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e-Banking

CCBL have launched Internet Banking Services free of Charge to all Account Holders. We are providing following services free of Charge to our Customers using CCBL Internet Banking Services. 

Customers have to collect the Internet Banking Application Form from any of our Branch or may download it from our site www.centurybank.com.np download page and submit the filled-in form to the Branch. It is required to collect the login and transaction password from the branch.

For further inquiries Contact Us at:

Century Commercial Bank Limited.
Putalisadak, Kathmandu, Nepal.

Phone

: 977-1-4445062 (Hunting No.)

: 977-1-4412579
: 977-1-4428392
Email: welcome@centurybank.com.np

Deposits

Global Remittance

• Century Remit
• Other Remit Services
• Century Remit Bachat Khata
• Payout Locations

Cards

1. CCBL Debit Card:

Customers can apply for CCBL Visa Debit Card from any of our branches. This card can be used in all ATMs and POS with Visa logo in Nepal, India and Bhutan. Enjoy cashless, convenient shopping in stores with your debit card and say good-bye to the hassles of withdrawing cash every time you need to shop.

Key Features:

• EMV Debit Card (CHIP +PIN based) for secure and convenient Purchases & Cash withdrawals
• Comes with 3 years validity
• Widely acceptedwithin Nepal, India and Bhutan

Transaction limits in Nepal:

• Cash withdrawal limit of NPR 25,000 per transaction
• Cash withdrawal limit of NPR 100,000 per day
• Cash withdrawal limit of NPR 500,000 per month
• POS purchase of NPR 300,000 per day
• POS Purchase of NPR 100,000 per transaction
• POS purchase of NPR 600,000 per month

Transaction limits in India:

• Cash withdrawal limit of INR 10,000 per day 
• Cash withdrawal limit of INR 100,000 per month 
• POS purchase of INR 100,000 per day 
• POS purchase of INR 100,000 per transaction
• POS purchase limit of INR 100,000 per month

2. CCBL Credit Card:

CCBL Credit Cards offers a host of benefits, offers and features to cater to your needs. It is a short-term credit facility provided to the customers against screening of customer against pre-set credit scoring methods. CCBL Credit Card is a card that provides its card holder a revolving line of credit, the size of which is generally determined by the income source, financial history and other requirements as per the regulations determined by the Management of the Bank and Nepal Rastra Bank from time to time.

This card can be used in Nepal and India for purchases & cash withdrawal transaction through any ATMs and POS with Visa logo in Nepal, India and Bhutan.

Key Features:

• EMV Credit Card (CHIP +PIN based) for secure and convenient Purchases & Cash withdrawals
• Comes with 3 years validity
• Flexible repayment option
• Revolving Credit cycle with competitive interest rate
• Own your desired product/services on Easy Plan Facility (EMI payment)
• Unlimited/wider acceptance within Nepal, India and Bhutan
• Get SMS and E mail alert of your transaction
• Supplementary card facility for immediate family members
• Hassel free solutions of carrying cash

Required Documentation:

• Duly filled in CCBL Credit Card application form
• Photos (PP size)
• Citizenship Certificate/Passport copy
• Income source document
• Residence location map

Transaction limits in Nepal:

• 10% of credit card limit
• POS purchase of NPR 300,000 per day
• POS purchase of NPR 500,000 per month

Transaction limits in India: • INR Equivalent to NPR 10% of credit card limit • POS purchase of INR 300,000 per day • POS purchase limit of INR 300,000 per month

3. CCBL Travel Card

CCBL Travel card offers individual travellers the most convenient way to hold and access currency abroad. It is a secured and convenient alternative to carrying physical cash during travel. Make your foreign trip fully secure, convenient and hassle free with smart alternative to paper based instruments like cash, Bank Draft etc.

Key Features

• Avail your card without having bank account
• Perfect Travel Companion
• Get your personalized card (issuance possible on the same day as well)
• EMV Card (CHIP +PIN based) for secure and convenient Purchases & Cash withdrawals
• Comes with 3 years validity
• Unlimited/wideacceptance worldwide except Nepal, India and Bhutan
• Hassel free solutions of carrying cash

Required Documentation:

• Photos (PP size)
• Passport with valid VISA
• Confirmed Air Ticket
• NRB permit (asapplicable)

4. Easy Plan Facility

Credit Cards are not limited to basic credit card functions these days, in turn, used as a means to catch the attention of potential customers. To support purchasing power of our valuable customers, CCBL now allows them to purchase comfortably with Equated Monthly Instalments (EMI)

Key Features

• 0% interest on financing available
• No down payment required
• Flexible EMI period of up to 18 months
• No processing fees or pre-payment charges
• Hassel Free Process
• Own your desired product/services on easy EMI payment.
• Travel your dream destination on EMI.
• Financing up to NPR. 500,000/-
• Flexible Tenure
• Financing against VAT/ PAN Bill available

Required Documentation

• Should be a Credit Card holder of Century Bank or be eligible to avail Century Bank’s Credit Card
• For Non Credit Card customers, please refer Credit Card section in the website for details
• Quotation for desired products from partner merchants or original VAT/ PAN bill of the product purchased (please click on “Merchant List” for partner merchant details)

Contact no: 977-1-5530447

Email: cards@centurybank.com.np

Century Pay

Mobile banking is a platform provided to the customers enabling them to access their accounts through mobile phones in a secured manner. The mobile banking service gives customer account information and real time transaction capabilities from mobile phones on-the-go. Mobile Banking service of CCBL allows customers to carry out various informational and financial transactions through their mobile phones as follows:

• Self-registration 

• Best Cash-back offer on top-up and Recharges

• Account information inquiry

• Funds transfer facility

• Credit Card Bill payment

• Bill Payment of NTC Land Line / NTC GSM Post-Paid / NCell Top-up / Smart Cell Top-up

• NTC GSM/CDMA Pre-Paid recharge / ADSL top-up

• Electricity Bill Payment (NEA) / Khanepani

• Load various wallets like e-sewa / khalti etc.

• QR based Merchant Payments (more than 125K QR Merchants all over Nepal)

The scope of Mobile Banking services shall not only be limited to the features mentioned above and is subject to review according to market trends and customer needs.

How do I get Century Pay Mobile App?

You can simply download Century Pay app from App Store/Play store on your mobile and register yourself using your mobile number and account number. However, for availing Funds Transfer facility, you need to send a signed letter via e-mail to cards@centurybank.com.np or contact your nearest branch.

Play store

App store

Viber Banking

Join Century Commercial Bank Ltd. on Viber https://invite.viber.com/?g2=AQAO5aV9RLTQL0tZRkazsyCQ6DoXDyB2bqy1kcTChEV85EKtcZTe9vQv3Z5igxoN

Correspondent Banking / Nostro Details

Bank Guarantees

Bank guarantee is very important tools / instrument for facilitating various businesses viz. construction, contract, supply, manpower, tour & travel, outsourcing company and agency businesses. In Nepal, construction business continuously growing and expected to grow further where massive physical infrastructure is yet to be developed. Since construction is the part of development, its scope never ends. Further, due to the advancement on trading & service mechanism, practice & scope of bank guarantee is growing in supply & agency businesses too. Due to this fact, in view of commission based income, bank guarantee is one of the major business activities for the bank.

Our Bank Guarantee Facilities comprises wide range of services to facilitate construction and other business of our valuable customers. We are committed to high level of customer service to meet the business requirements of our customers while equally concerned about the risks associated with guarantee transactions. Hence, our Bank Guarantee/Trade Finance team processes your requests with extensive care complying local and international laws associated with Guarantee.

1. Bank Guarantee & Contract Loan Facilities:

a. Bid Bond

b. Performance Bond

c. Advance Payment Guarantee

d. Credit Supply Guarantee

e. Other Guarantee viz. Customs Guarantee, Court Guarantee

f. Line of Credit

g. We also provide Contract Loan against project awarded to the contractors and provide Hire Purchase for various construction equipment financing.

2. Documents Required

1. Loan Application
2. Firm Registration Certificate (in case of Proprietorship or Partnership Firm)
3. Partnership Deed (in case of Partnership Firm)
4. Company Related Documents:

• Company Registration Certificate (Company Registrar and/or Industry Dept., Dept. of Commerce or other related Office)
• Memorandum of Association (Prabandhapatra)
• Articles of Association (Niyamabali)
• Fresh Share Lagat certified by Company Registrar
• Minute of Board (must mentioned different loan amount and authorised person to sign legal documents and to be signed by all directors)
• Special Minute of Shareholder (more than 2/3 majority of shareholders) for acquiring loan exceeding Capital & Free Reserve for more than six months period.
• Details of Shareholding Percentage of Promoters/Shareholders
• Name of Board of Directors

1. PAN/VAT/Excise Duty Registration Certificate
2. Tax Clearance Certificate
3. Citizenship and Photo of Individual/Proprietor/Partners/Directors/Guarantors (all partners in case of partnership)
4. Borrower's/Company Profile (Market information, Suppliers, Buyers/Dealers, Competitor, etc.)
5. Profile/CV of all promoters/partners/proprietor
6. Net Worth of Promoters/Guarantors
7. Family Detail of Proprietor/Partners/Promoters/Guarantors
8. Multiple Banking Declaration
9. Collateral Related Documents:

Land Ownership Certificates (Lal Purja) and other Land and Building related documents (i.e. Char Killa Pramanit, Tress Map, Blue Print of Map, Bato Sifaris, Approved Drawing of Building, Construction Completion Certificate of Building) Malpot Paid Receipt; House & Land Tax Paid Receipt & Rajinama Pass (Purja)

• Audited Financial Statement as per Tax purpose (Profit & Loss and Balance Sheet and other annexure) of last 3 years, provisional Statement of Current Fiscal Year
• Projected Financial Statement for up-coming 3 years.
• Net worth Statement Form/Multiple Banking Transaction Information, Ka. Su. Fa.
• Monthly details of Stock, Debtors, Sales, Creditors

3. Guarantee Application Forms

4. Guarantee Extension Forms

5. Counter Guarantee Forms

6. Online Verification of Guarantee Issued

Import & Export

Century Commercial Bank Ltd. (CCBL) provides trade services covering import, export and Guarantees services. We have an experience team of trade staffs, who will work with you in a very personalized and professional manner, to ensure international trade transactions; proceed faster, easier and risk-free. Our team will not only process your request but also provide you import information useful to your business as well.

Import Letter of Credit
Documentary Letter of Credit (DC) is a conditional undertaking given by a bank (issuing bank) on behalf of buyer/applicant to pay a seller/beneficiary against stipulated documents provided all terms and conditions are complied. Letter of credit is the most safe and convenient means of payment for the export in all domestic and international trade. CCBL offers domestic and foreign Letter of Credit of two types:

• Sight LC: The Letter of Credit which needs to be settled/ retired within 5 banking days after the sight of the documentary bill following the date of presentation provided that the documents are clean.
• Usance LC: The Letter of Credit which needs to be settled/retired in a specific future date only after acceptance of the presented documents

Import Letter of Credit Cycle

• The buyer and seller negotiate the deal for purchase/sell of goods/ services and approach the LC issuing bank to open an import letter of Credit (LC)
• The issuing bank issues the Letter of Credit and sends it to the advising bank for advising the LC to the beneficiary, the advising bank advises the LC to beneficiary for shipment of goods.
• The exporter/seller exports the goods as per the terms and conditions of the LC and submits the relevant documents as stated in the LC to the negotiating/nominated bank
• The negotiating bank forwards the original documents to issuing bank for payment under LC
• The issuing bank obtains the payment from the applicant/buyer and sends the payment to the negotiating bank to further credit the payment to the beneficiary/seller.
• The issuing bank provides the LC documents to the applicant/buyer for the release of goods from the customs.

Pre-requisites for issuing import LC

Before issuing LC, applicant will require to have approved credit limits sanctioned by the bank. In line with Nepal Rastra Bank regulations, we will require the following documents along with our dully filled up LC application form for establishing LC:

• Proforma Invoice/ Sales Contract/ Indent with mandatorily mentioned following information:
• Goods Name, brand and model number
• Country of Origin of goods
• Quantity, Unit Price and Total amount
• Incoterms (CIF, FOB, CFR, EXW…etc)
• Payment type- Sight Payment, Usance with tenure or if deferred payment if the payment is to be made in mixed basis (for e.g. certain percent payment after documents arrival and certain percent payment after arrival of goods…etc)
• At least eight digit harmonic code number of goods
• Full name, address, contact no., e-mail address of the importer/buyer and exporter/seller
• Exim Code No. of the applicant/buyer
• Bi.Bi.Ni. form number 3
• Firm/ Company registration certificate
• PAN certificate
• Board Minute (If applicable)
• Memorandum of Association (MOA) (If applicable)
• Article of Association (AOA) (if applicable)
• Citizenship of the borrower
• Latest Tax lodge/clearance certificate

Export Letter of Credit
CCBL offers export LC advising and negotiation services. Under export LC negotiation, we purchase sight bill of exchange and discounting of usance bill of exchange. We negotiate export bills subject to all terms and conditions under the letter of credit are complied with.

There are various other NRB provisions regarding import/export of goods from India and other third countries. We will help you to know these provisions so as to make you feel at ease while conducting import/export business.

Letter of Guarantee
A Letter of Guarantee is an irrevocable promise made in writing by one person (guarantor or surety ) to another party( the beneficiary) to answer for the debt or default of a third party (principal debtor).

• Bid Bond Guarantee
• Performance Bond Guarantee
• Advance Payment Guarantee
• Credit Supply Guarantee
• Credit Line

Documentary collections
Documentary Collection offers low-cost but secure alternatives to letter of credit to trade. It is easy and convenient to route documentary collection through CCBL. The bank offers both inward and outward documentary collection services in a very competitive pricing in compliance with ICC publication Uniform Rules for Collection number 522 and Nepal Rastra Bank directives for both sight (DAP) and usance (DAA) collection documents.

For further information, please contact
Central Trade Finance Department
Century Commercial Bank Ltd.,
Head Office, Putalisadak, Kathmandu, Nepal
Tel: 014445062/4412579, Fax: 01444142