Can Anyone Help with Adding a Canadian Mobile Number to an Indian Bank Account for Receiving OTPs?

To add a Canadian mobile number to your Indian bank account for receiving One-Time Passwords (OTPs), follow these general steps. Please note that specific procedures may vary depending on the bank:

Logging into Your Online Banking

Begin by accessing your Indian bank's online banking portal or mobile app.

Navigating to Profile Settings

Find the section related to personal information or contact details, which is usually under settings or a “profile” tab.

Updating the Mobile Number

Look for an option to add or update your mobile number. Enter your Canadian mobile number here.

Verification Process

The bank may require you to verify the new mobile number. This could involve sending a verification code to your new number. Ensure you complete this step accurately to avoid any issues.

Contacting Customer Support

If you encounter any problems updating the number online, contact your bank's customer support. They may require you to fill out a form or provide identification to verify your change.

Checking for International SMS Support

Make sure your bank supports sending OTPs to international numbers. Some banks may have restrictions or specific processes for international numbers, so it's important to confirm before proceeding.

Using Virtual Numbers

If challenges arise with receiving SMS on a Canadian number, consider using virtual number services that can receive SMS on your behalf.

Keeping Backup Options

Maintain access to your original mobile number or use alternative methods for authentication like email or authentication apps. This ensures you can still access your account in case of unexpected issues.

It's advisable to check with your specific bank for any unique requirements or policies they may have regarding international mobile numbers.

Example: Bank of India’s STAR Token System

Bank of India’s STAR token system is an innovative solution that doesn't require you to add an Indian mobile number for OTP verification. You can use this token to identify your account from any location. Here's how it works:

Star Token Setup

When you try to log in to your internet banking, you need to download and use the STAR token software on your laptop, mobile, or PC. Each session requires a separate 'token password'. This eliminates the need to receive SMS OTPs.

This feature is particularly useful if you're traveling internationally, as no SMS traffic is required for your transactions.

Alternatives for Receiving OTPs Abroad

If your Indian bank only accepts an Indian mobile number and you need to operate your bank account from Canada, your only option may be to use a virtual number service. These services can receive SMS on your behalf, allowing you to bypass the need for a local cellular number.

Alternatively, consider using a dual-SIM phone with an Indian SIM card in one SIM slot and a Canadian SIM card in the other. Keep in mind that this solution can be complex and may not be universally accepted by all banks.

For any issues or concerns, always contact your bank's customer support or visit the nearest branch for assistance. Following these steps should help you navigate the process of adding a Canadian mobile number to your Indian bank account for OTP verification.