Customers criticise J&K Bank’s outdated mPay app, frequent service shutdowns

Srinagar: Jammu and Kashmir Bank customers are voicing growing anger over the bank’s repeated suspension of digital services, saying it disrupts daily transactions and highlights the bank’s poor tech infrastructure.

The bank frequently notifies account holders that internet and mobile banking will be unavailable for hours due to “maintenance activity.” While periodic upgrades are standard, customers say J&K Bank’s frequent and often last-minute service outages have become a running joke.

Social media and local forums are flooded with sarcastic posts accusing the bank of masking inefficiency under the label of “maintenance.” Some have compared the shutdowns to power cuts, remarking that “J&K Bank’s mPay app rests more than its users.”

The bank’s mPay app has also faced sharp criticism for slow speed, frequent glitches, freezing during transactions, delayed balance updates, and failed payments during peak hours. Users report failed bill payments, delayed transfers, and repeated log-in issues, eroding trust in the bank’s ability to deliver reliable digital services in a fast-paced financial environment.

In an era of instant payments and 24/7 banking, customers say such persistent downtime and outdated platforms put J&K Bank at a competitive disadvantage, especially as rival banks in the region upgrade their systems.

Frustrated users have called on the Reserve Bank of India to step in, labelling the disruptions “unacceptably frequent,” and have demanded a complete revamp of the mPay app to deliver a faster, modern, and user-friendly experience that meets national standards.