SMS Banking

You want banking convenience; we’ll give it to you at a touch of a button



We provide you with immediate access to your Bank, 24 hours a day, 7 days a week. You now keep in touch with your family, friends and your Bank at your fingertips.



After registering for this service, you can get up-to-the-minute Bank account / Credit Card information through an SMS - anytime, anywhere**. This service is FREE* of charge.



Once you receive the Welcome Message on your mobile phone, you need to activate your SMS Banking PIN in order to start using the service.


How to activateHow to use the serviceSMS Service CodesTo start using SMS Banking:

Type RG, give a space, then type a 4 digit PIN of your choice
Send to 722
For example, if you select 1234 as your 4 digit PIN code, send RG 1234 to 722


To use any of our SMS Banking services –>
Just type the required Service Code, give a space and type your 4 digit SMS Banking PIN Send to 722For example: AB 1234
For multiple Bank Accounts/Credit Cards -
If you have more than one bank account or Credit Card registered with your mobile number on SMS Banking then the system assigns an alphabetical tag to each of them.
For example: ‘a’, ‘b’, ‘c’, etc.

In such a case, to access a particular account / Credit Card information, after type the service code and your PIN then give a space and type -
‘A’ for first account/Credit Card,
‘B’ for second account/Credit Card or
‘C’ for third account/Credit Card and so on.
For example: MS 4534 B


Service Codes
CREDIT CARD SERVICES
View last credit card bill BILL(space)
Check available credit limit LIMIT(space)
View current outstanding balance OB(space)
Check minimum payment amount due MP(space)
View last five transactions FT(space)
View Treasure Points available TP(space)
BANK ACCOUNT SERVICES
Check current account balance BALANCE (space)
Mini Statement (last 5 transactions) MS (space)
OTHER SERVICES
To view all commands HELP
Activate Service RG (space)<4 digit PIN>
Change SMS Banking PIN PC (space)(space)
For more information on the choices available

Those who have managed credit poorly in the past

Those who have managed credit poorly in the past. "Their behavior was so poor that no one will lend them credit," says Watts.

It's difficult to make assumptions about income, too. "It tends to be lower -- and some middle -- income," says Nick Jacobs, spokesman for the National Foundation for Credit Counseling, an umbrella group of local nonprofit credit counseling services. "There are some middle-income people who just haven't built up enough of a file yet."

But some very wealthy individuals are also living without credit. "The very wealthy often don't have credit," says Linda Sherry, spokesperson for Consumer Action, a D.C.-based advocacy group. "They have no need for it -- they pay for things with their checkbooks."

long time without using a credit card

•Retirees. If they've gone a long time without using a credit card and the mortgage is paid off, they may have little or no credit history, says Watts.

•Older widows and divorcees. If a couple routinely kept the mortgage, bills and credit cards in the husband's name and he dies or leaves, the woman is starting with a blank slate. But this situation is much less common than it was 30 years ago, according to credit experts. "Most people know to have both names on the account, so that it appears on her history," says Sweet.

•Those who purposely abstain from seeking credit. For some people, the decision to live without credit is voluntary and not an accident or matter of temporary circumstance. "They might have philosophical, political or religious reasons" for living a cash-only life, says Watts.