NIC Asia Bank

A zero-balance savings account open to citizens of all income levels and ages.

• Zero minimum balance
• Free debit card for first 12 months
• Free mobile banking for first 12 months
• Payments at 1,000+ merchant outlets
• Open to all customers, no income limit

A savings account for people working abroad and their families to receive remittances.

• Minimum balance zero
• 1% p.a. above normal saving deposit rate
• For remittance senders and their families
• Payments at 1,000+ merchant outlets
• Direct banking-channel remittance routing

A corporate salary account for an institution's employees for salary management.

• Mobile banking free for first year
• Debit card free for first year
• Payments at 1,000+ merchant outlets
• For organizations with fewer than 50 employees

A savings account aimed at interest-sensitive individuals of any age group.

• For interest-sensitive individuals of any age
• Payments at 1,000+ merchant outlets
• Scheme-transfer charge waived for existing scheme holders
• Digital and loan facility per Standard Tariff

A premium fixed deposit account for individuals and institutions.

• Tenure 3 months to 15 years
• Interest as per published rate
• For individual and institutional customers
• Access to 1,000+ merchant outlets

A premium fixed deposit designed for customers in foreign employment.

A remittance-linked savings account oriented toward IPO application.

A bundled savings account product.

A home loan for purchasing, constructing, or renovating residential property.

• Loan NPR 5 million to NPR 30 million
• Tenure 5 to 25 years (incl. moratorium)
• Up to 80% financing for first-time buyers
• Up to 70% financing for other purposes
• Interest: Base Rate + 0.25% to 2.25% premium
• Age 21 at application, max 70 at maturity

A non-collateral loan for salaried individuals, pensioners, and professionals.

• Up to NPR 15 lakh (term loan)
• NPR 5 lakh for pension/overdraft facilities
• Term loan tenure up to 7 years
• Overdraft 12 months, renewable
• Minimum age 23; max 58 at maturity (68 pension)
• Interest as per published rate

Financing to purchase four-wheeler private, green, or commercial vehicles.

• Loan NPR 4 lakh to NPR 3 crore
• Private vehicles up to 60-80% financing
• Commercial vehicles up to 50-60% financing
• Private tenure up to 10 years
• Commercial tenure up to 5-7 years
• Age 21-70 at maturity

A collateral-based loan for higher studies in Nepal or abroad.

• Loan NPR 0.3 million to NPR 10 million
• Tenure 1 to 20 years (excl. moratorium)
• Up to 80% financing of land/building value
• Up to 90% against fixed deposits
• Applicant age 18-80 at maturity
• Optional interest-only moratorium period

A loan against gold or gold ornaments, also financing gold purchase.

• Loan NPR 100,000 to NPR 5 million
• Up to 80% of value for gold bars/coins
• Up to 70% of value for gold ornaments
• Term loan up to 5 years; overdraft 1 year renewable
• Minimum age 18, max 80 at maturity
• Interest: Base Rate + 1% to 3% premium

A digital instant loan against a customer's own fixed deposit.

• Up to 90% of FD value or NPR 200,000, lower
• Instant disbursement via mobile/website up to NPR 200,000
• Tenure max 1 year or FD maturity, renewable
• Interest paid quarterly, principal at maturity
• Individual NPR fixed deposit holders only
• Lien on FD as security

An EMV chip debit card usable in Nepal, India, and Bhutan.

• Tap & pay contactless up to NPR 5,000
• EMV chip with eco-friendly green PIN
• Daily ATM limit NPR 50,000 (Nepal)
• Daily POS limit NPR 200,000 (Nepal)
• SMS and email transaction alerts
• 3D secure online shopping; no e-commerce annual fee

A revolving Visa credit card for retail and online purchases.

• Interest-free credit period up to 45 days
• EMI conversion facility
• Contactless tap-and-pay with chip & PIN
• Valid for 5 years
• Eligibility age 18-69, 2 years experience
• Free e-commerce registration, no annual fee

A USD prepaid card for international online purchases.

• For international online payments in USD
• Transaction limit up to USD 500
• Validity 3 years
• Instant card issuance
• Free for 1st load transaction
• Requires PAN card and self-declaration

A prepaid Visa travel card for use outside Nepal, India, and Bhutan.

• For international travel (excl. Nepal/India/Bhutan)
• ATM withdrawal up to USD 2,500 daily
• POS purchases up to USD 2,500 daily
• E-commerce up to USD 2,000 daily
• Validity 5 years
• Requires passport, visa, and air ticket

An aggregated link-based payment system for merchants with or without a website.

• Link-based payments, no website needed
• Aggregates Fonepay, ConnectIPS, NPS, wallets, MoBank
• Accepts domestic and international payments
• No additional hardware required
• For businesses of any size

A card-linked installment/buy-now payment facility.

The bank's mobile banking app for payments, transfers, and account services.

• QR scan-and-pay payments
• Fund transfer between registered accounts
• Utility and bill payment, mobile top-up
• IPO application and fixed deposit opening
• Cardless withdrawal and remittance
• 128-bit SSL encryption
• Per-transaction and daily limit NPR 300,000

Web banking portal accessed with MoBank credentials or QR login.

• Login with MoBank credentials or QR scan
• Accessed via omni.nicasiabank.com
• Same features as mobile banking

An online service for receiving international and domestic money transfers.

• Instant credit to any Nepalese bank account
• Over 12,000 payout locations across Nepal
• Doorstep / Call and Pay delivery
• Available at branches, counters, branchless units
• Automated AML and KYC compliance
• Partners incl. Al Ansari Exchange, SentBe, WorldRemit