USER GUIDELINES FOR MOBILE BANKING

Welcome to SMS Banking - Another innovative utility for the benefit of its techno savvy
customers by CANARA BANK. An ordinary mobile phone can make your banking
experience more friendly and enjoyable by letting you stay connected with your account
at any time. SMS Banking is independent of the handset model and you can avail this
facility from most of the service providers (GSM/CDMA).All that you have to do is to
enter simple text messages for operating Mobile Banking.

Under Core Banking environment, we have introduced the SMS (Short

Messaging Services) under Mobile Banking facility with the following
enhanced facilities:

1. SMS Request/Enquiry Facility (SMS PULL Services)

2. SMS Alerts Facility (SMS PUSH Services)
3. Email Alerts Facility.

This SMS Services with enhanced features will be extended

only to the Retail customers of Core banking branches for
enquiring and getting alerts. SMS request/enquiry facility is
on-line and real time basis available 24/7. Whereas, SMS /
Email Alerts facility will not be real time and you would receive
the same within 30 minutes from the time of transaction in the
account for which alert to be sent.

What I need for Mobile Banking?

• Mobile phone which supports SMS (GSM or CDMA)

• Registration of Email_id and Mobile numbers with our Branches
by submitting an application to the Branch.

BUILT-IN SECRECY AND SECURITY :

1. You should have been registered your mobile

number or Email_id for both SMS Request/Enquiry
and Alerts and Email Alerts facilities with the Bank.
2. While processing the SMS requests/enquiries, system
will check whether the request is from the same
mobile number which has been registered for your
Customer ID. If requests received from any other
mobile numbers, system will not respond to such
requests.
3. System will validate account numbers against the
customer number while processing SMS
Requests/Enquiries.

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 4. System will validate cheque numbers against
account number while processing SMS Requests.
5. System is not insisting for any user_id or passwords
while processing SMS Requests.
6. The messages exchanged between Bank and SMS
Carriers is traveling in encrypted format and in a
secured communication channel i.e. Secured Socket
layer.
7. You would be receiving the messages in text format
from your mobile service providers.

I. SMS Request/Enquiry Facility :

1. How to enroll for SMS Request/enquiry facility?

• All you have to do is to collect Mobile Banking application from

your home branch and submit the same in duplicate.
Alternatively, the application form can be downloaded from the
home page of the Bank’s Internet Banking Website -
www.canarabank.in and submit in duplicate.
• In the Application, you have to specifically request for SMS
Request Facility.
• Know your customer ID from the Branch for the purpose of
using SMS Request facility and note down the same.
• Details of Email_id and Mobile numbers (With country code)
from which SMS request facility is accessed should be invariably
mentioned very clearly in the application.

2. What are facilities available in SMS Request/Enquiry and

How to use it ?

Following facilities available to you

• Registration for SMS Banking

• Change of primary account
• View of balance in CASA
• View of Term Deposit details
• Issued Cheque status
• View of last 5 transactions
• De-register for SMS Banking
• Help message for Keywords

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 1. You are requested to note down 13 digit account numbers of
your operative account numbers and term deposit numbers. If
these particulars are not available with you, please get the same
from the Branch.

2. You should memorize your customer ID for sending SMS

Requests since all your requests are serviced based on
customer ID only.

3. You need not come to the Bank, if you have already provided
your mobile number for registration to SMS Banking Service to
the Bank. You can straight away register for this service by
sending registration message through SMS.

4. Know the usage of Keywords. Please refer keywords summary

below.

5. All the SMS need to be sent to short digit ‘6161’ only .

6. Currently, this facility is available for retail customers only.

7. As of now this facility is not available for loan accounts.

8. SMS should be sent from the same mobile number registered

with the Bank.

9. Bank does not charge any service fee for sending back the reply
till 30.04.2007.

3. What is the Procedure for registration through mobile phone

to be done by me ?

Following sequence to be following exactly in order to register yourself

for the service.

1. Your mobile number should have been registered by the Bank for
the facility against your application.

2. Mobile number Registration to be done by you as a one time

measure using the same mobile number furnished to the Bank.
The following message is to be sent to 6161 for registration.

CANREG <Customer ID> or canreg <Customer ID>

Eg : CANREG 12345 or canreg 12345

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 System will mark the earliest opened and live operative account
as your primary account.
In order to register for a specific account , type the following
message:

CANREG <Customer ID> <A/c No.> or canreg

<Customer ID> <A/c No.>
Eg: CANREG 12345 0667111091519 or canreg 12345
0667111091519

System will mark the account number mentioned by you in your

SMS message as your primary operative account.

3. System will register you for SMS Banking service and sends a
welcoming message for mobile banking service of the bank.
4. In case you are trying to send message from a different mobile
number that is not registered with Bank, you would be receiving
appropriate error message from the system.

4. How can I enquire present balance/liability in my account ?

Send the following SMS message to 6161.

CANBAL <Customer ID> or canbal <Customer ID>

Eg : CANBAL 12345 or canbal 12345

System will respond with current balance/liability in your primary

operative account.
For the balance of a specific account , type the following
message:

CANREG <Customer ID> <A/c No.> or canreg

<Customer ID> <A/c No.>
Eg: CANREG 12345 0667111091519 or canreg 12345
0667111091519

System will respond with the current balance/liability in the

operative account mentioned above by you in your SMS
message.

5. How can I enquire last 5 transactions in my account ?

Send the following SMS message to 6161.

CANTXN <Customer ID> or cantxn <Customer ID>

Eg : CANTXN 12345 or cantxn 12345

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 System will respond with a list of immediate previous 5
transactions in your primary operative account.
For the transactions of a specific account , type the following
message:

CANTXN <Customer ID> <A/c No.> or cantxn

<Customer ID> <A/c No.>
Eg: CANTXN 12345 0667111091519 or cantxn 12345
0667111091519

System will respond with a list of immediate previous 5

transactions in the specified account mentioned by you in your
SMS Message.

6. How can I change my primary operative account ?

In case you are holding more than one operative accounts under same
Customer ID, this option helps you to change your primary operative
account whenever you desire to do so.

Send the following SMS message to 6161.

CANACC <Customer ID> <A/c No.> or canacc

<Customer ID> <A/c No.>
Eg: CANACC 12345 0667254001520 or canacc 12345
0667254001520

System will respond with appropriate message for having

changed your primary operative account. Henceforth, the
account number mentioned by you in your SMS message would
be your primary operative account.

7. How can I enquire about my Term Deposit Accounts ?

This option helps to enquire about term deposits with respect to

principle amount, rate of interest, maturity date, current balance, etc.,

Send the following SMS message to 6161.

CANTDQ <Customer ID> or cantdq <Customer ID>

Eg : CANTXN 12345 or cantxn 12345

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 System will respond with a list earliest opened 3 term deposits
account particulars belonging to you. You may be receiving 2 or
3 messages as response containing the required details.
For the details of a specific term Deposit account , type the
following message:

CANTDQ <Customer ID> <A/c No.> or cantdq

<Customer ID> <A/c No.>
Eg: CANTDQ 12345 0667303000003 or cantdq 12345
0667303000003

System will respond with the details of Term Deposit account

mentioned by you in your SMS Message.

8. How can I enquire status of a cheque issued by me ?

This option helps to enquire about status of a cheque as to whether

paid or unpaid or Stopped. Always cheque issued against your
primary operative account can be enquired using this option. In case
you want to inquire status of a cheque issued in an operative account
other than your primary account, first you have to change your primary
account as explained above and send the message.

Send the following SMS message to 6161.

CANCHQ <Customer ID> <Cheque No.>

Or
canchq <Customer ID> <Cheque No.>
Eg : CANCHQ 12345 4455661 or canchq 12345
4455661

System will respond with the status of cheque as to whether paid

or unpaid or stopped.

9.. How can I de-register from SMS Request/Enquiry facility ?

This option helps to de-register yourself from the SMS Request/Enquire

facility. This option would help you in case you are changing mobile
number or you do not want to use the facility any more.

Send the following SMS message to 6161.

CANDEL <Customer ID> or candel <Customer ID>

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 Eg : CANDEL 12345 or candel 12345

System will respond with a message that you are successfully de-
registered from the services.

10. How can help on keywords to be used for usage of the

facility ?

This option helps to know the various keywords and the purpose of its
usage.

Send the following SMS message to 6161.

CANHLP or canhlp

System will respond with the various keywords and its functionalities.

11. Any Charge/Fee is to be paid by me for availaing the

services ?

Till 30.04.2007 all the above 3 facilities are free of any charges.

12 . Frequently asked questions on SMS Request/Enquiry

Facility :

a. Whether registration of my mobile number is a must in

my home Branch of the Bank?

 Yes. Registration with the Bank is first and top-most

requirement for availing the facility.

b. Whether registration from my mobile is required for

availing the services ?

 Yes. Registration from your mobile number is a must. This

is to be done after the Bank registers your mobile number
for the services. Otherwise you would not be in a position
to use the services.

c. Whether I have to spend any amount for availing this

service ?

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  Bank will not be charging you for availing this facility till
30.04.2007. But you would be charged by your Mobile
Service provider for sending messages through SMS.

d. What I should do in case I do not require the facility any

more since I am changing the mobile number or not
interested in further availing the service ?

 First you de-register yourself from the SMS services of the

Bank as said above and inform your home branch to de-
register mobile number from the facility by submitting a
letter in writing.

e. What Should I do in case I am changing the Mobile

Number and want to continue with the facility ?

 Before you change the mobile number, please de-register

yourself from the SMS services of the Bank using the
existing mobile number. Inform your home branch to
register the new mobile number for the facility by
submitting a letter in writing. After our branch registers the
new number, please do registration from the new mobile
number for continuation of service.

f. What happens if the message formats sent by me are not

correct ?

 System will give message saying that “we are unable to

carryout your instructions currently. Please try later.”

g. What happens if I try from a different mobile number not

registered with the Bank?

 System gives message that This Mobile Number is not

registered against the Customer ID.

h. What happens if Customer ID sent in the message is

wrong ?

 System will give a message saying that This Mobile

Number is not registered against the Customer ID.

i. What happens if the A/c No. mentioned by me in the

message is wrong ?

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  System will give message saying that “we are unable to
carryout your instructions currently. Please try later.”

j. What happens in case the cheque number fed by me is

wrong ?

 System will give message saying that “Cheque number

invalid”

k. What happens in case cheque number pertains to an

account other than primary account ?

 System will give message saying that “Cheque number

invalid”

l. To which number I should send SMS Messages ?

 Always you send SMS message to 6161.

m.Sometimes I not able to send SMS Messages. Sending

Message failed error is encountered. What should I do ?

 There may be temporary problem with your Mobile service

provider or with the signal reception in your mobile phone.
Please check with your mobile service provider in case
problem continues.

n. Which are all the Mobile Service Providers supported for

this facility ?

 Reliance, BSNL, MTNL, AIRTEL, DPL, AIRCEL, TATA INDICOM,

IDEA, HUTCH, SPICE

o. How the response sent by the system can be read by me ?

 Response will be available in inbox of your messages in

mobile phone. Just select and Read the message and scroll
down for details.

p. In Messages, between the each word/parameter how

many spaces should be given? Whether space is a must?

 Between each word/parameter one space is compulsory. You

should not give more than one space between each

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 word/parameter. More than one space would be treated as
wrong message format by the system.

13. USAGE RULES OF SMS REQUEST/EQNURIES :

Sl. Key Message Format Purpose Response from the

No. Words system if operation is
successful.
1. CANREG CANREG <Customer No> Registration for Mobile You are registered for
or banking service with the Mobile Banking
canreg earliest opened account as Services of Canara
primary account. Bank. Thank you.

CANREG <Customer No> Registration for Mobile You are registered for
<A/c No.> banking service with the Mobile Banking
account number entered by Services of Canara
you as primary account. Bank. Thank you.

2. CANACC CANACC <Customer No> For changing the primary Your default account
or <Acct.No> account number has been changed
canacc successfully.
3. CANBAL CANBAL <Customer No> For balance inquiry of Balance is INR …..
or primary account A/C No………
canbal
CANBAL <Customer No> For balance inquiry of other Balance is INR …..
<Acct.No> account A/C No………
4. CANTDQ CANTDQ <Customer No> For inquiry of first 3 Term Account no. …..Prin
or Deposit accounts Amt …. Int Rate…..
cantdq ….Due Dt. ……. Bal
amount ….. ( splitted
into 2 or 3 messages)
CANTDQ <Customer No> For TD inquiry of a specific Account no. …..Prin
<Acct.No> account Amt …. Int Rate…..
….Due Dt. ……. Bal
amount …..
5. CANCHQ CANCHQ <Customer No> For status enquiry of cheque Chque Paid / Unpaid /
or <Cheque No> issued against primary Stopped and cheque
canchq operative a/c number.
6. CANTXN CANTXN <Customer No> Enquiry of last five Last five transactions
or transactions in primary in primary account is
cantxn account. displayed

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 CANTXN <Customer No> Enquiry of last five Last five transactions
<Acct.No> transaction of other account. in the a/c number
stated in the message
is displayed
7. CANDEL CANDEL <Customer No> To disable himself from You have been
or SMS facility. deregistered from
candel SMS Banking
Services. of Canara
Bank.
8. CANHLP CANHLP System gives list of all the All keywords and
or above keywords and their their functions.
canhlp functions

II. SMS / Email ALERTS FACILITY :

Features of SMS / EMAIL – Alerts Facility :

1. What are facilities available in SMS /Email Alerts Facility and

How to use it ?

System will automatically send an alert message to your either

through SMS /Email on following events in your accounts in
case you have registered for alerts.

• When a Debit/Credit Transaction amount is above Rs. 10,000/- or

the amount specified by you whichever is higher in any of your
operative accounts which are registered for alerts facility.
• Monthly alert on Present Balance/liability in any of your operative
accounts which are registered for alerts facility.
• Overdraft alert when any of your operative accounts goes to debit
balance or exceeds the limit.

2. Any Charge/Fee is to be paid by me for availing the

services ?

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Till 30.04.2007 all the above 3 facilities are free of any charges.

3. How to enroll for SMS /Email Alerts facility?

• All you have to do is to collect Mobile Banking application from

your home branch and submit the same in duplicate.
Alternatively, the application form can be downloaded from the
home page of the Bank’s Internet Banking Website -
www.canarabank.in and submit in duplicate.

• In the Application, you have to specifically request for SMS/Email

Alert Facility or both.

• Details of Email_id and Mobile numbers (With country code) to

which alerts are to be sent is required to be invariably mentioned
in the application very clearly.

The following details with requisite values are also to be

furnished in the application by you for SMS/Email Alerts facility.

Alert Type Amount / Facility Facility Alerts

Periodicit Required require throug
y or not d for h Email
(Minimum A/C No. or SMS
Amt Rs. or
10,000/-) Both
Credit/Debit Amount to Required /
Transaction be more Not
Alert than Rs. Required
10,000/-
Monthly Monthly Required /
Balance / Not
Liability Alert Required
Overdrawings Any Required /
/ TOD Alerts Amount Not
Required

4. How the alerts messages would be from the System ?

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In case of Credit/Debit transactions alerts, the alert message
would be “An Amount of INR ……………….. Debited/Credited to
your Account ……………………”

In case of Monthly Balance/Liability alert, the alert message

would be “ Available amount in your Account No……………… as
of <date & time> is INR………………………….

In case of Overdrawing/TOD alert, the alert message would be “

There is an overdrawing in you Account …………………. Of INR
…………………..”

GET REGISTERED AND GET CONNECTED

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