Mobile App User Guide - Business Users

Welcome to the Cayman National Business Mobile App User Guide.

Here, you’ll learn how to perform your everyday online banking transactions, saving you time and allowing you to control your bank accounts anytime, from anywhere.

Select the Cayman National Mobile App on your mobile device, downloaded from the App Store for iPhone users or Google Play Store for Android users

To log in, please enter your ‘Username’, then select continue
You’ll then be prompted to enter ‘Password’

*Please note that you may be provided with one-time passwords (OTPs) via SMS to enter where necessary in order to access your online profile.

Once logged in, you’ll find the dashboard page which provides you with an overview of your portfolio, including your deposit accounts, loans, fixed deposits, and debit and credit cards. You have the ability to change the order of this information to suit your preference.

Overview

Below is an outline of the various users within the Cayman National Online Business platform. Each user has permission and control access to certain functions based on the roles that are assigned to the user.

Super Master User – This profile allows the user to:
- Create and manage the business user profiles,
- Assign accounts, transaction types and daily limits to business users.
- Create or manage ‘Authorisation Matrices’ (confirm Fluid name)
- Manage Business Users Devices
- View Online Activity of business users
Master User – allows you the same functionality as above but requires approval from another Master User, for organisations that require dual control.
Makers - This profile allows the users to initiate transactions from assigned accounts, for specified transaction types within allowed daily limits.
Authorisers (formerly referred to as Checkers) - This profile allows the user to authorise transactions from assigned accounts, for specified transaction types within allowed daily limits.
Manda – This profile allows the user to initiate and authorise transactions from assigned accounts, for specified transaction types within allowed daily limits.

Authorisation Steps

To authorise transactions from the mobile app, follow the steps below:

Individual Transaction Authorisation

Press ‘Transfers’ on the menu list, select the ‘Pending Transactions’ option below the horizontal scroll presented.
Select the pending transaction from the list that you would like to approve.
Review the details of the transaction and approve by selecting the check mark icon at the top right hand corner. To reject the transaction, select the circle icon with the diagonal line across.
Enter your one-time password (OTP), which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, in order for you to confirm and complete the transaction.

Bulk Transaction Authorisation

Press ‘Transfers’ on the menu list, select the ‘Pending Transactions’ option below the horizontal scroll presented.
Expand the pending transactions list by selecting the four outward arrows icon located to the right of the date.
Review the details of the transactions and select the transactions you want to approve/reject.
Select approve or reject button at the bottom of the screen.
Enter your one-time password (OTP), which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, in order for you to confirm and complete the transaction.

Transfer Between Own Accounts Steps

To transfer funds between your own Cayman National accounts from the mobile app, follow the steps below:

Press ‘Transfers’ on the menu list, select the ‘Transfer Between Own Accounts’ payment type from the horizontal scroll presented.
From the ‘From Account’ dropdown list, select the account you would like to transfer funds from.
Next, from the ‘To Account’ dropdown list, choose the account you would like to transfer funds to, then enter the transfer amount in the ‘Amount’ field.
Then, choose the current date or select a future date that you would like the transfer to be processed.
- Please note you have the option to make a ‘Recurring Transfer’. Select ‘Recurring' for multiple payments, then choose the start date, the frequency, and the end date of your repeated payments.
Enter appropriate ‘Beneficiary Comments’ using no special characters (@, #, $, %, &, *, etc.)
Then click the ‘Submit’ button to review the full details of your payment. Once you have verified the information, please click ‘Confirm’ to complete the transaction.
You can also download or email a ‘Cyber Receipt’ of the transaction for your records.

Third Party Transfer Within Bank Steps

To transfer funds to other Cayman National accounts via mobile app, follow the steps below:

Press ‘Transfers’ on the menu list, select the ‘Third Party Transfer Within Bank’ from the horizontal scroll presented.
From the ‘From Account’ dropdown list, select the account you would like to transfer funds from.
Next, you have an option to select a predefined beneficiary or manually enter a one-time beneficiary.
Then enter the transfer amount and select the currency next to ‘Amount’.
Then choose the current date or select a future date that you would like the transfer to be processed.
- Please note you have the option to make a ‘Recurring Transfer’. Select ' Recurring' for multiple payments, then choose the start date, the frequency, and the end date of your repeated payments.
Enter appropriate ‘Beneficiary Comments’ using no special characters (@, #, $, %, &, *, etc.)
Press the ‘Submit’ button, then you’ll be provided with an overview of your transaction information for you to verify before completing the transaction.
After verifying, press the ‘Confirm’ button below.
You can also download or email a ‘Cyber Receipt’ of the transaction for your records.

Electronic Funds Transfer Steps

To send your funds between Banks within the Cayman Islands securely by using our Electronic Funds Transfer (EFT) feature on the mobile app, follow the steps below:

Press ‘Transfers’ on the menu list, select the ‘Electronic Funds Transfer’ from the horizontal scroll presented.
From the ‘From Account’ dropdown list, select the account you would like to transfer funds from.
Next, you have an option to select a predefined beneficiary or manually enter a one-time beneficiary. If manually entering a one-time beneficiary, select the ‘Beneficiary Bank’, then insert the ‘Beneficiary Account No.’, then select the ‘Beneficiary Account Type’, and type in the ‘Beneficiary Name’.
Then enter the transfer amount and select the currency next to ‘Amount’.
Then choose the current date or select a future date that you would like the transfer to be processed.
- Please note you have the option to make a ‘Recurring Transfer’. Select ‘Recurring’ for multiple payments, then choose the start date, the frequency, and the end date of your repeated payments.
Enter appropriate ‘Beneficiary Comments’ using no special characters (@, #, $, %, &, *, etc.) - Next, click ‘Submit’ to review the full details of your payment.
- Please note that you may be asked to enter a one-time password (OTP) if approval isn’t required, which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, in order for you to complete the EFT transaction.
Once you have verified the information and entered the OTP, click ‘Confirm’ to complete the transaction or authorize the transaction via your registered device.
Your final step is to press ‘Confirm’.
If you’re a maker, a one-time password (OTP) will not be required, the transaction will be sent to the authoriser for approval.
Once the transaction have been confirmed and approved by the authoriser, you can download or email a ‘Cyber Receipt’ of the transaction for your records.

International Wire Transfer Steps

To send funds to a bank account outside of the Cayman Islands securely with our International Wire Transfer option on the mobile app, follow the steps below:

Press ‘Transfers’ on the menu list, select the ‘International Wire Transfer’ from the horizontal scroll presented.
From the ‘From Account’ dropdown list, select the account you would like to transfer funds from.
Next, you have an option to select a predefined beneficiary or manually enter a one-time beneficiary. If manually entering a one-time beneficiary, please enter the ‘Beneficiary’s Account No.’ and ‘Beneficiary’s Name’, enter the ‘Beneficiary’s Address’ in Line 1 and 2, and select the ‘Beneficiary’s Country’.
Next select the ‘Beneficiaries Bank Routing Type’. There are six options available, if any of the options other than ‘SWIFT’ are selected, the details must be entered manually. However, if ‘SWIFT’ is selected, you have the option to manually enter the ‘Routing Type’ or use the ‘Advance’ search function to search by ‘Swift Code’, ‘Bank Name’ or ‘Bank Country’. Note: All SWIFT codes are 11 digits. If the code you are entering is 8 digits, then prefill the last 3 characters with XXX to locate the desired bank.
Next, enter the transfer amount and select the currency next to ‘Amount’.
Enter appropriate ‘Beneficiary Comments’ using no special characters (@, #, $, %, &, *, etc.) - In the ‘Purpose of Payment’ field, please provide a valid reason for this payment.
*IMPORTANT: Please note that an intermediary bank is required when you are sending any currency other than the local currency of the destination country. For example, when sending Canadian dollars (CAD) to the United States, as Canadian dollars (CAD) is not the local currency, payment must be forwarded to a Canadian intermediary bank before going to the destination country (US).
Press the checkbox next to ‘Intermediary Bank’ if you are required to enter those details.
If ‘SWIFT’ is chosen from the dropdown list next to ‘Intermediary Bank Routing Type’ please enter the ‘Intermediary Bank Routing Number’. If any other option is selected, please enter the required details.
Next, choose who will incur the charges by selecting ‘Beneficiary’ or ‘Ours’. Selecting ‘Beneficiary’ means that the recipient will incur the charges, selecting ‘Ours’ means that you will incur the charges.
Next, press ‘Submit’ to review the full details of your payment.
- Please note that you may be asked to enter a one-time password (OTP) if approval isn’t required, which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, in order for you to complete the International Wire Transfer transaction.
Once you have verified the information and entered the OTP, press ‘Confirm’ to complete the transaction or authorise the transaction via your registered device.
If you’re a maker, a one-time password (OTP) will not be required, the transaction will be sent to the authoriser for approval.
Please note that you will have an option to save this transaction as a template for future use.
Once the transaction have been confirmed and approved by the authoriser, you can download or email a ‘Cyber Receipt’ of the transaction for your records.

Bill Payment Steps

To pay your bills on the mobile, follow the steps below:

Press ‘Transfers’ on the menu list and select ‘Bill Payment’ on the horizontal scroll presented
Then, next to ‘Account/Credit Card’ select an account or credit card that you would like to use to pay this bill.
Next, you select the ‘Biller’ from the dropdown list or search for the biller’s name using the search option.
Once the ‘Biller’ is selected, enter the amount you would like to pay next to ‘Amount’.
Then choose the current date or select a future date that you would like the transfer to be processed.
- Please note you have the option to make a ‘Recurring Transfer’. Select 'Recurring Transfer' for multiple payments, then choose the start date, the frequency, and the end date of your repeated payments.
In the ‘Consumer Account Number’ field, enter the description that the ‘Biller’ can indicate what the payment is for such as invoice number, or name, or other details specific to your payment.
Next, press ‘Submit’ to review the full details of your payment.
- Please note that you may be asked to enter a one-time password (OTP) if approval isn’t required, which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, in order for you to complete the Bill Payment transaction.
Once you have verified the information and entered the OTP, press ‘Confirm’ to complete the transaction or authorise the transaction via your registered device.
Your final step is to press ‘Confirm’.
If you’re a maker, a one-time password (OTP) will not be required, the transaction will be sent to the authoriser for approval.
Please note that you will have an option to save this transaction as a template for future use.
Once the transaction have been confirmed and approved by the authoriser, you can download or email a ‘Cyber Receipt’ of the transaction for your records.

Own Credit Card Payment Steps

To complete an Own Credit Card Payment online, follow the steps below:

Press ‘Transfers’ on the menu list and select ‘Card Payments’ from the horizontal scroll presented.
Then, choose the ‘Own Credit Card’ option.
From the ‘From Account’ dropdown list, select the account you would like to make the payment from.
Then, from the ‘Credit Card’ dropdown list, select the credit card which you would like to make the payment to.
Once selected, you can enter the amount you would like to pay manually or you can choose from the two options: ‘Latest Statement’ and ‘Outstanding’ to have the amount auto-populated on the amount field. Choose ‘Latest Statement’ to pay the amount of the latest statement. Choose ‘Outstanding’ to pay the full outstanding balance due on the credit card.
Then press the ‘Submit’ button to review the full details of your payment. Once you have verified the information, please click ‘Confirm’ to complete the transaction.
If you’re a maker, the transaction will be sent to the authoriser for approval.
Once the transaction have been confirmed and approved by the authoriser, you can download or email a ‘Cyber Receipt’ of the transaction for your records.

Third Party Credit Card Payment Steps

To complete a Third Party Credit Card Payment on the mobile, follow the steps below:

Press ‘Transfers’ on the menu list and select ‘Card Payments’ from the horizontal scroll presented.
Then, choose the ‘Third Party Credit Card’ option.
From the ‘From Account’ dropdown list, select the account you would like to make the payment from.
Next, enter the ‘Beneficiary’s Credit Card’ number which you would like to make the payment to.
Then enter the amount that you would like to pay to the credit card next to ‘Amount’.
Next, press ‘Submit’ to review the full details of your payment.
- Please note that you may be asked to enter a one-time password (OTP) if approval isn’t required, which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, in order for you to complete the Third Party Credit Card transaction.
Once you have verified the information and entered the OTP, press ‘Confirm’ to complete the transaction or authorise the transaction via your registered device.
If you’re a maker, a one-time password (OTP) will not be required, the transaction will be sent to the authoriser for approval.
Once the transaction have been confirmed and approved by the authoriser, you can download or email a ‘Cyber Receipt’ of the transaction for your records.

Cash Advance Steps – Credit Card

To complete a Cash Advance from your credit card online, follow the steps below:

Press ‘Transfers’ on the menu list and select ‘Card Payments’ from the horizontal scroll presented.
Then, choose the ‘Cash Advance’ option.
Then, from the ‘Credit Card’ dropdown list, select the credit card that you would like to make the cash advance from.
Next, select the account which you would like to credit.
Then, enter the USD amount for the cash advance. Please note that you can request a cash advance up to the available amount on the credit card.
Next, press ‘Submit’ to review the full details of your payment.
- Please note that you may be asked to enter a one-time password (OTP) if approval isn’t required, which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, for you to complete the Cash Advance transaction.
Once you have verified the information and entered the OTP, press ‘Confirm’ to complete the transaction or authorise the transaction via your registered device.
If you’re a maker, a one-time password (OTP) will not be required, the transaction will be sent to the authoriser for approval.
Once the transaction have been confirmed and approved by the authoriser, you can download or email a ‘Cyber Receipt’ of the transaction for your records.

Create Fixed Deposit Steps

To create a Fixed Deposit online, follow the steps below:

Select ‘My Accounts’ then select ‘View all my accounts’.
Select the plus (+) icon and choose ‘Create Fixed Deposit’.
Select the account that you would like to debit funds from for the fixed deposit.
From the dropdown list next to ‘Term’, select the term that you would like the fixed deposit to mature at.
You will be presented with the terms that the Bank has on offer for you.
Once you have agreed to the terms, enter the amount which you would like to use to create the Fixed Deposit.
Please note the minimum amount is dependent on the term selected.
Next, select your preference for actions ‘At Maturity’ by choosing an option from the dropdown list. The options presented are:
‘Roll Over Principal and Interest’, ‘Repay Interest Only’, or ‘Repay Principal and Interest’
Next, click ‘Submit’ in order to review the full details of your transaction.
- Please note that you may be asked to enter a one-time password (OTP), if approval isn’t required, which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device, for you to complete the creation of the Fixed Deposit.
Once you have verified the information and entered the OTP, select ‘Confirm’ to complete the transaction.
If you’re a maker, a one-time password (OTP) will not be required, the transaction will be sent to the authoriser for approval.
- Please note that if you would like to view your Fixed Deposit in your online portfolio, please submit a request to the Bank via a secure message in online banking.
Once the transaction have been confirmed and approved by the authoriser, you can download or email a ‘Cyber Receipt’ of the transaction for your records.

Manage Devices Steps

To use the ‘Manage Device’ feature, you will need to have a device registered. This may be an Android or iOS device. To manage your device, follow the steps below:

Login using your device (mobile phone or tablet), then click on your ‘User’ profile button.
Then click on ‘Manage my Devices’ where you’ll be given the option to ‘Register current device’.
Once clicked, you’ll be presented with feature enhancement information. Ensure that ‘Push Notification’ and ‘Authorisation Transaction’ are selected. Then select preferred biometric option of ‘Fingerprint’ or ‘Facial Recognition’ and ‘PIN’, or ‘only PIN’.
Enter your 4-digit pin and repeat the entry in the appropriate box before clicking ‘Submit’.
You will then be provided with a one-time password (OTP) to confirm the selections.
Once confirmed, your device is successfully registered.
You can also modify the name for each device registered for ease of reference, and add your preferred photo to identify the profile.

To login using the desktop once you’ve registered your device, enter your ‘Username’ and ‘Password’ and click ‘Login’.

You will be prompted with a message that you will receive an ‘Authorisation Notification’ to your device. Click ‘Continue’ to receive the push notification.
Once the push notification is received on the device, clicking on it will take you to the app login screen which will prompt you for your chosen biometric method or PIN.
On successful authentication you will be presented with a transaction to complete your login. Click the ‘blue check/confirmation button’. Then click ‘Yes ’on the approval message.
Once clicked, your web browser login process will complete.
Registering your device is strongly recommended as it reduces dependence on SMS OTPs as well as providing an extra layer of security for optimum protection.
If you would like to unregister your device, you could do so either in the ‘Manage Devices’ in the online application or the ‘Manage my Devices’ in the mobile app.

Alert Delivery Settings and Alert Set Up Steps

Set up alerts for your online banking and mobile app experience to allow you to receive alerts for account balances, card activity and more.

Pressing the ‘Profile’ icon and select ‘Alert Delivery Settings’.
You are presented with options for ‘SMS’, ‘Push Notifications’ and ‘Email’ for your preferred method to receive alerts. The push notification option, it will show your registered devices.
Please note that some alerts are only possible through specific methods. To receive all alert types, enter the information for each. (This information is separate from your current banking details stored in the file.)
Click the ‘Save’ button
Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device for you to the alert delivery settings.

To manage what alerts you receive, press the ‘Profile’ icon and select ‘Alert Setup’

In here you will be able to confirm your preferred delivery setting per type of transaction as well as for specific account alerts to keep you on top of your finances.
Simply select the button next to the transaction you would like to receive alerts for, then select your preferred method.
Once you have configured your alerts to your preference, click ‘Done’.
You will be prompted with a confirmation screen to review your setting changes. Next, press ‘Submit’ then ‘Confirm’ to receive a confirmation notification to your device.
- Please note that you may be asked to enter a one-time password (OTP) which is sent to you via SMS; or if you have a registered device, you may be asked to authorise the transaction via a push notification sent to your registered device for you to.
You can then view all of your preferred alerts by pressing the ‘Profile’ icon and selecting ‘My Alerts’.
Please note that if you need to disable your notification for any reason, you can do so by clicking the ‘Disable all my alerts’ checkbox.

Online Activity Steps

To view your online activity, press your ‘Profile’ icon on the top right corner of your screen.
Next, select the Online Activity icon (middle icon) to review your online activity.
Here, you’re able to see all of your online activity including transactions, logins and more.
You can also click on the ‘Show Filters’ button to search for specific activity based on date, type of transaction and even transactions to a specific beneficiary.
Once you’ve entered your search criteria, press ‘Apply Filter’ to be presented with the relevant results.