User Guide for SMS Based Mobile Banking (Manual SMS Flavor)

Any mobile phone capable of sending and receiving SMS can be used for SMS Based Mobile Banking. The user has to create an SMS in the following predefined format(s) according to the service required by him and send the same to our fixed number-5607040.

 

Facilities available:

·         View account balance

·         Online Mini Statement(Quick View of last 10 transactions)

·         Transfer of funds to own accounts (within PNB)

·         Generate MMID

·         IMPS ( Immediate Payment Service) – Transfer of funds to Third Party accounts within PNB as well as Interbank Fund transfers

·         Cheque Status inquiry

·         Stop payment of cheque

·         Cheque Book request

·         Changing SMS Password

 

(*Note: Daily limit for funds transfer using SMS including through IMPS is Rs. 5000/-)

 

Steps for using Manual SMS:

 

The above facilities can be availed by just sending an SMS from your mobile handset to the fixed number 5607040. The SMS should be in a predefined format (table given below). SMS can be sent only from the Mobile number registered with PNB for Mobile Banking facility.

 

Codes for ‘View Only Facility’:

 

Facility

Short Code

Format of the SMS Message

Example*

Balance Inquiry

BAL

BAL<space> 16 digit A/C NUMBER

BAL 015300XXXXXXXXXX

Mini Statement Inquiry

MINSTMT

MINSTMT <space> 16 digit A/C NUMBER

MINSTMT 015300XXXXXXXXXX

A/c Statement Request

STMT

STMT <space>Month<space> 16 digit A/C NUMBER

STMT  JAN 015300XXXXXXXXX

Stop payment of cheque

STPCHQ

STPCHQ <space> CHEQUE NUMBER <space>16 digit A/C NUMBER

STPCHQ cccccc 015300XXXXXXXXXX

Cheque Status Inquiry

CHQINQ

CHQINQ <space> CHEQUE NUMBER <space> 16 digit A/C NUMBER

CHQINQ ccccc 015300XXXXXXXXXX

Cheque book request

CHKBK

CHKBK <space>ACCOUNT NUMBER<space> MBANKING USERID<space> NUMBER OF LEAVES FOR CHEQUE BOOK

CHKBK 015300XXXXXXXXXX AAAAAAAAA 20

Change SMS Password

CHNGPWD

CHNGPWD<space>SMS PASSWORD<space> NEW SMS PASSWORD

CHNGPWD 2222 3333

 

( where SMS Password =2222; A/c no. = 015300XXXXXXXXXX; cheque no. =cccccc; User id=AAAAAA; New SMS PW=3333)

 

Codes related to Fund Transfer -Facility

Self Transfer of funds

SLFTRF

SLFTRF <space>FROM ACCOUNT NUMBER<space>TO ACCOUNT NUMBER<space>AMOUNT

SLFTRF 015300YYYYYYYYYY 015300XXXXXXXXXX 100

IMPS

Intra bank and Interbank remittance up to Rs. 5000/- per day per customer

Generate 7 digit MMID

MMID

MMID

MMID

You will be receiving a list of MMIDs mapped with the all accounts linked to your user Id.

To Cancel MMID

MMIDCANCEL

 

 

MMIDCANCEL

MMIDCANCEL

This cancels all the MMIDs generated

Method 1 for Fund Transfer

IMPS  

IMPS<space>Beneficiary Mobile No<space>Beneficiary MMID<space>Amount<space>IMPS PIN

 

* IMPS PIN is a seven digit no. which is combination of 4 digit SMS password  and last 3 digits of Remitter’s MMID

IMPS 9999999999 1234567 100 2222111

Method 2 for Fund Transfer

IMPS  

IMPS <space>XXXX <space>Debit Account No<space> Beneficiary Mobile No<space>Beneficiary MMID<space>Amount

IMPS 2222 015300YYYYYYYYYY 9999999999 1234567 100

 

 

*This facility through SMS is free of charge by the Bank. However, telecom charges on SMS would be as per tariff of the telecom service provider.