Can we change bank account phone number online in india

 

How to Change Bank Account Mobile Number Online in India: 10 Major Banks

Updating the registered phone number linked to your bank account is critical for receiving instant debit/credit alerts, high-value transaction notifications, and One-Time Passwords (OTPs) required for two-factor authentication.

Under updated Reserve Bank of India (RBI) digital banking security frameworks, changing your contact details requires multi-factor authentication (dual-OTP verification across old and new SIMs, ATM IRIS/Debit PIN validation, or video re-KYC).

3 Core Verification Modes for Phone Number Updates

1. Dual OTP Verification: Banks send simultaneous OTPs to both the existing registered number and the new number (e.g., SBI IRATA SMS framework).

2. Debit Card & ATM Kiosk Validation: Authenticate the request online and complete approval at the nearest bank ATM using your debit card PIN.

3. Branch/Re-KYC Flow: If the old mobile number is inactive, lost, or deactivated, the update requires Aadhaar-based biometric e-KYC or a branch visit with photo ID.

Step-by-Step Guide for 10 Major Indian Banks

1. State Bank of India (SBI)

• Portal: SBI Online Internet Banking

• Steps:

  1. Log in to SBI NetBanking.

  2. Navigate to My Accounts & Profile > Profile > Personal Details / Mobile Number Update.

  3. Enter your Profile Password and click Change Mobile Number-Domestic only (Through OTP/ATM).

  4. Enter the new 10-digit mobile number and submit.

  5. Select an approval mode:

     • By OTP on both Mobile Numbers (IRATA)

     • IRATA SMS verification via ATM

     • Approval through Contact Centre

2. HDFC Bank

• Portal: HDFC Bank NetBanking / HDFC MobileBanking App

• Steps:

  1. Log in to NetBanking and select Profile / Update Contact Details.

  2. Click Update Mobile Number and enter your new mobile number.

  3. Authenticate the change using Debit Card details (Card Number, PIN, Expiry) and OTP.

  4. Once confirmed, changes reflect within 24–48 hours.

3. ICICI Bank

• Portal: ICICI Bank iMobile Pay App

• Steps:

  1. Open and log in to the iMobile Pay App.

  2. Go to Services > Account Services > Update Contact Details.

  3. Enter the new mobile number and proceed.

  4. Complete verification via Debit Card Grid authentication and OTP sent to the existing mobile number.

4. Axis Bank

• Portal: Axis Mobile App / Axis NetBanking / ATM

• Steps:

  1. Insert your Debit Card at any Axis Bank ATM and enter your 4-digit PIN.

  2. Select Registrations > Mobile Number Update.

  3. Enter your new mobile number and re-confirm.

  4. Authenticate via OTP sent to the registered SIM.

5. Punjab National Bank (PNB)

• Portal: PNB One App / PNB NetBanking

• Steps:

  1. Log in to PNB One or NetBanking.

  2. Go to My Profile > Update Mobile Number.

  3. Enter the new number and enter your Transaction Password.

  4. Authorize via OTP sent to the active number.

6. Bank of Baroda (BoB)

• Portal: bob World App

• Steps:

  1. Log in to the bob World mobile app.

  2. Go to More > Services > Update Mobile Number.

  3. Enter the new 10-digit mobile number.

  4. Complete authorization via MPIN and SMS verification.

7. Canara Bank

• Portal: Canara ai1 App / NetBanking

• Steps:

  1. Log in to Canara Internet Banking or the ai1 app.

  2. Go to Profile Settings > Change Mobile Number.

  3. Enter your new mobile number.

  4. Authenticate using your Debit Card details and the OTP sent to your existing number.

8. Kotak Mahindra Bank

• Portal: Kotak Net Banking

• Steps:

  1. Log in to Kotak NetBanking.

  2. Click Profile / Manage Profile > Contact Details.

  3. Click the edit icon next to the mobile number.

  4. Complete verification via Debit Card details or OTP sent to the old number.

9. IndusInd Bank

• Portal: IndusMobile App / IndusNet

• Steps:

  1. Open the IndusMobile app.

  2. Navigate to Service Requests > Update Contact Details.

  3. Enter the new mobile number and authenticate with your MPIN and OTP.

10. Yes Bank

• Portal: Yes Online Banking / Yes Mobile

• Steps:

  1. Log in to Yes Bank NetBanking.

  2. Go to My Profile > Personal Details > Update Contact Number.

  3. Enter your new mobile number and authenticate via OTP verification.

Bank Mobile Number Update Methods Comparison

Bank	Online App / NetBanking	ATM Kiosk Verification	Dual OTP Needed?	Turnaround Time (TAT)
SBI	Yes	Yes	Yes (IRATA)	24–48 Hours
HDFC Bank	Yes	Yes	No (Debit Card Grid)	24 Hours
ICICI Bank	Yes	Yes	Yes	Instant – 24 Hours
Axis Bank	Yes	Yes	No	24 Hours
PNB	Yes	Yes	Yes	24–48 Hours
Bank of Baroda	Yes	Yes	Yes	24 Hours
Canara Bank	Yes	Yes	Yes	24–48 Hours
Kotak Mahindra	Yes	Yes	Yes	24 Hours
IndusInd Bank	Yes	Yes	No (Debit Card Validation)	24 Hours
Yes Bank	Yes	Yes	Yes	24 Hours

Important Security Rules for Contact Updates

• Do Not Share OTPs: Bank representatives, support executives, or IVR systems will never ask for your NetBanking password, PIN, or update OTP.

• Cool-off Period: For fraud prevention, many banks enforce a 24-hour cool-off period after a mobile number change during which high-value IMPS/NEFT transfers are capped or temporarily disabled.

• Update UPI Profiles: After updating your phone number with your bank, re-link your UPI IDs on payment apps (such as BHIM UPI) using the new SIM in the primary slot of your phone.

Frequently Asked Questions (FAQs)

Can I change my bank account mobile number online without my old SIM card?

No. If your old SIM is deactivated or lost, you cannot complete dual-OTP online authentication. You must visit your bank branch with a valid government identity document (such as PAN, Passport, or Voter ID) or use a biometric ATM kiosk to update the number.

How long does it take for a mobile number change to reflect in bank records?

Most automated online updates take between instant to 48 hours. Critical transaction SMS alerts switch to the new number immediately after successful authentication.

Is it mandatory to update my phone number across all linked joint accounts?

Yes. Each primary and secondary account holder must maintain a distinct, valid mobile number for independent OTP and SMS delivery.