Often get a feeling of insecurity with SMS banking? Get a feeling that SMS-based transaction may not be hundred per cent fool proof. Here are a few tips to ensure easy and secure SMS banking.
User manual
Never forget to go through the user manual provided on the bank’s site and in branches. This will solve your operational problems and will save you from making wrong transactions.
Origin of the SMS
Always ensure the origin of the SMS before replying. Confirm that the SMS has come from the bank concerned.
Always delete ‘sent’ items
Please don't forget to delete the ‘sent’ items related to SMS banking because they may contain your PIN.
Transaction reference
Every time you do a transaction, don't forget to note the transaction number and always keep it for future reference. This can be used as a proof of the transaction.
Block SMS banking service
In case your phone is lost or misplaced, immediately inform your bank to stop the SMS banking service.
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While looking for an alternative for sms banking, as it is too hostile, I found another bank which uses USSD mode to communicate with its customers. Barclays bank's Hello Money has started user friendly and simple interactive mbanking which seems to be safe as it doesnt store any messages. Check out the online demo which will explain in detail the new mbanking www.barclays.co.in/hellomoney
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