mBanking Telkomsel is a free Android application developed by Telkomsel that provides a convenient way for customers to access their bank account from their mobile phones. To use this application, users need to ensure that their Telkomsel number is already registered with SMS Banking in the bank that has partnered with Telkomsel. With mBanking Telkomsel, users can access more than one bank and perform transactions anytime and anywhere.

The application offers several features such as bank transactions, merchant transactions, program promos, and the nearest ATM. Users can perform bank transactions such as balance inquiries, account mutations, and bank transfers for more than one bank that has active SMS Banking. Additionally, Telkomsel users can make payments and purchase products from merchants that have partnered with banks, such as credit recharge, electricity payment, and PDAM payment. Through the program promo feature, users can receive the latest information and promotions from merchants, banks, and Telkomsel, which can provide many benefits. Lastly, users can easily find the nearest ATM location through the Nearby ATM feature in the mBanking Telkomsel app, using the GPS feature on their smartphone that detects their location.