COSMOS Bank Net Banking – How Login & Register?

The Cosmos Co-operative Bank Limited has been relentlessly serving its customers for 117 years and has grown into a reputable banking services provider with 170 branches across 7 states. The bank has consistently maintained the highest level of ethical standards, corporate governance, professional integrity and regulatory compliance. 

Catering the needs of its various customers, the bank designs its products and services accordingly, resulting in more than 20 lakh satisfied customers. Cosmos Bank Net Banking is one of their newer services to make your online banking experience fast, convenient and secure.

Keep reading to find out more information about the net banking facility of Cosmos Bank. 

Cosmos Bank Net Banking Services

The Cosmos netbanking services for retail and corporate customers cover the following features:

How to Register to Cosmos Bank Net Banking?

Cosmos Bank offers a wide range of banking services online, but the registration process involves visiting the branch once. The process has the advantage of being secure because of its simple nature, which you can go through offline just once before getting the PIN/Password. 

Follow the below steps to register for the Cosmos Bank Net Banking service.

• Step 1: Open the official website of Cosmos Bank.
• Step 2: Click on the ‘Netbanking Login’ button at the top-right. You will land on the login page. 
• Step 3: Click on ‘Register Now’ in the ‘Customer Service’ section.
• Step 4: Download the ‘Retail Form’ or ‘Corporate Form’ as per your requirement, fill it up with the necessary information, attach the necessary KYC documents with the application form and submit it to the nearest branch.

How to Login to Cosmos Bank Net Banking?

Following are the steps to log in to Cosmos online banking portal.

• Step 1: Visit the official website of Cosmos Bank.
• Step 2: Click on the ‘Netbanking Login’ button at the top-right. You will land on the login page. 
• Step 3: Under the tab ‘Login As’, select any one of ‘Personal Banking’ or ‘Corporate Joint A/C Holder’ and click on ‘Continue’.
• Step 4: Enter ‘Customer ID/User ID’ in case of Personal Banking, and enter ‘Corporate ID’ along with ‘Customer ID’ in case of Corporate Banking. Then, click on ‘Continue’.

How to Reset Cosmos Bank Net Banking Password?

• Step 1: Navigate to the official website of Cosmos Bank. 
• Step 2: Click on the ‘Netbanking Login’ tab. You will land on the login page. 
• Step 3: Select any one of the options between ‘Personal Banking’ or ‘Corporate Joint A/C Holder’ and click on ‘Continue’.
• Step 4: Enter customer or corporate ID and click on ‘Continue’. Now the system will ask for your password.
• Step 5: Click on the ‘Forgot Password’ link to initiate the reset process. 
• Step 6: Set a new password. 

How to Check Cosmos Bank Account Balance Online?

Here is a step-by-step guide on how to check Cosmos Bank’s account balance online. 

• Step 1: Say ‘Hi’ to the number +91-89 56 56 7100 from your registered mobile number via the WhatsApp Application. 
• Step 2: Specify the service you want to avail. In this case, click on ‘Fetch Account Balance’. 

How to Transfer Money via Cosmos Bank Net Banking?

Cosmos Bank Net Banking allows you to transfer money through the following methods:

1. NEFT (National Electronic Fund Transfer)

• Step 1: Log in to your Cosmos Bank Net Banking account.
• Step 2: Add the beneficiary as a payee. 
• Step 3: Enter the required details about the beneficiary in the ‘Add New Payee’ section. 
• Step 4: Choose ‘NEFT’ as a mode of Fund Transfer.
• Step 5: Select the account you wish to transfer money from.
• Step 6: Enter the payee and amount you have to transfer
• Step 7: Add remarks, if any. 
• Step 8: Click on ‘Submit’.

2. RTGS (Real Time Gross Settlement) 

• Step 1: Log in to the Cosmos Bank Net Banking account.
• Step 2: Add the details of the beneficiary, once you log in.
• Step 3: Select the option ‘RTGS’ for the transaction method.
• Step 4: Enter the details of the beneficiary and the payment to be processed to make the transactions.
• Step 5: Submit the request and the funds will be transferred to the beneficiary’s account immediately.

3. IMPS (Immediate Payment System)

• Step 1: Log into your Cosmos Bank net banking account.
• Step 2: Enter the beneficiary’s account number, IFSC Code, account type, particulars and contact information.
• Step 3: Go to ‘Fund Transfer’. 
• Step 4: Select the beneficiary to whom you want to transfer funds.
• Step 5: When the beneficiary’s account information appears, fill in the amount and remarks fields (optional).
• Step 6: Click on ‘Confirm’. After you confirm the payment, the system will quickly transfer your funds by IMPS.

Cosmos Bank Net Banking – Daily Limits and Charges

1. In the case of NEFT

Note: The mentioned charges apply only to Cosmos Regular Savings Account. No charges are applicable for Premium and Royal Accounts. 

2. In the case of RTGS

Note: The mentioned charges apply only to Cosmos Regular Savings Account. No charges are applicable for Premium and Royal Accounts.

3. In the case of IMPS

4. In the case of UPI

Cosmos Bank Net Banking Features

Here are some of the salient features you can avail by using the Cosmos Bank online banking facility. 

1. Utility Bill Payments: Use the Universal Bill Payment platform to manage and pay your utility (telephone, mobile and electricity) bills
2. Funds Transfer: Easy transfer of money to your accounts in other banks or within Cosmos Bank via a round-the-clock facility including NEFT, RTGS and IMPS platform
3. eMandate Registration: Facilitates the electronic movement of the mandates
4. Multiple Security Levels: Enhanced security at login with automatic session timeout and lockout features including virtual keypad and multi-factor authentication
5. User Management: Enables account holders to update their profile, customise login ID, manage password and transaction limits
6. Bulk Transaction Upload: Enables customers to make bulk salary or supplier payments without needing to visit the bank branch
7. Multi-Level Approval Hierarchies: Creation and approval of transactions through maker–checker principle

Cosmos Bank Net Banking Customer Care

The following are some important email addresses (for different departments of support), the toll-free support number, and the head office address of Cosmos Bank. 

Final Word 

Hopefully, now you have a clear idea of how to avail the benefits of the different features and services of the Cosmos Bank net banking facility. The bank, with this online facility, aims to provide a unique and hassle-free banking experience to its customers by ensuring fast and seamless execution of requests, enquiries and transactions. 

FAQs

Disclaimer

This article is solely for educational purposes. Stable Money doesn't take any responsibility for the information or claims made in the blog.