By FMTeam The State Bank of India (SBI), as India’s largest public sector bank, offers a range of convenient services to help customers access their account information effortlessly. Among these services are balance inquiries via missed calls, SMS banking, and WhatsApp banking. These facilities are designed to provide quick and secure access to account details without the need to visit a branch or log into online banking platforms.
SBI Quick Missed Call Banking For Balance Enquiry
SBI Quick is a free service that allows customers to obtain their account balance, mini statements, and more through a simple missed call or SMS. To utilize this service, ensure that your mobile number is registered with your SBI account.
- Balance Inquiry: Give a missed call to 9223766666 or send an SMS with the text ‘BAL’ to the same number. You will receive an SMS containing your account balance information.
- Mini Statement: For a summary of your last five transactions, give a missed call to 9223866666 or send an SMS with the text ‘MSTMT’ to the same number. An SMS detailing your recent transactions will be sent to you.
- Registration: If your mobile number is not registered, you can do so by sending an SMS with the text ‘REG <Account Number>’ to 9223488888. For example, if your account number is 12345678901, send ‘REG 12345678901’.
Please note that these services are available only for savings and current accounts. Standard SMS charges may apply as per your mobile tariff plan.
SBI SMS Banking For Balance Enquiry
SBI’s SMS Banking service provides a range of functionalities beyond balance inquiries and mini statements. To get started, you need to register for the service.
- Registration: Send an SMS with the text ‘MBSREG’ to 9223440000. You will receive a User ID and default MPIN (Mobile Personal Identification Number). Change the default MPIN by sending an SMS with the text ‘SMPIN <UserID> <OldMPIN> <NewMPIN>’ to 9223440000. For example, ‘SMPIN user123 1234 5678’.
- Balance Inquiry: After registration, check your balance by sending an SMS with the text ‘SBAL <UserID> <MPIN>’ to 9223440000. For instance, ‘SBAL user123 5678’.
- Mini Statement: To receive the last five transactions, send an SMS with the text ‘SMIN <UserID> <MPIN>’ to 9223440000.
- Fund Transfer: Transfer funds by sending an SMS with the text ‘IMPS <MobileNumber> <MMID> <Amount> <UserID> <MPIN>’ to 9223440000. For example, ‘IMPS 9876543210 1234567 1000 user123 5678’.
Ensure that your mobile number is registered with SBI and that you have accepted the terms and conditions of the service by sending an SMS with the text ‘SACCEPT <UserID> <MPIN>’ to 9223440000. Standard SMS charges may apply.
SBI WhatsApp Banking
SBI has introduced WhatsApp Banking to offer customers a convenient way to access basic banking services.
- Registration: Send an SMS with the text ‘WAREG <AccountNumber>’ to 7208933148 from your registered mobile number. For example, ‘WAREG 12345678901’.
- Using the Service: After successful registration, send a WhatsApp message saying ‘Hi’ to 9022690226. Follow the instructions provided by the chatbot to access services such as balance inquiries, mini statements, and more.
This service is available to savings account holders, current account holders, NRI customers, and proprietors of CC-OD accounts.
Contact Centre Services
SBI’s Contact Centre provides round-the-clock assistance for various banking services. You can access these services by calling the toll-free numbers: 1800 1234, 1800 2100, 1800 11 2211, or 1800 425 3800.
- Balance Inquiry: Call any of the toll-free numbers, select your preferred language, and press 1 for “Account Balance and Statement.” The Interactive Voice Response (IVR) system will announce your account balance and can also provide the last five transactions upon request.
- Account Statement: After hearing your account balance, press 2 to request an account statement. The statement will be sent to your registered email address.
Ensure that your mobile number is registered with the bank to utilize these services effectively.
Important Considerations
- Registration: Ensure your mobile number is registered with your SBI account to access these services. If not, visit your nearest SBI branch to update your details.
- Security: Never share your User ID, MPIN, or any other sensitive information with anyone. SBI never asks for such details through phone calls, SMS, or emails.
- Charges: While SBI offers these services free of charge, standard SMS and data rates may apply as per your mobile service provider.
By leveraging these digital banking services, SBI customers can manage their accounts conveniently and securely, ensuring access to essential banking information at their
fingertips. These facilities empower customers to stay updated on their financial transactions without the hassle of visiting a branch, standing in long queues, or relying solely on traditional banking methods.
Why Use SBI’s Digital Banking Services?
- Convenience: These services are available 24/7, ensuring you can check your balance or recent transactions at any time, from anywhere.
- Ease of Use: Simple commands such as sending a missed call, SMS, or WhatsApp message make it accessible even for non-tech-savvy customers.
- Time-Saving: With no need to log into online banking portals or apps, these services save significant time, especially for quick queries.
- Wide Accessibility: Customers in urban and rural areas alike can utilize these services as they only require a basic mobile phone.
- Enhanced Security: Since the services operate only through the registered mobile number, the chances of unauthorized access are significantly reduced.
Tips for Effective Usage
- Keep Your Mobile Number Updated: Always ensure your registered mobile number is up-to-date to access all services seamlessly. If you change your number, promptly update it at the nearest SBI branch.
- Memorize Commands: Familiarize yourself with the specific SMS or missed call commands for your desired service to save time.
- Beware of Fraud: SBI never asks for sensitive information such as MPINs, OTPs, or passwords through calls or SMS. Be cautious of any fraudulent messages or calls posing as bank representatives.
Overall, The State Bank of India’s digital banking services, such as missed call banking, SMS banking, and WhatsApp banking, provide unparalleled convenience to its vast customer base. These services align perfectly with the bank’s vision of making banking more accessible and hassle-free for every individual. By leveraging these tools, customers can stay in control of their finances anytime, anywhere. Whether it’s checking a balance, viewing a mini statement, or transferring funds, SBI ensures that all essential banking services are just a call or text away.