SMS Banking FAQ's
 
1. What is SMS Banking?
SMS Banking is a service that enables you to do banking transactions anywhere, anytime using your mobile phone without making a call, using the SMS facility. Allahabad Bank SMS Banking keeps you informed about the significant transactions in your bank through SMS Banking Alerts.

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2. How does it work?
SMS Banking works on the 'Text Messaging Facility' also called the SMS that is available on mobile phones. You have to type a text message in the specified format based on the service you want to check. Then send the text message to the number provided by the bank for the SMS Banking facility. This message travels from your mobile phone to the SMS Centre of the Cellular Service Provider, and from there it travels to the Bank's systems. The information is retrieved and sent back to your mobile phone via the SMS Centre, all in a matter of a few seconds.
You have to send your instruction in the form of the SMS to 9246211101 and you will receive the information back from 9795344444.

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3. How does this SMS Banking differ from Phone Banking?
  • You are not required to dial a number; you send a text message in the specified format to the number provided by the bank for the SMS Banking facility.
  • Allahabad Bank does not charge anything for this service and there is no airtime involved. However, the Cellular Service Provider may levy a nominal charge for the SMS facility.
  • In SMS Banking, you can see your banking transactions on your mobile phone screen as opposed to hearing a message through the phone.

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4. What are the eligibility criteria?
  • All customers with mobile phones where the service provider supports SMS facility would be able to avail this facility.
  • You should have a Savings/Current/Fixed Deposit/Loan Account with Allahabad Bank to use this facility.

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5. How do I avail of Allahabad Bank SMS Banking?
To avail the services of SMS Banking you have to select the SMS Banking option in the form available with the branch. You should also ensure that your Mobile Number is available with the branch. If you have opted for SMS Banking then you will receive a Mobile Personal Identification Number (MPIN), a unique number from the bank. On receipt of the MPIN you have to acknowledge the bank, after which the Mobile Banking services would be activated for you. After activation you can now access your account with your mobile phone. If you have the Allahabad Bank Internet Banking facility then you can give an online request for SMS Banking.

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6. Does Allahabad Bank charge anything for its SMS Banking Service?
No, Allahabad Bank does not charge anything for this service. Since you are using the text messaging service from your mobile phone, you do not incur any airtime charges in making a phone call from your mobile phone. However, the Cellular Service Provider may levy a nominal Value Added Services (VAS) charge for the SMS facility.

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7. What are the transactions that I can carry out through Mobile Banking?
  • Balance Enquiry
  • Mini statement for last 5 transactions
  • Statement Request
  • Cheque request
  • Cheque Status Enquiry
  • Stop payment on a Cheque
  • Revoke the stopped Cheque
  • Requesting for DD issue
  • Change of MPIN
  • Help on Opcodes

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8. Can I stop a series of cheques?
At present, you can stop only a single Cheque at a time.

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9. Can I do any fund transfer through SMS Banking?
No, this facility is not available.

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10. Is there any charge for stop payment on a Cheque?
It will be based on the Bank’s usual charges.

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11. If I do a Balance inquiry, will it count as 1 message or 2?
It will count as 1 message i.e., the request message.

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12. What are the Allahabad Bank Mobile Banking alerts?
Alerts may be made available in future for the following activities in your account
  • Credit in account for a configurable amount (Amount yet to be fixed)
  • Debit in account for a configurable amount (Amount yet to be fixed)
  • Minimum Balance alerts
  • Welcome Messages
  • Deposit Maturity alerts

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13. How often will I receive the alerts?
It will depend on the type of alerts selected. However, you will receive the alert(s) as and when the particular event happens.

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14. Do I need a special phone for Mobile Alerts?
No, all you require is a normal GSM / CDMA mobile phone to receive Mobile Alerts. Ensure that the GSM / CDMA mobile phone service provider should have activated SMS facility for you to avail this facility.

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15. What should I do in case I change my mobile phone number?
If you are having the Allahabad Bank Internet Banking Facility, you can update the Mobile number online otherwise you have to inform the Branch about this.

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16. Who intimates me once the registration process is complete?
The Bank will send you a welcome kit and PIN mailer.

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17. If I lose my mobile phone, what should I do?
Inform the Branch immediately. The SMS Banking facility on that number will be disabled soon.

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18. Can I avail of this service from outside my city of registration/telecom circle?
If you have national or international roaming facility from the Cellular Service Provider, you can avail of this service from anywhere in India or overseas.

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19. Explain the SMS format for different transactions?

The various services and their description provided for Mobile Banking System are:

SI. Code Description SMS Format
1 BALAVL Balance Inquiry BALAVL <A/c no>
2 LATRAN Last 5 Transactions LATRAN <A/c no>
3 CHQSTS Cheque Status Inquiry CHQSTS <Chq no>
4 CHQREQ Request for Cheque Book CHQREQ <No. of Leaves> <A/c no>
5 STPPAY Stop Payment on a Single Cheque STPPAY <Chq no> MPIN
6 STPREV Revoke Stopped Cheque STPREV <Chq no> MPIN
7 DDISSU Request for DD Issue DDISSU <Name> <Payable at> <Amount> MPIN
8 STMACC Request for Account Statement STMACC <Start date> <End date> <A/c no>
9 CHGPIN Change MPIN CHGPIN <New MPIN> <Old MPIN>
10 HELP Help on usage HELP <Code>
Note: If the Account number is not specified in your SMS message that is sent to the bank, then the response would be provided for the primary account which is registered with the bank.