Download M Journey: A Guide to Mobile Banking with MBSB Bank
Do you want to enjoy a more convenient, secure, and user-friendly way of banking with your mobile device? If so, you should download m journey, the mobile banking app by MBSB Bank. M journey is a banking experience that allows you to do transactions at your fingertips, without having to visit a branch or use a computer. In this article, we will show you how to download m journey for Android and iOS devices, how to use it for various banking services, and what are the benefits of using it for your banking needs.
What is m journey and what are its features?
M journey is a mobile banking app that allows you to access your MBSB Bank accounts (savings, current, term deposit, and financing) using your smartphone or tablet. It is equipped with enhanced security features, such as biometric login, security image and phrase, app binding, and M Journey Key (a secure token for authorizing transactions). It also has a user-friendly interface that helps you perform quick transactions easily and put your mind at ease.
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Some of the features of m journey are:
Instant login to your accounts by using fingerprint ID / touch ID / face ID (leveraging on your device's biometric capability)
View account summary and balances
Transfer funds via DuitNow (a service that allows you to transfer funds using a mobile number, NRIC number, or business registration number), Instant Transfer (a service that allows you to transfer funds instantly to another bank account within Malaysia), or IBG (Interbank GIRO, a service that allows you to transfer funds within Malaysia within one business day)
Make payments for your own financing, other financing, or JomPay (a service that allows you to pay bills online using a unique biller code)
Place or withdraw term deposits
Update profile and manage device settings
Why should you download m journey for your banking needs?
Downloading m journey can bring you many benefits for your banking needs. Here are some of them:
Convenience and accessibility: You can bank anytime and anywhere with your mobile device, without having to visit a branch or use a computer. You can also save time and money by avoiding queues, traffic jams, parking fees, etc.
Enhanced security: You can enjoy a more secure banking experience with m journey's security features, such as biometric login, security image and phrase, app binding, and M Journey Key. These features protect you from unauthorized access, phishing attacks, fraud, etc.
How to download m journey for Android and iOS devices
Downloading m journey for your Android or iOS device is easy and fast. Just follow these steps:
Go to Google Play Store or Apple App Store on your device and search for "m journey" or scan the QR code below.
Tap on the app icon and then tap on "Install" or "Get". The app will start downloading and installing on your device.
Once the app is installed, tap on "Open" or launch the app from your device's home screen.
You will see a welcome screen with some information about the app. Tap on "Next" to proceed.
You will be asked to accept the terms and conditions of the app. Read them carefully and tap on "Accept" to agree.
You will be asked to set up your security image and phrase. This is a feature that helps you verify that you are logging in to the genuine m journey app. Choose an image and a phrase from the options provided and tap on "Next". Remember your image and phrase as you will need them every time you log in to the app.
You will be asked to activate biometric login. This is a feature that allows you to log in to the app using your fingerprint ID / touch ID / face ID (depending on your device's biometric capability). Tap on "Activate" to enable this feature. You can also skip this step and activate it later from the app settings.
You will be asked to enter your MBSB Bank online banking username and password. If you do not have an online banking account, you can register for one from the app by tapping on "Register Now". If you have forgotten your username or password, you can reset them from the app by tapping on "Forgot Username / Password".
Once you enter your username and password, you will be asked to enter a one-time password (OTP) that will be sent to your registered mobile number via SMS. Enter the OTP and tap on "Submit".
You will be asked to create a 6-digit M Journey Key. This is a secure token that you will need to authorize transactions from the app. Choose a 6-digit number that you can remember easily and tap on "Submit". Do not share your M Journey Key with anyone.
Congratulations! You have successfully downloaded and set up m journey on your device. You can now start using the app for your banking needs.
How to use m journey for various banking services
Using m journey for various banking services is simple and convenient. Here are some of the things you can do with the app:
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How to view account summary and balances
To view your account summary and balances, follow these steps:
Log in to the app using your biometric login or username and password. You will see your security image and phrase. Verify that they are correct and tap on "Login".
You will see your account summary screen with a list of your accounts (savings, current, term deposit, and financing). Tap on any account to see more details, such as account number, balance, available balance, etc.
You can also swipe left or right on the account summary screen to see other information, such as recent transactions, notifications, promotions, etc.
How to transfer funds via DuitNow, Instant Transfer, or IBG
To transfer funds via DuitNow, Instant Transfer, or IBG, follow these steps:
Log in to the app using your biometric login or username and password. You will see your security image and phrase. Verify that they are correct and tap on "Login".
Tap on the menu icon at the top left corner of the screen and select "Transfer".
Choose the type of transfer you want to do: DuitNow, Instant Transfer, or IBG.
Choose the source account from which you want to transfer funds.
Choose the recipient account to which you want to transfer funds. You can select an existing recipient from your favourites list or add a new recipient by entering their details (such as name, mobile number, NRIC number, business registration number, bank name, bank account number, etc.). You can also scan a QR code or use voice command to enter the recipient details.
Enter the amount you want to transfer and select a purpose for the transfer (optional).
Review the details of the transfer and tap on "Confirm".
Enter your M Journey Key to authorize the transfer. You will receive a confirmation message and a receipt for the transfer.
How to make payments for financing or JomPay
To make payments for your own financing, other financing, or JomPay, follow these steps:
Log in to the app using your biometric login or username and password. You will see your security image and phrase. Verify that they are correct and tap on "Login".
Tap on the menu icon at the top left corner of the screen and select "Payment".
Choose the type of payment you want to do: Own Financing, Other Financing, or JomPay.
Choose the source account from which you want to make the payment.
Choose the recipient account to which you want to make the payment. You can select an existing recipient from your favourites list or add a new recipient by entering their details (such as name, financing account number, biller code, reference number, etc.). You can also scan a QR code or use voice command to enter the recipient details.
Enter the amount you want to pay and select a payment date (optional).
Review the details of the payment and tap on "Confirm".
Enter your M Journey Key to authorize the payment. You will receive a confirmation message and a receipt for the payment.
How to place or withdraw term deposits
To place or withdraw term deposits, follow these steps:
Log in to the app using your biometric login or username and password. You will see your security image and phrase. Verify that they are correct and tap on "Login".
Tap on the menu icon at the top left corner of the screen and select "Term Deposit".
Choose whether you want to place or withdraw a term deposit.
If you want to place a term deposit, choose the source account from which you want to place the term deposit.
Enter the amount you want to place and select a tenure (from 1 month to 60 months).
Select whether you want to receive interest monthly or upon maturity.
Select whether you want to renew principal and interest, principal only, or none upon maturity.
Select whether you want to credit interest and/or maturity proceeds to your source account or another account.
Review the details of the term deposit placement and tap on "Confirm".
Enter your M Journey Key to authorize the term deposit placement. You will receive a confirmation message and a receipt for the term deposit placement.
If you want to withdraw a term deposit, choose the term deposit account that you want to withdraw from.
Enter the amount you want to withdraw and select a destination account to which you want to credit the withdrawal proceeds.
Review the details of the term deposit withdrawal and tap on "Confirm".
Enter your M Journey Key to authorize the term deposit withdrawal. You will receive a confirmation message and a receipt for the term deposit withdrawal.
How to update profile and manage device settings
To update your profile and manage your device settings, follow these steps:
Log in to the app using your biometric login or username and password. You will see your security image and phrase. Verify that they are correct and tap on "Login".
Tap on the menu icon at the top left corner of the screen and select "Profile & Settings".
You will see various options for updating your profile and managing your device settings, such as:
Edit Profile: You can update your personal information, such as name, email address, mobile number, etc.
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Activate / Deactivate Biometric Login: You can enable or disable the feature that allows you to log in to the app using your fingerprint ID / touch ID / face ID.
Change Password: You can change your online banking password.
Change M Journey Key: You can change your 6-digit M Journey Key that you use to authorize transactions from the app.
Manage Devices: You can view and manage the devices that are registered and bound to your m journey app. You can also unbind a device if you want to stop using it for the app.
Manage Favourites: You can view and manage your favourite recipients for fund transfers and payments. You can also add, edit, or delete a favourite recipient.
Tap on any option that you want to update or manage and follow the instructions on the screen.
Benefits of using m journey for mobile banking
Using m journey for mobile banking can bring you many benefits, not only as a customer, but also as a partner of MBSB Bank. Here are some of them:
Convenience and accessibility
With m journey, you can enjoy the convenience and accessibility of banking anytime and anywhere with your mobile device. You don't have to visit a branch or use a computer to do your banking transactions. You can also save time and money by avoiding queues, traffic jams, parking fees, etc. You can bank at your own pace and comfort, without any hassle or stress.
Enhanced security
With m journey, you can enjoy enhanced security features that protect you from unauthorized access, phishing attacks, fraud, etc. The app uses biometric login, security image and phrase, app binding, and M Journey Key to verify your identity and authorize your transactions. The app also encrypts your data and complies with the highest standards of data protection and privacy. You can bank with confidence and peace of mind with m journey.
User-friendly interface
With m journey, you can enjoy a user-friendly interface that helps you perform quick transactions easily and put your mind at ease. The app is designed to be simple, intuitive, and responsive. It also allows you to customize your preferences and settings according to your needs and preferences. You can also access various information and features with just a few taps or swipes on the screen. You can bank with ease and satisfaction with m journey.
New marketing opportunities and valuable customer data
With m journey, you can also benefit from new marketing opportunities and valuable customer data that can help you grow your business and relationship with MBSB Bank. The app allows you to receive notifications and promotions from MBSB Bank that are relevant to your interests and needs. You can also provide feedback and ratings for the app and the bank's services. The app also collects and analyzes your data (such as transaction history, preferences, behavior, etc.) to provide you with personalized offers and recommendations. You can bank with more value and loyalty with m journey.
Conclusion
M journey is a mobile banking app that allows you to access your MBSB Bank accounts (savings, current, term deposit, and financing) using your smartphone or tablet. It is equipped with enhanced security features, such as biometric login, security image and phrase, app binding, and M Journey Key. It also has a user-friendly interface that helps you perform quick transactions easily and put your mind at ease.
M journey is a banking experience that allows you to do transactions at your fingertips, without having to visit a branch or use a computer. It also brings you many benefits for your banking needs, such as convenience and accessibility, enhanced security, user-friendly interface, new marketing opportunities, and valuable customer data.
making payments for financing or JomPay, placing or withdrawing term deposits, updating profile and managing device settings, and more.
M journey is a banking app that is made for you. It is a banking app that understands your needs and preferences. It is a banking app that delivers value and satisfaction. It is a banking app that you can trust and rely on.
So what are you waiting for? Download m journey today and experience the difference. You can download the app from Google Play Store or Apple App Store, or scan the QR code below. You can also visit the MBSB Bank website at www.mbsbbank.com for more information.
If you have any questions or feedback about m journey, you can contact the MBSB Bank Service Centre at 03-2096 3000 or email to customerservice@mbsbbank.com. We are always happy to hear from you and assist you with your banking needs.
FAQs
Here are some frequently asked questions about m journey:
What are the minimum mobile device requirements to use m journey?
To use m journey, you need to have a mobile device that runs on Android 5.0 and above or iOS 10.0 and above. You also need to have an internet connection (Wi-Fi or mobile data) and a registered mobile number with MBSB Bank.
What are the fees and charges for using m journey?
There are no fees or charges for downloading and using m journey. However, you may incur data charges from your mobile service provider depending on your data plan. You may also incur fees or charges for certain transactions, such as fund transfers or payments, depending on the type and amount of the transaction. You can refer to the MBSB Bank website at www.mbsbbank.com for more details on the fees and charges.
What are the daily transaction limits for using m journey?
The daily transaction limits for using m journey are as follows:
Type of Transaction
Daily Limit
Fund Transfer via DuitNow
RM 50,000
Fund Transfer via Instant Transfer
RM 50,000
Fund Transfer via IBG
RM 50,000
Payment for Own Financing
No limit
Payment for Other Financing
RM 50,000
Payment via JomPay
RM 50,000
Term Deposit Placement / Withdrawal
No limit
You can change your daily transaction limits from the app settings if you want to increase or decrease them.
What are the services or functions not available during night mode?
Night mode is a feature that allows you to use m journey during non-banking hours (from 11:30 pm to 12:30 am daily). During night mode, some of the services or functions are not available, such as:
Fund Transfer via DuitNow, Instant Transfer, or IBG
Payment for Other Financing or JomPay
Term Deposit Placement / Withdrawal
Edit Profile / Security Image & Phrase / Password / M Journey Key / Biometric Login / Manage Devices / Manage Favourites
Contact Us / Feedback / Ratings / FAQs / Terms & Conditions / Privacy Notice / Security Tips / About Us / Logout
You can still use other services or functions during night mode, such as:
View Account Summary / Balances / Transactions / Notifications / Promotions
Payment for Own Financing
How can I contact MBSB Bank Service Centre if I have any issues or inquiries?
If you have any issues or inquiries about m journey, you can contact the MBSB Bank Service Centre at 03-2096 3000 or email to customerservice@mbsbbank.com. The service centre operates from Monday to Friday (8:30 am to 5:30 pm) and Saturday (8:30 am to 1:00 pm), except public holidays. You can also visit the MBSB Bank website at www.mbsbbank.com for more information.
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