Innovating their approach towards banking, Federal Bank offers the SMS banking service. Here, just with an SMS, customers can transfer money, check their balance, get a mini statement, recharge their mobiles and DTH, request a cheque book, and so on. The best part about this service is that customers do not need to have an internet connection or a smartphone. A basic GSM phone will suffice for this banking service.
Benefits of Federal SMS banking
Just by sending an SMS to 9895088888 or 5676762 with a keyword, a customer can carry out the following processes.
- Transfer money from his/her account to a member from any other bank.
- Recharge their DTH connection or recharge their prepaid mobile number.
- Check their balance.
- Get a mini statement of their previous transactions.
- Recharge their Bangalore Metro Transit Card.
- Check the status of a cheque.
- Request for a cheque book.
- Locate the nearest bank branch and ATM.
- Know your MMID (Mobile Money Identifier).
- Register for FedBook.
How to use the Federal Bank SMS Banking
All that the customer needs to do is to message their request along with the SMS keyword to this number - 9895088888 or 5676762. Once the request has been made, the bank will retrieve the details and reply to the request. SMS charges are applicable.
SMS keywords:
Listed below are the keywords to make a fund transfer through Federal SMS banking.
| Â Â Keyword | Â Â Explanation |
| PAY | Command for transferring funds using nick names of beneficiaries. |
| <space> | Type one space. |
| nickname | Nickname given for payees at the time of payee registration by the customer using FedMobile app or GPRS Banking. |
| amount | Amount to be transferred. Even decimals can be given, if required. |
| rem | Last three digit of the remitter's account number. |
| IMPS | Immediate Payment System. |
| account | Account number of the Beneficiary with Federal Bank or with another Bank. |
| Ifsc | Indian Financial System Code of the Beneficiary Bank Branch. |
| remarks | Option remarks (50 characters only). |
| mobile | Beneficiary mobile no for sending money using IMPS. |
| mmid | Mobile Money Identifier of the beneficiary to send money to his/her mobile number using IMPS. |
Keyword SMS sequences for other processes:
-
Mobile recharge:Â MTOPUPÂ
amount rem / MTOPUP  mobile  amount  rem -
DTH Recharge:Â DTHÂ
 Service Provider  DTH Subscriber ID  amount  rem -
Bangalore Metro Travel Card recharge: BMRCL
card  amount  rem -
FedBook Registration:Â FEDBOOKÂ
 myaccount -
Balance Enquiry:Â BAL
 myshortno -
Mini statement request:Â TXNÂ
 myshortno -
Cheque Status Enquiry:Â CPSÂ
 myshortno  Cheque -
Cheque Book Request:Â CBRÂ
 myaccount - Know Your MMID: MMID
-
ATM Locater:Â ALÂ
 pincode -
Branch Locator:Â BLÂ
 pincode -
Block debit card:Â BLOCKÂ
 Last four digits of Debit Card
Federal Bank SMS Banking FAQs
- What type of handset is required for this banking service?
- Do I need to add a beneficiary to transfer funds?
- What is the SMS banking number of Federal Bank?
- What are the services one can carry out using SMS banking?
- Does only Federal Bank have this SMS banking service?
The best part of this service is that you do not need a smartphone or an internet connection. A regular GSM handset would do.
No, adding a beneficiary is not required in this case. All you need to know is the account name and number, bank and IFSC code of the beneficiary.
The number that you need to send the request to along with the keyword is - 9895088888 or 5676762.
A customer can carry out a number of services such as fund transfers, recharge their DTH connection or recharge their prepaid mobile number, check their balance, get a mini statement of the last 5 transactions made, check the status of a cheque, request for a cheque book, locate the nearest bank branch and ATM, know your MMID (Mobile Money Identifier), register a FedBook and so on.
No, not just Federal Bank has this service. There are a number of banks that have this facility as well.
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