# e-cash

## Electronic Cash

# e-cash

#### Mandiri e-cash, or “phone cash”, is a server-based electronic money product that uses mobile-phone applications and USSD. This allows you to conduct banking transactions without having to open an account at a Bank Mandiri branch. The key advantages of Mandiri e-cash are the social banking experience and the convenience social banking affords.

Mandiri e-cash offers three benefits that make life easier for you: Easy to Get, Easy to Refill, and Easy to Use

## Easy to Get

Every mobile phone owner can be a Mandiri e-cash user

- For smartphone users, just download the mandiri e-cash app from App Store or Google Play

- Download application from ...........
- Install app and enter your name, email address, date of birth, secret word, PIN
- You are now registered as a mandiri e-cash user

- For users of basic/feature mobile phones, just access *141*6#

- Access *141*6#, select e-cash > admin menu > registration menu
- Enter your name, secret word, PIN
- You are now registered as a mandiri e-cash user

## Easy to Refill

Your mandiri e-cash balance can be topped up using a range of channels

- Mandiri ATMs

- Insert your mandiri debit or ATM Bersama card in a mandiri ATM
- Select the electronic money menu > mandiri e-cash menu > refill menu
- Enter your mobile number > enter refill amount

- Mandiri sms (*141*6#)

- Access *141*6#
- Select Transfer menu > e-cash menu
- Enter you mobile number > enter refill amount

- Mandiri internet

- Login to mandiri internet
- Select electronic money menu > mandiri e-cash menu > refill menu
- Enter you mobile number > enter refill amount

- Mandiri clickpay

- Login to mandiri e-cash application
- Select e-cash refill menu > enter the number of your mandiri debit card
- Enter refill amount and internet response code

- Transfer from another bank

- Access other bank’s e-channel > transfer to Bank Mandiri (008)
- Enter destination account number using “80 + mobile number”
- Enter refill / transfer amount

- Retail Outlet

- Visit a participating retail outlet
- Give the mobile number that to be topped up
- Pay the refill amount

## Easy to Use

Make all your payments conveniently using mandiri e-cash

- Get refills for you mobile phone / PLN tokens

- Login to mandiri e-cash application or access *141*6#, e-cash
- Select payment/purchase menu > buy mobile refill /PLN token > enter customer number
- Enter PIN and OTP (one-time password) > transaction successfully completed

- Make payment to store (Physical Store)

- Login to mandiri e-cash application or or access *141*6#, e-cash
- Select pay store menu > enter payment amount
- Receive OTP (one-time password) and present it to cashier > take EDC receipt

- Online purchase

- Visit merchant’s website > select purchase > pay with mandiri e-cash
- Enter mobile number > enter PIN
- Receive OTP (one-time password) and enter on website > transaction successfully completed

- Transfer

- Login to mandiri e-cash application or or access *141*6#, e-cash
- Select send e-cash/friend > enter transaction amount > enter PIN & OTP
- Transfer successfully completed > proof of transfer appears and recorded in timeline/transfer record

- Cash withdrawal

- Login to mandiri e-cash application or or access *141*6#, e-cash
- Select cash withdrawal > enter amount of cash withdrawal > enter PIN
- Receive OTP (one-time password) and enter in ATM > transaction successfully completed

## Other Transactions

Make all your payments conveniently using mandiri e-cash

## Cash Transfers and Withdrawals

Mandiri e-cash users must upgrade their status from unregistered to registered by:
Enjoy an outstanding experience when conducting other transactions
Cash Transfers and Withdrawals
Mandiri e-cash users must upgrade their status from unregistered to registered by:
- Mandiri ATM

- Insert your mandiri debit card into ATM
- Select economic money menu > mandiri e-cash menu > service upgrade menu
- Enter you mobile number > upgrade successfully completed

- Mandiri SMS (*141*6#)

- Access *141*6#
- Select Admin menu > e-cash service upgrade
- Enter mobile number > upgrade successfully completed

- Mandiri internet

- Login to mandiri internet
- Select electronic money menu > mandiri e-cash menu > service upgrade menu > enter mobile number > upgrade successfully completed

- Mandiri Branch Office

- Visit Bank Mandiri branch office
- Complete Service Upgrade form
- Provide photocopy of valid ID

Comparison of Services Available to Unregistered Users and Registered Users

No | Service | Unregistered User | Registered User
1 | Maximum Balance | One million rupiah | Five million rupiah
2 | Refills | Yes | Yes
3 | Purchases/Payments | Yes | Yes
4 | Transfers | No | Yes
5 | Cash withdrawal | No | Yes

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