Easypaisa Mobile Account

Product Presentation
Omar Moeen Malik
Our Promise: October 15th 2009
February 25th 2010
Introduction
What is an easypaisa Mobile Account?

After the successful launch of Over-The-Counter services like Bill Pay and
Money Transfer, easypaisa is introducing Mobile Accounts where Telenor
subscribers will be able to use Bill Pay, Money Transfer and a whole host of
new services from their own mobile phones

Easypaisa Mobile Accounts are virtual Bank Accounts opened for Telenor
subscribers to access from their mobile phones at any time

Users only have to go to a Merchant to Deposit Cash or Withdraw Cash

from their easypaisa Mobile Account. All other services can be accessed on
the users mobile phone at any time

This service is available for only Telenor subscribers

Registration is only available only at Telenor SSCs, Telenor Franchises and

Tameer Bank Branches for now
Why Mobile Accounts?
How does this man

Pay Bills?

Transfer money
Domestically?
Internationally from family?

Save?

Market Potential

30 millions bills per month

Transfer money
Domestically - $7bn per year
Internationally - $9bn per year

Save Only 12% population has

access to formal financial services
Why Mobile Accounts?
What is an easypaisa Mobile Account?

After the successful launch of Over-The-Counter services like Bill Pay and
Money Transfer, easypaisa is introducing Mobile Accounts where Telenor
subscribers will be able to use Bill Pay, Money Transfer and a whole host of
new services from their own mobile phones

Easypaisa Mobile Accounts are virtual Bank Accounts opened for Telenor
subscribers to access from their mobile phones at any time

Users only have to go to a Merchant to Deposit Cash or Withdraw Cash

from their easypaisa Mobile Account. All other services can be accessed on
the users mobile phone at any time

This service is available for only Telenor subscribers

Registration is only available only at Telenor SSCs, Telenor Franchises and

Tameer Bank Branches for now
Target Market
Any person with a Telenor SIM who wants to have instant access
to a Bank Account from his mobile phone

Any person with a Telenor SIM who wants to have the freedom to
send/receive money to other people or pay utility bills from his
mobile phone at any time

Any person with a Telenor SIM who wants to be part of the

largest Bank with thousands of branches in Pakistan and the
facility to withdraw cash or deposit cash from these branches
(Merchants) at any time
Competition?
Existing Mobile Banking Services easypaisa Mobile Accounts

Any Telenor Subscriber. No existing Bank

For: Limited to Customers of Particular Banks only
Account necessary

- UBP
- Money Transfer to any person with a CNIC
- Prepaid Cards for all Mobile Operators
-Money Transfer to other easypaisa mobile
-Fund Transfers to the same Bank customers
account
only
Services Offered: - Utility Bill Payments
- Mini Stmt / Balance Enquiry
- E-load purchase / Persona Bill Payments *
-Credit Card Payments
- Fund Transfers to any Bank in Pakistan *
- Mini Stmt / Balance Enquiry
- ATM Cards *
- Other Payments *

Handsets: GPRS Mobile Phones only All Mobile Phones

Limited to Branches in a few cities (largest

Bank Branches: 5500+ easypaisa shops in 500+ cities
bank has 1100 branches in 100 cities)

GSM Charges: SMS and GPRS Charges apply No GSM Charges apply

SMS is a Highly insecure channel. GPRS is a

Security: secure channel but very expensive for the USSD is a highly secure channel
customers

* Coming soon
easypaisa Mobile Accounts USPs
Any Telenor subscriber can open an account
Not limited to any particular Bank Account Holders
Instant Access to your Mobile Banking Account at any place, any where,
any time!
Pay Utility Bills, Other Payments, Send Money to other easypaisa
Accounts or to any person with a valid CNIC
Cash Deposit into account or Cash Withdrawal from any account can be
done at over 5500+ Merchants across 500 cities
No Waiting in Queues / No Travel Time
Open on Holidays / Late Working Hours
Secure Encrypted Transactions based on GSM standards
Official Approval by the State Bank of Pakistan
24/7 online customer support
5000+ easypaisa Merchants

Telenor 225 Franchises

easypaisa Account Opening
Franchises Cash Withdrawal and Cash Deposit

23 Sales & Service Centers

Telenor SSCs easypaisa Account Opening
Cash Withdrawal and Cash Deposit

40 Branch Locations
Tameer Bank easypaisa Account Opening
Locations Cash Withdrawal & Cash Deposit

5500+ Outlets
Retailers Cash Withdrawal & Cash Deposit
easypaisa Account Product Details
1. A Customer has to come to an Telenor Franchise/SSC or Tameer Branch
to open an easypaisa Mobile Account
2. Account Opening Request takes 10 minutes to enter into the system
3. Subscriber will be called back in 3 hours after Nadra CNIC verification.
Account will be activated and Subscriber will be asked to select a PIN

Transactional Limits Rs.10,000/day, Rs.20,000/month, Rs.1,20,000/year

These limits do not apply on Transfer In
Maximum Balance of Rs. 60,000 in the account at any time
SBP requirements dictate the account limits that need to be in place. For
higher limits, the Customer needs to open a bank account with Tameer
Bank first.

Account Opening Fee = Rs. 50 + tax (non-refundable)

easypaisa Account Number and PIN

For transactional security purposes and to minimize errors, the

system will generate an easypaisa Mobile Account number at the
time of account opening:
Example: 034576543218

03457654321 8
Customers existing Telenor System Generated
Mobile Phone Number Check-Digit between 0-9

After account creation, the customer would be asked to create a

secret 5 digit numeric PIN code for his easypaisa Mobile Account.
Similar to an ATM PIN code, this secret PIN code will be used to
authorize all transactions from the easypaisa Mobile Account.
Current easypaisa Account Services
Cash Deposit:
Subscribers can visit any of the 5500+ easypaisa shops to deposit cash into his
easypaisa Mobile Account. Account transactional limits apply.
Fee + FED is deducted from subscriber account, merchant need not to collect fee
from customer
Cash Withdrawal:
Subscribers can visit any of the 5500+ easypaisa shops to withdraw cash from his
easypaisa Mobile Account. Account transactional limits apply.
Fee + FED is deducted from subscriber account, merchant need not to collect fee
from customer
Utility Bill Payment:
Subscribers can pay any partner Utility Bill from his easypaisa Mobile Account
using his phone at any where, at any time. Account transactional limits apply.
Funds Transfer:
Subscribers can move funds from his easypaisa Mobile Account to any other
easypaisa Mobile Account, or any person with a valid CNIC number, using his
phone at any where, at any time. Account transactional limits apply.
More easypaisa Account Services
Account Balance:
Subscribers can look up the Account Balance of his easypaisa Mobile Account
Mini Statement:
Subscriber can look up the last 5 transactions from his easypaisa Mobile Account
PIN Management:
Subscribers can setup or change his secret 5 digit PIN to his easypaisa Mobile
Account
Favorites:
Subscribers can setup favorite Utility Bills, or favorite Easypaisa Mobile Accounts to
avoid having to enter them again and again.
Transfer In / Out:
Subscribers can log transfer funds from their Tameer Bank account directly into
their easypaisa Mobile Account or vice versa, from their easypaisa Mobile Account
to their Tameer Bank account at any time
Account transaction limits do not apply for Transfer In
easypaisa Secure Online Web Login

Subscribers can log into the secure, online web portal through the
Internet to perform all easypaisa Mobile Account transactions from
the web

http://www.easypaisa.com.pk/account

Additional Services on the online web portal:

Complete Account Statement and History of all Transactions
Schedule recurring payments

Web login idle time out for subscriber is 30 minutes

easypaisa Mobile Accounts

Any Person! Any Place! Any Time!

easypaisa Mobile Account

Supporting Slides

Screen Shots for different Transactions

Money Transfer to a Receiver's CNIC

1.Pay Utility Bill 1.To easypaisa no

2.Send Money
3.Favorites 2.To Other Users
*786# 4.My Account
5.Bank Transfers

Subscriber Dials Subscriber selects Subscriber selects

*786# option 2 option 2
Money Transfer to a Receiver's CNIC

Receiver Mobile
Number
03458501830

Subscriber enters receiver mobile

System asks for receiver mobile
phone number in the format
phone number
03XXXXXXXXX
Money Transfer to a Receiver's CNIC

Receiver CNIC
4210117984345

Subscriber enters 13 digit

System asks for receiver CNIC
receiver CNIC without dashes
Money Transfer to a Receiver's CNIC

Amount 500

Subscriber enters transaction

System asks for Amount
amount
Money Transfer to a Receiver's CNIC

Enter Trx 83702

Passcode

Subscriber enters 5-digit secret pass-code.

System asks for Trx Passcode This pass-code must not be revealed to
anyone except the recipient
Money Transfer to a Receiver's CNIC

Now sending Rs.

500 to CNIC
4210117984345. 12312
Enter PIN to
confirm.

Subscriber enters Pin Code. Confirmation

System confirms the transaction by asking
SMS is sent to both the sender and
Pin
receiver
Money Transfer to a Receiver's CNIC

Sender receives Receiver receives

a SMS from 3737 a SMS from 3737

Trx ID 371892. You have 03458554311 has sent you

sent Rs. 500 to CNIC Rs. 500. You can
4210117984345.The fee withdraw/collect this
for this transaction is Rs. cash from any easypaisa
20. Your new easypaisa authorized retailer by
account balance is Rs. giving your CNIC, Trx ID
1,567.00 and transaction passcode.
Funds Transfer to another
easypaisa Account

1.Pay Utility Bill 1.To easypaisa no

*786# 2.Send Money
3.Favorites 2.To Other Users
4.My Account
5.Bank Transfers

Subscriber selects option Subscriber selects option

Subscriber Dials *786#
2 for money transfer 1
Funds Transfer to another
easypaisa Account

Enter
easypaisa no 034585018301

System asks for receivers Subscriber enters 12 digit

easypaisa number easypaisa number
Funds Transfer to another
easypaisa Account

Enter Amount 500

Subscriber enters transaction

System asks for Amount
amount
Funds Transfer to another
easypaisa Account

Now paying Rs.

500 to
12312
034585018301.
Enter PIN to
confirm

Subscriber enters 5-digit Pin Code.

System confirms the transaction by asking
Confirmation SMS is sent to sender and
Pin
receiver
Funds Transfer to another
easypaisa Account
Sender receives Receiver receives
a SMS from 3737 a SMS from 3737

Trx ID 254345. You have Trx ID 254345. You have

sent Rs 500 to Received Rs 500 from
03458501830. The fee for 03458554311 and your
this transaction is Rs. 10. new easypaisa account
New easypaisa account balance is Rs. 9,000.00
balance is Rs. 1,567.50
Cash Deposit

1. Pay Utility Bill

2.Pay easypaisa no 1.Deposit
*787# 3. Money Transfer
4. Cash Service 2.Withdrawal
5. Payment Request
6. Favorites
7. My Account
8. Bank Transfer

Merchant selects option Merchant selects option

Merchant Dials *787#
4 for Cash Services 1
Cash Deposit

Enter
easypaisa no 034585018301

System asks for subscribers Merchant enters 12-digit

easypaisa no subscribers easypaisa no
Cash Deposit

Enter Amount 1000

Merchant enters transaction

System asks for Amount
amount to deposit
Cash Deposit

Enter User ID 1212

System asks for User Id Merchant enters 4-digit User Id

Cash Deposit

Now depositing
Rs. 1000 to
034585018301. 89654
To Confirm
Enter PIN

System confirms the Merchant enters 5-digit Pin

transaction by asking Pin Code
Cash Deposit
Subscriber receives
5-digit OTP in an SMS from
3737

78749

Please enter 78749 one

time password on
merchants cell

One time password OTP send in Subscriber enters 5-digit OTP

an SMS to subscriber on merchants handset
Cash Deposit
Retailer receives Customer receives
a SMS from 3737 a SMS from 3737

Trx ID 4561345. You have Trx ID 4561345. You have

successfully deposited successfully deposited Rs.
Rs. 1000 to easypaisa 1000 and your new
account no. easypaisa balance is
034585018301. Your new 6,800. The fee for this
easypaisa account transaction is Rs. 10.
balance is Rs. 56,000
Cash Withdrawal

1. Pay Utility Bill

2.Pay easypaisa no 1.Deposit
*787# 3. Money Transfer
4. Cash Service 2.Withdrawal
5. Payment Request
6. Favorites
7. My Account
8. Bank Transfer

Merchant selects option Merchant selects option

Merchant Dials *787#
4 for Cash Services 2
Cash Withdrawal

Enter
easypaisa no
034585018301

System asks for subscribers Merchant enters 12-digit

easypaisa no subscribers easypaisa no
Cash Withdrawal

Enter Amount 1000

Merchant enters transaction

System asks for Amount
amount to Withdraw
Cash Withdrawal

Now withdrawing
Rs 1000 from 1212
034585018301. To
confirm Enter
User Id

System confirms the

Merchant enters 4-digit User Id
transaction by asking User Id
Cash Withdrawal

Enter Pin 21435

Merchant enters 5-digit Pin Code.

System confirms the transaction by asking
Confirmation SMS sent to the Merchant
Pin
and Subscriber
Cash Withdrawal

Retailer ABC would

like to withdraw
1000 from your
account 1
1. Accept
2. Reject

Confirmation message appears Subscriber enters 1 to accept

on subscriber handset the transaction
Cash Withdrawal

Enter Pin 12345

Subscriber enters 5-digit Pin Code.

System confirms the transaction by asking
Confirmation SMS sent to the Merchant
subscribers Pin
and Subscriber
Cash Withdrawal
Retailer receives Customer receives
a SMS from 3737 a SMS from 3737

Trx ID 123456. You have Trx ID 123456. You have

successfully withdrawn successfully withdrawn
Rs. 1000 from easypaisa Rs. 1000 and your new
no. 034585018301. Your easypaisa account
new easypaisa account balance is 1,000. The fee
balance is Rs. 33,500 for this transaction is Rs.
20.
Utility Bills Payment

1.Pay Utility Bill 1.Electricity

2.Send Money
*786# 3.Favorites 2.Telephone
4.My Account
5.Bank Transfers
3.Gas

Subscriber dials Subscriber selects Subscriber selects

*786# option 1 Utility Bill Type
Utility Bills Payment

1. GEPCO
2. HESCO
Enter Consumer ID 4358092348098
3. KESC
4. LESCO
5. MEPCO

Subscriber selects System asks Subscriber enters consumer

Utility Bill Company Consumer ID id printed on bill
Utility Bills Payment

Dear Customer!
Amount payable for
4358092348098 is 12345
Rs. 1500 due by 20-
12-09. To confirm
Enter Pin

System confirms the Subscriber enters 5-digit Pin

transaction by asking Pin code
Utility Bills Payment
Subscriber receives
a SMS from 3737

Trx ID 343850. Rs 1500

paid by 4358092348098
to GEPCO at 11:45:15 on
15-12-2009. Fee charged
is Rs. 17.4. New
easypaisa balance is Rs.
5,455
Balance Inquiry

1.Pay Utility Bill 1.Balance Inquiry

2.Send Money 2.Mini Statement
*786# 3.Favorites 3.Send A/C Info
4.My Account 4.Manage Pin
5.Bank Transfers 5.Web Login

Subscriber dials Subscriber selects Subscriber selects

*786# from handset option 4 Option 1
Balance Inquiry

Current Balance 1500

Enter Pin 43435
Available Balance 1500

System asks to Subscriber enters System displays

Enter Pin 5-digit Pin code account balance
Mini Statement

1.Pay Utility Bill 1.Balance Inquiry

2.Send Money 2.Mini Statement
*786# 3.Favorites 3.Send A/C Info
4.My Account 4.Manage Pin
5.Bank Transfers 5.Web Login

Subscriber dials Subscriber selects Subscriber selects

*786# from handset option 4 Option 2
Mini Statement

17Dec MTS Rs 120

15Dec TOU Rs 150
Enter Pin 43435 13Dec MTS Rs 500
11Dec CWD Rs 100
05Dec CDP +Rs 250
Excl. of Fee and Taxes

System asks to Subscriber enters System displays

Enter Pin 5-digit Pin code last 5 transactions
Change Pin

1.Pay Utility Bill

2.Send Money
*786# 3.Favorites
4.My Account
5.Bank Transfers

Subscriber dials *786# Merchant selects option 4

Change Pin

1.Balance Inquiry 1.Change Pin

2.Mini Statement
3.Send A/C Info
4.Manage Pin
2.Create Pin
5.Web Login

Subscriber selects option 4 Subscriber selects option 1

Change PIN

Enter OLD Pin 12345

Subscriber enters 5-digit Pin

System asks for Old Pin
code to change
Change Pin

Enter New Pin 43435

Subscriber enters 5-digit New

System asks for New Pin
Pin Code
Change Pin

You have
Confirm New Pin 43435 Successfully
changed your
Pin

System asks to Subscriber re-enters Successful Message

confirm new Pin the same New Pin appears on USSD
Create Pin

1.Pay Utility Bill

2.Send Money
*786# 3.Favorites
4.My Account
5.Bank Transfers

Subscriber dials *786# Merchant selects option 4

Create Pin

1.Balance Inquiry 1.Change Pin

2.Mini Statement
3.Send A/C Info
4.Manage Pin
2.Create Pin
5.Web Login

Subscriber selects option 4 Subscriber selects option 2

Create Pin

You have
Enter New Pin 43435 Successfully
created your
Pin

System asks to Enter Subscriber enters 5- Successful Message

new Pin digit New Pin code appears on USSD
Transfer In

1.Pay Utility Bill 1.From Tameer

2.Send Money
*786# 3.Favorites
4.My Account
2.To Tameer
5.Bank Transfers

Subscriber dials Subscriber selects Subscriber selects

*786# from handset option 5 Option 1
Transfer In

Enter Amount 1000

Subscriber enters amount to

System asks for Amount
transfer from Tameer Bank Account
Transfer In

Now Receiving Rs
1000 from your 43545
Tameer Bank
Account. To
Confirm Enter Pin

System confirms the Subscriber enters 5-digit Pin

transaction by asking Pin Code
Transfer In
Subscriber receives
a SMS from 3737

Trx ID 343850. You have

transferred in Rs 1000
from A/C <Tameer A/c
#>. The fee is Rs. 0. New
easypaisa account
balance is Rs. 1500.
Transfer Out

1.Pay Utility Bill 1.From Tameer

2.Send Money
*786# 3.Favorites
4.My Account
2.To Tameer
5.Bank Transfers

Subscriber dials Subscriber selects Subscriber selects

*786# from handset option 5 Option 2
Transfer Out

Enter Short SHIORTNAME

Name

System asks for shortname of Subscriber enters the

transfer out account shortname
Transfer Out

Enter Amount 1000

Subscriber enters amount to

System asks for Amount
transfer to Tameer Bank Account
Transfer Out

Now sending Rs
1000 to 43545
SHORTNAME.
To Confirm Enter
Pin

System confirms the Subscriber enters 5-digit Pin

transaction by asking Pin Code
Transfer In
Subscriber receives
a SMS from 3737

Trx ID 343850. You have

transferred Rs. 1000 to
A/C <Tameer A/c #>. The
fee is Rs. 0. New
easypaisa account
balance is Rs. 500.
Web login
Subscriber logs into
the easypaisa website
()
6-Digit Web
Screen Number

Subscriber enters
mobile phone number

A six-digit web screen

number is displayed

The number
expires after 60
seconds
Web login

1.Pay Utility Bill 1.Balance Inquiry

2.Send Money 2.Mini Statement
*786# 3.Favorites 3.Send A/C Info
4.My Account 4.Manage Pin
5.Bank Transfers 5.Web Login

Subscriber dials Subscriber selects Subscriber selects

*786# from handset option 4 Option 5
Web login

Enter Web 883422

Screen No.

System asks for Web Screen Subscriber enters 6-digit web

number screen number
Web login

Your are
successfully
Enter Pin 84834 logged into the
Web

System confirms by Subscriber enters Successful login

asking pin 5-digit pin code message appears
Web login
Successful login screen
appears

Menu items are placed

on the left frame
Add Favorites

1.Pay Utility Bill

2.Send Money
3.Favorites
*786# 4.My Account
5.Bank Transfers

Subscriber dials *786# from

Subscriber selects option 3
handset
Add Favorites

1.Pay Favorite 1.Utility Company

2.Add Favorite 2.easypaisa No.
3.Delete Favorite

Subscriber selects option 2 Subscriber selects option 2

Add Favorites

Enter
easypaisa No. 034585018301

System asks for recipient Subscriber enters easypaisa

easypaisa account no account number
Add Favorites

Enter Favorite
Name AYYAZ

Subscriber enters Favorites

System asks for Favorite Name
Name
Add Favorites

Now adding
You have
AYYAZ to your
32764 successfully
favorite list. To
added AYYAZ to
confirm enter
your favorite list
PIN

System confirms the Subscriber enters 5-digit Confirmation message

transaction by asking PIN Secret PIN Code appears
Pay Favorites

1.Pay Utility Bill 1.Pay Favorite

2.Send Money
3.Favorites 2.Add Favorite
*786# 4.My Account
5.Bank Transfers 3.Delete Favorite

Subscriber dials Subscriber selects Subscriber selects

*786# from handset option 3 option 1
Pay Favorites

Enter Favorite
Name AYYAZ

Subscriber enters Favorite

System asks for Favorite Name
Name
Pay Favorites

Enter Amount 1000

System asks for Amount Subscriber enters Amount

Pay Favorites

Now paying Rs.

1000 to AYYAZ. 45345
To confirm enter
PIN

System confirms the Subscriber enters 5-digit Secret

transaction by asking PIN PIN Code
Pay Favorite
Sender receives Receiver receives
a SMS from 3737 a SMS from 3737

Trx ID 123456. You have Trx ID 123456. You have

sent Rs. 1000 to AYYAZ. successfully received Rs.
The fee for this 1000 from 034585057390.
transaction is Rs. 23.2. Your new easypaisa
Your new easypaisa account balance is Rs.
account balance is Rs. 15,000
3,500
Delete Favorite

1.Pay Utility Bill 1.Pay Favorite

2.Send Money
3.Favorites 2.Add Favorite
*786# 4.My Account
5.Bank Transfers 3.Delete Favorite

Subscriber dials Subscriber selects Subscriber selects

*786# from handset option 3 option 3
Delete Favorites

Enter Favorites
Name ALL

To populate a list of already added

System asks for favorite name
favorites, subscriber enters ALL
Delete Favorites

1.MyBill
2.AYYAZ
3.Account2
2

System populates a list of Subscriber select the favorite

favorites previously added to be deleted
Delete Favorites

Now deleting You have

AYYAZ from successfully
your favorite 32408 deleted AYYAZ
list. To confirm from your
enter PIN favorites list

System confirms the Subscriber enters 5-digit Successful message

transaction by asking PIN PIN Code appears on USSD
Fund Transfer to easypaisa Account
- Internet
Go to menu
Payments Make A Payment
Cellink
Enter recipients
easypaisa account
number

Enter Amount
Enter receiver easypaisa
account number, amount Enter Reference
and hit Next
Hit Next to continue
Hit Ok to Confirm
Transaction
Successful message screen
appears
Successful Message
Screen
Fund Transfer to CNIC
Go to menu
Payments Make A Payment
Money Transfer
Enter recipients
easypaisa CNIC

Enter Amount
Enter receiver CNIC number,
Amount, secret Pass-code Enter 5-digit Secret
and hit Next Pass-code

Hit Next to continue

Hit Ok to continue

Successful message screen

Successful message screen
appears
 Account Statement
Click on Statement Enquiry
Select To and From Date
Select Filters to view specific transaction and click OK

FUNDAMO
Account Number
Add Beneficiary - Cellink
Select Add/Update Beneficiary List Cellink
Enter beneficiary name
Enter beneficiary easypaisa account number
Click on save
Add Beneficiary Utility Bill
Select Add/Update Beneficiary List Utility bill
Enter a short name, to be referred later
Enter consumer Id
Select Utility Type (Electricity, Gas, Telephone)
Select utility company (KESC, MEPCO etc)
Press Save
Add Beneficiary Transfer Out
Select Add/Update Beneficiary List Transfer Out

A list of already added transfer out account is displayed

Click on Add to add new (Click on already added transfer out short name to edit)

Select Bank as Tameer

Select Account Type (Current, Savings)

Enter Account Number

Enter easy to remember Short Name

Press Next to continue

Schedule Payments
Add a Beneficiary Using Add/Update Benificairy List

Now go to Payments Schedule Payments

Click on Add

Select the beneficiary from the list displayed

Select frequency (daily/monthly/yearly/once)

Enter start date and end date

Enter Amount and click ok

Add/Update Transfer In
Select Add/Update Transfer In Account
Select Bank as Tameer
Select Account Type (Current, Savings)
Enter Account Number
Enter easy to remember Short Name
Press Next to continue
Now call helpline and register a request to authorize your Tameer bank
account details
Subscriber will receive a call from Tameer Bank and after verification,
subscriber can transfer funds from/to Tameer bank account