Can I use IMPS if I don't have a smartphone or internet connectivity?

Yes, you can use IMPS (Immediate Payment Service) even if you don't have a smartphone or internet connectivity. IMPS offers multiple channels through which you can initiate transactions, including channels that don't require a smartphone or internet connection. Here are a few options:

1. Mobile Banking via SMS: Many banks provide mobile banking services through SMS (Short Message Service) or USSD (Unstructured Supplementary Service Data). With this feature, you can perform basic banking tasks, including IMPS transfers, by sending specific SMS commands or dialing USSD codes from your mobile phone. You can check with your bank for the specific SMS or USSD codes to initiate IMPS transactions.

2. Phone Banking: Banks often have phone banking services where you can call their customer service helpline and request an IMPS transfer. A customer service representative will guide you through the process and initiate the transaction on your behalf. Make sure to have your account details and the recipient's information ready when you call.

3. Bank Branch: Visit your bank's branch and request an IMPS transfer at the counter. Fill out the necessary forms or provide the required details to the bank staff, and they will process the transaction for you.

4. ATMs: Some ATMs provide the option to initiate IMPS transfers. Insert your debit card into the ATM, select the appropriate options, and follow the instructions displayed on the screen to perform the IMPS transfer.

It's important to note that the availability and specific procedures may vary depending on your bank. It's recommended to check with your bank's customer service or visit their official website for detailed information on alternative methods to use IMPS without a smartphone or internet connectivity.

Keep in mind that while nonsmartphone options are available for IMPS, they may have limitations compared to the convenience and features offered by smartphonebased mobile banking apps.