Nepal Investment Mega Bank Internet Banking Guide 2026

When Nepal Investment Bank Limited (NIBL) and Mega Bank Nepal completed their merger and launched joint operations on January 11, 2023, the resulting entity — Nepal Investment Mega Bank Limited (NIMB) — became one of the largest commercial banks in the country by asset size. Two-plus years on, the new brand has consolidated its digital infrastructure into a single internet banking platform and a unified mobile app. If you are a legacy NIBL or Mega Bank account holder — or a new customer trying to get started — this guide explains exactly how NIMB's internet banking works in 2026.

What Is Nepal Investment Mega Bank (NIMB)?

NIMB was born from a merger that Nepal Rastra Bank (NRB) actively encouraged under its bank consolidation policy. Nepal Investment Bank Limited, founded in 1986 and known for its strong corporate and trade-finance franchise, signed a memorandum of understanding with Mega Bank Nepal Limited on June 10, 2022. NRB gave final approval, and the two banks began integrated transactions under the single brand NIMB from Poush 27, 2079 B.S. (January 11, 2023).

The combined bank's headline numbers as of the merger date:

Metric	Figure
Paid-up capital	Rs 34.12 billion
Total assets	Rs 471 billion
Total deposits	Rs 360 billion
Total loans	Rs 329 billion
Branches	296
ATM booths	279
Extension counters	59
Customers (approx.)	3 million+
SWIFT code	NIBLNPKTXXX

The bank's head office remains at Durbar Marg, Kathmandu. For international wire transfers, the SWIFT/BIC code NIBLNPKT (with branch-level suffix XXX for head office) is the identifier to use.

NIMB Internet Banking: Two Channels, One Platform

NIMB runs two distinct but connected digital banking channels:

1. NIMB Smart — the mobile banking app (Android and iOS), which also functions as internet banking through its web component at mbank.nimb.com.np.
2. NIMB Internet Banking (Corporate/Retail) — the browser-based portal at ibank.nimb.com.np, designed primarily for retail and corporate customers who prefer a desktop experience or need additional controls such as bulk payments.

Both channels draw from the same core banking system. Your account balance, transaction history, and beneficiary lists are synchronized across them. For most individual customers, NIMB Smart is the daily-use tool; the ibank.nimb.com.np portal is useful for higher-value transactions or when corporate treasury controls are needed.

How to Register for NIMB Internet Banking

Registration requires an active NIMB savings or current account. You cannot sign up without first visiting a branch and subscribing to the bank's mobile or internet banking service. Here is the process:

Step 1: Visit a Branch and Apply

Go to any of NIMB's 296 branches nationwide with your citizenship certificate (or passport for foreign nationals) and your account details. Request the Mobile Banking / Internet Banking Application Form. Fill it in, specify your registered mobile number, and submit it to the bank representative. The mobile number you register here will become your username on the platform.

Step 2: Receive Activation Credentials

The bank sends a temporary password and a one-time PIN (OTP) to your registered mobile number after the application is processed — typically within one to two working days. Keep both ready.

Step 3: First Login and Password Reset

Navigate to ibank.nimb.com.np (for the web portal) or download the NIMB Smart app. Log in with your registered mobile number as the username and the temporary password. On first login, you will be prompted to:

• Set a new Login Password — used for authentication each time you sign in.
• Set a Transaction PIN — a separate secret code required to authorize fund transfers and bill payments.
• Set an MPIN — a 4-digit numeric code for SMS-based requests when internet is unavailable.

Step 4: Enroll Biometrics (Mobile App Only)

On the NIMB Smart mobile app, you can optionally enable Face ID or fingerprint authentication for faster login and transaction authorization. This is supported on both Android and iOS devices with compatible biometric hardware.

Logging In: Web Portal vs Mobile App

Web Portal (ibank.nimb.com.np)

Open your browser and go to https://ibank.nimb.com.np. Enter your username (registered mobile number) and login password. The portal uses 128-bit SSL encryption. After successful authentication, you land on the dashboard showing your account summary, recent transactions, and quick-access menus for transfers and bill payments. Corporate customers can also access this URL and use the corporate module for multi-user approval workflows.

Mobile App (NIMB Smart)

Download NIMB Smart from the Google Play Store or Apple App Store. The app is published under the developer account of F1Soft International, Nepal's leading fintech company that powers several bank apps. After installing, enter your username and login password, or use biometric login if you have enabled it. Customers outside Nepal can also use the web version at mbank.nimb.com.np when the app is unavailable in their app store region.

Key Features of NIMB Internet Banking

Fund Transfers

The platform supports three types of transfers:

• Within NIMB accounts — Instant, zero charge. Transfer between your own accounts or to any other NIMB account holder.
• Interbank via ConnectIPS — Transfer to accounts at any commercial bank in Nepal through Nepal Clearing House Limited's (NCHL) ConnectIPS system. Transaction fees: Rs 2 to Rs 8 per transfer, depending on amount (NRB-revised scale, effective November 2021). Transfers are processed in real time during banking hours.
• International Remittance — SWIFT-based outward remittances for customers needing to send funds abroad, subject to NRB foreign exchange regulations.

Bill Payments

NIMB internet banking covers a broad range of utility and service payments that would otherwise require a branch visit or cash counter:

• Electricity (Nepal Electricity Authority — NEA)
• Drinking water (Kathmandu Upatyaka Khanepani Limited and other local providers)
• Landline and postpaid mobile (Nepal Telecom, Ncell)
• Internet and cable TV subscriptions
• Insurance premium payments
• Credit card bill settlements (NIMB and other banks)
• School and college fee payments
• Domestic airline tickets
• Movie and event tickets

Digital Wallet Loading

NIMB Smart lets you top up the major Nepali digital wallets directly from your bank account: eSewa, Khalti, and IME Pay. This is particularly useful for customers who use wallets for day-to-day micro-transactions but prefer to hold their main balance at the bank.

QR and Fonepay Payments

The app supports QR code scan-and-pay through the Fonepay network — the dominant interoperable QR payment rail in Nepal. Any merchant displaying a Fonepay-compatible QR code (which now includes virtually all supermarkets, restaurants, and petrol stations in major cities) can accept payment directly from your NIMB account.

Mobile Top-Up

Recharge Nepal Telecom and Ncell prepaid numbers instantly from the app, 24 hours a day.

Instant EMI (2025 Feature)

In 2025, NIMB introduced what it claims is Nepal's first Instant EMI facility for credit card holders. This allows cardholders to convert purchases into Equated Monthly Installments at the point of transaction — without submitting a separate application or waiting for processing. The facility is accessible through the internet banking portal and the NIMB Smart app.

Account and Card Management

Through the portal, customers can:

• View real-time account balances and mini-statements
• Download transaction histories (useful for visa applications and income verification)
• Manage beneficiaries and set transfer limits
• Temporarily block or request a replacement for debit/credit cards

Online Account Opening

NIMB also offers a video KYC-based savings account opening at nibl.com.np/acopen/videoaccount — a remnant of the NIBL digital initiative that has carried over into the merged entity's infrastructure. This allows prospective customers to open a savings account without visiting a branch, using a live video call for identity verification, in line with NRB's digital KYC guidelines. The feature is subject to NRB operational rules and is available to Nepali citizens with valid citizenship certificates.

Security Practices

NIMB internet banking uses 128-bit SSL encryption for all sessions. Customers are advised to observe standard precautions:

• Never share your login password, transaction PIN, or OTP with anyone — including people claiming to be bank staff.
• Always access the portal through the official URL (ibank.nimb.com.np), not through links in SMS or email.
• Enable biometric login on mobile for an extra layer of security.
• Log out completely after each session, especially on shared computers.
• Report suspicious activity immediately to 9851207715 or digital@nimb.com.np.

Customer Support

For internet banking issues — locked accounts, forgotten passwords, failed transactions — NIMB's digital banking support is available at:

• Phone: 9851207715
• Email: digital@nimb.com.np
• In-person: Any of the 296 branches across Nepal

Frequently Asked Questions

What is the URL for NIMB internet banking?

The retail and corporate internet banking portal is at https://ibank.nimb.com.np. The mobile banking web interface (primarily used by customers abroad) is at https://mbank.nimb.com.np. Both require prior registration with your branch.

Is NIMB the same as the old Nepal Investment Bank (NIBL)?

Yes, partially. Nepal Investment Mega Bank (NIMB) was formed when Nepal Investment Bank Limited (NIBL) merged with Mega Bank Nepal Limited, commencing joint operations on January 11, 2023. The old NIBL brand and its legacy website (nibl.com.np) still redirect to NIMB infrastructure, but the authoritative brand is now NIMB. If you held an account with NIBL or Mega Bank Nepal before 2023, your account is now with NIMB.

What is the SWIFT code for NIMB?

The SWIFT/BIC code for Nepal Investment Mega Bank Limited is NIBLNPKTXXX (or NIBLNPKT for the 8-character form). This is used for international wire transfers to NIMB accounts. The code carries over from the pre-merger NIBL identifier.

How much does an interbank transfer cost through NIMB internet banking?

Transfers within NIMB accounts are free. For interbank transfers via ConnectIPS, the charge is Rs 2 to Rs 8 per transaction, depending on the amount — a fee scale set by Nepal Rastra Bank and applicable across all member banks. Transactions are processed in real time during NCHL operational hours.

Can I use NIMB internet banking from outside Nepal?

Yes. Customers abroad can access the web interface at https://mbank.nimb.com.np using their registered credentials. The NIMB Smart mobile app is available on the Apple App Store internationally (App ID: 901814671). Internet banking services including fund transfers and bill payments are available to NRN (Non-Resident Nepali) account holders subject to NRB foreign exchange guidelines.

Related reading: digital wallet adoption in Nepal