Frequently Asked Questions (FAQs)
FMFB-A is committed to answering all your banking questions. Below is a list of FAQs we have compiled that may help in answering your question.
Retail Online Banking FAQ
Yes, the limitations for individual and corporate users are as follows:
| Individual Users | ||||
| Per Transaction Limit – Normal Customers | ||||
| No | Scenario | No. of Transaction | Volume in AFN | |
| Min | Max | |||
| 1 | Own Account Payment | N/A | 200 | 50,000.00 |
| 2 | Internal Payment | N/A | 500 | 25,000.00 |
| 3 | Domestic Payment | N/A | 500 | 50,000.00 |
| 4 | International Payment | N/A | 10,000 | 250,000.00 |
| Daily Transaction Limit – Normal Customers | ||||
| No | Scenario | No. of Transaction | Daily Limit in AFN | |
| 1 | Own Account Payment | 15 | 250,000.00 | |
| 2 | Internal Payment | 15 | 250,000.00 | |
| 3 | Domestic Payment | 15 | 250,000.00 | |
| 4 | International Payment | 15 | 250,000.00 | |
| Corporate Limits | |||||
| Limits – SME Customers | |||||
| No | Scenario | Volume in AFN | No. of Trnx | Daily Limit in AFN | |
| Min | Max | ||||
| 1 | Own Account Payment | 200.00 | No Limit | 15 | No Limit |
| 2 | Internal Payment | 500.00 | 250,000.00 | 15 | 500,000.00 |
| 3 | Domestic Payment | 500.00 | 500,000.00 | 15 | 2,000,000.00 |
| 4 | International Payment | 1,000.00 | 500,000.00 | 15 | 2,000,000.00 |
Once you login to the FMFB-A Online banking Platform, on the Payments section:
- select transfer money
- Select manage Payees and Billers
- Add new Payee
- Enter the details of person you want to transfer money
- click on the transfer money option after new payee added to your payee list
- select the payee
- Choose your account if you have different accounts with FMFB-A mention the amount you want to transfer and details of the transfer
- Click to the transfer button
- Review the details of transfer and Click on confirm button
- FMFB-A Sent a verification Code on your mobile number and Email write the verification code, then click submit after that the confirmation of your transfer will show on your screen.
After your first-time login with the OTP (One-time Password) which is sent to you from the ADC Unit of FMFB-A You can set your Password.
What If I forgot my login Password?
It is easy to change your password, on the login page of online banking platform, find the forgot password option and change your password, if you enter more than three times wrong password Your online banking User access is automatically blocked from the system, you must call the FMFB-A Customer service team to unblock you access and then change your password.
Can I conduct domestic and international fund transfer through FMFB-A online banking services?
You can do Internal, domestic and International fund transferring.
It is majorly free; however, standard transaction charges will be applied as per FMFB-A Schedule of Bank Charges.
For Retail account, the customer shall visit the bank in person and fill the Retail Application Form.
Any FMFB-A Account holder, and those who wish to open an account with the bank.
It fulfills your banking needs from the comfort of your home, office or even if you are travelling. All you need is an internet connection and your FMFB-A Internet Banking login credentials
You can conduct money transfers, payments, manage your day to day banking activities, view Account Details, View Transaction History, request statement, cheque book request, enquire about Cheque Status, stop/Unblock Cheque and loan Repayments.
If you are an android user you can download it from Play Store and if you have iPhone you can download the FMFB-A online banking app from App Store.
FMFB-A Online Banking is an online banking solution for customers that have accounts with us and whom would like to manage their accounts.
Corporate Online Banking FAQ
Yes. We at FMFB-A developed a comprehensive SMS Banking User Manual that takes you through a step-by-step journey on how to use SMS Banking Services. To receive the document, all you need to do is to send us an email to customerservices@fmfb.com.af or contact us by dialing 599 and request for the “SMS Banking User Manual”.
You can only initiate a money transfer when the payee to whom transfers are required to be made are registered in your online banking application. For the complete guideline of different types of Payee (Internal, Domestic and International) contact with FMFB-A Call center team.
1) Payee Name
2) Upload Photo
3) Account type (Internal, Domestic and International)
4) Account Number and Confirm Account Number
5) Account Name
6) Nickname
7) Access type
8) Click Add after clicking Add button the Review screen appears
9) Then Click Confirm
Transfer Funds/Money enables you to initiate payment from your bank account to any other bank account without visiting the bank, enjoying from the ease of your home through online banking. Payments are categorized on the basis of transfer to account within your own accounts, the bank, outside the bank and beyond geographical boundaries, such as;
1. when the transfer is between your own accounts it is called My Account Transfer,
2. when the transfer is to an account within the bank it is an Internal Transfer,
3. transfer to an account outside the bank, but within the country is called a Domestic Transfer, 4. and, a transfer to an account outside the country is called an International Payment.
IMPORTANT: Before transferring funds, you must create or add a payee on your online banking application.
You can do Internal, domestic and International fund transferring.
It is easy to change your password, on the login page of online banking platform, find the forgot password option and change your password, if you enter more than three times wrong password Your online banking User access is automatically blocked from the system, you must call the FMFB-A Customer service team to unblock you access and then change your password.
After your first-time login with the OTP (One-time Password) which is sent to you from the ADC Unit of FMFB-A once you login to your online banking user, the next page requests you to set your Password by enter your current OTP Password on the current Password section you can set a new password for your online banking user, set your password as per password instructions at the right side of the screen.
It is majorly free; however, standard transaction charges will be applied as per FMFB-A Schedule of Bank Charges.
Yes FMFB-A Corporate online banking allows you, that different USERS have access to same corporate account with different Passwords and USER ID.
For Corporate account, all the authorized signatories shall visit the bank in person (those signatories who are requesting for user) and fill the Corporate Application Form.
In corporate online banking.
Any FMFB-A Account holder, and those who wish to open an account with the bank.
It fulfills your banking needs from the comfort of your home, office or even if you are travelling. All you need is an internet connection and your FMFB-A Internet Banking login credentials.
You can conduct money transfers, payments, manage your day to day banking activities, view Account Details, View Transaction History, request statement, cheque book request, enquire about Cheque Status, stop/Unblock Cheque and loan Repayments.
If you are an android user you can download it from Play Store and if you have iPhone you can download the FMFB-A online banking app from App Store.
FMFB-A Online Banking is an online banking solution for customers that have accounts with us and whom would like to manage their accounts.
SMS Banking FAQ
We at FMFB-A work hard to ensure that our customers get the very best of services. For any queries regarding SMS Banking with FMFB-A, please do go through the following list of FAQs. If your question is not listed under these SMS Banking FAQs, please contact us either through (599), or customerservices@fmfb.com.af.
Yes. We at FMFB-A developed a comprehensive SMS Banking User Manual that takes you through a step-by-step journey on how to use SMS Banking Services. To receive the document, all you need to do is to send us an email to customerservices@fmfb.com.af or contact us by dialing 599 and request for the “SMS Banking User Manual”.
No. FMFB-A does not impose any charges to be passed on to customers. Only the normal charges will be applied per SMS as set by your telecommunication network (carrier).
No. They are not case-sensitive.
To request information about your account you can send an SMS to 599 with a specific “SMS Code”. The SMS Codes to use are as follows:
- BAL (space)Account No. => For Balance Inquiry
- STM (space)Account No. => For Mini-Statement Inquiry
- CBR (space)Account No. => For Cheque Book Request
- BLOCK (space)Cheque No. => For Blocking Cheque for the default account
- BLOCK (space)Account No. => For Blocking Cheque for the specified account
- UNBLOCK (space)Cheque No. => For Unblocking Cheque for the default account
- UNBLOCK (space)Account No. => For Unblocking Cheque for the specified account
- CHQ (space)Cheque No. => For requesting Cheque Status for the default account
- CHQ (space)Account No. => For requesting Cheque Status for the specified account
- DEP (space)TD Acc No. => For Term Deposit (TD) Inquiry
- LOAN (space)Loan Account No. => For Loan Account Inquiry
- ACL => For Account List Inquiry
- RATE (space)Currency Code => For Currency Exchange Rate Request
- BRANCH (space)Province Code => For Bank Branch Location Inquiry
- ATM (space)Province Code => For ATM Location Inquiry
If the Mobile Phone Number which is registered for SMS Banking is lost, stolen or sold to another individual, then you should immediately notify FMFB-A of the incident and cancel the SMS Banking Services.
No. Only one mobile phone number can be registered for SMS Banking services.
Once you are registered for SMS Banking Services, you can request the following at any time:
- Account Balance Inquire
- Mini-Statement Inquire
- Cheque book request
- Block cheque request
- Unblock cheque request
- Term deposit Inquire
- Loan Account Inquire
- Account list Inquire
- Currency exchange rate request
- Bank branch location inquire
- ATM location inquire
Before using SMS Banking Services, you need to visit one of FMFB-A’s branches to fill the Online Banking Registration Form and select “Activation of SMS Banking Services”.
There are several points of benefits offered by FMFB-A SMS Banking as per following:
- Allows you to make requests and receive relevant banking information with the use of your phone.
- You can check account balance, receive mini-statement, request cheque book, currency exchange rate and many more.
- Offers higher convenience as there is no need for visiting the bank branches every time.
- Ease of gaining access to your bank account information as and when you need it.
SMS Banking can be regarded as a type of mobile banking. It is a specialized facility made use of by the leading banks & financial institutions towards sending messages (SMS) to the respective mobile phones of the customers by making use of the SMS messaging technique. The messages can be in the form of alerts or notifications as well. Through the use of SMS Banking, the customers are enabled the ease of performing various types of financial transactions by using the SMS technology.
FMFB-A Gold Client Protection Certification
- Download FMFB-A’s Gold Certification Certificate
- Learn more about Inclusion [Social Ratings]: https://www.inclusionsocialratings.org
- Learn more about CERISE+SPTF Standards: https://sptfnetwork.org/standards/universal-standards
FMFB-A is committed to:
- Continuous improvement of client protection systems
- Expanding financial literacy initiatives for clients
- Maintaining transparent communication and grievance channels
- Ensuring all products are designed with client well-being in mind
Inclusion [Social Ratings] conducted an in-depth review of FMFB-A’s policies, practices, and client-facing processes. This included documentation review, interviews, and checks against the CERISE+SPTF client protection indicators.
- Donors & partners gain assurance that FMFB-A meets international standards for responsible finance.
- Regulators & policymakers see alignment with global frameworks that support financial inclusion and client well-being.
- Investors can trust that FMFB-A manages social performance responsibly.
For clients, the certification means:
- Clearer information when choosing products
- Fair pricing and protection from predatory practices
- Respectful treatment and ethical service standards
- Confidence that their data and rights are safeguarded
The certification assesses FMFB-A’s performance in several critical areas:
- Transparency of product information
- Fair and responsible pricing
- Prevention of client over-indebtedness
- Respectful and ethical staff behavior
- Privacy and data security safeguards
- Accessible and effective complaint resolution mechanisms
The certification is valid for three years (2025–2028). FMFB-A will also undergo annual monitoring to ensure that client protection practices remain in place and continue to improve.
Gold is the highest level of certification. It indicates that FMFB-A meets the most stringent criteria for client protection, including transparency, fairness, responsible product design, and strong data/privacy safeguards.
The certification was awarded by Inclusion [Social Ratings], an international social rating agency specializing in responsible finance and social performance assessments.
The Client Protection Certification is an independent evaluation that measures how well a financial institution protects the rights and interests of its clients. It is aligned with the CERISE+SPTF Universal Standards of Social Performance Management, a global benchmark for responsible finance.
FMFB-A Islamic Banking
A banking system that follows Islamic Shariah prohibits interest (Riba) and bases earnings on trade, leasing, or profit-loss sharing.
Any guaranteed excess over principal without due consideration, which is strictly forbidden in Islam.
Conventional banks charge/earn interest; Islamic banks share profit & loss and must be asset-backed.
Via Sharia-compliant contracts: Murabaha (mark-up sale), Ijarah (leasing), Mudarabah & Musharakah (profit-loss partnerships).
The First MicroFinanceBank offers a range of Sharia-compliant financial products, including:
- Murabaha: Cost-plus sale for purchasing goods, vehicles, or equipment.
- Mudarabah: Profit-sharing investment accounts where depositors share in the bank’s profits.
Bank buys an asset and resells it to the client at a pre-agreed higher price, payable on installments.
Investment partnership: depositors provide capital, bank provides expertise; profits shared, losses borne by capital owners, except in cases of negligence or misuse by the bank.
Yes. Businesses can access Sharia-compliant financing.
Yes. Islamic banks are subject to the deposit protection schemes and regulatory oversight.
Yes. Women have the right to open bank accounts, save, and apply for Sharia-compliant financing.
Yes, while digital banking is still developing, many banks, including FMFB-A, offer digital banking services (Mobile banking, SMS Banking, online Banking, ATM services, etc.).
For more information regarding Islamic products and services, please visit our nearest branch or reach out to us through the following channels:
Short Code: 599
Phone Number: +93 790 010 105
WhatsApp Number: +93 790 010 104