Kotak Bank SMS Banking: All Codes and How to Use
Kotak Bank SMS Banking: All Codes and How to Use
Kotak Bank SMS banking lets you check your balance, get a mini statement, and request basic services by sending a keyword SMS to 9971056767 from your registered mobile number. It works without the internet, making it useful when you are in a low-connectivity area.
How to Activate Kotak SMS Banking
SMS banking is linked to your registered mobile number. If your number is already registered with the bank, you can start using it immediately. No separate activation is required.
Kotak SMS Banking Codes
- BAL to 9971056767: Get your account balance.
- MINI to 9971056767: Get a mini statement (last few transactions).
- CHEQSTATUS [cheque number] to 9971056767: Check the status of a cheque.
- BLOCK to 9971056767: Block your debit card in an emergency.
SMS banking commands are case-insensitive. You can type them in uppercase or lowercase.
How to Use Kotak SMS Banking Step by Step
- Open the SMS app on your registered mobile number.
- Create a new message.
- Type the relevant keyword (for example, BAL).
- Send it to 9971056767.
- You will receive a reply SMS from Kotak Bank within seconds.
Charges for SMS Banking
Kotak Bank does not charge for the SMS banking service itself. However, your mobile operator may charge standard SMS rates for outgoing messages. Incoming reply messages from the bank are free.
SMS Banking vs WhatsApp Banking
- SMS banking: Works on any phone, no internet, no app required.
- WhatsApp banking (1860-266-0811): More interactive menu, requires WhatsApp and internet.
Both cover balance and mini statement. SMS banking is better for basic phones or no-internet situations.
FAQ
Does Kotak SMS banking work on all mobile networks?
Yes, as long as your SIM can send SMS, Kotak SMS banking works on all major Indian networks including Jio, Airtel, Vi, and BSNL.
What if I do not receive a reply to my SMS?
Check that you are sending from your registered mobile number and that the number is correctly enrolled with your Kotak account. If the issue persists, call customer care at 1860-266-0811.
Can I check the balance of multiple accounts via SMS?
The BAL SMS typically returns the balance of the primary account linked to your registered number. For other linked accounts, use the Kotak Mobile Banking app.
Key Takeaways
- Send BAL to 9971056767 for balance, MINI for mini statement.
- Works without internet on any mobile phone.
- Your mobile number must be registered with Kotak Bank.
- No bank charge for the service; telecom SMS rates may apply.
