Frequently Asked Questions (FAQs)

FMFB-A is committed to answering all your banking questions. Below is a list of FAQs we have compiled that may help in answering your question.

Retail Online Banking FAQ
1) Is there any limitation associated with regard to the amount of transfer?

Yes, as per DAB (Da Afghanistan Bank) circular, Internal you can withdraw or transfer in weekly base AFN 30,000 USD 300 Monthly AFN 100,000 USD 1200.

As per DAB Circular, both in withdrawal and online transferring you can’t cross this limitation the limitation of online banking is 4 transaction per month two online banking and two P2P.

In Domestic Fund transferring, you must provide complete details of the transferring which is not for withdrawal.

International Fund transferring outward is still closed from DAB (Da Afghanistan Bank).


2) How can I make a transfer from my online banking?

Once you login to the FMFB-A Online banking Platform, on the Payments section:

  1. select transfer money
  2. Select manage Payees and Billers
  3. Add new Payee
  4. Enter the details of person you want to transfer money
  5. click on the transfer money option after new payee added to your payee list
  6. select the payee
  7. Chose your account if you have different accounts with FMFB-A mention the amount you want to transfer and details of the transfer 
  8. Click to the transfer button
  9. Review the details of transfer and Click on confirm button
  10. FMFB-A Sent a verification Code on your mobile number and Email write the verification code, then click submit after that the confirmation of your transfer will show on your screen.

3) How can I set my Password?

After your first-time login with the OTP (One-time Password) which is sent to you from the ADC Unit of FMFB-A You can set your Password.

What If I forgot my login Password?

It is easy to change your password, on the login page of online banking platform, find the forgot password option and change your password, if you enter more than three times wrong password Your online banking User access is automatically blocked from the system, you must call the FMFB-A Customer service team to unblock you access and then change your password.


Can I conduct domestic and international fund transfer through FMFB-A online banking services?

You can do Internal, domestic and International fund transferring.


4) Are there any charges for using FMFB-A Online Banking?

It is majorly free; however, standard transaction charges will be applied as per FMFB-A Schedule of Bank Charges.


5) How can I register myself to FMFB-A online banking service?

For Retail account, the customer shall visit the bank in person and fill the Retail Application Form.


6) Who is eligible to use FMFB-A Online Banking?

Any FMFB-A Account holder, and those who wish to open an account with the bank.


7) Why Should I use FMFB-A Online Banking?

It fulfills your banking needs from the comfort of your home, office or even if you are travelling. All you need is an internet connection and your FMFB-A Internet Banking login credentials


8) What Can I do with FMFB-A Online Banking Services?

You can conduct money transfers, payments, manage your day to day banking activities, view Account Details, View Transaction History, request statement, cheque book request, enquire about Cheque Status, stop/Unblock Cheque and loan Repayments.


9) How can I download FMFB-A online banking Apps?

If you are an android user you can download it from Play Store and if you have iPhone you can   download the FMFB-A online banking app from App Store.


10) What is FMFB-A Online Banking?

FMFB-A Online Banking is an online banking solution for customers that have accounts with us and whom would like to manage their accounts.


Corporate Online Banking FAQ
1) Is there a complete Tutorial or Guide on how to use SMS Banking Services?

Yes. We at FMFB-A developed a comprehensive SMS Banking User Manual that takes you through a step-by-step journey on how to use SMS Banking Services. To receive the document, all you need to do is to send us an email to customerservices@fmfb.com.af or contact us by dialing 599 and request for the “SMS Banking User Manual”.


2) How can I create or ADD a payee?

You can only initiate a money transfer when the payee to whom transfers are required to be made are registered in your online banking application. For the complete guideline of different types of Payee (Internal, Domestic and International) contact with FMFB-A Call center team.

1) Payee Name
2) Upload Photo
3) Account type (Internal, Domestic and International)
4) Account Number and Confirm Account Number
5) Account Name
6) Nickname
7) Access type
8) Click Add after clicking Add button the Review screen appears
9) Then Click Confirm


3) international fund transfer

Transfer Funds/Money enables you to initiate payment from your bank account to any other bank account without visiting the bank, enjoying from the ease of your home through online banking. Payments are categorized on the basis of transfer to account within your own accounts, the bank, outside the bank and beyond geographical boundaries, such as;

1. when the transfer is between your own accounts it is called My Account Transfer,
2. when the transfer is to an account within the bank it is an Internal Transfer,
3. transfer to an account outside the bank, but within the country is called a Domestic Transfer, 4. and, a transfer to an account outside the country is called an International Payment.

IMPORTANT: Before transferring funds, you must create or add a payee on your online banking application.


4) Can I conduct domestic and international fund transfer through FMFB-A online banking services?

You can do Internal, domestic and International fund transferring.


5) What If I forgot my login Password?

It is easy to change your password, on the login page of online banking platform, find the forgot password option and change your password, if you enter more than three times wrong password Your online banking User access is automatically blocked from the system, you must call the FMFB-A Customer service team to unblock you access and then change your password.


6) How can I set my Password?

After your first-time login with the OTP (One-time Password) which is sent to you from the ADC Unit of FMFB-A once you login to your online banking user, the next page requests you to set your Password by enter your current OTP Password on the current Password section you can set a new password for your online banking user, set your password as per password instructions at the right side of the screen.


7) Are there any charges for using FMFB-A Online Banking?

It is majorly free; however, standard transaction charges will be applied as per FMFB-A Schedule of Bank Charges.


8) Can we register different USER in one account?

Yes FMFB-A Corporate online banking allows you, that different USERS have access to same corporate account with different Passwords and USER ID.


9) Who is eligible to use FMFB-A Online Banking?

For Corporate account, all the authorized signatories shall visit the bank in person (those signatories who are requesting for user) and fill the Corporate Application Form. 
In corporate online banking.


10) Who is eligible to use FMFB-A Online Banking?

Any FMFB-A Account holder, and those who wish to open an account with the bank.


11) Why Should I use FMFB-A Online Banking?

It fulfills your banking needs from the comfort of your home, office or even if you are travelling. All you need is an internet connection and your FMFB-A Internet Banking login credentials.


12) What Can I do with FMFB-A Online Banking Services?

You can conduct money transfers, payments, manage your day to day banking activities, view Account Details, View Transaction History, request statement, cheque book request, enquire about Cheque Status, stop/Unblock Cheque and loan Repayments.


13) How can I download FMFB-A online banking Apps?

If you are an android user you can download it from Play Store and if you have iPhone you can   download the FMFB-A online banking app from App Store.


14) What is FMFB-A Online Banking?

FMFB-A Online Banking is an online banking solution for customers that have accounts with us and whom would like to manage their accounts.


P2P FAQ

We at FMFB-A work hard to ensure that our customers get the very best of services. For any queries regarding Peer to Peer (P2P) with FMFB-A, please do go through the following list of FAQs. If your question is not listed under these Peer to Peer (P2P) Service FAQs, please contact us either through (599), or customerservices@fmfb.com.af.

1) How can I do transfer through P2P

By Using following steps, you can do transfer through P2P, for more information please use the P2P Guideline.

  1. Login to your online banking page
  2. Select transfer money option from Payment section
  3. Select New payee option from transfer type section
  4. Inter the details Phone/Email of account holder you want to transfer
  5. Enter AFN Currency amount and Confirm
  6. Write the description related to transfer
  7. Click the transfer button and confirm and then close the tab
  8. Must note the confirmation security code with your self
  9. Note the Payment ID from your Email/mobile number
  10. Logout from your online banking page.
  11. Go to the three line on the top left corner beside the FMFB-A Logo then select Claim option
  12. On the next page enter the receiver phone number/Email the security code and payment ID you noted before
  13. After that click the existing customer button
  14. On the account information section if the receiver is FMFB-A account holder select this Bank
    If the account holder is another banks user select Another Bank.
  15. On the last stage click the confirm button
  16. You will receive a confirmation message (Request submitted successfully)

2) Is there a complete Tutorial or Guide on how to use Peer to Peer (P2P) Services?

Yes. We at FMFB-A developed a P2P Guidance that takes you through a step-by-step journey on how to use P2P Services. To receive the document, all you need to do is to send us an email to customerservices@fmfb.com.af or contact us by dialing 599 and request for the “P2P Guidance”.


3) Does FMFB-A have any charge on P2P Service?
  1. Yes, the charges are depending to your transaction if you do an internal transaction from your account to a FMFB-A account holder, is free.
  2. If you do a domestic transferring from your FMFB-A account to another bank account holder it has 0,20% of total amount charges (AFN Min 250 MAX 2500 USD/EUR MIN 5 MAX 30)

4) How Can I register myself for this service?

Before using Peer to Peer (P2P) Services, you need to visit one of the nearest FMFB-A’s branches to fill the Online Banking Registration Form and select “online banking services section”.

Any Individual who have access to FMFB-A online banking can use from this service.


5) Which Kinds of Transferring is going done through P2P?
  1. By using P2P service, you can do Internal Transferring, from your account to any FMFB-A Account holder
  2. You can also through this service can do domestic transferring, from your FMFB-A account to any local banks Account holder.

6) What is Peer to peer (P2P)?

Peer to Peer (P2P) payments is a mechanism through which the user can transfer funds from his
bank account to another individual’s account via the digital medium i.e. Internet or a mobile device.


SMS Banking FAQ

We at FMFB-A work hard to ensure that our customers get the very best of services. For any queries regarding SMS Banking with FMFB-A, please do go through the following list of FAQs. If your question is not listed under these SMS Banking FAQs, please contact us either through (599), or customerservices@fmfb.com.af.

1) Is there a complete Tutorial or Guide on how to use SMS Banking Services?

Yes. We at FMFB-A developed a comprehensive SMS Banking User Manual that takes you through a step-by-step journey on how to use SMS Banking Services. To receive the document, all you need to do is to send us an email to customerservices@fmfb.com.af or contact us by dialing 599 and request for the “SMS Banking User Manual”.


2) Does FMFB-A charge for the use of SMS Banking Services?

No. FMFB-A does not impose any charges to be passed on to customers. Only the normal charges will be applied per SMS as set by your telecommunication network (carrier).


3) What are the Provincial Codes used for Branch & ATM Location Inquiries?

The Provincial Codes are per following:

S/NProvince NameProvince Codes
1BadakhshanBDS
2BadghisBDG
3BaghlanBGL
4BalkhBLK
5BamyanBAM
6DaikundiDAK
7FarahFRH
8FaryabFYB
9GhazniGHZ
10GhorGHW
11HelmandHLM
12HeratHRT
13JawzjanJWJ
14KabulKBL
15KandaharKDH
16KapisaKAP
17KhostKHW
18KonarKNR
19KundozKDZ
20LaghmanLGM
21LogarLWG
22NangarharNGH
23NimrozNIM
24NouristanNUR
25OruzganORU
26PaktikaPTK
27PaktyaPTY
28PanjshirPNJ
29ParwanPWN
30SamanganSMG
31SaripulSPL
32TakharTKR
33WardakWRD
34ZabulZAB

4) Are the SMS Codes case sensitive?

No. They are not case-sensitive.


5) What number should send SMS Banking enquiries to?

To request information about your account you can send an SMS to 599 with a specific “SMS Code”. The SMS Codes to use are as follows:

  • BAL (space)Account No. => For Balance Inquiry
  • STM (space)Account No. => For Mini-Statement Inquiry
  • CBR (space)Account No. => For Cheque Book Request
  • BLOCK (space)Cheque No. => For Blocking Cheque for the default account
  • BLOCK (space)Account No. => For Blocking Cheque for the specified account
  • UNBLOCK (space)Cheque No. => For Unblocking Cheque for the default account
  • UNBLOCK (space)Account No. => For Unblocking Cheque for the specified account
  • CHQ (space)Cheque No. => For requesting Cheque Status for the default account
  • CHQ (space)Account No. => For requesting Cheque Status for the specified account
  • DEP (space)TD Acc No. => For Term Deposit (TD) Inquiry
  • LOAN (space)Loan Account No. => For Loan Account Inquiry
  • ACL => For Account List Inquiry
  • RATE (space)Currency Code => For Currency Exchange Rate Request
  • BRANCH (space)Province Code => For Bank Branch Location Inquiry
  • ATM (space)Province Code => For ATM Location Inquiry

6) What should I do if I get my phone/number lost or stolen?

If the Mobile Phone Number which is registered for SMS Banking is lost, stolen or sold to another individual, then you should immediately notify FMFB-A of the incident and cancel the SMS Banking Services. 


7) Which Telecommunication Networks are Available in this service?

This service is currently available for holders of SIM cards from Roshan and MTN telecoms.


8) Can I register more than one mobile phone for SMS Banking?

No. Only one mobile phone number can be registered for SMS Banking services.


9) What type of SMS enquiries can I make

Once you are registered for SMS Banking Services, you can request the following at any time:

  • Account Balance Inquire
  • Mini-Statement Inquire
  • Cheque book request
  • Block cheque request
  • Unblock cheque request
  • Term deposit Inquire
  • Loan Account Inquire
  • Account list Inquire
  • Currency exchange rate request
  • Bank branch location inquire
  • ATM location inquire 

10) How do I register for SMS Banking?

Before using SMS Banking Services, you need to visit one of FMFB-A’s branches to fill the Online Banking Registration Form and select “Activation of SMS Banking Services”.


11) What are the benefits of using SMS Banking?

There are several points of benefits offered by FMFB-A SMS Banking as per following:

  • Allows you to make requests and receive relevant banking information with the use of your phone.
  • You can check account balance, receive mini-statement, request cheque book, currency exchange rate and many more.
  • Offers higher convenience as there is no need for visiting the bank branches every time.
  • Ease of gaining access to your bank account information as and when you need it.

12) What is SMS Banking?

SMS Banking can be regarded as a type of mobile banking. It is a specialized facility made use of by the leading banks & financial institutions towards sending messages (SMS) to the respective mobile phones of the customers by making use of the SMS messaging technique. The messages can be in the form of alerts or notifications as well. Through the use of SMS Banking, the customers are enabled the ease of performing various types of financial transactions by using the SMS technology.