Mobile devices are becoming more important in daily lives and they also have gained increasing acceptance in banking services, for example Short Messaging Service (SMS)-based m-banking system. In this particular system, an SMS receipt will be delivered to users for any transactions done. Though we could gain many benefits out of it, SMS is considered as informal receipt for banking services which could not be used as reference in nowadays formal businesses or transactions. Therefore, this paper proposes a Multimedia Messaging Services (MMS)-based receipt system for m-banking that produces transaction receipt in PDF document and sends it to users via MMS. © 2010 IEEE.