Mobile Banking

The All New Mirror+ App

SIB Mirror+, The next generation digital banking experience from South Indian Bank. We are happy to bring to you our all new SIB Mirror+ App. The most comprehensive and secure Mobile Banking application, offers over 100+ banking and utility services to take care of your daily banking needs conveniently from your smartphone.

Highlights & Features
We thrive our best to deliver the best in class user experience by ensuring easy and convenient mobile banking solution to our customers. Keep updated with the latest version of SIB Mirror+ App to enjoy enhanced features and security.

Fund Transfer	Transfer Funds using IMPS / UPI /NEFT with Instant Beneficiary Addition. Now fund transfer made easy and convenient with attractive iconography and fast check outs through recent capsules. Also we can share transaction receipt through messenger apps.
Transaction History Thread	Track all your payments made through SIB Mirror+ App. Enjoy the convenient way to reconcile previous payments.
Iconography for fund transfer	Attractive iconography for fund transfers will make your transactions more interesting and informative.
Recent capsules	Recent capsules for fast checkouts
SIB Mirror+ payee import	Automatically import Payees added in SiberNet(Internet Banking) to SIB Mirror+ App
Advanced e-Lock	SIB Mirror + has the unique digital e-lock feature that allows you to enable/disable all digital debit transactions in your account with a toggle key. e-Lock has been enhanced with additional flexibility to set Customized cumulative debit limit for digital transactions [ Debit Card, Mobile Banking, Net Banking etc] for each account
All in one scan & pay	Scan any UPI/Bharat QR of any bank
Online Account opening	Open free online account.
Multiple Profiles	All in one app for your personal and business account. Enjoy the ease of convenience. Tailored for all your financial needs.
Mirror+ transactions	You can find history of all transactions made through the app at one point.
Recharge & Bill payments	Enjoy wide range of recharge & bill payment solution with the comfort of Auto bill fetch, transaction history thread, Bills Due Reminder etc. Now set your bill pay reminders and never forget to pay on time.
Insurance	Be insured with SIB. Enquire about latest insurance products from SIB.
Online Deposits(FD/RD)	Open/Close your Fixed/Recurring Deposits online.
Loan Against deposit	Avail loan against your deposit anytime anywhere.
SIB Dream	Attractive option for customers to start monthly instalments by setting Goal details, target amount and tenure.
Deposit Rates	Option to check latest rates of deposit products offered by South Indian bank.
Online FATCA-CRS Update	Now submit FATCA-CRS declaration online
Interest rate graph	Invest at best deposit rates with advanced interest rate graph.
Loans	Avail pre-approved loans, Gold loan limit enhancement, Apply loans etc
Mutual funds	Invest in Mutual funds conveniently. Invest your hard earned money at best solutions.
Deposit Rates	Check latest interest rates of deposit products offered by South Indian Bank.
Bhim UPI	One app for multiple Bank accounts. You can view balance, send money, collect money etc in all your accounts opened in multiple banks through BHIM UPI functionality.
Referral code	Refer and earn. Invite your friends and Family to enjoy the convenience of SIB Mirror+ App and win attractive rewards.*
Notifications	Get notifications regarding Latest offers, Security alerts, Reminders, Loan approvals etc
Advanced search	Advanced search functionalities in account statements, home page, utility payment, payees etc helps you to have a fast checkout.
Primary account setting	Choose your frequently using account to be preselected at all functionalities.
Financial calculators	Financial calculator for Loan EMI calculation and Deposit earnings.
Upcoming Payments	Notifications of bills due, scheduled payments & pre-approved loans will be displayed
SIB Fastag	Facility to view Fastag wallet balance and instantly recharge FASTag issued by SIB.
BBPS Complaints tracker	Conveniently solution to raise grievances and check status about bill payment status.
Offers	Get instant updates about latest offers from South Indian Bank
Debit card Management	You can Apply Debit card, Set/Reset PIN, Block card, Manage limits, check latest offers and charges etc
Cheque management	You can apply Cheque book, view cheques in clearing, enquire check status, Stop cheque etc
Complaint Module	Grievance raising & resolution for Mobile banking/Ibanking transactions
Feedback	Option to raise general concerns and feedbacks about app
SIBerNet(net banking) OTP	Get SIBerNet (Net Banking) transaction OTP within the App. Now you can forget about SMS delivery delays.
Periodic KYC Update	Periodic KYC updating can be done through App itself without branch visit.
Locker availability Search	Option to check availability of lockers in your preferred branches of South Indian Bank.
KSFE Chit Registration	KSFE Chit enrolment for NR customers.
Branch/ATM Locate US	Search location of Branches/ ATM through advanced locate us option.
Search IFSC	Option to search IFSC and find branch details of any Bank.
Forex rates	Option to check latest forex rates of foreign currency
Financial calculators	Advanced calculator for Loan EMI and Returns for Deposits.
Bank holidays	Plan your visit to Bank. Check Bank holiday details conveniently.
FAQs	Frequently asked Questions
College/School Fee	College/School Fee Students can make their fee payments to Colleges/Schools registered with SIB.
Online payments/Feebook	Make wide range of payments like School fees, Donations, Ticket booking etc.
Sovereign Gold Bonds	Invest in Sovereign Gold Bond : A glittering investment opportunity that’s worth its weight in gold
Gold Loan Renewal	Renew your gold loans from the convenience of your home
Priority Customer upgrade	Customer can update to Priority Banking Program based on eligibility set by bank from time to time
Positive Pay System	Customer can register in Positive Pay System using SIB Mirror+
Apply Credit Card	Customer can apply for secured SIB-One card Credit card through SIB Mirror+.
Social Security schemes	Enrolment to social security schemes – APY, PMSBY, and PMJJBY
Update KYC details	Individual domestic customers is provided with option to update Aadhar Number, PAN Number, Driving License and Voters ID and Email ID details. Customers can update Communication address validating Aadhaar details through SIB Mirror+
PIS Account opening	NR customers can instantly open PIS Account through SIB Mirror+
Demat Account opening	Instant Demat account option for Domestic customers
International Money Transfer	International fund transfer option to retail customers subject to guidelines for outward remittance issued by competent authorities from time to time.
Debit card Tokenization	Manage VISA/Master/Rupay card tokenization in SIB Mirror+
PFMS e-PA authorisation	PFMS e-PA authorisation option in Service and request option. Customers enabled for PFMS transaction can authorize transactions in SIB Mirror+
Account category Upgrade	Domestic individual customers can upgrade their account to preferred higher category
AMB	Facility to view previous month AMB in Account Service option
SIB Maximo Deposit opening	Instantly open SIB Maximo deposits through SIB Mirror+
Manage Debit card E-mandate	Customers can manage Debit card E-Mandates through SIB Mirror+
Copy Debit Card number	Online debit card transactions simplified, SIB Mirror+ now enhanced with facility to view/copy Debit card number for easy online transactions
IMPS pending transaction status update	Customers can know the updated status of IMPS transaction in pending status through SIB Mirror+
UPI Facility for International Number	Non Resident customers with international mobile number of countries enabled by NPCI can register for UPI facility
Facility to Set UPI Number	Customers can set UPI number linked to UPI ID and use to receive money from any UPI using the UP I number
Track Your request	SIB Mirror+ enhanced with feature to know the status of request placed through branches/digital channel
Apply for IPO/Right Issue/NCD	Now customers can apply for IPO/Right Issue/NCD through SIB Mirror+
NCMC Recharge	Recharge NCMC wallet instantly
Certificates	Housing Loan Interest certificate, TDS and TCS certificate available through SIB Mirror+
Swipe To Pay	Say good bye to OTP and authenticate Debit card e-commerce transactions in a Swipe through SIB Mirror+

Daily Fund Transfer Limits

Fund transfer limits are provided to retail customers under two categories, Standard and Gold. Retail customers can instantly enhance the transaction limits using the Debit card credentials in SIB Mirror+. Corporate customers can only use the Standard Transaction limits . The daily Standard and Gold category transactional limits for fund transfers are as given below:

Fund Transfer Category	Self-Fund Transfer ( in lakhs)	Third Party/Within SIB Fund Transfer ( in lakhs)	External Fund Transfer Limit (IMPS/ NEFT) ( in lakhs)	Deposit Opening ( in lakhs)
Standard	10	5	5	200
Gold	10	10	10	200

Registration Process for Individual/ Proprietorship accounts

Visit Play Store/ App Store
Search for SIB Mirror+
Click on Install/Get to download the All new SIB Mirror+ App
Click on Register to complete the activation
Enter the last 4 Digits of SIB Account number and registered Mobile number
Validate with the OTP received in your registered mobile number.
Provide your Debit card details to complete the activation.
Don’t have an active Debit card, you can submit request to home Branch to generate a Branch token to complete the activation process.
You can also use SKIP option to activate the App in View only mode.
Now create a secure Password for App login and MPIN [4 digits] for transaction validation.
Congratulations!! Welcome to the all-new SIB Mirror+ App with 100+ attractive features.

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