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IBS Features

Explore the full set of tools designed to simplify financial management for both personal and business use.

Passbook

Real-time Monitor

Stay updated with all credits, debits, and your current balance at a glance.

Interactive Interfaces

Convenient Ways to Transact

Choose how you initiate transactions.

  • Phonebook – frequently used accounts.
  • Groups – manage collections/payments in bulk.
  • Payables – recurring accounts (e.g. bills).
  • Auto Debits – automated recurring payments.
  • Search – direct or ID-based account lookup.
  • QR – scan for quick response.
  • Offline – transact even if the other account is offline.

Pending Requests

Centralized Approval Hub

  • Credit: Track your own pending receive requests.
  • Debit: Manage pending requests from others.

Fundings

Chronological Tracking

Keep detailed records of deposits and withdrawals.
Views:

  • Date View – time, cashier, and amount.
  • Month View – consolidated daily records.
  • Year View – consolidated monthly records.

Ranks:

  • Date Rank – ranks cashiers by total deposits/withdrawals.
  • Month Rank – ranks cashiers monthly.
  • Year Rank – ranks cashiers yearly.

Send Money

Flexible Sending Options

  • Add a message and upload pictures.
  • Tag expenses with labels.
  • Confirm securely with Debit PIN.

BCS Transact

Withdraw and Deposit with BCS Cashier

  • BCS Branch: Face-to-face deposits/withdrawals with cashier.
  • BCS Correspondence: Large deposits/withdrawals via bank.
    • Add message with receipt image for complete records.

Transfers

Clear Transaction History

Track all money sends and receives.
Views:

  • Date View – sender/receiver, time, and amount.
  • Month View – consolidated daily records.
  • Year View – consolidated monthly records.

Ranks:

  • Date Rank – daily sender/receiver ranking.
  • Month Rank – monthly sender/receiver ranking.
  • Year Rank – yearly sender/receiver ranking.

Receive Money

Organized Collection

  • Request with message and optional picture.
  • View sender’s notes.
  • Tag income sources with labels.

Support

Always Connected

  • Find everything you need in one place:
    • Local Agents’ Locations
    • BCS Branches Addresses
    • Registered Companies
    • Depository Bank Accounts
    • Customer Care (Hotlines, Terms & Conditions)