh Vcoin (VTCO), Bac (FPTO), Zingxu

(Vinagame), Oncash (Net2E), Mcash. Pointtq (Point Tam quc ch), Pointpp
(Point PlayPart) hay dch v hc nh Hocmai (hc mi).

o [Ti khon dch v]: l ti khon game/hc ca khch hng.

- Trong trng hp np tin cho s in thoi khc hoc np tin cho ti khon game/ti
khon hc, khch hng s nhn c tin nhn yu cu xc thc giao dch vi ni dung:

Quy khach vui long gui 8049 de xac nhan GD voi noi dung: MSBxxx*xx, trong do
* la ky tu thu n trong mat ma.

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 Quy nh dch v Ngn hng in t dnh cho KHCN

Khch hng son tin theo hng dn, thay du * bng k t th n trong mt m v gi
ti u s 8049 nhn kt qu giao dch.

Lu :

o Hin ti, khch hng c th np tin in thoi cho cc s in thoi thuc mng
vin thng Viettel, Vinaphone, Mobifone, Sfone, Vietnammobile, Beeline; np
ti khon game Vcoin (VTCO), Bac (FPTO), Zingxu (Vinagame), Oncash
(Net2E), Mcash. Pointtq (Point Tam quc ch), Pointpp (Point PlayPart), ti
khon hc trc truyn Hocmai (hc mi).

o Mnh gi np bao gm: 50.000, 100.000, 200.000, 300.000 v 500.000 VND.

Trong c php tin nhn, khch hng c th ghi s tin l 50000 hoc 50K hoc
50N.

o Hn mc giao dch np tin tun theo hn mc giao dch ti chnh.

3.2. Chuyn tin trong ngn hng

- Khch hng c th chuyn tin gia cc ti khon ca cng 1 ch ti khon hoc chuyn
tin gia cc ti khon ca cc ch ti khon khc nhau m ti Maritime Bank bng
cch s dng in thoi di ng son tin nhn theo c php nht nh v gi ti 8049.

- Cu trc c php (khng phn bit ch hoa hay ch thng):

Nu ti khon ngun l TKM

MSB CK [S tin] [TK ch/alias]

Nu ti khon ngun l TK khc

MSB CK [S tin] [TK ch/alias] [TK ngun/alias]

- Trong trng hp chuyn khon khc ch ti khon, khch hng s nhn c tin nhn
yu cu xc thc giao dch vi ni dung:

Quy khach vui long gui 8049 de xac nhan GD voi noi dung: MSBxxx*xx, trong do
* la ky tu thu n trong mat ma.

Khch hng son tin theo hng dn, thay du * bng k t th n trong mt m v gi
ti u s 8049 nhn kt qu giao dch.

Lu :

o Vic xc nhn giao dch ch thc hin nu chuyn tin gia cc ti khon khc ch
ti khon. Nu giao dch chuyn tin ca cng 1 ch TK th khng cn xc thc.

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 Quy nh dch v Ngn hng in t dnh cho KHCN

o Hn mc chuyn khon tun theo hn mc giao dch ti chnh.

o S tin chuyn khon ti thiu l 50.000 VND/giao dch.

3.3. Thay i mt m giao dch ti chnh (GDTC)

- Khch hng c th i mt m GDTC bng cch s dng in thoi di ng son tin

nhn theo c php nht nh v gi ti 8049.

- Cu trc c php (khng phn bit ch hoa hay ch thng):

MSB TMM [Mt m mi] hoc MSB THAYMATMA [Mt m mi]

- Khch hng s nhn c tin nhn yu cu xc thc giao dch vi ni dung:

Quy khach vui long gui [u s] de xac nhan gd voi noi dung: MSBxxx*xx, trong
do * la ky tu thu n trong mat ma.

Khch hng son tin theo hng dn, thay du * bng k t th n trong mt m v gi
ti u s 8049 nhn kt qu giao dch.

M s: Q.DV.004 Ni b Ln ban hnh: 04 11/12

 Quy nh dch v Ngn hng in t dnh cho KHCN

MT S LU KHI S DNG DCH V SMSBANKING

Thi gian giao dch

Cc giao dch SMSBanking c thc hin v x l 24/24 tt c cc ngy trong tun k c

ngy ngh (th 7, ch nht) v ngy l ch tr cc giao dch sau y.

Dch v Thi gian x l giao dch

6h 22h t th 2 n th 6: Ngn hng x l Yu cu trong ngy.

6h 20h ngy ngh (th 7, Ch nht) v ngy l: Ngn hng x l
Chuyn khon ni
Yu cu trong ngy.
b
Ngoi thi gian trn: giao dch c lu li v x l vo phin lm
vic tip theo.

Ngn hng x l Yu cu 24h tt c cc ngy trong tun, k c th

7, ch nht v ngy l.
Np tin vo ti
khon tra trc Ring thanh ton tin in, giao dch trong thi gian t 17h-18h30
cc ngy trong tun s khng thc hin c v khng c lu li
x l vo phin lm vic tip theo.
Cc yu cu tra sot

Khch hng c th yu cu tra sot cc giao dch SMS Banking bng cch ng nhp vo
Internet Banking v gi th cho Ngn hng qua tnh nng Lin h - Gp trong mc Dch v
khch hng hoc lin h trc tip vi Trung tm Dch v khch hng.

Cc yu cu h tr

Khi c bt c vn g pht sinh, Qu khch c th lin h ngay cho chng ti thng qua s
in thoi ng dy nng 24/7 l (04)39-44-55-66 hoc 1800-59-9999 (min ph).

M s: Q.DV.004 Ni b Ln ban hnh: 04 12/12