New Delhi | Jagran Business Desk: With an enormous increase and growing use and reach of texting app Whatsapp in the country, Indian banks are coming up with a variety of services to be offered to the customers. With the onset of newly available services, customers can now avail the banking benefits through WhatsApp. Many commercial banks across the country including ICICI Bank, HDFC Bank, Kotak Mahindra Bank are offering WhatsApp banking. One of the major benefits of this service is that customers are getting real-time facilities through WhatsApp banking services and the facility is free of charge. Notably, To avail WhatsApp banking service, users do not have to be customers of the bank.

Some of these services offered by lenders through WhatsApp banking are:

  •        Checking account balance
  •        Last 3 Transaction details
  •        Credit card balance check
  •        Check credit limit available on credit card
  •        Block and unblock debit/credit cards anytime, anywhere
  •        Pre-approved loan offer detail
  •        Opening InstaSave Account (Savings Account) Online

Here is how customers can avail WhatsApp banking facility:

Step 1: Save the bank's WhatsApp number in the contact list and give a missed call.

Step 2: You will get a subscription after placing a missed call. You will get a welcome message from the bank's WhatsApp number.

Step 3: For any banking service to start a chat through WhatsApp, type a message 'Hi'. As per the requirement, you can choose the further option.

To avail this facility from different banks, follow these steps:


Save the number 8640086400 to your contact list and send a 'Hi' to start the conversation once you have a secure and interactive menu on your mobile screen through the WhatsApp messaging platform. The bank will give details of whatever facility is available.


Send SMS or give a missed call to 70659 70659 from the mobile number which is registered with the bank. Bank services are available 24/7 x 365 (even on holidays). Save the number 70659 70659 in your contact list and send 'Hi' to it. After sending the message, you will get a welcome message from there!

Kotak Mahindra Bank

Place a missed call on 9718566655 from your mobile number. Save 022 6600 6022 to your mobile contact list. Go to WhatsApp, send a message 'help' to know the list of available services.

To be secure while banking or at the time of availing any such services, users need to note that details like financial information, account information are sensitive. Therefore, caution is needed. Users should keep their phone and WhatsApp account safe at the time of practicing any such facility.

Posted By: Simran Babbar