lundi 21 novembre 2016

The Complete Guide - MCB Juice and Paypal


1. MCB Juice Application - Installation / Setup

Here is the article I posted previously which can help you get started on setting up the juice application on your smartphone

2. Link your MCB Juice Account to PayPal (existing account)

This part is pretty straightforward.

/!\ Before you continue, you should know that linking your existing PayPal account will not get you the $5 Bonus that MCB is offering !!! So it would be better to create a new account!! This is detailed at the bottom of the article. /!\

- Open your Juice app

- Tap the PayPal Icon

- Tap the Manage/Create Paypal Account

- Enter your Email address and then tap on "Submit"

- Your account will then be confirmed and you can proceed to using it.

- That's all ! You are done, you can then proceed to deposit funds on your account.

3. Deposit funds on Mauritius PayPal Account

Top-Up is the MCB Juice function to deposit funds on your account.

- From the main menu, tap the PayPal icon again, and proceed to tap the option for "Top Up my Paypal Account"

A menu like the one on the left should appear.

Just choose your source account, enter the transaction amount.

And for details, just add a narrative.

Note: A narrative is just a description of what was the transaction for.
Good for your own records to know what you did of your money.

- Next you will be asked to confirm your transaction

If everything looks good, you can proceed by tapping on the black "Confirm" button, else go back and change it.

- You will then be asked to proceed by entering your secret mPIN.

- Next you will get a report of the transaction.

All looks good!

- Checking my transactions via the application itself

Everything looks good!

Wait, let's check if the maths is correct.
Scroll down ! :)

4. Paypal Juice Deposit (Top-Up) - Charges and Rates

The charges are calculated from the time of transaction MCB Forex rates.
The URL is here 
It is always on the selling price of the dollar.
At the time of writing selling price was at Rs. 36.87

So let's check how much we are charged:

Amount Deposited: $5
Forex rate: Rs. 36.87 per dollar
Amount to be charged: $5 x 36.87 = Rs. 184.35
MCB Fees : 2% of transaction amount = (2/100) x 184.35 =   Rs. 3.687

So! this is on par with the above screenshot.

MCB is charging the exact amount it is saying it does.
(No one's stealing from us :) 

5. Creating a new PayPal account on MCB Juice

Creating a new paypal account is not very straightforward. Mostly for the verification part.
I will guide you through it.

- From the main menu as usual, tap on the "Paypal" icon, and proceed to the next screen.

Tap " Manage/Create Paypal Account"

Go to Create/Link Paypal Account to Juice

Type your email address and tap on "Submit" or "Continue"

You will then receive a verification code on your mobile phone number.

Confirm your details. (Automatic)

Click on confirm when you are done.

If incorrect, use the Update button to edit your details.

You have to share your account details to continue.

Just "confirm"

You will be asked to instantly confirm your PayPal account by credit card.

If you do have one already, go ahead.

Don't have credit card? Click on No

I did it without credit card, so the application sends me to the paypal site. 

Just enter a new password for your PayPal account and then proceed.

"Confirm and create account"


Choose account from where money will be withdrawn.

Tap continue.

You would think you are done. But no there's more !
You only created a PayPal account.

Now proceed to Part 6 :Verifying and Authorizing your PayPal Account...

6. Verifying and Authorizing your PayPal Account On MCB Juice

Again, create/ link paypal account to juice,

Select your account and continue.

Proceed to next step.

This part is where you authorize MCB to transfer funds to and from your paypal account

Select your PayPal password and then tap "Authorize"


You're done.

Someone from MCB should call you to confirm everything.

Then you can start using PayPal on MCB Juice.

7. Unlink your Paypal account on MCB Juice

Simply tap the "Unlink from Juice option"

You will get a prompt that your

"Unlink request has been processed, you will be contacted shortly"

I got contacted the next day by an MCB agent. (I unlinked on Sunday).

The person will confirm with you the unlink request.

You will be asked for your Full Name, Address, Phone number and email that you are unlinking.

Have fun !

dimanche 20 novembre 2016

Creating MCB Juice account without User ID

MCB Juice Application 

MCB Juice User ID

The MCB Juice application can be downloaded from 

1. The Google Play Store  (If using an android smartphone) OR
MCB Juice User ID
2. The Apple App Store (If using an iphone)
MCB Juice User ID

You can find it by typing "Juicebymcb" or "mcb juice"

MCB Juice User ID

MCB Juice user ID is the identifier that MCB provided you when you created your MCB online banking account.

If you have the User ID (6-digits) and password that you got from them, then you can sign in from the MCB juice application directly.

If like me you lost your User ID or forgot your password. Then you can create your MCB Juice account by using your Debit Card or Credit Card account details.

MCB Juice Registration 

Just follow our guide to get your MCB Juice account up and running in less than 5 minutes.
You will need:

1. Your smartphone (of course ! :) )
2. The MCB Juice application installed on your smartphone.
3. Your Credit or Debit Card at hand
4. Your NID (National Identity Card) at hand

Step 1: Open the MCB Juice application

MCB Juice User ID
You should see this screen
Proceed to tapping on the "Create Juice Account button"

Step 2: Create MCB Juice Account

MCB Juice User ID
Select either via Debit Card Details or via Credit card Details.

Your Debit Card is just the standard card that MCB provides to deposit and get cash from the ATM.

Your Credit Card, is uh! well your credit card that you are paying additional yearly fees for.

Both methods are basically the SAME.

Step 3: Via Debit/Credit card details

MCB Juice User ID
1. Card Number : the 16-digit numbers that are on your card.

2. Expiry Date: EXP END: On your card

3. PIN: Your secret PIN code that you use everyday to get cash from ATMs. (Note: This is not the same as the mPIN)

4. NIC/Passport: Your NIC Card number (14 -Characters). 
This is usually 1 Letter followed by 13 digits. 

5. After entering everything. Just proceed and tap on the register button!

Step 4: Register MCB Juice Account

MCB Juice User ID

Almost done ! This is the Welcome Screen of MCB.

Proceed on tapping on "Continue"

Step 5: Confirm Mobile Number

MCB Juice User ID

1. The application should have automatically captured your mobile number.

2. If it did not, type it manually. 
Don't forget the 5 ! (Doesn't need to contain +230)

3. Tap on "Confirm" after you finished

Step 6: MCB Juice Activation

MCB Juice User ID
This part will prompt the MCB SMS server to send you an SMS containing a code.

I have SMS previewing, so i can drop down find the code without leaving the MCB Juice application.

If it's not the case, simply open your newly received SMS and then switch back to the MCB Juice application to enter the 6-Digit code.

Finally, Tap on Continue.

If you were too slow to enter, you can still "Resend Code" to get another SMS.

Step 7: Enter your mPIN and Confirm your mPIN

MCB Juice User ID
You will then be asked to enter your mPIN.

The mPIN is a 4 digit number that you can choose to do ALL transactions on the MCB Juice Application.

Step 8: You're DONE!

MCB Juice User ID

I created this guide as people asked me this question.
I hope this will help a lot more people ! :)

For an overview of Paypal in Mauritius, click on this link
MCB Juice hotline: 2025010

mardi 15 novembre 2016

Quick Overview - Mauritius- Paypal on MCB (New MCB Juice Feature)


Paypal and MCB : A Brief History

We have been using paypal to buy from ebay amongst other sites for quite a long time. For those who were, we were making use of our credit cards! MCB did not support paypal before.

So we were forced to link our credit cards to our PayPal account, so for each transaction, our credit card would be charged a particular amount.

1. MCB Juice : What's new then?

MCB (Mauritius Commercial Bank) now natively supports PayPal.

2. MCB + Juice + Paypal 

- No more credit card needed. 
We don't need credit cards now to use paypal. So you can throw it away (provided you were using it only for paypal!)

3. Getting Started

Paypal MCB Juice Mauritius

Well, you can do everything directly from your MCB account now (already seeing some SBM customers rushing to MCB just for that feature)

All you need now is:
1. An MCB account (Savings or whatever)
2. A Juice account - for making transactions
3. A PayPal account - to be linked to your mcb account

3. Benefits of using your MCB account from PayPal 

- Credit card rate: 

No more of that per annum rate to pay pay for the credit card (think it was 2.5%) and whatever credit card fees do not apply

- Expenses:

 You can now instantly see how much has been deducted from the card for refilling your account (Normally credit cards doesn't give immediate bank balance updates, your balance and bank statement is updated every 3 days)

- Paypal Balance:

Paypal MCB Juice Mauritius
You now have a paypal balance (It used to be zero all the time and piss me off) - it's cleaner now i guess :)

- Withdrawal and Selling on PayPal : 

You can now withdraw money from your paypal account directly to your MCB account and start using the money right away! You can become a seller on ebay, sell things and receive money on your account directly.

4. The fine print

- Top Up and Send money to another Paypal user - Charges - 2% of transaction amount

- Withdraw funds from paypal to MCB bank account - Charges - 1.5% (minimum amount Rs.100)
Thats like Rs.1.50 for each Rs.100 you withdraw

5. Already have a PayPal account ? Link it with MCB Juice !

Paypal MCB Juice Mauritius

Just link your account to PayPal via the MCB juice application and start spending like crazy (I'm sorry, start buying stuff) 

6. Don't have PayPal account? 

Better yet!
MCB offers a $5 free opening balance for each new paypal account. So you're in luck!

Create your Paypal account via MCB juice application on android or IOS.

7. Don't have MCB juice?

Download it from the Play store (Android) or Apple Store (IOS/Iphone).

That's all folks!
Enjoy PayPal native support in Mauritius! (Long overdue)