How to Link Mobile Number With Bank Account

Banks now ask all customers to share their phone numbers when opening a new bank account online or offline. Even long-term account holders are being requested to link their phone numbers with their bank accounts. But how to link mobile number with bank account online? Below, we’ll walk you through the different methods available for linking your phone number to your bank account.

How to Link Mobile Number With Bank Account Online?

If you’re interested in connecting your phone number with your bank account online, you can follow these steps. Remember, you’ll need to have your net banking facility activated beforehand.

  1. Visit the bank’s website and log in to your net banking account.
  2. Look for the ‘My Profile’ or ‘My Account’ section.
  3. Make sure to log in to the specific account you want to link your phone number with.
  4. The bank may ask you for additional authentication, such as a PIN or password.
  5. Once authenticated, find the ‘Contact Number’ tab.
  6. Enter the phone number you want to link with your bank account.
  7. Click ‘Submit’.
  8. You’ll receive an OTP (One-Time Password) on the provided phone number.
  9. Enter the OTP and submit to confirm.
  10. The bank will process your request within 24 to 48 hours.

Following these steps will help you link your phone number to your bank account online smoothly.

How to Link Bank Account With Mobile Number Through an ATM?

Here are the steps to link your mobile number with your bank account through an ATM:

  1. Visit the ATM of your respective bank where you hold an account.
  2. Insert your ATM card into the machine and input your Personal Identification Number (PIN).
  3. Navigate to the main menu and select the ‘Register Mobile Number’ option.
  4. Enter the mobile number you wish to link with your bank account when prompted.
  5. Upon submission, a One-Time Password (OTP) will be sent to the designated mobile number.
  6. Input the received OTP into the ATM as instructed.
  7. Finally, confirm your request by selecting the ‘Confirm’ button. Please note that similar to internet banking procedures, it may take 24-48 hours for the bank to successfully link your mobile number with your account.

How to Link Mobile Number With Bank Account Using a Mobile App?

To link your mobile number with your bank account using a banking app, you’ll follow a process similar to internet banking.

  • Log in to Your Banking App: Open your bank’s mobile app and log in with your credentials. For instance, if you use Freo Bank, log in to the Freo mobile app.
  • Find the ‘Profile’ or ‘Personal Details’ Section: Look for the ‘Profile’ or ‘Personal Details’ section in the app’s menu.
  • Add Your Mobile Number: Input your mobile number, confirm it, and validate it with the OTP (One-Time Password) sent to your mobile number.

Why is it Important to Link Bank Account to Mobile Number?

  • Keeping the Tabs on Your Transactions

    When you link your phone number to your bank account, you gain the ability to track all your transactions effortlessly. Whether you’re shopping online, making purchases in stores, or withdrawing cash from ATMs, you’ll receive SMS notifications for every transaction, ensuring you’re always in the know about your account activity.

  • Secure Online Transactions&nbsp

    Authorised platforms like Aadhaar UIDAI or Income Tax keep you informed about any changes or updates via SMS on your registered phone number. Additionally, they send OTPs to this number for transaction verification, ensuring the security of your online activities.

  • SMS Alerts

    Apart from transaction notifications, banks also send SMS updates about your remaining account balance, helping you manage your finances better.

  • Other Financial Services

    Some banks let you check your account balance and get a mini statement by calling your linked phone number or via SMS.

  • Protecting Against Debit Card Loss

    In the event of losing your debit card or facing a security breach in your Internet banking credentials, your registered phone number acts as an additional layer of security. Any unauthorised transaction attempts trigger instant SMS alerts to your phone, allowing you to promptly report and block suspicious activities by contacting your bank.

  • Updating Contact Information

    It’s important to keep your bank informed if you change your mobile number. Failure to update your contact details may result in missing out on important updates and notifications, highlighting the importance of maintaining accurate information with your financial institution.

  • Timely Loan Payment Reminders

    Through SMS reminders sent to your registered mobile number, banks help you stay on track with your loan repayments, ensuring that you maintain sufficient funds in your account. Additionally, alerts are issued if your account balance falls below a specified threshold.

Frequently Asked Questions (FAQs)

  1. Can I link multiple bank accounts to one mobile number?

    Yes, you can link one mobile number to multiple bank accounts to receive alerts and verification codes (OTPs). However, you can only link one mobile number to a single bank account for receiving official bank communication.

  2. What documents do I need to change my mobile number linked to my bank account?

    If you can use your bank’s net banking facility, you likely won’t need any documents. However, if you need to visit a branch, you’ll typically need:

    • Your new mobile number
    • Your bank passbook
    • Aadhar card (India) or a similar government-issued ID
  3. How long does it take to change the mobile number linked to my bank account?

    Changing your mobile number through net banking is usually instant. If you visit a branch, it typically takes 24-48 hours for the update to reflect. You’ll receive a confirmation notification to your newly linked number.

  4. How can I link my phone number to my bank account?

    The easiest way is to visit any ATM of your bank. Look for an option like “Register Mobile Number,” enter your number, confirm it, and it will be linked.

  5. How do I update my contact number for my savings account with a new number?

    You’ll need to write an application to your branch manager requesting the update. Briefly explain why you need to change the number and include supporting documents like your new contact number and a copy of your ID.