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Revolutionizing Banking Convenience Exploring the Features and Benefits of PNB SMS Banking

PNB is one of the leading public sector banks that introduced digital banking solutions for the customer’s benefit. Amongst several services, one of the services provided by PNB is SMS Banking which allows users to check their account balances, get the Mini statement, funds transfer, etc. With the help of SMS Banking, accountholders can get access to all account-related information without using the internet or visiting a branch. It is a convenient and hassle free mobile banking service that enables users to access many different banking facilities using SMS. 

Salient Features & Advantages of PNB SMS Banking

Mentioned below are the salient features of PNB SMS Banking:

  • Balance Enquiry:

To know the account balance via SMS, the customer has to follow a simple process. An account holder is required to send an SMS to the PNB Balance Check Number to check the account balance. Send an SMS in the format i.e. BAL space 16 digits Account Number to 5607040.

  • Funds Transfer:

With the help of PNB SMS Banking, users also can transfer funds to their own accounts seamlessly i.e. INR 5000 per day limit.

  • Mobile Recharge & Utility Bill Payment:

Account holders can use SMS Banking services to make mobile recharges and utility bill payments. It helps save enough time & effort making it completely hassle free to manage the payments on the fly.

  • Cheque Book Initiation Request:

An account holder can initiate a request for a Cheque Book via SMS Banking without any requirement to visit the bank and eliminate paperwork. it makes the process of cheque book issuance quite easier.

  • Alerts & Notifications:

SMS banking services by PNB enables real time updates for all the transactions, account activity & status updates in context to the bank account. This assists customers to stay updated about any new transaction in their bank account.

  • ATM/ Branch Locator:

 By sending an SMS, one can locate the nearest Punjab National Bank (PNB) branch or ATM. This makes it a lot easier to get access to its banking services.

  • Mini Statement:

 An account holder can avail PNB Mini Statement without any internet connection.

 Send an SMS MINSTMT <space> Account Number to 5607040 from their registered mobile number. An SMS would then be received on the registered mobile number containing the details of the last 5 transactions made with the PNB Bank account.

 How to Register for PNB SMS Banking Services?

Mentioned below are the steps to register to register for PNB SMS Banking Services:

Step 1: Visit any nearest branch or check the net banking paltform to get & download PNB Registration Form for SMS banking.

Step 2: Provide all the details including mobile number, bank account no., and any other information (if required).

Step 3: Submit the form for verification purposes.

Step 4: Once your registration gets approved, an SMS will then be received which consists of the activation code.

Step 5: Enter the activation code to enable the PNB SMS Banking on the mobile number registered with the bank.

PNB Banking Charges for SMS Alerts 

Mentioned below are the SMS Alert Charges that are required to be paid by PNB customers that are listed below:

Types of Accounts PNB SMS Alert Charges
Saving Account Rs.15/- per quarter
Other than Saving Accounts  Rs.25/- per quarter
Basic Saving Deposit Accounts / Accounts under PMJDY, Senior Citizen Accounts, Students / Vidyarathi Accounts, Mitra Accounts, Staff & Ex-staff Accounts Exempted

 

SMS Codes for PNB SMS Banking Services

Mentioned below are the SMS Codes for PNB SMS Banking Services:

Type of Service SMS Format PNB SMS Banking Number
Services List PNB PROD 5607040
Mini Statement MINISTMT <16 Digit Account Number> 5607040
Cheque Status CHQINQ <Cheque Number> <16 digit account number> 5607040
To Disable Netbanking BLOCK IBS 9264092640 / 5607040
PNB balance check SMS BAL <16 Digit Account Number> 5607040
Self- Fund Transfer (Rs. 5000/- daily limit) SLFTRF <From A/C> <To A/C> <Amount> 5607040
To Stop the Cheque’s Payment STPCHQ <Cheque No> <16 Digit Account Number> 5607040
To disable mobile banking BLOCK MBS 9264092640 / 5607040

 

Benefits of SMS Banking Services

Mentioned below are the benefits of SMS Banking services:

  •       OTP’s are sent on the registered mobile number to have a secure online transaction.
  •       The accountholders can have access to their account information and balances from anywhere and at any time.
  •       Customers can also get a mini statement via SMS containing recent 10 transactions.
  •       It also allows users to know the chequebook status.
  •       One can also request a new chequebook.

How to Use SMS Banking?

Mentioned below are the steps to use PNB SMS Banking:

  •       Enter the Registration Number after calling.
  •   Choose the preferred language.
  •   To check a feature, activate it now. To check it later, send the SMS code provided.
  •   The call will be disconnected and all the details will be provided via SMS to your mobile device.

PNB Customer Care Service Toll-Free Number

To know the account balance, report a stolen or destroyed debit or credit card, or address any other problem, users may call the following toll-free numbers:

 1800 180 2222

1800 103 2222

0120-2490000 (for International Users)

011-28044907 (Landline)

PNB Customers can call the toll-free numbers mentioned below to check account balance of their savings/ current bank accounts:

1800 180 2223

0120-2303090

All the users holding an account with Punjab National Bank (PNB) can use WhatsApp, to use internet banking by sending a message “Hi” from the registered phone number to +91-9264092640.

 FAQ’s

  1.   For which activities does the bank notify via SMS?
  •   Netbanking login OTP
  •   OTP to make a transaction through Netbanking
  •   Financial transactions > £100 through Branch/IBS, and >=50 through ATM
  •   Modify transaction password for netbanking
  •   Enable or disable SMS alerts
  •   OTP for self resest of IBS Password

 In the future other services mentioned below may be a part of SMS Alerts:-

  •   Adding new payee via netbanking
  •   Cheque payment stop or returned unpaid
  •   Inward/outward cheque realised
  •   Standing instruction
  •   Overdue loan repayment for last month
  •   Loan repayment due reminder
  •   Term deposit account maturity reminder before 15 days
  •   Maturity of term deposit account
  •   15 days remaining for the CC/OD account limit to expire

Piyushi

Blogger By Passion, Programmer By Love and Marketing Beast By Birth.

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