SPECIAL FEATURES OF MDB AGENT BANKING

• All Current & Savings Account can be opened with balances as minimum as BDT 500.00 and 200.00 only respectively;
• Specific Fixed Deposit Accounts can be opened with balances from BDT 10,000.00 only;
• Attractive Savings Scheme Accounts can be opened with affordable installment size;
• Cheque Book facility for all types of customers;
• RTGS facility for all types of customers;
• BEFTN facility for all types of customers;
• Free Debit Card facility for the 1^st year;
• Free internet banking facility (midland online);
• Fund transfer to Bkash through midland online;
• Free SMS Alert facility;
• 24 hours Contact Centre.

Eligibility for Becoming an Agent

• Agent will have at least 1 (one) year old valid business license;
• Agent must have clean CIB & Police Verification Report;
• Agent must be financially sound and solvent.

Non Eligibility for an Agent

• Bank related person/Bank Officials will not be eligible to become an agent in the same bank within 1 (one) year of his/her retirement or resignation;
• Anyone who is currently an Agent of another Bank;
• Defaulters with any bank or financial institutions;
• Bankrupts;
• Convicted by a court of law, up to 3 (three) years after completion of sentences or penalties;
• Under investigation for any criminal charges;
• Under investigation or convicted of money laundering or terrorist financing activities;
• Under investigation of the Anti-Corruption Commission.

Eligible Entities for becoming an Agent

• MFI’s regulated by Micro Credit Regulatory Authority of Bangladesh;
• NGOs registered with Social Welfare Directorate;
• Societies registered under the Societies Registration Act, 1860;
• Cooperative Societies formed and controlled/supervised under Cooperative Society Act, 2001;
• Government Offices having branch/unit offices;
• Courier and mailing service companies registered under Ministry of Posts & Telecommunications;
• Companies registered under the Companies Act, 1994;
• Agents of mobile network operators that fulfils the eligibility criteria as laid down in these Guidelines;
• Local Government Institutions;
• Union Digital Centre (UDC);
• Agents of insurance companies that fulfil the eligibility criteria as laid down in these Guidelines;
• Any business entity having trade licenses from eligible authorities that fulfils the eligibility criteria as laid down in these Guidelines; and
• Any other entity which Bangladesh Bank may prescribe or authorize.

INFORMATION AND DOCUMENTS REQUIRED FROM AGENTS

• Valid Trade License;
• Certificate of incorporation/Certificate of Registration, MOA, latest form X & XII (for Limited Company);
• Business Profile;
• Contact Details of the Agent;
• NID & Passport Size Photograph of the Agent;
• Bank Solvency Certificate;
• CIB Report of the Agent or concerned persons;
• Police Verification Certificate of the Agent or concerned persons;
• TIN Certificate;
• Reference letter from two local persons with acceptable social standings.

Prohibited Activities for an Agent

• Entre into agent banking contract with more than one bank;
• Operate of carry out an electronic transaction when there is communication failure/error in the system;
• Carry out a transaction when a transactional receipt or acknowledgement cannot be generated;
• Charge customers directly any fee beyond bank’s prescribed fees;
• Offer any type of guarantee in favor of any customer;
• Offer banking services on its own accord (provide banking services on its own account similar to those provided by it under an agency contract) or offer services that the principal is not authorized to offer;
• Continue with the agency business when it has a criminal record or disciplinary case involving fraud, dishonesty or any other financial impropriety;
• Provide, render or hold itself out to be providing or rendering any financial service which is not specifically permitted in the contract;
• Open accounts, grant loans or carry out any appraisal function for purposes of opening an account or granting of a loan or any other facility;
• Make debit or credit transactions using cheque;
• Transact in foreign currency;
• Representing the bank in any means to a third party without written consent from the bank; and
• Be run or managed by a bank’s employee or its associate.

AGENT BANKING CENTRE

Agent Banking Forms

Download				Title				Details
				Agent Application Form				MDB Agent Application Form
				Agent Booth Information				MDB Agent Booth Information
				Personal Net Worth Statement				MDB Personal Net Worth Statement
				Business Forecast Agents				MDB Business Forecast Agents
				Agent Banking Circular				BRPD Circular of Agent Banking Operation
				Agent Banking (Operation Guideline)				Prudential Guidelines for Agent Banking Operations in Bangladesh

Agent Lead Generation

আধুনিক ও সহজ ব্যাংকিং সেবা পৌঁছে দিতে দেশব্যাপী মিডল্যান্ড ব্যাংকের এজেন্ট নিয়োগ প্রক্রিয়া চলছে

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https://docs.google.com/forms/d/e/1FAIpQLSdc20fr_RBjAQUDnZcdLiKKzsn4aop7itbGBw1SAXB6fFrQ5w/viewform?usp=pp_url

Agent Banking Customer Awareness