5 Easy Ways to Fix Bank Not Sending OTP or Security Code

Banking services today require OTP verification for every mobile transaction. This adds another layer of security to the whole process. However, network providers and bank servers can often fall behind and create a lot of unwanted problems. Since the one-time password is only valid for 10 minutes, receiving it after the window is no good. In this article, we bring you 5 simple ways to solve the “bank not sending OTP or security code” problem on your smartphone.

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Reset network settings

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If you cannot receive a one-time password from your bank, the problem may lie either with the bank or with your network provider. However, you can reset your phone’s network settings to make sure that your phone is not a hindrance in this scenario. Performing a network reset on your phone will restore the network settings back to factory settings. It’s a quick way to regain network functionality without wasting too much time fixing the problem. A network reset will unpair all your Bluetooth devices, clear saved WiFi passwords and connections, and reset all cellular settings to default. To reset your network settings, go to Settings>System>Advanced>Reset Options>Reset Network Settings. If you still do not receive a one-time password after performing a network reset, the problem may lie with the bank servers or network provider.

Check your blocked list

It is possible that you have blocked the number that is supposed to send you the OTP. Banks routinely send text messages to their account holders, which some people may mistake for spam because the contact does not have a personalized name. If you regularly add spammers to your block list, you might want to check that you’ve added your bank number there as well. Open the Messages app and go to Settings>Block numbers and spam and check blocked numbers and messages.

Check that your phone number is registered with your bank account

Have you recently changed your phone number? Make sure you update your bank account details accordingly. Your bank will send a One Time Password to the registered number and it is important that you update this number whenever needed. If you have recently changed your phone number, please also change the registered number in your bank account immediately.

Check if the bank’s servers are down

As mobile banking quickly becomes the norm, banks are taking a while to adapt to the high demand. You may have noticed that during high usage hours (usually Saturday evenings) UPI payment takes some time. Bank servers are often working at maximum capacity and may not be able to process your request immediately. If you cannot receive your OTP from your bank immediately, wait until the servers are less busy and try again.

Check if your network is down

If you cannot receive a one-time password, the problem may also lie with your network provider. First, you need to check if you are signed up to an active call plan. Your network provider may suspend your incoming calls and messages if you do not have a prepaid plan. Next, you need to check that you have sufficient network coverage. If not, move to an open area where there is a better chance of stronger network reception. Finally, send a test message to your number to verify that the messaging services are working properly. This is a reliable way to check if the problem lies with your network provider. If you’re sure your network provider is to blame, try receiving a one-time password via email.

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Conclusion

These are 5 easy ways to solve “bank not sending OTP or security code” problem on your smartphone. If none of these fixes work for you, you can contact your local bank branch for further assistance. If you found this article helpful, let us know in the comments!

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