Login URL, first-time registration, password reset, transfer limits, MoBank vs iTouch, common errors, and customer care — everything about NIC Asia internet banking in 2026.
NIC Asia Bank is one of the largest private-sector commercial banks in Nepal, with a branch and ATM network that reaches from Kathmandu to district headquarters across the country. For most account holders, the bank's digital channels — iTouch internet banking and the MoBank mobile app — have become the primary way to move money, pay utility bills, and track balances without setting foot in a branch. But getting started, resetting a locked account, or understanding what each platform actually lets you do takes more than a quick Google search. This guide covers everything, verified against the bank's own documentation as of mid-2026.
What Is NIC Asia Internet Banking (iTouch)?
NIC Asia's internet banking service is officially called iTouch. It is a browser-based platform accessible from any computer or smartphone browser — no app download required. The bank launched the service for both individual and corporate customers, and it remains the higher-limit channel for anyone who needs to move large sums digitally.
iTouch is separate from the MoBank mobile app. You register for each service independently, and they carry different transaction ceilings. If you only activated one, you do not automatically have access to the other.
Login URL and How to Access iTouch
The official NIC Asia internet banking login URL is:
https://itouch.nicasiabank.com
Before entering any credentials, confirm that your browser's address bar shows exactly that URL — beginning with https:// and the domain nicasiabank.com. Phishing pages that mimic this interface do exist; never log in from a link sent by SMS or email, even if it appears to come from the bank.
Corporate customers have a dedicated portal at https://itouch.nicasiabank.com/corporate/.
How to Register for NIC Asia Internet Banking (First-Time Users)
There are two paths to activate iTouch, depending on how you prefer to deal with paperwork.
Option 1: Register at a Branch
- Visit any NIC Asia branch — ideally the branch where you opened your account.
- Request the Internet Banking / iTouch activation form and fill it out.
- Submit the form with a valid government-issued ID.
- The bank will process the request and dispatch your initial username and a temporary password via SMS to your registered mobile number.
- Log in at https://itouch.nicasiabank.com using those credentials, then change your password immediately on first login.
Option 2: Self-Register Online
- Go to https://www.nicasiabank.com/customer-registration/signup/.
- Enter your account number and the mobile number registered with the bank. An OTP will be sent to that number.
- Verify the OTP, set a username and password, and follow the on-screen prompts.
- Once completed, you can log in to iTouch immediately.
Your password must be at least 8 characters long and include a mix of uppercase letters, lowercase letters, numbers, and at least one special character (such as @, #, &, or !). The bank's system will reject weak passwords outright.
MoBank vs iTouch: Which One Should You Use?
This is the question most NIC Asia customers eventually ask. The short answer: they serve different purposes, and many people end up using both.
| Feature | iTouch (Internet Banking) | MoBank (Mobile App) |
|---|---|---|
| Access method | Browser (PC or mobile) | Android / iOS app |
| Registration | Separate sign-up required | Separate sign-up required |
| Per-transaction limit | NPR 10,00,000 | NPR 3,00,000 |
| Daily transfer limit | NPR 10,00,000 | NPR 3,00,000 |
| Monthly transfer limit | NPR 3,00,00,000 | NPR 60,00,000 |
| QR payments | Limited | Yes (Scan & Pay) |
| IPO application (ASBA) | Yes | Yes |
| Cardless withdrawal | No | Yes |
| Remittance send | No | Yes |
| Two-factor authentication | Yes (OTP) | Yes (OTP + MPIN) |
| Ideal for | Large transfers, detailed statements, corporate use | Day-to-day payments, QR, recharge |
Note: The limits shown above apply to third-party fund transfers. Transfers between your own NIC Asia accounts (within the same customer ID) and government-related payments are generally exempt from these ceilings.
Transaction Limits and NRB Guidelines
Nepal Rastra Bank has not set a blanket national cap specifically on internet banking fund transfers as of mid-2026, but it does govern IPS (Interbank Payment System) transactions. NIC Asia's own policy caps iTouch transfers at NPR 10 lakh per transaction and per day for third-party transfers, rising to a monthly ceiling of NPR 3 crore. Customers who routinely exceed these figures — importers, businesses, institutional investors — should consult their relationship manager about upgrading to a corporate internet banking profile, which may carry different arrangements.
IPS transfer fees on the platform follow the NRB-guided charge structure: NPR 2 for transactions up to NPR 500, NPR 4 for NPR 501–5,000, and NPR 8 for transactions between NPR 5,001 and NPR 3,00,000. The bank's Standard Tariff of Charges (updated February 2026) is publicly available at https://www.nicasiabank.com/standard-tariff-of-charges/ and is worth reading before making high-value moves.
How to Reset Your iTouch Password
A forgotten password is by far the most common support issue. The self-service reset flow works as follows:
- Go to https://itouch.nicasiabank.com/forgetPassword.xhtml or click "Forgot Password" on the login page.
- Enter your iTouch username.
- The system will send a password reset link to your registered email address.
- Simultaneously, an OTP valid for 10 minutes will arrive on your registered mobile number.
- Open the email link, enter the OTP when prompted, then set a new password.
- Log in with your new credentials.
If you have also forgotten your username, the self-service flow cannot help — you will need to visit a branch in person with your account details and ID proof. The bank can then reset both.
For MoBank password resets, the process is slightly different: open the app, tap "Forgot Password," and follow the OTP-based flow via your registered number. The bank's helpdesk has a dedicated Nepali-language guide for MoBank password resets at its support portal.
Common Errors and How to Fix Them
Account Locked After Multiple Failed Login Attempts
iTouch locks your account after a set number of incorrect password entries as a security measure. You can unlock it yourself using the Forgot Password link — this effectively resets the lockout as well as the password. If the reset flow also fails (for example, if your registered email is outdated), you must visit a branch.
OTP Not Received
First, check that your phone has network signal and that the number on your account is the one you are currently using. If you changed your SIM or number and did not update your bank record, OTPs will go to the old number. Update your contact details at the branch before attempting digital transactions. On MoBank specifically, also check that the app has SMS or notification permissions enabled in your phone's settings.
"Session Expired" or Automatic Logout
iTouch enforces an idle session timeout for security. If you leave a tab open without activity, you will be logged out automatically. This is by design, not a bug. Simply log in again.
Transaction Failed but Money Debited
This is the most stressful scenario. In most cases involving IPS or IBFT transfers, the money is held in a clearing state and returns to your account within 24–48 hours if the recipient bank could not credit it. If it does not revert within two business days, contact NIC Asia customer care with your transaction reference number.
iTouch Not Loading or Browser Error
The portal works best on up-to-date versions of Chrome, Firefox, or Edge. Older browsers, particularly Internet Explorer, are not supported. Clear your browser cache, disable VPN if you are using one, and try again. The portal does not function well on certain proxy networks.
How to Download the NIC Asia MoBank App
The MoBank app is available on both major platforms:
- Android: Search "NIC ASIA MOBANK" on Google Play Store, or use the direct link at https://www.nicasiabank.com/mobile-banking/
- iOS: Search "NIC ASIA MOBANK" on the Apple App Store
After installing, activation requires your account number, registered mobile number, and debit card details for identity verification. The app generates an MPIN that you will use for subsequent logins — keep this separate from your ATM PIN.
NIC Asia Bank Customer Care
For issues that cannot be resolved online, the bank operates the following support channels:
- Phone (general): +977-1-5970101
- Toll-free (NTC): 16600177771
- Toll-free (Ncell): 181021-77771
- Email: feedback@nicasiabank.com
- Online helpdesk: https://helpdesk.nicasiabank.com
- Branch locator: https://www.nicasiabank.com/branches/
- SWIFT code: NICENPKA (all branches; used for international wire transfers)
The helpdesk portal carries a searchable knowledge base covering most common iTouch and MoBank questions — it is worth checking there before calling, as wait times during business hours can be significant.
NIC Asia iTouch vs MoBank vs Omni Channel — Transaction Limits Compared (2026)
NIC Asia offers three digital banking channels. The right one depends on your transaction size and device preference. Here is a direct comparison of all three platforms to help you choose the most suitable option.
| Feature | iTouch (Web) | MoBank (Mobile App) | Omni Channel (Web version of MoBank) |
|---|---|---|---|
| Platform | Desktop browser | Smartphone app | Desktop browser (newer portal) |
| Login URL / Download | itouch.nicasiabank.com | Play Store / App Store | nicasia.com.np (Omni portal) |
| Per transaction limit | NPR 10,00,000 | NPR 3,00,000 | NPR 10,00,000 |
| Daily limit | NPR 10,00,000 | NPR 3,00,000 | NPR 10,00,000 |
| Monthly limit | NPR 3,00,00,000 (3 crore) | NPR 60,00,000 | NPR 20,00,000 |
| Connect IPS supported | Yes | Yes | Yes |
| Bill payments | Yes | Yes | Yes |
| Recommended for | Large business transfers, NRB-limit transactions | Daily personal banking, mobile convenience | Medium-volume users preferring desktop |
NIC Asia Account Locked? Use iServe to Unlock Without Visiting the Branch
If your NIC Asia iTouch or MoBank account is locked due to repeated wrong password attempts, you do not need to visit a branch to regain access. NIC Asia provides a self-service portal called iServe that lets you unlock your account, reset your password, and request other services entirely online.
What You Can Do on iServe
- Account unblock
- PIN reset
- Password reset
- Cheque book request
Steps to Unblock Your NIC Asia iTouch Account via iServe
- Go to iserve.nicasiabank.com
- Select iTouch Password Reset or Account Unlock
- Enter your account number and registered mobile number
- Verify via OTP sent to your registered mobile
- Set a new password (minimum 8 characters, with a mix of uppercase and lowercase letters, a number, and a special character)
- Log in to itouch.nicasiabank.com with the new password
If you are unable to complete the process online — for example, if your registered mobile number has changed — contact the NIC Asia 24-hour call centre at 01-4168900. You can also reach customer support through the in-app chat feature available in the NIC Asia MoBank application.
Frequently Asked Questions
Is iTouch and MoBank the same thing?
No. iTouch is the browser-based internet banking platform accessed at https://itouch.nicasiabank.com. MoBank is a separate smartphone application available on Android and iOS. Both are offered by NIC Asia Bank, but they require independent registration and carry different transaction limits. A user can be enrolled in both simultaneously.
What is the maximum amount I can transfer per day via NIC Asia internet banking?
Through iTouch (internet banking), the per-transaction and daily limit for third-party fund transfers is NPR 10,00,000 (NPR 10 lakh). The monthly ceiling is NPR 3,00,00,000 (NPR 3 crore). MoBank limits are lower: NPR 3,00,000 per transaction and per day, with a monthly cap of NPR 60,00,000. Transfers between your own accounts at NIC Asia are not counted against these limits.
Can I register for NIC Asia internet banking without visiting a branch?
Yes. NIC Asia allows self-registration at https://www.nicasiabank.com/customer-registration/signup/ using your account number and the mobile number already registered with the bank. If your contact details in the bank's records are outdated, however, you will not receive the OTP required to complete registration, and a branch visit becomes unavoidable.
What should I do if my iTouch transaction failed but the amount was debited?
Do not panic and do not retry the transaction immediately. IPS and IBFT failures typically result in an automatic reversal within one to two business days. Note down the transaction reference number visible in your transaction history, then wait for 48 hours. If the amount has not returned by then, contact NIC Asia customer care at 16600177771 (NTC toll-free) with the reference number and your account details.
How do I apply for an IPO through NIC Asia internet banking?
NIC Asia supports ASBA (Application Supported by Blocked Amount) for primary market IPO applications through both iTouch and MoBank. Log in to either platform, look for the "IPO / Share" or "ASBA" section in the menu, select the IPO you want to apply for, enter the number of units and the relevant BOID (demat account number from CDSC), and confirm. The application amount is blocked in your account — not debited — until allotment is finalized. If you do not receive an allotment, the blocked funds are released automatically.
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