An electronic system providing banking services, comprises a server having a first interface for communication with user mobile telephony devices over a mobile telephone network; and a second interface for communication with an intermediary acting as a gateway to banking records of multiple banking organizations. The first interface is adapted to allow at least balance enquiry requests to be submitted to one of the multiple banking organizations by means of the intermediary and to provide at least balance enquiry replies for display on the user mobile telephony device. The invention provides the functions of the high street ATM using the mobile phone environment.