How to Update Your Mobile Number in Bank Account

Your registered mobile number is the key to your entire banking life. OTPs for transactions, account alerts, mobile banking, UPI — everything depends on it. If you have changed your phone number or lost access to your old one, updating your mobile number with the bank should be your immediate priority. Here is the complete guide on how to do it.

Why Is Updating Your Mobile Number Critical?

• Transaction OTPs: Online banking, UPI, and net banking transactions require OTPs sent to your registered number.
• Account alerts: Debit/credit alerts, balance notifications, and suspicious activity warnings come to your registered number.
• Mobile banking and UPI: These services only work with the phone number registered with your bank.
• Aadhaar-based services: If your Aadhaar-linked number differs from your bank-registered number, e-KYC and certain services will fail.
• Security: If someone else now has your old number, they could potentially receive your banking OTPs.

Method 1: Update at the Bank Branch (Most Reliable)

This is the most universally accepted method and works with every bank:

1. Visit your home branch (the branch where your account was opened). Many banks now allow this at any branch.
2. Carry the following documents:
   • Bank passbook or account statement.
   • Original Aadhaar card (for identity verification).
   • PAN card.
   • Your new SIM card (installed in your phone — the bank may send a test OTP to verify).
3. Fill the mobile number change request form. This form is available at the branch.
4. Submit the form with a self-attested photocopy of your Aadhaar.
5. Verification: The bank staff verifies your identity and processes the request.
6. Timeline: The update usually takes 1-3 working days. You will receive a confirmation SMS on your new number once updated.

Method 2: Update via ATM (Select Banks)

Some banks allow mobile number updates through their ATMs:

1. Insert your debit card in the ATM.
2. Enter your ATM PIN.
3. Select “Registration” or “Services” from the menu.
4. Choose “Update Mobile Number” or “Register Mobile Number.”
5. Enter your new 10-digit mobile number.
6. Confirm and submit.
7. You will receive a confirmation on your new number within 24-48 hours.

Banks that commonly support this: SBI, PNB, Bank of Baroda. However, some banks have restricted this method for security reasons, so it may not always work.

Method 3: Update via Net Banking (If You Have Access)

If you still have access to your old mobile number and net banking:

1. Log in to your internet banking account.
2. Go to “Profile” or “Personal Details” or “Service Requests.”
3. Select “Change/Update Mobile Number.”
4. Enter your new mobile number.
5. An OTP will be sent to your old mobile number for verification.
6. Enter the OTP and confirm.
7. A second OTP may be sent to the new number for double verification.

This method only works if your old number is still active and in your possession. If you have already lost access to the old number, you must visit the branch.

Method 4: Update via Customer Care

Some banks allow mobile number change requests through their customer care helpline:

1. Call your bank’s customer care number from your registered (old) mobile number.
2. Navigate to the IVR menu and select the relevant option.
3. Provide account details and verification information.
4. Request the mobile number change.

Important: Most banks do NOT allow mobile number changes via phone call for security reasons. This method has limited availability and usually only works if you are calling from your currently registered number.

What If You Have Lost Access to Your Old Number?

This is the most common scenario — you changed your SIM, switched carriers, or lost your phone. Here is what to do:

1. Visit the branch in person. This is the only reliable option when you cannot access your old number.
2. Carry extra documentation: The bank may ask for additional identity verification since OTP-based authentication is not possible.
3. Be prepared for extra checks: The branch may require you to answer security questions, verify your signature, or provide other proofs of identity.

Bank-Specific Customer Care Numbers

• SBI: 1800 11 2211 (toll-free) or 1800 425 3800
• HDFC Bank: 1800 202 6161 (toll-free)
• ICICI Bank: 1800 102 4242 (toll-free)
• Axis Bank: 1860 419 5555
• Bank of Baroda: 1800 102 4455 (toll-free)
• PNB: 1800 180 2222 (toll-free)
• Kotak Mahindra Bank: 1860 266 2666

After Updating: What to Do Next

Once your new mobile number is registered, make sure to:

• Re-register for mobile banking on your bank’s app.
• Update your UPI apps (GPay, PhonePe, etc.) with the new number.
• Test with a small transaction to ensure OTPs are coming through.
• Update your mobile number in Aadhaar as well (if not already done) to keep everything consistent.
• Update the number in any auto-pay or mandate-linked services.

Tips for Self-Employed Individuals

If you are self-employed and use your bank account heavily for business — receiving client payments, making vendor payments, handling UPI transactions — a mobile number mismatch can disrupt your daily business operations. Update the number immediately when you switch. Keep a record of which bank accounts are linked to which phone numbers to avoid confusion.

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