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M-banking has become one of the most familiar banking service providing technologies in different western countries. Now-a-days billions of inhabitants of Bangladesh are within a network through mobile network coverage. But in the commercial sectors like banking, m-commerce technology has not been adopted broadly yet. Considering m-commerce perspective in Bangladesh a SMS based m-banking system has been proposed which is able to provide several essential banking services only sending SMS to bank server from any remote location. This proposed system is divided into five major phases: interfacing module, SMS technology adoption module, SMS banking registration module, service generation module, and data failover module. This system facilitates bank customers by providing four major services like balance enquiry , balance transfer between authenticated customers, DPS payment and bill payment without going to bank physically and save their precious time. At least, after evaluating each module of this developed system a satisfactory accuracy rate 93.18 % is obtained.