USER GUIDE
BILL PAYMENTS & FUND TRANSFERS
SMART
ONLINE BANKING SYSTEM
ELECTRONIC BANKING UNIT,
21ST
FLOOR,
BANK OF CEYLON – HEAD OFFICE.
Table of Contents Payment options ............................................................................................................................................ 1
Pay now ..................................................................................................................................................... 1
Pay later .................................................................................................................................................... 1
Pay Periodically ........................................................................................................................................ 2
Fund Transfer Limits .................................................................................................................................... 2
Bill Payments ................................................................................................................................................ 3
Add Billers ................................................................................................................................................ 3
Add a biller as Ordinary/Unregistered ...................................................................................................... 5
Add a biller as Register ............................................................................................................................. 6
Bill Payment.................................................................................................................................................. 8
Bill payment to a “registered” biller ......................................................................................................... 9
Bill payment to an “unregistered” biller ................................................................................................. 10
Fund Transfer .............................................................................................................................................. 11
Beneficiary Maintenance ............................................................................................................................ 11
Add “Third Party - BOC Account” ......................................................................................................... 12
Add “Third Party – Other Bank” Account .............................................................................................. 14
View/Modify/Delete beneficiaries .......................................................................................................... 19
Transfer funds ............................................................................................................................................. 20
Own Account Transfer ............................................................................................................................ 20
Third Party – BOC Accounts .................................................................................................................. 23
Select Beneficiary (Third party - BOC accounts) ............................................................................... 23
Transfer funds to another BOC account which is not belong to you .................................................. 24
Example: Transfer funds to another BOC account which is not belong to you .................................. 25
Third Party – Other Banks ...................................................................................................................... 26
Select Beneficiary (Third party – Other Bank accounts) .................................................................... 27
Transfer funds to Other Bank account ................................................................................................ 28
Example: Transfer funds to Other Bank account (Non BOC) ............................................................ 29
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Payment options
You can choose the payment options when you make a payment to a biller or transferring funds to an
account.
Pay now: payment will be submitted to the biller/account at the same time of your transaction
submitted.
Pay later: You can select the date on which the payment should be made for the biller/account
Subjected to the
availability of funds and
the status of the account
Subjected to the
availability of funds and
the status of the account
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Pay Periodically: You can use this option, if you know the payment amount which needs to be done
for a particular biller repeatedly (periodically)
Fund Transfer Limits
Fund transfer limit applicable for customer will be assigned by the bank. Limit will be applied for all
debit allowed accounts under your name. Limit will be applicable to different categories and number of
transactions allowed for different categories will also be limited.
You are allowed to reduce the assigned limit and increase the limit upto approved amount, which will be
applied immediately. Any request of higher limit package should be requested to the branch.
You are advised to keep your limit at minimum level to mitigate the risk.
Subjected to the
availability of funds and
the status of the account
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Bill Payments
You can pay bills for several “billers” using the BOC Internet & Mobile Banking System.
All billers should be registered prior to payment whether it is registered or unregister.
You can make immediate payments at the same time or scheduled payments to future date.
If you are a new user, you will have to add billers. If you were a user of OLD - BOC Internet Banking
System, you can view the migrated bill/biller details in the system under “Bill Payments”
Add Billers
Click on “Bill Payments” and “Register Biller”
If you are a new user to the system, you will see the message displayed here
Click on “Add New Biller”
Please select customer
Please select the biller
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Select a Biller: Please select the biller from the list of billers
Biller Type: Two options are available
Ordinary/Unregistered: You can register a biller without any account number and could be used
to pay bills by typing the account number at the time of payment
You can’t edit the nickname if you add Ordinary/Unregistered biller
Register: You can add a biller with account number and you will no need to type the account
number at every time you pay the bill for that account number. (eg:mobile number)
o Account number with biller: will be renamed according to the biller selected
o Nickname: could be used to identify your favorite billers
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Add a biller as Ordinary/Unregistered
You can’t add a “nickname” or “number” to the billers when you register billers as
“Ordinary/Unregistered”.
You can add the “number” when you pay for the biller.
This option will allow user to pay for custom numbers of the biller.
Your added biller will be displayed in “Biller information” page which could be accessed through
“Register Biller”
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Add a biller as Register
You can add a “nickname” or “number” to the billers when you register billers as “Register”.
You can’t add the “number” when you pay for the biller.
This option will only allow user to pay for the registered number of the biller.
Your added biller will be displayed in “Biller information” page which could be accessed through
“Register Biller”
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Delete Biller
Your added biller will be displayed in “Biller information” page which could be accessed through
“Register Biller”
Select the biller you need to delete and press “Delete”
Press “confirm”
“Delete biller successful” message will be displayed.
List of billers who are in the user account will be displayed without the biller you’ve deleted before.
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Bill Payment
You can pay bills using “Pay Bill” in the “Bill Payments” menu
Please select customer
Please select the biller
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Bill payment to a “registered” biller
1. Select “Customer”
2. Select “Biller” (the account number displayed at the end of biller name)
3. Will display the account number attached to the biller
a. eg:
i. mobile number 0777123456 for this example”
4. Click on “next”
5. Select the account which should be debited to pay the bill amount.
6. Type “Bill amount”
7. Select the method which bill should be paid. (Pay now, Pay later or Pay periodically)
8. Submit
Confirm the details in “Pay Bills-Verify” page
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Bill payment to an “unregistered” biller
1. Select “Customer”
2. Select “Biller”
3. Type the account number related to the biller
a. eg:
i. mobile number 0712755555 for this example”
4. Click on “next”
6. Select the account which should be debited to pay the bill amount.
7. Type “Bill amount”
8. Select the method which bill should be paid. (Pay now, Pay later or Pay periodically)
9. Submit
Confirm the details in “Pay Bills-Verify” page
Please select customer
Please select the biller
Type the account number
related to the biller
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Fund Transfer
With “BOC SMART online Banking” system, you can transfer money (funds)
Within your Own BOC
accounts
No need to add your own accounts because all your fund transfer
allowed accounts will be available in the “Own Account Transfer”
page
To third party BOC
accounts
You can select third party accounts at the “Third Party – BOC
Accounts” page.
If you need to add new third party BOC account, it could be done
using “Beneficiary Maintenance”
To third party other bank
accounts.
You can select third party Other bank accounts or Credit Cards at
the “Third Party – Other Banks” page.
If you need to add new third party other bank account, it could be
done using “Beneficiary Maintenance”
Beneficiary Maintenance
You can add or delete any third part BOC or Other Bank account using this page.
You can search existing third party accounts using the search filters in the page
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Add “Third Party - BOC Account”
Select “Third Party – BOC Accounts” from the drop down menu in “Transaction Type” and press “Create
Beneficiary Template”
Add beneficiary name to identify the account for yourself
Beneficiary Account number Type the correct account number here. If you are having any
doubt, please contact the account holder.
Beneficiary Email Email will be sent to the email address provided here when fund
transfer is done to the account number stated here. This is not
mandatory. But it’s an option to confirm the receiver about the
credit transfer to the account.
(Separate email will be sent to your email address when fund
transfer is completed. So, no need to add your email address here)
1 2
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Pressing “Add” will display the account holders name as per the bank (Beneficiary Name as per Bank) to
verify if the account number is correct. Please add the correct account number if it’s not as per the name
you knows.
“Beneficiary Name as per Bank” is displayed for your reference only.
Pressing “Confirm” will display “Add Beneficiary – Confirm” page
Added accounts could be searched at “Beneficiary Maintenance” page or at “Fund Transfer” pages
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Add “Third Party – Other Bank” Account
Select “Third Party-Other Banks” for Transaction Type and click on “Create Beneficiary Template”
“Add beneficiary” page
1 2
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Nick Name Type the nickname here. It will help you to identify the account
Beneficiary Name Type the account holder name. Please use actual name for this. This name
will appear in the E-recipts
Destination Type Please select “Account Credit or Other Bank Credit Card”
Receive over the counter is not implemented yet
Beneficiary Email Email will be sent to the email address provided when fund transfer is
completed to the account number stated here. This is not mandatory. But
it’s an option to confirm the receiver about the credit to the account.
(Separate email will be sent to your email address when fund transfer is
happened. So, no need to add your email address here)
Beneficiary
Account Number Type the correct account number here. If you are having any doubt, please
contact the account holder.
Format of the bank account numbers could be viewed by clicking on the
link provided at the bottom of the “Add Beneficiary” page.
Processing mode Select the processing mode. If you wish to send funds using CEFT and
SLIPS (both modes) to the same account number, you should add the same
number as CEFT and SLIPS.
Two separate entries should be added for CEFT & SLIPS
Bank code/ Bank
Name/ Branch
Name
Please use magnifier glass to select the Bank details. Popup will be
displayed to find the bank branch. Use search filters to find the correct
branch. Fields will be filled automatically
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Select Bank
1
2 3
3
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View/Modify/Delete beneficiaries
Select “Beneficiary Maintenance” from the “payments” menu
Select “Transaction Type”-Mandatory
Type search filters (Nickname, Beneficiary Name or etc)-not mandatory
Click “Search”
Will display the beneficiaries available under the user.
You can view, modify, delete available beneficiaries here
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Transfer funds
Own Account Transfer
Existing Template You can open templates saved in the system for “Own Account
Transfer”
You can save templates by using
“Save as template”, “Save as Draft” and “Save & Submit”
Data in selected template will be expanded (filled) in to the fields of
the page and you can make changes if needed.
Make new payment You can transfer funds using this selection.
You will have to feed every detail about the fund transfer
User Reference Type any reference you need to identify the transaction yourself
Source Account Select debit account
Destination Account Select Credit account
Payment Details –
Transfer Amount
Type the transfer amount here
To identify the transaction
inside the account
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Payment method Select the payment method (Pay now, Pay Later, Pay Periodically)
(Please refer “Payment methods” in the beginning of this document)
Description Add the reference here to identify the fund transfer. This field will be
written to the account
View Limits Limits assigned to the user could be viewed.
Save as Template Details entered could be saved to use later.
Save as Draft Save the details entered in to the page to be used later.
Initiate Transaction will be submitted to process.
Save and Submit Transaction will be saved in templates and submitted to process.
Example: Transfer funds to another BOC account which is belong to you
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Third Party – BOC Accounts
With BOC SMART online banking system, you can easily transfer funds/money to BOC accounts which
are not belong to you.
Select Beneficiary (Third party - BOC accounts)
Please click on the Magnifier glass icon near the “Beneficiary account” label
Search using search criteria or just press “Search” to view all 3rd
party BOC account list
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Transfer funds to another BOC account which is not belong to you
Add user reference
Select Source Account
Use Magnifier glass icon to
select the Beneficiary Account
Type Transfer amount & Select Currency
Select payment method from 3 options
Add a Description to be added to account with the transaction
Click on initiate to submit the transaction or
any other option as your need
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Example: Transfer funds to another BOC account which is not belong to you
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Third Party – Other Banks
With BOC SMART online banking system, you can easily transfer funds/money to accounts which are
not maintaining with Bank of Ceylon.
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Select Beneficiary (Third party – Other Bank accounts)
Please click on the Magnifier glass icon near the “Beneficiary name” label in “Beneficiary Details”
Search using search criteria or just press “Search” to view all “Other Bank” account list registered by you.
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Transfer funds to Other Bank account
Add user reference
Select Source Account
Use Magnifier glass icon to
select the Beneficiary Account
Type Transfer amount & Select Currency
Add a Description to be added to
account with the transaction
Click on initiate to submit the transaction or
any other option as your need
Will depend on the account and
the registered processing mode of
the account selected
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Example: Transfer funds to Other Bank account (Non BOC)
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