How to Check Bank Balance by SMS

Due to technology, modern banking services have evolved, offering various avenues to access and manage bank accounts. One such method that has gained immense popularity is checking bank balances through SMS. This method provides a quick and hassle-free way to stay updated on your finances without physically visiting your bank branch. Here’s all you need to know about checking your bank balance by SMS.

Banks continuously explore ways and methods to provide convenient, remote banking services to keep up with the changing times. The facility to check bank balance via SMS is one such step taken to ensure seamless services for customers who wish to know their account balances at any given time. 

To get this facility, you simply need to register your mobile number with the bank and send a text message for your Registered Mobile Number (RMN) to a designated number provided by the bank. The bank processes your request and responds with the account balance information instantly.

The facility to check your account balance via your RMN is incredibly convenient and involves five simple steps. Here’s what you need to do to check your bank balance by SMS:

• Verify the Message Format: Every bank follows a specific text message format. Before sending the message, you must verify it with the bank or through its online portals. 
• Launch the SMS app on your mobile phone: Open the text messaging app on your mobile phone to compose a new text message. 
• Type the Message in the suggested format: You can now type the text SMS in the format suggested by your bank. The standard format typically includes typing ‘BAL’ or ‘BALANCE,’ followed by your bank account number or a specific code provided by the bank. 
• Send the Message: Once you have entered the required information in the message, send it to the designated number provided by your bank for SMS banking. 
• Receive Response: The bank should send you an SMS response within a few moments containing your account balance information.

While checking your bank balance via SMS is convenient, it is essential to keep the following tips in mind:

• Ensure Confidentiality: Make sure your mobile phone is secure, and never share sensitive information like account numbers or OTPs (One-Time Passwords) with anyone. 
• Use Registered Mobile Number: To receive a response from the bank, make sure to use the mobile number registered with your bank account. 
• Check for Charges: Some banks may levy charges for SMS banking services beyond a certain limit. Familiarise yourself with the fee structure to avoid unexpected charges. 
• Keep Records: It is a good practice to keep records of the SMS messages sent and received for future reference or in case of discrepancies.

Checking your HDFC Bank account balance is quick and easy via SMS. If you have an HDFC Bank Savings Account, you can send an SMS from your RMN to the number 7308080808 with the text message ‘Balance’. You will receive your account balance information instantly. This convenient service allows you to stay updated on your finances without needing internet access or visiting a bank branch. 

*Disclaimer: Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.