How to Lock and Unlock Central Bank of India Mobile & Internet Banking Transactions

With the rise of digital banking, securing your hard-earned money has become more important than ever. If you are a Central Bank of India (CBI) customer, you might not want your mobile and internet banking channels active all the time—especially if you rarely use them or want to prevent unauthorized access.

Central Bank of India offers a built-in safety feature in its Cent eeZ mobile app that allows you to temporarily disable (lock) and re-enable (unlock) online banking transactions with just a few clicks.

In this guide, we will walk you through the simple step-by-step process to lock and unlock Central Bank mobile and internet banking transactions.

Why Should You Lock Your CBI Online Transactions?

    1. Enhanced Security: Protects your account against unauthorized transactions, phishing attacks,            and online fraud.

    2. Instant Control: You can keep the service locked when not in use and unlock it only when you            need to make a transfer.

    3. Zero Disruption to Other Services: Locking mobile/net banking will not block your ATM                    withdrawals, branch visits, or UPI transactions.

How to Lock CBI Mobile & Internet Banking Transactions

Follow these quick steps using the Cent eeZ mobile banking app:

1. Log in: Open the Cent eeZ app on your smartphone and log into your account using your MPIN or biometric login.

2. Open Menu: Tap on the three horizontal lines (Hamburger Menu) in the top-left corner of the screen.

3. Go to Settings: From the menu list, tap on Settings.

4. Select Lock / Unlock: Scroll through the settings list and select "Transaction Lock / Unlock".

5. Toggle the Button: Under the Lock & Unlock option, toggle the switch ON to lock online transactions, then tap Continue.

6. Enter OTP: An OTP (One-Time Password) will be sent to your bank-registered mobile number. Enter the OTP to verify.

7. Confirmation: Once submitted, you will see a confirmation message: “Success, Mobile and Internet Banking transaction locked successfully.”

Note: Once locked, all fund transfers (NEFT, RTGS, IMPS) and bill payments via mobile & net banking will be locked.

How to Unlock CBI Mobile & Internet Banking Transactions

When you need to make a payment or transfer funds again, you can unlock the service instantly:

1. Open the Cent eeZ app and navigate to Menu > Settings.

2. Tap on "Transaction Lock / Unlock".

3. Toggle the switch OFF to unlock transactions and tap Continue.

4. Enter the OTP received on your registered mobile number.

5. A confirmation message will appear confirming that your mobile and internet banking transactions are now successfully unlocked.

Frequently Asked Questions (FAQs)

1. Will my UPI and ATM card stop working if I lock mobile banking?

No. Locking mobile and net banking transactions only restricts web and mobile portal transfers. You can continue using your Debit Card at ATMs, POS machines, UPI apps (like Google Pay, PhonePe), and offline branch services.

2. Can I unlock the transactions anytime?

Yes. The lock/unlock feature is available 24/7 through the Cent eeZ mobile banking app.

3. Are there any charges for locking or unlocking transactions?

No. This is a free security feature provided by Central Bank of India.

Final Words

The transaction lock/unlock facility in Central Bank of India’s Cent eeZ app is an excellent tool to keep your funds safe from online threats. By following the simple steps above, you can take full control of your banking security.

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