Conduct banking transactions can be done anywhere and anytime using your cell phone easily. BNI SMS Banking Menu is an SMS-jacket* application for Windows Phone Platform. BNI SMS Banking Menu allows you to conduct every transaction simply by choosing the transaction menu such as cellular phone reload, bill payment, credit card payment, transfer to another BNI account or interbank fund transfer. To use the application, you have to be a registered-user. You can simply do the registration process through BNI ATM or any BNI Branches. As a non-financial registered user, you can only conduct non-financial transactions such as: 1. Balance inquiry 2. Last historical transaction inquiry 3. Billing inquiry, such as: Credit Card, telephone and electrical billing, etc 4. You can also change your BNI SMS Banking PIN To be a financial registered user, you have to come to every BNI branches to do the activation process. As a financial registered user, you can conduct all non-financial transactions and also these following financial transactions: 1. Fund transfer to another BNI accounts and also interbank fund transfer 2. Reload Prepaid Telco products 3. Reload PLN Prepaid 4. BNI and Non-BNI Credit Card payments 5. Telkom and PLN billing payments 6. Zakat, Infaq, and Qurban 7. Airplane ticket payments, etc For further information, please contact BNI Call (1500046). *SMS charges are depend on your cellular provider