Banking has evolved a lot in past 10 years from branch banking to Online Banking, SMS Banking, Mobile (App) Banking etc and now the new trend is WhatsApp Banking.
While not all banks have WhatsApp banking services for now, only HDFC, ICICI & Indusind have these services enabled for their customers. Let’s see what they can help us with. Here we go,
ICICI Whatsapp Banking
- ICICI Whatsapp banking Number: +919324953001 (New no: 8640086400)
ICICI Bank is the recent one to introduce Whatsapp Banking to their customers. Without any expectations, I stated testing random queries and to my surprise, they have implemented this AMAZINGLY well.
From checking balance/mini stmt of Savings ac to checking basic details of Credit cards, you can do all of that via ICICI Bank’s Whatsapp banking service.
Infact they have designed a nice and simple tile design for credit card related requests. That’s great attention to small details. Here are some requests I did and their auto-bot responses:
Indusind Whatsapp Banking
- Indusind Whatsapp Banking Number: +91-22-44066666
If I’m not wrong, IndusInd was the first to launch whatsapp banking service as I remember testing it a while ago.
This one is more of chat type but is restricted to only savings a/c and nothing related to Credit card is active at the moment.
Here are some results to my queries.
HDFC Whatsapp Banking
- HDFC Whatsapp Banking Number: +91-7065970659
With a very high expectation, I recently tested the HDFC Whatsapp banking service and I was disappointed that it serves more like a google search instead of any useful user specific answers.
Except the EMI loan eligibility on Debit card, most other queries simply throws your answers with links.
It could be useful for some, but rather it would be amazing if it shows details of accounts & credit cards in real-time just like what ICICI have done.
Update: Now I see Kotak too has enabled WhatsApp Banking services for their customers.
It’s good to see that banks are following the new trend by launching WhatsApp services but what’s the point of having such a service just for the sake of having it?! Except ICICI, rest two needs major improvement to be of any use to the customers.
While I understand some transactions may not be done on the platform for security reasons, it would be great atleast if the basic functions are enabled like Reset ATM PIN, view credit limit/ Ac balance/ last 5 txns, rewards, etc.
That said even the mobile banking apps need to be improved for most banking services as they’re neither smooth enough to use nor have the most important functions.
Have you tried WhatsApp banking services? Do share your experiences in the comments below.