Have you ever forgotten your wallet at homeand realised that you neither had cash nor your ATM card with you? Are theretimes when you’ve wanted to send money to someone without a bank account?IndusInd Bank’s Cash-on-Mobile facility takes care of all such problems byallowing for card-less withdrawals and transfers.

What is Cash-on-Mobile?

IndusInd Bank takes banking to the next level with its mobile banking application – IndusMobile. The mobile banking application’s Cash-on-Mobile feature is a card-less cash facility that allows for withdrawals at select IndusInd Bank ATMs, without the need for a debit card. This innovative feature allows you to withdraw and send money by just using the receiver’s mobile number. When Can I Use Cash-on-Mobile?

Given below are some scenarios in which IndusMobile Cash-on-Mobile works best:

• The receiver prefers cash
• The receiver needs cash instantly
• The receiver does not have a bank account
• The receiver’s bank details are not known
• The receiver is not within close proximity

Transferring money from your bank account to someone else’s is certainly convenient but there are still many who prefer receiving cash for their services. Or, there may be a case in which the receiver doesn’t have a bank account at all. In such a situation, you can use IndusMobile’s Cash-on-Mobile feature to send the receiver cash on their mobile.

How Can I Use Cash-on-Mobile?

Download the IndusMobile app and use your MPIN (mobile personal identification number) to request the card-less withdrawal facility. Following this, the bank will send you a temporary PIN. Once at the ATM, choose the cash-on-mobile option on the screen, enter your mobile number with the amount and the temporary PIN. Once all credentials match, the ATM will dispense cash. You may also use Cash-on-Mobile to send money to a third party.

Take another example: You’d like to sendmoney to your sibling in another city. Go to the mobile banking application andenter the receiver’s mobile number and desired amount. The bank will then sendthem a temporary PIN which they can use to withdraw cash at select IndusIndBank ATMs. The best part about this service is that the receiver need not evenbe an IndusInd Bank customer. In fact, they need not have a bank account atall!

How Do I Get Started?

To get started with Cash-on-Mobile, download IndusInd Bank’s mobile banking application – IndusMobile. The service is entirely free of cost. Apart from the ATM facilities, you also get balance enquiry, mini-statement, and can request for a cheque book. What is more, IndusMobile allows you to make intra-bank fund transfers, mobile-to-mobile fund transfer, mobile-to-account fund transfer, NEFT, and IMPS transactions.

With IndusMobile’s innovative Cash-on-Mobile feature, sending and receiving cash is easier than ever before.  Get IndusMobile today and start enjoying the features of this powerful app.

Disclaimer: The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information.

Travelling abroad can be a spectacular experience if you set aside some precious time towards planning. Even the little choices like the mode of payment you opt for can affect your travel experience. It must be quick and straightforward so that you can spend productive time in more pleasurable pursuits like sightseeing, shopping and discovering all that’s new out there!

Cashless payments are popular since you can carry only a limited amount of cash, and most transactions today are cashless.

Forex – Purchase Options

You have the option of using either a credit card or a forex card. Forex is a more popular choice as it bundles in several benefits like saving you from volatile exchange rate fluctuations. Once you buy a forex card for a certain amount, the current exchange rate is locked for the travel duration. Besides, it is pre-paid, so you’ve already steered clear of the worry that you would need to make that payment eventually.

A credit card transaction is an expensive option. And traveller’s cheques do not enjoy wide acceptance, which limits your purchasing ability to a few places.

However, you can keep credit and debit cards or traveller’s cheques as backup options.

Your next task would be to choose the ideal forex card.

For seamless money-management and the wide range of benefits it provides, the IndusInd Multi-Currency Travel Card has gained immense recognition and popularity among frequent travellers. Here are some of its attractive features.

Lowest Exchange Rate – One of the most exciting features and a direct benefit to its clients, IndusForex provides the most economical and best exchange rates on offer.

Wide Acceptance – Designed for international travel across multiple destinations, you can load up to 14 different currencies in a single card.

Secure Transactions – All cash withdrawals at ATMs, transactions, and online purchases are secure. Besides, you can avail wide acceptance across a multitude of merchandise stores worldwide.

Insta Reload – The USP lies in the facility of reloading your forex card from any part of the globe, should you run out of currency! The reloading facility is available online, 24×7. A smooth and convenient interface takes you through the process in easy steps. All you need to do is select your card type, choose the expected currency, and make a payment. To add multiple currencies, simply use the ‘Add Another Currency’ feature. A few simple steps that request your bank details, choice of delivery mode, and a confirmation complete the process, making it an efficient, hassle-free experience.

The Perfect Forex Card For The Modern Traveller

In a nutshell, here are the features that make IndusInd Multi-Currency Travel Card an absolute knockout punch!

1. You can benefit from the Insta Reload option.
2. You can use this card in over 1.6 million ATMs and merchant establishments across the world.
3. You can load up to 14 major currencies, including UAE Dirham, US Dollar, Canadian Dollar, Euro, Saudi Riyal, Great Britain Pound, Australian Dollar, and Singapore Dollar.
4. Zero conversion charges.
5. No hidden fee, low ATM withdrawal charges.
6. Minimal paperwork, the card can be delivered to your preferred location via courier within 24 to 48 hours.
7. You do not need to have an IndusInd account to own this forex card.
8. You get a paired kit option with an extra backup card, in case you lose your primary card.
9. Minimum one-time issuance fee, approximately INR 100-150.
10. Minimum reload fee, approximately INR 100.
11. Minimum Reactive fee.
12. Minimum Cross Currency fee of 3.5%.
13. Instant notifications and alerts to avoid fraudulent transactions.

If you plan to travel abroad sometime soon, the IndusInd Multi-Currency Travel Card is definitely your best and safest bet!

Disclaimer: The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information.

Holiday season evidently sparks your wanderlust, and the preparations to set out for your preferred destinations must start much before the holidays actually begin. So, where should you start? If you love nature and are open to adventures that are a little far from home, here are a few enthralling destinations across Europe that are endowed with a natural beauty that will take you into a different world.

1. The Cliffs of Moher – Ireland

The beautiful emerald cliffs, against the Atlantic’s sapphire waters, is one of the most popular tourist sites in Ireland. The UNESCO Geopark is also home to more than 20 species of birds, including the vibrant Atlantic puffin, and a number of sea creatures. The cliffs may look familiar to you, as they’ve featured in multiple blockbuster films, like Harry Potter and the Half Blood Prince.

2. Cairngorms National Park in Scotland – United Kingdom

The Cairngorms National Park, the UK’s largest national park, is Scotland’s ski hub. Four out of five of Scotland’s highest peaks can be found here, and the Park is home to 25% of UK’s threatened animals, birds, and plants. While you can enjoy towering mountains, sparkling rivers, lush forests, and friendly villages at the Cairngorms, you can also visit local distilleries to buy world-famous whiskeys and enjoy a royal experience at a few Victorian castles.

3. The Azores – Portugal

For most people, vacationing meansgetting away from city-life hustle to experience the tranquillity of nature.This is what makes the remote Portuguese archipelago – Azores – theperfect destination. Here you will find a quaint town that is abundantwith natural beauty and varied cultural influences.  Immerse yourself in aone of a kind experience that combines volcanic mountains, hot springs,pristine beaches, fishing villages, waterfalls, and thick coastal woods. Take adip in carbonic waters or go horse riding, take a hike or sail in the Atlanticocean. There is so much to do on these nine islands.

4. The Verdon Gorge – France

The Verdon Gorge offers a completepackage in terms of a natural destination. It offers scintillating sceneries,700-metre high cliffs forming an impressive canyon, first-class hikingopportunities, paragliding, and kayaking. You can also plan a memorable driveacross the gorge tourist route, which is the second most popular activity here,after boating. It is highly recommended that you stay at one of the charmingFrench hotels with a breathtaking view of the colossal mountains.

5. Lausanne – Switzerland

Lausanne is a lightly populatedcity with a mix of modern and rural charm. It is well connected, and yetpleasantly distant from the hustle-bustle of more busy Swiss cities. It restson the shore of Lake Geneva, the largest lake in Western Europe, and issurrounded by rolling mountains. Enjoy the quiet bathing resorts, varioussports and cultural events, as well as its eclectic markets.

Enjoying a smooth, stress-free holiday

When it comes to holiday destinations in Europe, you will be spoilt for choice. Visiting multiple countries during your trip could mean having to use currencies other than the Euro. If you plan to cover more than one country, carrying a forex card would be the best way to manage your money. For instance, a forex card like IndusForex allows you to load about 14 different currencies on a single card. And unlike cash and cheques, if the card is lost or damaged, you can use a duplicate card that is provided with the original. It also gives you the benefit of protection against currency fluctuations as the exchange rate of currencies stay fixed once you load your card.

Even if you are visiting different places within one European country, you might find it difficult to access cash in some areas, let alone exchanging currencies at good rates. The flexibility that a forex card can offer you in such situations is truly convenient. For instance, you can use an IndusForex card to make any kind of vendor or online payments at no extra charges. And the best part is, if your card is low on funds, you can reload it with up to Rs. 49,000 in less than an hour. So, the next time you travel abroad, try out a forex card for a stress-free and more enjoyable trip as it makes money management a breeze.

Disclaimer: The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Hence, you are advised to consult your financial advisor before making any financial decision. IndusInd Bank Limited (IBL) does not influence the views of the author in any way. IBL and the author shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information.