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A Non-banked Mobile Wallet that empowers the unbanked masses to INSTANTLY transfer money to any bank account and receive money from any bank account holder, 24x7 from Oxigen Wallet.
Instant Money Transfer

Oxigen Instant Money Transfer Service.

A service that enables the unbanked masses of India, to transfer money without any hassles to any bank account and receive money into the Wallet 24 x7. This service is a boon to the underprivileged segment of India’s population, who have been unable to avail the benefits of money transfers due to the complicated and lengthy process of opening a Bank account, involving KYC documentation. They would all now be able to transfer and receive funds from any bank into the Oxigen Wallet.

These money transfers are instant & made on real time, and has been made possible by NPCI, using IMPS (Immediate Mobile Payment Service).

No Un-Banked mobile wallet in the world today, is permitted to transfer money to and from Bank accounts.
The tie up of NPCI with Oxigen’s mobile Wallet, ”Oxigen Wallet”, makes Oxigen wallet , the India’s First Non Banked wallet (approved by RBI), to make Instant money transfers to any bank, receive funds into the Oxigen Wallet from any bank and also permitting inter wallet fund transfers, anytime, anywhere, 24*7!

Now, any one, be it a migrant worker or a college student away from home can transfer and receive money in a jiffy. So far, no wallet in the world was enabled with these 360 degree solutions.

The tie up between NPCI and Oxigen Wallet is 3 fold:

  1. Oxigen Wallet to Bank Account using beneficiary’s Bank account number and IFSC code (27 banks liven http://www.npci.org.in/impsIFSC3.aspx  with 14 more
    banks in pipeline)
  2. Oxigen Wallet to Bank Account using Beneficiary’s Mobile Number and Mobile Money ID (MMID) (55 Banks live http://www.npci.org.in/impsmerpayp2p.aspx 
    with remaining 6 banks in pipeline )
  3. Bank Account to Oxigen Wallet using Oxigen Wallet registered Mobile Number and MMID (8888888)   http://www.npci.org.in/impsmerpayp2p.aspx  
    with remaining 6 banks in pipeline
  4. Oxigen Wallet to Oxigen Wallet

Oxigen Money Transfer service is available both Online ( www.oxicash.in)  and On-mobile, using a Mobile Application (Android Client) and on simple text SMS also. This wallet is available pan India and can be created over a simple SMS. The Oxigen Wallet can be funded initially at any of Oxigen’s 1,00,000 retail touch points.

A customer also benefits from this service’s Instant refunds system. Customers do not need to wait anymore to get refunds, unlike the long wait periods running into a few days at banks when using NEFT or RTGS methods for fund transfers.

The short code is OXC and NBIN (National Bank Identification Number) is 8888

The steps to use Oxigen Money transfer services are easy and as follows:

Through Oxigen Wallet Website

1.The customer selects the payment type as per choice: Using Account Number/IFSC Code
     or MMID/Mobile Number Combination

2.The customer selects the option for using the Account Number/IFSC Code

  • The customer logs on using his/her wallet number and the Oxigen Wallet Password
  • The customer enters the beneficiary account number and the IFSC Code
  • The customer enters the OTP received to authenticate the payment
  • The money transfer is done and updated balance is displayed on the screen

3.The customer selects the option for using the Mobile Number/MMID

NPCI Banks
  1. Allahabad Bank
  2. Andhra Bank
  3. Axis Bank Limited
  4. Bank of Baroda
  5. Bank of India
  6. Bank of Maharashtra
  7. BNP Paribas
  8. Canara Bank
  9. Catholic Syrian Bank Ltd.
  10. Central Bank of India
  11. Citi Bank
  12. Cosmos Co-operative Bank
  13. Corporation Bank
  14. Dena Bank
  15. Development Bank of Singapore
  16. Development Credit Bank Ltd
  17. Dhanalakshmi Bank
  18. Dombivli Nagarik Sahakari Bank
  19. Federal Bank
  20. HDFC Bank Limited
  21. HSBC
  22. ICICI Bank Limited
  23. IDBI Bank Ltd.
  24. Indian Bank
  25. Indian Overseas Bank
  26. IndusInd Bank Limited
  27. ING Vysya Bank Limited
  28. Jammu & Kashmir Bank
  29. Janata Sahakari Bank, Pune
  30. Janata Sahakari Bank Ltd., Pune
  31. Karnataka Bank
  32. Karur Vysya Bank
  33. Kotak Mahindra Bank Limited
  34. Lakshmi Vilas Bank
  35. Mehsana Urban Co-operative Bank
  36. NKGSB Co-operative Bank
  37. Oriental Bank of Commerce
  38. Punjab and Maharashtra Co-op Bank
  39. Punjab National Bank
  40. Saraswat Bank
  41. South Indian Bank Ltd.
  42. Standard Chartered Bank
  43. State Bank of Bikaner & Jaipur
  44. State Bank of Hyderabad
  45. State Bank of India
  46. State Bank of Mysore
  47. State Bank of Patiala
  48. State Bank of Travancore
  49. Syndicate Bank
  50. State Bank of Bikaner and Jaipur
  51. Tamilnad Mercantile Bank Ltd.
  52. Thane Janata Sahakari Bank
  53. The A.P Mahesh Urban Co-op Bank
  54. The Greater Bombay Co-op Bank
  55. UCO Bank
  56. Union Bank Of India
  57. United Bank Of India
  58. Vijaya Bank
  59. Yes Bank Ltd

Through Mobile Banking

The process is as follows:

To Send money, the customer uses either a combination of Mobile Number and MMID or Account Number and IFSC Code.

1.  The customer wants to send money using Account Number and IFSC Code
       SEND IMPS*Account Number*IFSC Code*Amount*Oxigen Wallet Password*Remark to 9870888888 / 9971888888

2.   The customer wants to send money using Mobile Number and MMID
       SEND IMPS*Beneficiary Mobile Number*MMID*Amount*Oxigen Wallet Password*Remark to 9870888888 / 9971888888

For details on participating Banks, merchants enabled, and process flow for IMPS merchant payments, please visit 

The information is also available on IMPS mobile site (accessible through the mobile phone browser) at http://imps.npci.org.in

Downloads Oxigen Money Transfer FAQ's

IMPS using Account No and IFS code:
Name of the bank First Four Digits of IFSC Code Name of the Bank First Four Digits of IFSC Code
Canara Bank (CNRB) Dombivli Nagari Sahakari Bank (DNSB)
The Greater Bombay Co-op Bank (GBCB) Tamilnad Mercantile Bank (TMBL)
A P Mahesh Co-op Urban Bank (APMC) State Bank of India (SBIN)
Indian Bank (IDIB) Bank of Baroda (BARB)
Andhra Bank (ANDB) Yes Bank (YESB)
Saraswat Co-operative Bank (SRCB) State Bank of Hyderabad (SBHY)
ICICI Bank (ICIC) BNP Paribas (BNPA)
Federal Bank (FDRL) Karur Vysya Bank (KVBL)
Corporation Bank (CORP) IDBI Bank (IBKL)
Punjab and Maharashtra Co-op bank (PMCB) The Thane Janata Sahakari Bank Ltd (TJSB)
Bassein Catholic Co-operative Bank (BACB) Jammu and Kashmir Bank (JAKA)
Union Bank of India (UBIN) The Cosmos Co-operative Bank (COSB)
United bank of India (UTBI) The Mehsana Urban Cooperative Bank (MSNU)
Janata Sahakari Bank Ltd. , Pune (JSBP) Dena Bank (BKDN)
Axis Bank (UTIB) Vijaya Bank (VIJB)
HSBC Bank (HSBC) Syndicate Bank (SYNB)
Development Bank of Singapore (DBSS) NKGSB Co-op Bank (NKGS)
IndusInd Bank Ltd. (INDB) Punjab National Bank (PUNB)
Bank of India (BKID) Kotak Mahindra Bank (KKBK)
Citibank (CITI) State Bank of Mysore (SBMY)
State Bank of Travancore (SBTR) State Bank of Bikaner and Jaipur (SBBJ)
State Bank of Patiala (STBP) South Indian Bank Limited (SIBL)
HDFC Bank (HDFC) The Nainital Bank Pvt Ltd. (NTBL)
Oriental Bank of Commerce (ORBC) Development Credit Bank (DCBL)
ING Vysya Bank Ltd. (VYSA)