"SinpeMóvil" (Mobile Payment System) is a service aimed
at the retail payment segment (for small amounts), making it possible for
users of the National Financial System to make cash electronic transfers to
accounts linked to mobile telephones from any electronic banking channel (Banca SMS, Banca Web Móvil, Banca App, On-Line
Banking or Automated Teller Machine Network).
Its design provides
customers with a safe payment mechanism which is interoperable, easy to
access, has broad coverage and is highly available.
Región de Acordeón
customers of the National Financial System with a mass-market mobile
payment mechanism to reduce demand for cash as a method of payment in the
to the service
with SinpeMóvil must
be requested in the financial entity where the account to be linked to
the mobile telephone line is held.
entities that offer the service:
-Banco Nacional de Costa Rica
-Banco de Costa Rica
-Banco Bac San José
-Coopeande N° 1
customer must have an open account with funds in colones
in any of the financial entities that offer the service to their costumers.
must have an active mobile telephone line.
must also comply with whatever other specific requirements their
financial services provider may have.
of mobile telephones
numbers can only be linked to accounts in colones.
mobile telephone number must be linked to a single account.
same account may be linked to one or more mobile telephone numbers.
single customer can link as many mobile telephone numbers and accounts as
he or she wishes to the service.
of transactions that can be carried out
-Affiliation: enables customers to use the
service on their mobile telephones.
-Mobile payment: allows making a transfer from
a mobile telephone number affiliated with the service, whether the
recipient account is in the same financial entity as the costumer account
or in another entity that offers the service to its costumers.
-Balance inquiries: shows the balance of the
account linked to the mobile telephone number.
-Transaction inquiries: shows the latest movements of
funds in the account linked to the mobile telephone number.
-Cancelation: disables use of the service.
limits and commissions charged
made through a mobile telephone up to a daily total of ¢100,000 have no
cost for the costumer. The financial entity may authorize a higher amount
to a client, and it may also charge a commission on any amount that
deposits received in the fund account for up to a monthly accumulated
amount of ¢1,000,000 have no cost for the costumer. The financial entity
may authorize its costumer to receive a higher amount, and it may also
charge a commission on any amount that exceeds ¢1,000,000.
of transactions and service schedule
service is available to costumers twenty-four hours a day, every day of
payments are liquidated in real time (immediately) in the costumers’
answers to frequent questions about using the service that may be useful to
Región de Acordeón
can I affiliate myself with SinpeMóvil?
to the service, you must contact the financial entity where you keep the
account that you wish to link to your mobile telephone, and ask about the subscription
should I do if my telephone is stolen or lost?
this case, you must report the situation immediately to your financial entity so that the SinpeMóvil service is
disabled - this will remove the risk that the telephone may be improperly
used by another person.
financial entities offer SinpeMóvil services to their costumers?
offered by the Banco Nacional, the Banco de Costa Rica, Banco BAC San
José, Banco Lafise, Coopenae
and Coopeande N. 1
financial entities are also working to be able to provide the service to
their costumers. Therefore, once a new entity
is ready to operate with SinpeMóvil, it will be announced so that its costumers may subscribe to the service.
many accounts may I link to the same telephone line?
one account may be linked to a single mobile telephone number, although
several telephones may be linked to the same account.
can I cancel the service?
sending a message "INACTIVAR" to the short code of your financial entity
(using SMS messaging) or directly through any other channel in which your
financial entity has enabled the option to cancel the service (Banca Web Móvil, Banca App, On-Line Banking or Automated Teller
must ask directly in your financial service provider’s offices about the channels
which it has available to cancel the service, so that you know what to do
in case you need to do so.
need to be affiliated to transfer funds through this service?
do not need to be affiliated with SinpeMóvil to transfer funds though authenticated channels
(Banca Web Móvil, Banca App, On-Line Banking or Automated Teller
you wish to send funds using SMS, you must be affiliated with the