April 26, 2023

Your Guide to Link Mobile Number with Bank Account: Physical and Gigital Means

Summary:

_Linking your mobile number with your bank account is a vital step in today's digital banking landscape. It not only provides you with real-time transaction alerts but also adds an extra layer of security to your financial dealings. _
We are living in a very digitally driven world today. Literally everything is online and that includes your banks, your accounts and therefore your personal data. While online is easy, it has led to concerns associated with security. Several initiatives have been undertaken to ensure people safety, data security and convenience.
With smartphones in every individual’s hand and banks building a solid online presence, banking is now one click away. While transactions are being simplified and sophisticated, they also need to be bullet-proof. Hence, it has become very important to link your mobile number with your bank account. It is a simple process that allows you to receive real-time alerts, transaction notifications, and enhances the overall security of your financial transactions.
In this blog, we will take you through the simple steps to link your mobile number with your bank account.

7-step approach

  • Visit your bank branch with a valid photo ID, a photocopy of the ID, and a recent passport-sized photograph. Request a mobile number update form from the bank's customer service or help desk.
  • Fill the mobile number update form with valid information
  • Attach the self-attested photocopy of your photo ID and a passport-sized photo. Carry original documents as well.
  • Submit the form and the documents and wait for the bank representative to give you an acknowledgment slip for reference.
  • Next will be the verification process which will include the validation of your KYC details to check whether the mobile number you have provided matches.
  • You will then receive a confirmation message on the linked/updated mobile number.
  • Now you can set up mobile banking services easily by downloading the official app of the bank.

Offline and online methods

There are two ways in which you can link your mobile number to your bank account, via internet or by visiting the ATM nearby. Let’s understand the steps for each –
Internet/mobile bankingBank ATM
Log into your mobile banking accountVisit the nearest ATM kiosk
Go to the ‘My Account’ or ‘My Profile’ tabInsert your ATM/debit card and enter the PIN
Under ‘My Account’ you will find the ‘contact number tab’. If you have multiple accounts choose the desired one to link your numberTap on the main menu and select the ‘Register Mobile Number’ option
After this, you will have to go through one last authentication step. This varies from bank to bank.Enter your 10-digit mobile number you wish to link
You will be redirected to a new tab providing you two options, either add a mobile number or change/update existing oneNow you will receive an OTP which you have to enter
Make your choice and enter the mobile numberClick ‘confirm’ to complete the linking process
The page will prompt you to confirm the entered number on a separate tab
Click on ‘Submit Request’
Your bank will then send you an OTP, enter this OPT and click on ‘Submit’
Within 1-2 days, your mobile number will be linked to your bank account
Both methods are equally useful, you just need to understand what is more suitable for you. If you have access to the internet banking facility of your bank along with excellent bandwidth, the easiest choice is to link online, anytime anywhere. However, for the boomers among us who find online tedious can simply go to the respective bank’s ATM and link their number within a couple of minutes.

Ready to enjoy the benefits?

There are multiple advantages of linking your phone number with your bank account. These include –
  • Enhanced security with instant notifications regarding transactions, account activities, and balance updates
  • Two-factor authentication (2FA) adds an extra layer of security
  • Real-time alerts on your phone for every transaction made, notifying you of any suspicious activities
  • Easy account recovery, quick customer support, mobile banking and SMS banking
  • Discount alerts, special offers, promotions and new products/services
  • Mobile wallet integration makes digital payments and transactions easier
  • Linking your number lets you receive e-statements

Key points to remember

We saw that no matter what method you choose, linking your mobile number with your bank account is no rocket science. It is a totally achievable and to be honest fruitful task. However, your task does not end with these steps. You need to make sure that you update the contact information regularly, in case of any changes first and foremost reach out to your bank. This will maintain uninterrupted service as well as security of your account. Also, never share your banking OTP with anyone. In this digital age it is essential that you remain cautious about sharing any personal/financial data over the phone. Installing a reliable anti-malware or anti-virus software can further strengthen security of the data on your banking apps.

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