# BNI Online Debit

Accidentally I signed up for a BNI account. It was out of necessity to pay for my son’s passport. As a bonus, BNI provides a way for its customers to use their Debit cards online. The cool thing is, they don’t have to input their card number online.

In order to transact online, you’d need to request for a Virtual Card Number (VCN) through SMS Banking. Hence you need to enroll for the SMS Banking service.

On my iPhone I installed BNI SMS Banking app. It contains shortcuts so you don’t have to remember all the commands through an easy UI. To get a VCN, you’d need to do the followings:

1. Tap e-Commerce
2. Tap e-Payment
3. Type in the maximal value of Rp you want VCN to have
4. Tap Proses
5. Send the SMS