What Is MMID In Canara Bank?

Are you curious to know what is MMID in canara bank? You have come to the right place as I am going to tell you everything about MMID in canara bank in a very simple explanation. Without further discussion let’s begin to know what is MMID in canara bank?

What Is MMID In Canara Bank?

In today’s fast-paced digital age, banking services have evolved to meet the needs of customers on the go. Canara Bank, a leading public sector bank in India, offers a range of convenient digital banking solutions, including the Mobile Money Identification (MMID) system. In this blog, we will delve into what MMID is, how it works, and its significance in Canara Bank’s mobile banking services.

Understanding MMID

MMID, short for Mobile Money Identification, is a unique 7-digit number generated by a bank and associated with an individual’s mobile banking account. It is used primarily for facilitating mobile banking transactions, including fund transfers, balance inquiries, and bill payments.

Key Aspects Of MMID:

  1. Unique Identification: Each MMID is unique to an individual’s mobile banking account and is generated by the bank. It serves as a secure identifier, allowing customers to access their accounts and perform transactions via mobile banking.
  2. Part of IMPS: MMID is an integral part of the Immediate Payment Service (IMPS), a real-time interbank electronic fund transfer system in India. IMPS enables customers to transfer funds using MMID and Mobile Number as unique identifiers.
  3. Different from Account Number: It is essential to note that MMID is distinct from an individual’s bank account number. While your account number identifies your bank account, MMID is used exclusively for mobile banking transactions.

How MMID Works?

The MMID system in Canara Bank works in conjunction with mobile banking applications or services. Here’s a simplified step-by-step guide on how to use MMID for transactions:

  1. Registration: To use MMID, customers must first register for mobile banking services with Canara Bank. This typically involves visiting a bank branch, filling out the necessary forms, and linking their mobile number to their bank account.
  2. MMID Generation: Once registered, the bank will generate a unique MMID for the customer’s mobile banking account. The MMID is sent to the registered mobile number via SMS.
  3. Authentication: To initiate a mobile banking transaction, the customer will need to provide their MMID along with their mobile number. This serves as a two-factor authentication process, ensuring the security of the transaction.
  4. Transaction: With the MMID and mobile number, customers can perform various mobile banking transactions. These may include fund transfers to other bank accounts, checking account balances, and paying bills.

Significance Of MMID In Canara Bank

The introduction of MMID in Canara Bank’s mobile banking services has several benefits for customers:

  1. Convenience: MMID simplifies mobile banking by eliminating the need to remember complex account numbers for transactions. Customers can initiate transactions using their MMID and mobile number, making banking more convenient.
  2. Security: MMID enhances the security of mobile banking transactions. The combination of MMID and mobile number acts as a two-factor authentication mechanism, reducing the risk of unauthorized access.
  3. Immediate Payments: With MMID and IMPS, Canara Bank customers can make immediate interbank fund transfers, allowing for fast and hassle-free transactions.
  4. 24/7 Accessibility: Mobile banking services, including MMID-based transactions, are available 24/7, giving customers the flexibility to manage their finances at any time and from anywhere.


Mobile Money Identification (MMID) is a significant feature of Canara Bank’s mobile banking services, streamlining and securing transactions for customers. It offers a convenient and secure way to access banking services, make payments, and transfer funds using a unique identifier linked to an individual’s mobile banking account. As digital banking continues to evolve, MMID plays a vital role in providing customers with accessible, efficient, and secure financial services at their fingertips.


How Can I Get My Canara Bank MMID Number?

You can request MMID Canara Bank by sending a SMS after typing CANGEMMID and type the user ID and MPIN and send it to 5607060. Upon sending such request, a customer will be able to receive the MMID code, which can be used to send and receive money from another person who holds a bank account.

What Is The Meaning Of MMID In Canara Bank?

Mobile Money Identifier (MMID) is a unique seven-digit number issued by banks to customers who use mobile banking services. It is used in conjunction with a mobile number to facilitate transactions through the Immediate Payment Service (IMPS) offered by the National Payments Corporation of India (NPCI).

What Is 7 Digit MMID Code?

MMID, an abbreviation for Mobile Money Identifier, is a 7-digit code issued by banks to their customers for seamless access to mobile banking services. This unique identifier allows individuals to perform secure and convenient transactions through their mobile devices.

What Is MMID And Mpin?

One must always remember the difference between MPIN and MMID. The need for MMID is concerned with the fund transfer process through mobile banking, whereas, MPIN is required to transfer money via mobile phones.

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