The Classic service runs on Java-enabled phones and Smartphones (iPhone, Android, Blackberry). You can carry out the following transactions on the Classic service:

• Funds Transfer (Inter-Bank & Intra-Bank)
• Bills Payment
• Phone Airtime Purchase
• Balance Enquiry
• Mini Statement

You can download this App on all Java-enabled mobile phones. Simply send "D AM" to 20220 as an SMS in order to download and run the Mobile Banking application. If you have a smart phone, please visit the App store and search for / type in the Search bar "Mobile Banking-Classic" to download.

• Dial *903# from your mobile phone.

• Enter 1 to select "Buy Airtime" option

• Select either "Top up my Number" or "Other Phone number" option

• Input amount and Input Phone number for "Other Phone number" option.

• Input PIN to validate transaction.

• A notification is sent via SMS on the successful transaction of the top-up.

• Dial *903# from your mobile phone.

• Enter 3 for "Bill Payment" option.

• The menu will display different Bill Payment option available (DSTV, PHCN etc)

• Enter the number for appropriate option e.g Enter 2 for DSTV bills payment.

• Supply the necessary details and follow the prompt.

Withdraw through our Agents

Steps:

• Visit any of our Access Money Agent nearest to you.

• Dial *903# from your phone and select "Withdraw Money" option

• Select "Agent Withdrawal" option.

• Enter the Amount, Agent Code and validate the transaction with your PIN.

• You will receive a notification via SMS that your transaction has been processed.

• Receive the cash from the agent.

Withdraw through ATM

Steps:

• Dial *903# from your phone and select "Withdraw Money" option

• Select "ATM Withdrawal" option.

• Enter the Amount and validate the transaction with your PIN.

• You will receive a transaction code for successful withdrawal.

• Keep the code and visit any of our nearest ATM

• Press '0' to perform a cardless withdrawal.

• Select Access Money and Input your Phone number, Amount Initiated, and the transaction code received and select continue.

• Receive your cash from the ATM.

Send Money to a Mobile Wallet

Steps:

• Dial *903# on your phone

• Select "Send Money" option

• Select to Access Money Account

• Input beneficiary's phone number and amount

• Enter PIN to validate your transaction.

• You will receive a notification via SMS that your transaction has been processed.

Send Money to any Bank Account

Steps:

• Dial *903# on your phone

• Select "Send Money" option

• Select to Bank Account

• Select Bank Name and Input Account Name

• Enter Amount and Input PIN to validate transaction.

• You will receive a notification via SMS that your transaction has been processed.

Access Money agency service has 3 categories as shown below:

Category	Responsibility
Super Agent	Have contractual relationship with the MMO. The Super agent is to recruit and manage a pool of Mobile Money agents who will be referred to as Sub agents
Sub Agent	Is an agent recruited by an aggregator to service end-users? The sub agents are managed by the aggregator
Direct/Sole Agent	Are agents directly recruited by the bank/MMO to service end-users? Direct/Sole agent operates on its own and relate directly with the representatives of the bank/MMO.