FAQ on SMS banking

SMS Banking is a service that enables you to do banking transactions anywhere, anytime using your mobile phone without making a call, using the SMS facility..

With SMS Banking, you can avail following types of services,

 

SMS Push Service:

 

Registered Alerts:

  • Morning balance alerts*
  • Alert on any debit transactions of Rs.5, 000/- and above for Savings Account and for Rs. 10,000/- and above for Current and CCOD customers.*
  • Alert on any credit transactions of RS.5, 000/- and above for Savings Account and for Rs. 10,000/- and above for Current and CCOD customers.*
  • OVERLINE / TOD Alerts.*

*User has to register for Daily/Credit/Debit & TOD Alerts.

 

Mandatory Alerts:

  • Alert for NEFT transaction to the sender
  • Transaction done using Card either at POS, ATM or card not present transactions (E commerce) - as per RBI guidelines.
  • Alerts for IMPS Transactions
  • One-time Password

Information Alerts:

  • Alert for NACH Return
  • Alert for TD maturity
  • Alerts for New accounts opened through CPC
  • Other Card Related Alerts such as for Blocking, Hot listing, pin change, pin tries exceed, Card blocked, Card Activation alerts etc.
  • E-Tax Payment Alerts

SMS Pull Service:

  • Register for SMS Banking / Missed Call Service
  • View the balance of the primary account
  • View the balance of the Account Number
  • View Last 5 transactions of the primary account
  • View the Last 5 transactions of the Account
  • Query the details of the TD
  • Check the status of the cheque number
  • Stop the payment of the cheque
  • Inquire the Primary Account
  • Update the account as Primary Account
  • Initiate the cheque book request for the account
  • Disable the userid

You can inquire your default account balance by giving a missed call to number 8882441155

You can avail this facility by submitting a simple registration form to our branch.

Customer is informed of transactions happening in the account in addition to balance.

Customer should have an active Savings/ Current / CCOD Account with LVB to avail this service.

Yes, you need to register separately for SMS Banking and Missed Call service. This service is restricted only to Retail users

No, if you had already subscribed to SMS Banking and/or Missed call, then there is no need to subscribe separately for SMS Banking and Missed Call

Yes, there is a change in the process to subscribe for SMS Banking and Missed Call.

SMS Banking - New Process SMS Banking - Earlier Process (withdrawn now)

Customer need to apply in a prescribed format for Missed Call Banking. The default account to be configured can be set at the time of registering for the facility.

For Self Onboarded Retail Internet Banking users, SMS Banking and Missed Call Banking should be enabled by default

Now customer need to register for the SMS Banking by sending SMS as LVBREG <SPACE> <CUSTOMERID> to 9282441155

Customer need to register for SMS alert by sending the message LVBREG <SPACE> <CUSTOMERID> <SPACE> <ACCOUNT>

The account will be set as the default account.




Missed Call Banking- New Process Missed Call Banking - Earlier Process (withdrawn now)

Customer need to apply in a prescribed format for SMS. The default account to be configured can be set at the time of registering for the facility.

Once registration is completed. User can initiate a missed call to the number 8882441155 and he user should get the balance of his default account.

Customer need to register for SMS alert by sending the message LVBREG <SPACE><CUSTOMERID><SPACE><ACCOUNT>

On T+1 , missed call facility will be enabled and the user can get the balance by giving a missed call to the number 8882441155.




Check whether the mobile number from which missed call has been given is registered with the Bank

Yes, SMS alerts will be charged on actual usage basis at 50 paise (incl. of service tax) per SMS at monthly intervals with effect from 01st October 2014.

Customer will be charged for every account registered for SMS alerts. It will be charged on actual usage basis at 50 paise (incl. of service tax) per SMS at monthly intervals with effect from 01st October 2014.

OTP (One Time Password), Wrong PIN or PIN Change Alerts in ATM channel, Card Issuance Alerts, Card Block Alerts, TD Maturity Alerts, New Account Opening Alerts, ETAX Payment Alerts and any Promotional SMS sent from Bank end are all Non-Chargeable alerts. Apart from the above, all other alerts are Chargeable

Yes, Customer can cancel the SMS alert Facility by approaching the branch, however mandatory SMS Alerts like ATM/ POS/ ECOM/IMPS Transaction Alerts, NEFT, NACH Mandate Return Alerts cannot be stopped and bank will charge on actual basis only.

You should send the SMS in the specified format to 9282441155, to avail the following pull services,

SMS FORMAT Description

LVBREG<SPACE><CUSTOMERID>

Register for SMS Banking / Missed Call Service

LVBBAL

View the balance of the primary account.

LVBBAL<SPACE><Last 6 digits of the account number>

View the balance of the Account Number

LVBTXN

View Last 5 transactions of the primary account

LVBTXN<SPACE><Last 6 digits of the account number>

View the Last 5 transactions of the Account

LVBTDQ<SPACE><LAST 6DIGITS OF THE ACCOUNT NUMBER>-<Deposit Number>

Query the details of the TD

LVBCHQ<SPACE><Last 6 digits of the account number><SPACE><Cheque Number>

Check the status of the cheque number

LVBSTCHRQ<SPACE><Last 6 digits of the account number><SPACE><Cheque Number>

Stop the payment of the cheque

LVBPAQ

Inquire the Primary Account

LVBPAU<SPACE><Last 6 digits of the account number>

Update the account as Primary Account

LVBCHRQ<SPACE><Last 6 digits of the account number>

Initiate the cheque book request for the account

LVBDEL

Disable the userid
SMS FORMAT Description Sample Message

LVBREG<SPACE><CUSTOMERID>

Register for SMS Banking / Missed Call Service

LVBREG 123456

LVBBAL

View the balance of the primary account.

LVBBAL

LVBBAL<SPACE><Last 6 digits of the account number>

View the balance of the Account Number

LVBBAL 000789

LVBTXN

View Last 5 transactions of the primary account

LVBTXN

LVBTXN<SPACE><Last 6 digits of the account number>

View the Last 5 transactions of the Account

LVBTXN 000789

LVBTDQ<SPACE><LAST 6DIGITS OF THE ACCOUNT NUMBER>-<Deposit Number>

Query the details of the TD

LVBTDQ 000023-1

LVBCHQ<SPACE><Last 6 digits of the account number><SPACE><Cheque Number>

Check the status of the cheque number

LVBCHQ 000789 23

LVBSTCHRQ<SPACE><Last 6 digits of the account number><SPACE><Cheque Number>

Stop the payment of the cheque

LVBSTCHRQ 000789 23

LVBPAQ

Inquire the Primary Account

LVBPAQ

LVBPAU<SPACE><Last 6 digits of the account number>

Update the account as Primary Account

LVBPAU 000789

LVBCHRQ<SPACE><Last 6 digits of the account number>

Initiate the cheque book request for the account

LVBCHRQ 000789

LVBDEL

Disable the userid

LVBDEL

Depending on the type of Alerts Registered, alerts will be usually sent based on the events taking place, Eg. Credits above threshold limits, Debits above threshold limits etc

SMS Banking is a Text based Service.Internet is required for using Mobile banking whereas No internet connection is required for using SMS Banking. SMS Banking will work on all handsets irrespective of the Model/make.

Customer can contact the base branch to check the status of the SMS alert Registration.

  1. Update your mobile number with your base branch at the earliest possible, in case of change in Mobile number.
  2. Keep your account active and Operational.
  3. Keep adequate balance in your account towards debiting the charges for SMS alert services.
  4. Ensure that sufficient space is available in the Inbox of the Mobile device
  5. Ensure that message with sender-id as ‘LVBANK’ is not screened/blocked or marked as SPAM.
  1. Change in the Mobile number and is not registered with the Bank.
  2. Message with sender-id as ‘LVBANK’ has been marked as ‘SPAM’ or blocked in the mobile device.
  3. Customer Mobile is not having enough Storage Space for receiving Messages, device or messaging service of Phone is not working- Mobile phone memory to be checked.
  4. Mobile accounts if in roaming plan or if barred from receiving text messages , SMS might not be allowed/delivered
  5. Mobile network related problems, where there is a technical issue like Busy SMS center in the Service operator side due to which SMS is not being delivered.
  6. If all the above conditions are checked but still the SMS are not getting delivered, customers are requested to contact the base branch for more information.

If all the above criteria are met but still the SMS is not delivered, customers are requested to contact the base branch for more information.

Customers are requested to contact the base branch for changing the mobile number.

  • Change in the Mobile number and is not registered with the Bank.

Yes, since the mobile number is same, SMS alert will be received. However, if there is any restriction/ screening of SMS Alert sender ID from the new service provider, Customer might not receive SMS alert. In such case, Customer should contact the service operator to get it released or unblocked.

No. Since it is informatory in nature and is done automatically by the system you cannot receive the deleted message again. However, Customer can use the PULL service and receive the SMS by Sending LVB<One Space> BAL<One Space> <Customer ID><One Space> <ACCT NO> to 9282441155. Operator charges will be applicable for SMS.

Customers are requested to contact the base branch for more information on SMS Alert Service.

For cancelling the SMS alert Services, customer has to approach the Branch and submit the duly filled SMS Alert Cancellation request form.

You can de-activate the facility by sending SMS in the format”LVB<One Space> DEL<One Space><Customer ID> ” to 9282441155.
For example: A customer with customer id 123456 can de-activate by sending the SMS “LVB DEL 123456” to 9282441155.

Yes, customer can contact the branch.