Citibank SMS Banking

FAQs on Citibank SMS Banking

• What is Citibank SMS Banking?

  SMS Banking is a service provided by Citibank that allows customers to access various banking features through text messages on their registered mobile numbers. The service comes with several benefits, enhancing convenience and accessibility for account holders. 

• How can Citibank account holders check their account balance using SMS Banking?

  Citibank account holders can check their account balance through SMS Banking by sending an SMS with the following format: BAL <space> Last four digits of the debit card. The SMS should be sent to either 52484 or 9880752484. 

• Can any mobile number be used to initiate SMS Banking with Citibank?

  No, SMS Banking with Citibank must be initiated from the customer's registered mobile number. This ensures the security and authentication of the account holder before accessing banking services through SMS. 

• What information can customers access using Citibank's SMS Banking feature?

  Customers using Citibank's SMS Banking feature can access a range of information, including checking their account balance, receiving OTP for mobile transactions, tracking reward points, requesting a chequebook, obtaining a duplicate account statement, transferring money via SMS, finding out MMID, and checking available credit limits. 

• What is required for customers to register for Citibank's SMS Banking feature?

  To register for Citibank's SMS Banking, customers need a registered mobile number along with a Citibank credit or debit card number. No additional documents are required for registration, making the process simple and convenient. 

• How can I activate SMS notifications for Citibank?

   To enable SMS notifications for Citibank, sign in to www.citibankonline.com, navigate to the Service Center tab, and click ‘Enroll In/ Manage Citi Alerting Service.’ On the Current Alerts page, click ‘Manage Alerts’ after agreeing to the Terms and Conditions.   

• What are the benefits of using Citibank's SMS Banking service?

  The benefits of Citibank's SMS Banking include the convenience of accessing banking and credit card-related information anytime and anywhere. The registration process is simple, requiring only a mobile phone with an activated SMS facility. This service offers customers the flexibility to perform various banking and non-banking functions through a straightforward SMS interface. 

• What are the charges associated with using the SMS Banking service?

  Using the SMS Banking service is entirely free for all customers. However, please note that standard SMS charges may apply when sending messages to 52484 or +919880752484, depending on your mobile operator's tariff. 

• Can I access Citi Mobile if I don't have an iPhone or Android device?

  Yes, even if you don't own an iPhone or an Android-based phone, you can still access essential Citi Mobile features through the mobile website. Simply visit m.citibank.co.in on your mobile phone browser to transfer funds, pay bills, recharge e-wallets, and more. 

• Will my Citi Mobile App be deactivated if I don't use it for some time?

  Rest assured, your Citi Mobile account will never be deactivated due to inactivity. However, for security reasons, certain measures are in place. If you don't log in to Citi Mobile or Citibank Online for 180 days, your IPIN will be temporarily locked. You can easily reset it via desktop or mobile to regain access. For added security, if you go 30 days without logging in to Citi Mobile, you'll need to undergo OTP validation upon your next login. 

• How secure is Citi Mobile?

  Citi Mobile prioritises your security with top-notch measures. Citi Mobile ensures your security with 128-bit SSL encryption. Access is restricted to you through your unique Citibank User ID and confidential IPIN. Sensitive information like card numbers is masked, and six incorrect IPIN entries result in temporary suspension. First-time app login prompts a one-time OTP authentication for added security, with alerts for unauthorized access attempts. 

• What if I switch to a new mobile phone?

  If you switch to a new mobile phone, you'll need to download the Citi Mobile app again. However, as an added security measure, you'll be required to authenticate yourself with OTP during the first login on the new device. 

• What is the process for transferring money via SMS?

  To transfer money using SMS, you need to send a text message with the following details: IMPS, beneficiary MMID, beneficiary mobile number, the amount to be transferred, and the last four digits of your debit card number. 

• Is there any additional information required for the money transfer process?

  Besides the details mentioned in the SMS, ensure that your mobile number is registered with your bank account and that you have sufficient funds available in your account for the transfer. Additionally, ensure that you're sending the SMS from the mobile number which is linked to your bank account. 

• How long does it take for the money to be transferred using this method? 

  The transfer via SMS using IMPS is usually instantaneous, ensuring that the recipient receives the funds in their account promptly, often within a matter of seconds to a few minutes. However, factors like the recipient bank's processing time may slightly vary the transfer duration.