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Royal Smart is Royal Saving Cooperative Ltd's Official Mobile Banking App. Enjoy easy banking from your hand held devices, from anywhere anytime. Manage and use your Bank Account on the move and around the clock with this secure Mobile Banking App from Royal Saving Cooperative Ltd. This App will be regularly updated with additional new features. Key Features: - Banking On the Go - Bill Payments Made Easier -Top Up Made Easier -Fund Transfers Made Easier -QR Code: Scan and Pay -Instant Online and Retail Payment with Fonepay Network -Accessing your Account Informations Made Easier -User Friendly, Safe and Secure -And Many More Exciting Features Royal Smart helps protect your information by using 128-bit SSL encryption when you are logged on. To be able to use this App, you first need to have a valid account maintained at Royal Saving Cooperative Ltd, and you need to subscribe to the Royal Saving Cooperative Ltd's Mobile Banking Service. Banking has never been this simple and easier before. Enjoy Banking Without visiting your branch. Royal Smart is a Member of Fonepay Network. Smart Banking for Smart People.