How to Link Mobile Number With Bank Account Online?

In today's digital age, where transactions happen quickly, linking your active mobile number with your bank account is essential to secure your account and receive notifications of banking transactions. 

Key Highlights:

• Online Linking Method: Through Net banking or Mobile banking app
• Offline Linking Method: Through ATMs or by visiting a bank branch

Why Linking Mobile Number to Bank Account is Important?

It helps you receive OTPs and notifications about account activities and alerts you to suspicious transactions and other important updates. You get real-time alerts for deposits and withdrawals. It is also required to access services like internet banking, mobile banking and UPI. 

Ways to Link Mobile Number with Bank Account

These are the ways to link your mobile number with your bank account:

I. Through Net Banking

Step 1: Visit your bank’s official website and log into your internet banking account.
Step 2: Go to the ‘My Profile’, ‘Settings’ or ‘Update Contact Details’ section.
Step 3: Select the option to update your mobile number.
Step 4: Enter your new mobile number and confirm.
Step 5: Authenticate with your PIN or password.
Step 6: Enter the OTP sent to your new mobile number.
Step 7: Click ‘Submit’ to complete the process. Your number will be updated within 24-48 hours.

II. Through Mobile Banking Apps

Step 1: Open your bank's mobile app and log in with your mPIN or password.
Step 2: Go to the ‘Profile’ or ‘Settings’ section.
Step 3: Select ‘Update Contact Details.’
Step 4: Enter the new mobile number.
Step 5: Authenticate using OTP, mPIN, or both.
Step 6: Enter the OTP to complete verification.

III. Through an ATM

Step 1: Visit your bank’s ATM with your debit card.
Step 2: Insert your card and enter your ATM PIN.
Step 3: Select ‘Register Mobile Number’ or ‘Mobile Number Registration.’
Step 4: Enter your new mobile number and submit the request.
Step 5: Receive an OTP on your new number.
Step 6: Enter the OTP and press ‘Confirm’ to complete the request.
Step 7: Your number will be updated within 24-48 hours.

IV. By Visiting Bank Branch

Step 1: Visit your bank branch where you have an account.
Step 2: Collect and fill out the ‘Change/Update Mobile Number’ form. 
Step 3: Submit it along with a copy of your ID proof, such as Aadhaar card, PAN card, etc.
Step 4: The bank will process your form and update it within 24-48 hours.

How to Check Mobile Number Linked with Bank Account?

Here are the different ways to check the mobile number linked with the bank account:

• Mobile Banking App: Log into your bank's mobile banking app. Go to the profile or account section, where you may find your linked mobile number from the personal details section.
• Internet Banking: Log into your banking profile and go to the ‘Profile’ or ‘Personal Details’ section. Here, you can find the linked mobile number, which is generally masked for security reasons.
• SMS: You will receive verification SMS notifications for banking on the mobile number linked to your account.
• ATM: Visit your bank’s ATM and insert your card. Choose options like ‘Mobile Registration’ or ‘Profile Information’. This may allow you to view the linked mobile number.
• Customer Care: Call your bank’s customer care team at the official toll-free number. After verifying your identity, the representative can provide you with the mobile number linked to your account.
• Visiting Bank Branch: You can visit your nearest bank branch with valid identification and request to check which mobile number is linked to your account.

Benefits of Linking Mobile Number with Bank Account

• Enhanced Security: A mobile number linked to the bank account allows you to receive instant and seamless transaction alerts and helps detect unauthorised activities easily.
• Two-Factor Authentication: It provides an additional security layer by sending an OTP to your mobile device for transaction verification, reducing the risk of fraud.
• Real-Time Notifications: You can receive immediate updates on account activity, balance changes, and transaction confirmations, keeping you informed at all times.
• Convenient Access to Services: You can easily access your banking services, such as balance inquiries and mini statements, via SMS, which ultimately saves your time visiting the branch.
• Quick Account Recovery: If you forget your online banking password, you can quickly recover it through OTP and set a new password.
• Timely Updates: You can easily receive prompt notifications about your new services and adjust your maintenance schedules or banking policies at your registered mobile number. 
• Facilitates Digital Transactions: If you use mobile banking or UPI applications, you must have the same SIM inserted in your mobile. Even when using an Internet banking facility, you need an OTP to authenticate the transactions.

There are various ways to link your bank account with your mobile number, such as logging into your internet banking account or mobile banking app, or visiting your bank’s ATM or branch. This helps you to efficiently access your bank transactions, updates, offers, security notifications, etc.

Related Article:
1. How to Link Aadhaar Number with Bank Account Online/Offline?