mPACS — Secure Mobile Banking for Co-operative Bank Members

Carry your co-operative bank in your pocket. mPACS is the official mobile banking app from SIMS for members of SIMS Test Bank and partner co-operative banks — check balances, view your digital passbook, and move money securely, anytime.

YOUR ACCOUNTS AT A GLANCE
- My Accounts gives you a single overview of every account — SB, Cash Credit (CC), Fixed Deposit (FD) and Loan balances in one view
- Tap any account to open its passbook and see the full story behind the balance
- Multi-account support under one secure login

DIGITAL PASSBOOK & MINI-STATEMENT
- Open your digital passbook whenever you need it
- Browse date-wise transaction history at your own pace
- Download statements as a PDF to save, print or share

SEND & RECEIVE MONEY
- Send money to fellow members with member-to-member SB transfers
- Transfer to accounts in other banks via RTGS and NEFT
- Receive via RTGS/NEFT — view and share your account details to get money from other banks, and track incoming transfers
- Clear, guided screens that walk you through each step

QR PAY & RECEIVE
- Scan to pay, or show your QR code to receive — within the bank
- Fast intra-bank QR payments, no card needed

STAY ON TOP OF YOUR MONEY
- Notifications centre — bank announcements and your recent account activity in one place, grouped by day
- Recent activity feed keeps your latest transactions in view
- My Dues and My Liabilities help you track what you owe
- Passbook-only view for members who simply want to check their account

YOUR PROFILE, YOUR SETTINGS
- The Profile hub puts your details and app settings in one place
- Switch to dark mode for comfortable viewing, day or night
- Moving to a new phone? Switch Phone securely moves your banking to your new device
- Your bank's support contacts built in — reach us by phone, WhatsApp or email right from the app

BUILT FOR TRUST AND SECURITY
Your security comes first. Sign in with a private 6-digit PIN (biometric-ready on supported devices), and bank with confidence knowing that PIN screens block screenshots to help protect your credentials. Your account works only on your registered device — and when you change phones, Switch Phone moves your access safely.

MADE FOR KERALA'S CO-OPERATIVE BANK MEMBERS
mPACS is built to be simple and clear — whether this is your first banking app or the one you use every day. From balance checks to your passbook and fund transfers, everyday banking stays easy and within reach.

Download mPACS today and manage your co-operative bank account anytime, anywhere.

Note: Bill Payments and ATM services are not currently available in mPACS. Features may vary depending on your bank and account type.