How to Link Mobile Number with Bank Account

It is important, as well as necessary in many cases to link your mobile number with your bank account. Mobile number to bank account linking helps in a hassle-free and seamless banking experience. In today's digital era, where transactions take place in the blink of an eye, linking your active mobile number with your bank account is essential. It helps you in getting regular notifications, OTPs, and alerts sent by the bank.

In this blog, we will explain why it is crucial to link your contact number to your bank account and how to do it online as well as offline. 

Different Methods to Link Mobile Number with Bank Account

The following are different methods and step-by-step processes on how to link mobile number to bank account online and offline:

Net Banking

Link mobile number to bank account online through net banking by following the steps given below: 

• Visit the official website of your bank and log in to your internet banking account with your credentials.
• Then, go to the ‘Update Contact Details’ or ‘My Profile’ section.
• Choose the option of updating your mobile number.
• Mention your new mobile number and hit ‘Confirm’.
• Authenticate using your PIN or password.
• Enter the OTP received on your new mobile number.
• Then click ‘Submit’ to complete the mobile number link to bank account online process. 
• Your new number will be linked to your account within 24 to 48 hours.

Mobile Banking App

If you have access to the mobile banking app of the bank where you have an account, you can link your mobile number from there. Below is the process:

• Open the mobile app of your bank and log in with your mPIN or password.
• Then, go to the ‘Profile’ or ‘Settings’ section.
• Choose the ‘Update Contact Details’ option.
• Enter the new mobile number and authenticate using OTP, mPIN, or both.
• Again, enter the OTP to complete the verification process.
• The bank account mobile number linking process will be complete.

ATM

If you have not registered with internet banking, you can visit your bank's ATM and follow the steps given below to link your mobile number with your bank account:

• Visit the ATM of your bank and insert your debit card into the ATM kiosk.
• Enter your ATM PIN and select the ‘Register Mobile Number’ or ‘Mobile Number Registration’ option.
• Now enter your new mobile number. 
• Submit the request.
• You will receive an OTP on your new number. Enter it into the ATM.
• Press ‘Confirm’ to complete your request.
• Your new number will be linked to your bank account within 24 to 48 hours.

Branch Visit

You can visit a nearby branch of the bank where you hold your account and follow these steps:

• Go to the nearby branch of your bank.
• Request for a KYC update form.
• Fill in some basic details, such as your account details, mobile number, etc.
• Submit a valid photo identity proof for verification.
• Submit the form at the dedicated counter and wait for a confirmation message from the bank.

Benefits of Linking Mobile Numbers with Bank Accounts

Here are the benefits of linking your mobile number to your bank account:

• Timely updates: You will be able to easily access instant notifications regarding the new services offered by the bank, OTPs shared by the bank to authenticate transactions, and any updates in the banking policies on your registered mobile number.
• Two-Factor Authentication: Linking your mobile number to your account provides an additional security layer via OTP sent to your mobile number for transaction verification to minimise the risk of fraud.
• Security: Linking a mobile number linked to the bank account also allows you to receive instant and seamless transaction alerts, helping you detect unauthorised activities easily.
• Easy Access to Services: You can easily access the banking services, such as balance inquiries, mini statements, etc., which saves you time visiting the branch.
• Get Real-Time Notifications: You can get instant updates on account activities, changes in balance, and transaction confirmations, keeping you informed on the go, at all times.
• Quick Account Recovery: You can quickly recover your online banking password through OTP in case you forget it, and instantly set a new password.
• Digital Transactions: If you use mobile banking or UPI apps, you must have the same SIM inserted in your mobile device. Even when you use an Internet banking facility, you will need an OTP to authenticate the transactions.

Frequently Asked Questions (FAQs)

✅ How to link mobile number with bank account at home?

To link your mobile number with bank account at home, you can visit your bank's online banking portal or mobile banking app. Just log in to your account using credentials, navigate to the “profile” or “settings” section, click the "Update Mobile Number" option, and enter your mobile number, and verify the changes with an OTP or password. 

✅ How to link phone number with bank account online?

You can easily link your mobile number with your bank account online by logging into your internet banking account. Go to the “profile” or “contact details” section and enter your new mobile number. Authorise the request with an OTP received on your phone and submit your request for processing.

✅ How to link mobile number with bank account without ATM card?

To link your mobile number with bank account without an ATM card, visit your bank's online banking portal or mobile banking app. You can visit your bank’s branch and submit a written request to update your mobile number. 

✅ How to register mobile number in SBI?

You can visit an SBI ATM to register your mobile number with SBI or register online through Online SBI or YONO app. 

✅ How much time it takes to link mobile number to bank account?

Changing your mobile number via net banking is instant. If you visit a branch, it will typically take 24 to 48 hours for the update to reflect.