Using a bank card, customers try to be aware of the possibilities of the means of payment. One option loved by millions of credit card holders is mobile banking. As part of the service, you can link up to 8 numbers to one or more plastic payment instruments at the same time. But how to find out which number is linked to the card? There are several ways to do this, which we will discuss below.
Service Features
"Mobile Banking" is a notification from a financial institution that informs the cardholder online about account or credit card transactions. With the help of the service, the client receives information about the balance of funds after payment, transfer or withdrawal of cash, payroll and other contributions.
The service allows you to use Internet banking without restrictions. SMS notification service is providedfinancial institutions on a fee basis. At Sberbank, customers must pay 30 or 60 rubles per month for it, depending on the tariff. In Post-Bank, the cost of SMS notifications is 49 rubles per month. Tinkoff charges a monthly fee for "SMS-Bank" in the amount of 59 rubles.
Most customers know which number is linked to the card. They regularly receive notifications by phone, which was indicated in the application for connecting mobile banking.
How to find out if the service is available
It is quite easy to find out that a phone is linked to the client's card. SMS will be regularly sent to the active number after the completion of incoming and outgoing transactions on the means of payment. If the number is linked to several credit cards at the same time, the message will be sent for each of them.
But without active SMS, the service can still be connected. Some financial institutions, such as Sberbank and VTB 24, provide free notifications. They are used for logging in and transactions in the Internet banking mode, online payments, fast transfers via the P2P system. It is more difficult to find out about the availability of a service that is provided free of charge.
How to find out which number is linked to the card? Practice Methods
There are several options for obtaining information about linking a phone to plastic means of payment. All of them allow you to quickly and effortlessly get information about the connected service.
How to find out which number is linked to the card:
- perform operation;
- use "Mobile Bank" functions;
- use the self-service device;
- log in to online banking;
- come to the branch of the issuing bank;
- contact support.
Receiving information after the operation
The method is suitable for those who do not want to contact the bank or use other services. But to obtain information using this method, the card account must have funds, and the client must have a phone with an active number at hand, which must be linked to a credit card.
For the option to work, you need to perform any operation: withdraw cash or pay for goods in a store, for example. The amount of expense or income does not matter. If, after completing the operation, the client received a notification about the balance on the card via SMS, it means that his number is attached to the credit card.
The method is suitable for those who use several SIM cards at the same time or want to know which cards are linked to a phone number. To do this, you need to pay off each of the credit cards.
If SMS about the balance has not been received within 24 hours, it is possible that another number is attached to the plastic payment method, or the client uses an economical (free) version of the mobile bank. In this case, the balance notification will not be received, but the owner will be able to make a transfer or pay online.
Getting help on "Mobile Banking"
The availability of the service is easy to check without committingtransactions on the payment card account. To do this, the owner must know any of the service commands. It is enough to request a certificate on "Mobile Bank": the service is free of charge and allows you to get information about the capabilities of the service. This feature is available to Sberbank customers.
Find out which number the Sberbank card is linked to, the instruction on the request for help will help:
- a notification with the word "HELP" should be sent to number 900;
- if the service is activated, in response SMS the client will receive a message about the possibilities of the mobile bank (in points from 1 to 5);
- should send the number 5 to 900, the message will contain information about the list of cards connected to this phone number.
Message from number 900 may arrive with a delay of up to 5 minutes. If there is no binding, the client will receive an SMS stating that it is impossible to obtain information about the service. If after 5 minutes you still have not received an SMS, you should check if the phone memory is full and repeat the request.
This is one of the fastest and easiest ways to check which number the card is linked to. Customers of other banks should check to which number and which message to send for quick reference.
Getting information at the self-service device
Terminals and ATMs allow you to get information about the linked phone number at any time of the day. To do this, you should have bank cards with you, which require a certificate.
To get information through the terminal,customer must:
- insert a credit card into the device and enter the code;
- find the mobile banking section;
- check the status of the service, if there is no information, then phone numbers are not associated with this card.
Sometimes information is displayed incorrectly in the terminal. For example, a client forgot to pay for the service in the current month, and the ATM will show that the mobile banking service is completely absent. Therefore, it is recommended to check the balance and recent credit card transactions: if there was a partial write-off in favor of SMS notifications, then they may be blocked due to non-payment.
If, when connecting the service in the terminal, the client saved the receipt, he can check the current phone number in the document. This is an easier way to find out which number is linked to the card using the capabilities of the self-service device. But it should be remembered that over time, checks tend to "burn out". Therefore, it is not always possible to read what information was in the document 6 or more months after the transaction.
Appeal to bank employees
Having a card and a passport at hand, customers can get information about the numbers linked to the payment instrument from bank managers. It does not matter what the client chooses: both during a personal visit and when calling the contact center, identification is required. Therefore, the cardholder must provide not only a credit card, but also passport data.
By contacting the office, the client can request a document on linking bank cards to phone numbers. The service is provided free of charge. By calling the support service, the cardholder may request information orally. In addition to the data of the passport and card, you need to provide a code word. Some banks allow sending information by e-mail. The deadline for receiving a notification is no more than 10 days.
Obtaining a certificate in Internet banking
More than 80% of customers use the mobile service to make transactions in the Internet bank. This is one of the fastest ways to find out which number the card is linked to.
To get help, just log in. If the main card is linked to the current number, the client will immediately receive a notification about entering the Internet bank.
If there is no SMS, enter the code from the check (if possible). Next, you need to go to the client's personal account. In the section dedicated to the mobile bank, there will be information about all the cards and the numbers associated with them. For security reasons, most online banks only indicate the first 4 and last 4 digits of the payment instrument.
