April 26, 2023

Punjab National Bank - (PNB) SMS Banking

  • You are on the edge of a step, 'be watchful buddy' says a passerby
    • You are reversing your car, you hear a beep, an alert, as the sensors mounted on the rear bumper sense objects in its path.
All of us have experienced these 'nudges' in our everyday lives, haven't we?
  • Let us say you have used your debit card for say e-commerce or at a PoS or for netbanking transactions. Wouldn't it be useful, if your bank sends you an SMS alert immediately after your debit card transaction?
  • Your monthly credit card payment is due, wouldn't it be useful, if your bank sends an SMS alert on the dues outstanding and the credit card balance available?
  • You are tempted to make an impulse purchase, you just want to view your account statement.

What if your bank sent your mini account via SMS alert?

  • You are in a zone where access to uninterrupted internet connection is a bit of a challenge. You are eager to know if your salary cheque has been credited to your account.
  • Wouldn't it be helpful if your bank sent you an SMS alert, letting you know about the details of the amount credited to your account?
  • You don't like the buzzing sound of SMS alerts and the urge to view them each time you receive one. Wouldn't you like to turn off the SMS alert facility as per your convenience?
  • You are so deeply involved in your routine life chores that you keep forgetting to change your online password as necessary practice to safeguard your account from potential cyber security hazards. Wouldn't a gentle reminder, SMS alert be helpful?
  • As a joint account holder, you want to take a quick look at the series of ' large ticket' impulse purchases made by your teenage child who is accessing your debit card frequently. Large ticket SMS alerts would allow you to correct the overspending behaviour before it is too late.
Welcome to SMS banking services, a channel which allows customers to avail a range of services by simply sending a text message from their registered mobile number.
From enquiring about your account balance to viewing your mini account statement to transferring funds to making cheque book requests and much more, SMS bank alerts give you real-time updates , a nudge, so that you know exactly what’s going on inside your bank account.
Consequently, you are in better control of your finances and can make informed financial decisions.
As a caveat, always ensure that the SMS alerts you receive on your registered mobile number are being communicated directly by your bank and your bank only.
In case of suspicion, get in touch with the customer care help desk at your bank's branch.
So basically, the advantages of the SMS banking channel are clearly evident, be it 247365 availability or its convenience or the ease with which one could use it.
However, if you say your phone gets lost/stolen, there is a risk of your account related sensitive data getting misused.

Are you now tempted to register for SMS banking?

Let us take an empirical example of Punjab National Bank ( PNB) SMS banking to understand the nuances of the process.
To begin with, get your mobile number registered at the nearest PNB Branch. Once this is done, all you have to do is send a SMS to 5607040 with the specified keyword.
You can access the SMS banking facility through PNB MobiEase which is an android app for PNB Bank.
Let us take a look at the keyword format to fulfil SMS based banking transactions.
  • Say for example: For Balance Enquiry, you need to type BAL space followed by your 16 digit account number.
BAL 161307XXXXXXXXXX
  • To Self-Transfer Funds
SLFTRF 161307XXXXXXXXXX
17261527XXXXXXXX 1800
  • Request for a mini statement
MINSTMT 161307XXXXXXXXXX
  • Enquiry for cheque status
CHQINQ 124325 161307XXXXXXXXXX
  • To stop payment of a cheque
STPCHQ 123451 161307XXXXXXXXXX
  • Request for a new cheque book
CHKBK 161307XXXXXXXXXX HYTEJQUEY 30
  • Change SMS password
CHNGPWD PASSWORD NEW SMS PASSWORD
So basically, you can avail these services by just typing the keywords in a predefined format ( as described above) snd simply send an SMS @ 5607040.

Frequently Asked Questions (FAQs):

Q. How can I transfer funds using PNB SMS Banking?

As an active account holder with PNB, you just need to type the keywords ( pre fixed format) send it to 5607040 to avail fund transfer facility
For example: Type the keyword, SLFTRF from account number to account number AMC.
You can also SMS “PNB PROD” to 5607040 to avail the list of services offered by the PNB SMS Banking.

Q. Is there a fund transfer limit via SMS ?

Yes, there is a maximum daily threshold limit of ₹5000/- for self transfer of funds via the SMS banking channel. In case of pension account, the threshold amount is ₹1000/-

Q. What are the charges for PNB SMS Alerts?

Customers with savings accounts with PNB are liable to pay SMS alerts service charge of ₹15 per quarter + service tax.
Other than savings accounts, the service charge for SMS alerts is ₹25 per quarter + service tax.
Student account, senior citizen account, mitra account, staff and ex-staff account, accounts under PMJDY and basic saving deposit accounts are exempted from the above charges.

Q. What is 'PNB sleep easy' ?.

If you're concerned about the security of your password, you can avail the ' PNB slèep easy' facility which essentially disables the net banking/mobile banking password when not in use.
Just send an SMS, BLOCK IBS to 92640 92640 or 5607040 for retail net banking users or BLOCK MBS to 92640 92640 or 5607040 for mobile banking users.
Subsequently, you could enable your password yet again with a single click.

Never miss a trading opportunity with Margin Trading Facility

Enjoy 2X leverage on over 900+ stocks

Upstox Margin Trading Facility
Apple Logo
Downloadlogo
iOS App
Google Play Logo
Downloadlogo
Android App

RELATED ARTICLES

What is IMPS - Full Form, Features, Limit, Charges, & Meaning

Launched in 2010, IMPS, Immediate Payment System was developed as yet another nuanced alternative to transfer funds interbank via payment gateways such as RTGS and NEFT, electronically, in real time, everytime and everywhere using multiple access channels such as mobile banking, netbanking, ATM, SMS and IVR. Backed by the NCPI ( National Payments Corporation of India, and under the overall purview of the RBI, IMPS payment gateway can be availed by those banks and PPIs (prepaid payment instrument issuers) which have a valid licence from the RBI. Currently 652 members live on the IMPS payment gateway which includes banks & PPIs. This channel is versatile, simple and quick as in addition to fund transfers, it can also be used to pay insurance premiums, utility bills, ticket charges, fees, online purchases etc.Hope by now, you have understood the basic concept. So basically, the core objectives of introducing an alternative payment gateway was to: Incentivise customers to use the [ mobile banking](https://upstox.com/banking/what-is-mobile-banking-in-india-meaning-features-login-and-registration/) channel to transmit funds. Infact, the mobile banking channel further democratised the pace of digital adoption of banking services due to wider reach of smartphones. sides, this payment gateway is relatively simpler, as you only require the mobile number of the beneficiary and the bank generates a unique 7 digit MMID code. Given the ease, speed, 247 availability, instant notification and safety of the transaction, it is no wonder that this channel has gained significant momentum especially over the last two years ( 2020-2022) with the number of monthly IMPS transactions rising from 248 million to 420 million.

How to do login Karur Vysya Bank (KVB) Netbanking?

Karur Vysya Bank ( KVB) is one of the oldest private sector banks in India. Established in 1916 and headquartered in Karur, Tamil Nadu, KVB has strong footprints in southern India with a branch network of 781 and an ATM network of 2251 ( as on June, 2021). With a total asset base of ₹116098, the bank provides a comprehensive portfolio of services, both offline and online to both retail ( Resident Indians, NRIs Hindu Undivided Families (HUFs) and corporate customers including Partnership firms.

Central Bank of India (CBI) Net Banking - Login, Registrations, & Online Banking

Founded in 1911, Central Bank of India is one of the oldest public sector bank in india with an asset base of ₹369,214.99 crore (FY2021). Headquartered in Mumbai, the bank has a strong domestic presence with ~ 4528 ( as on December 2021) branches spread across rural and semi-urban areas within India. As a public sector undertaking, the Government continues to remain the majority stakeholder with its share pegged at 93.08% (as on June 30, 2021.). Central Bank offers net banking services to all its registered customers through its web portal, https://www.centralbank.net.in It has an exhaustive portfolio of online services comprising: Check account Balance and Download account statement. Facility to generate customised account statements Tax payments Online application of [IPO](https://upstox.com/ipo-initial-public-offering) Online Aadhar registration Online payment of credit cards Multi utility fee collection E-Filing of ITR returns Transaction profile setting Term deposit account modelling & opening DeMAT enquiry Fund Transfer: Own account, within Bank, Other Bank through [NEFT](https://upstox.com/banking/what-is-neft-meaning-timings-full-form-charges-and-how-to-transfer-money/)/[RTGS](https://upstox.com/banking/what-is-rtgs-meaning-full-form-timings-charges-and-transfer-limit/)/[IMPS](https://upstox.com/banking/what-is-imps-meaning-full-form-charges-limits-and-how-to-transfer-money/) Hotlisting of [ATM Cards](https://upstox.com/banking/what-is-atm-card-how-to-use-an-atm-card-first-time-apply-online/) Online Locker request Registration for [PMJJBY](https://upstox.com/saving-schemes/pradhan-mantri-jeevan-jyoti-bima-yojana-pmjjby-scheme-details/) / [PMSBY](https://upstox.com/saving-schemes/pradhan-mantri-suraksha-bima-yojana-pmsby/) Registration for [ Atal pension yojna](https://upstox.com/saving-schemes/atal-pension-yojana-apy/). PMNRF Donation Cheque book Request Stop Cheque request Donation

Canara Bank Net Banking - Login, Registrations, & Activation

Canara Bank is one of India's prominent public sector banks, the third largest nationalised bank with a large domestic footprint and also presence in the overseas markets (Newyork, London, Dubai and Hong Kong). Founded in 1906 and headquartered in Bangalore, the bank has an asset base of ₹1,153,675 crore ( FY2021) and offers a whole range of products and services ranging from retail, commercial, private banking to asset management to investment banking to credit cards, mortgages and pension. The Government of India is its majority shareholder with 69.33% stake. Canara Bank offers a wide range on Internet Banking services ranging from enquiry about the balance in his/her account(s), details about transactions, Statement of Account Request for issue of cheque-books to Request for transfer of funds to own/third party accounts within Canara Bank and to other Bank accounts, TDS enquiry, Income Tax e-filing, tax payments and much more can be availed by the customer 247365. You can register for Canara Bank netbanking services through a number of mediums provided you have an active account with the bank branch. For example to activate your Canara Bank netbanking services account: - Visit the nearest Canara Bank branch and fill up the application form with all relevant details. The bank would typically courier the net banking details ( user id and password) on the registered mailing address. Or - You may download the net banking app from the Canara Bank's web portal, http://online.canarabank.in - You can then fill up the application form and submit it to your Canara Bank branch. - Once the application is processed, you will receive the login details.on your registered mailing address. Once you have the login details you can now activate your account. - You will receive an SMS from Canara Bank containing the verification key and activation code. - Now login to Canara Bank's web portal and press the "New Registration" tab. - You will be directed to the net banking terms and conditions page. - Press the "I Agree" option to move on to the next step. - Type the details as indicated on the registration page pertaining to your account number, registered mobile number, debit card number and customer ID provided by the bank. - Once you have typed the details, the bank will send you an OTP on your registered mobile number. - Type your mobile number in the [OTP](https://upstox.com/banking/what-is-otp-one-time-password-meaning-full-form-messages/) authentication page and click "Submit". - At this stage, you will then be required to create a password for your net banking transactions. Once you have created your cryptic password, click on submit to complete the activation process. - When the activation process is complete, you will be redirected to the Canara Bank internet banking home page. - Click on "Login to NetBanking" and enter your User ID and newly created password. - Now enter your debit card number, expiry date on the card and ATM PIN. - You will receive another OTP from the bank on your registered mobile number, which should be typed to create a transaction password - And finally, after creating a transaction password, your net banking activation process is complete and you can now avail the net Banking services of Canara Bank.