Aaya will be available on Viber, Whatsapp, Facebook Messenger and our Website.
Aaya is your go-to AI buddy for day-to-day questions about all BML products and services. Aaya can chat with you in Dhivehi or English.
Aaya is ready to chat with you 24/7.
Aaya is trained to answer the frequently asked questions by customers. This includes information on Cards, Accounts, Internet Banking, Lui Loan, Islamic Personal Financing, International Banking, and Merchant Services. Aaya will continue to learn more.
The new limit for Classic and Gold Credit cards is USD 750. This includes American Express (Green/Gold), Visa (Classic/Gold) and Mastercard (Standard/ Gold). This limit is applicable from 17th October 2021, for every 30-day period.
Yes, the new limit of USD 750 will be applicable for business cards.
No. Debit cards linked to MVR accounts will continue to have a limit of USD 250 per month, per card. Customers living overseas will have an increased limit of USD 750 per month, per card
Dashboard > Settings > Auto Lock
Options available to choose from:
If you have enabled automatic updates on phone settings, application will be updated automatically. If automatic updates is not enabled, you will be required to update app from App Store or Google Play manually.
BML Mobile Banking App is compatible for the following devices:
You can reset Password through BML Internet Banking/Mobile Banking App by clicking Forgot Password Option.
Click Forgot Password > Enter Email Address and ID card Number (National ID card number for Maldivians and Passport Number for expatriates) > Enter OTP
Once OTP is entered, new Password will be sent to your registered Email address and Login ID will be sent to your registered Mobile Number.
You can change initial login credentials via new Mobile Banking Application.
The Bank’s branches and service centres will be open from 8.30am to 2pm for services not available via online or self-service banking.
Customers can request for tokens for the Bank’s services in Male’ City through the QueueBee app and check waiting position online before visiting. Online tokens will be available from 8am to 12pm on banking days via the app.
To register instantly for internet banking, please sign up at https://www.bankofmaldives.com.mv/internetbanking/signup.You should have a valid debit card for verification purposes. If you have any difficulties signing up, please let us know. At your first log-in, you will have to change the password to your preferred password.
Once you’re registered to internet banking, you can download our BML Mobile Banking app and have access 24/7 to banking in the palm of your hand.
Internet banking lets you do your banking online, without having to visit a branch or wait in queue. You can check your account balance, transfer money between your accounts or send money to someone else, send money overseas, apply for cards and loans and much more.
Go to our Internet Banking page, enter your Login ID and Password and press log-in. At the initial login to BML Internet Banking, you will be prompted to change Access Codes provided by the Bank to Access Codes preferred by yourself.
Remember to log out when you finish your banking online.
Download the BML Mobile Banking app from your app store.
Once you log in using your internet banking Login ID and password, you will be asked to enter a 4-digit code to access the app. This is to allow you to unlock the app easily and quickly without having to log in at every use. Depending on your mobile phone, you will also be asked if you would like to use Face ID or Touch ID.
As part of our efforts to strengthen security, you should use a strong password that must have:
To reset your password, go to the Internet Banking log-in page, press “Forgot Password” and follow the instructions. Use your log-in and new password for Mobile Banking app too.
The date of the transaction processed on non-working day will be updated as the next working day.
Card transactions will be processed once merchant settlement is processed.
However, the transaction date can be viewed from the transaction details of Internet Banking or Mobile Banking. Also, International transfer will be received as a request and the transaction will be displayed.
Apply online if you’re registered to internet banking. Select the “Services” tab to open additional accounts.
If you’re a new customer based in Male’, make an appointment to open an account by calling 3330200 and visit our Account Opening Centre at the designated time. If you’re outside Male’, submit the completed Application Form to your nearest branch.
Account statements can be downloaded for free through your internet banking. If you require a copy of your statements with an official Bank signature or stamp, you can request for a statement at the Customer Service Centre in Male’ or at your nearest branch. You may need this for official purposes such as a visa application. A small fee of MVR 3O per month will be charged for this service.
When you open a new account, the Application Form will have sections on cards and internet banking. Fill these in before you submit the document if you want to apply.
Otherwise, you can submit an Application Form for card or internet banking separately. If you already have internet banking, a number of services are available online – log in to internet banking and select the “Services” tab.
It will usually take up to 5 working days to open a new account if all documents are in order and all supporting documents have been submitted. We will contact you if there’s anything else you need to submit to us.
You can set or change your card PIN instantly via Internet Banking. Your card must be an active card.
Yes. Internet Banking is a secure platform which requires your Login ID and Password. When you change your PIN, we have added an additional security feature which requires you to enter an OTP to verify that it is a genuine request. Never share your internet banking credentials or your OTP with anyone
Log-in to Internet Banking and follow these steps:
You can change your PIN for all personal Debit, Credit and Prepaid cards issued by BML. Your card must be active before you can set your PIN. Digital PIN for corporate cards is not available
You can easily set a new PIN via Internet Banking.
Yes. Once your card is collected and activated, you can set your card PIN via Internet Banking. Cards are activated when you collect your card.
You can change your card PIN via Internet Banking at anytime, anywhere without any limitation
Yes. Once PIN is successfully changed via Internet Banking, you can start using your new PIN immediately.
Our American Express Debit, Visa debit and Mastercard debit cards can be used anywhere in the world. You can use your card up to USD 750 per month at any overseas ATM, for foreign online and POS transactions. This is a temporary limit introduced on 16th September 2020. Click here for additional information on the new limits.
If your debit card is linked to your USD account, you can use up to USD 3,000 for purchases at merchants or withdraw up to USD 3,000 at ATMs.
We issue Visa debit as contactless cards to all our customers. The contactless feature allows you to pay for low-value goods in an instant, just by touching the card on the card reader. You will not need to insert your card to the card reader or to enter your PIN for any purchases below MVR 750.
As an added safety feature, you can only make 10 transactions through contactless daily after which you will be prompted to enter your PIN.
Yes. Credit card to expatriates is issued upon securing a cash lien equivalent to 110% of the credit card limit. Customer is required to submit a consent letter with their credit card application stating below information:
Using a credit card, you can make purchases up to a certain limit and pay for them later. We give up to 51 days for you to pay for your purchases without charging any interest.
You can set up automatic monthly payments to be deducted from your account at the end of every month. If you pay your credit card balance in full every month, you will not be charged interest.
Log into Internet Banking and under the “Services” tab, apply for a Credit Card. Do make sure any supporting documents are attached too. You can also submit an Application Form to any of our branches.
Note: Only customers eligible for a new credit card will be able to apply. For existing customers, we will not be able to issue additional/supplementary credit cards at this time.
The credit limit is what is available for you to spend on your credit card. This limit is spread across all your credit cards. For example, if you have MVR60,000 as a credit limit, this will be the limit available to for all your credit cards – not just one card.
Using a credit card responsibly, making sure payments to your card are made on time and if you have chosen automatic payment, having enough money in your account to make payments are all important ways to build your credit score.
Your credit score has an impact on whether you’re eligible for loans or financing.
For customers with credit cards, we will not be able to issue new credit cards or additional/supplementary credit cards at this time. If you do not have a debit or credit card and you are eligible for one, you can apply via Internet Banking.
If you’re registered to internet banking, please log-in and send a message to us or call our Contact Centre at 3330200. You can also contact us through the number mentioned on the back of your credit card.
Please note that the International contact number mentioned on the back of your contactless American Express Credit Card is incorrect. The correct number is +(960) 3333013. We apologise for any inconvenience due to this.
Download the app and follow the on-screen instructions. You’ll be asked to add one of your cards to your wallet. Once the details are processed, you will receive an SMS notifying you of a USD 1 transaction which will also have an Approval Code. Enter your Approval Code to successfully register to MobilePay.
If you aren’t subscribed for transaction alerts on SMS, you can contact our Contact Centre at 3330200.
| Transaction Amount | Fees Charged |
| USD 50 - USD 500 | USD 5 |
| USD 501 - 1000 | USD 8 |
| USd 1001 - USD 3000 | USD 12 |
List of countries where Online International Money Transfer is available
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Your digital wallet is safer than credit and debit cards as it exists on your phone and is not a physical card. When you use your digital wallet to pay, your card details are not shared with anyone and there’s less risk of fraud.
QR Code is a Quick Response code which directs customers to a secure Checkout Portal to complete payment, so you don't need to share your bank details. BML customers can complete QR Code transactions through BML MobilePay and other digital wallets such as Google Pay, Apple Pay, WeChat Pay, Union Pay and Ali Pay.
There are 2 types of QR; Static QR and Dynamic QR.
Static QR is a pre-printed QR that is provided to merchants to be displayed at merchant location. When customer scans the QR, they will be prompted to enter amount and complete transaction.
Dynamic QR is generated on POS Terminal Merchant Portal and mPOS. This QR is transaction based; ie; merchant generated QR after entering transaction amount on POS Terminal Merchant Portal and mPOS. When customer scans the QR, transaction amount is displayed on approval message displayed to customer on MobilePay or other digital wallets.
New Merchants registering for BML Merchant Services can register by submitting Merchant Application form available from our website.
Existing BML Merchants are required to submit Merchant Application form, authorization letter along with where applicable board resolution. No other additional documents are required. Once registered, access codes will be emailed to the email address provided to the Bank. You can download Merchant Application form, sample authorization letter and board resolution from below.
1. Press 1 Sale
2. Enter transaction amount
3. Press Enter to go to Insert Card screen
4. Press upper left button of POS Terminal “Scan to Pay”
5. QR Code will be displayed on terminal
1. Open mPOS application
2. Enter transaction amount or select customer products
3. Press Charge
4. Chose which digital wallet customer wishes to complete transaction with
5. QR Code will be displayed on screen
Scan the QR using your phone camera and you will be routed to BML MobilePay to complete payment with default card in BML MobilePay application or select preferred card to complete transaction and select “Scan QR” and scan the QR.
For Dynamic QR generated from POS Terminal, the terminal will print transaction receipt once transaction is completed.
When Dynamic QR is generated from mPOS, transaction can be viewed from Merchant Portal and mPOS “Transactions” tab as PENDING. Once the customer completes payment, transaction status gets updated to CONFIRMED. Additionally, you'll get an email alert. For Static QR transactions, merchant will receive an alert with successful transaction details on the number and email registered at the Bank. Additionally, Static QR transactions are updated in Merchant Portal & mPOS
Once a successful transaction is processed it cannot be cancelled. It is merchant’s responsibility to be vigilant in taking payments. However, if a cancelation has to be made please contact the Bank via email [email protected] or on 3330200 or send an SMS to (+960) 7990200 / (+960)
9990200.
All registered businesses can apply for BML Merchant Portal and BML mPOS, including, sole traders, SME’s, companies and online businesses.
Dynamic QR can be processed via BML MobilePay as well as other international digital wallets like Ali Pay, WeChat Pay, Union Pay, Apple Pay and Google Pay.
Static QR can be processed via BML MobilePay and Ali Pay.
To process a refund, please submit a request to the Bank with details of transaction that has to be refunded.
Please contact us via email [email protected]or on 3330200 or send an SMS to (+960) 7990200 / (+960) 9990200.
Yes, POS Terminal can generate QR code on screen
Payment Request is a request for payments generated using our Merchant Portal or mPOS, that can be sent as a link to the customer via SMS, email and other online messaging and social media applications. By accessing the link, the customer has the option to complete the transaction using MobilePay, Card, or another International Digital wallet. Transactions completed via Payment Request are considered as Card transactions.
You are not required to register a domain or develop your website to integrate this service. Once our Merchant Portal registration process is complete we will be providing you access to Merchant Portal and mPOS through which you can send Payment Requests as an SMS, Email, or other social media and online messaging apps as a link.
Payment Request function is available from our Merchant Portal and mPOS app.
If you are sending via Merchant Portal, follow these steps
1. Login to Merchant Portal.
2. Select "Payment Request" from the left-hand menu, enter the request amount and click Next
3. Send the request via SMS, Email and other social media or online messaging apps as a link
If you are sending via mPOS, follow these steps
1. Login to mPOS
2. Select "Payment Request" from the left-hand menu, enter the request amount and click Next
3. Send the request via SMS, Email and other social media or online messaging apps as a link
Payment Request is initiated after accessing Merchant Portal or mPOS through access codes provided by the Bank. Payment for a payment request can be initiated by a customer through their digital wallet or card.
All card payments are 3D Secure, which requires customers to authenticate their cards using One Time Password (OTP) or any other form of authentication method approved by their card issuing Bank.
To complete a transaction from digital wallet, customer is required to access their registered digital wallet.
Transaction can be viewed from Merchant Portal and mPOS “Transactions” tab as PENDING. Once the customer completes payment, transaction status gets updated in real-time to CONFIRMED. Additionally, you'll get an email alert.
This is the date at which the Payment Request link will expire. After this date the customer cannot make payment through the link. Transaction will be updated as CANCELLED in “Transactions” tab for expired requests.
American Express, Visa, Mastercard, Wechat, Union Pay, as well as digital wallets MobilePay, Ali Pay, Apple Pay and Google Pay is accepted through BML Merchant Portal.
Once a successful transaction is processed it cannot be canceled. It is merchant’s responsibility to be vigilant in taking payments. However, if a cancelation has to be made please contact the us via email [email protected] or on 3330200 or send an SMS to (+960) 7990200 / (+960) 9990200.
Internet Banking
BML Rewards
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Merchant Portal