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Can I make an IMPS transfer using a feature phone?

Curious about Immediate Payment Service

Can I make an IMPS transfer using a feature phone?

Yes, it is possible to make an IMPS (Immediate Payment Service) transfer using a feature phone. While IMPS transactions are commonly performed through smartphones and internet banking platforms, some banks also provide alternate methods to facilitate IMPS transfers using feature phones or basic mobile phones without internet connectivity.

Here are a few methods that allow IMPS transfers using feature phones:

1. USSD (Unstructured Supplementary Service Data): Some banks offer IMPS services through USSD technology. USSD codes are shortcodes that can be dialed from a feature phone to access various banking services, including IMPS. By dialing the designated USSD code provided by your bank, you can follow the onscreen instructions to initiate an IMPS transfer and provide the necessary details such as the recipient's account number, IFSC code, and transaction amount. USSDbased IMPS transfers typically require you to enter a Mobile Personal Identification Number (MPIN) or other security credentials to authenticate the transaction.

2. SMSBased IMPS: Certain banks may provide the option to initiate IMPS transfers through SMS. You can send an SMS with specific keywords and transaction details to a designated number provided by your bank. The bank will process the transaction based on the information provided in the SMS. The SMS may include details such as the recipient's account number, IFSC code, transaction amount, and authentication code if required.

To use IMPS services through a feature phone, it's recommended to contact your bank's customer support or refer to their official website to understand the specific methods and procedures they offer. They can provide you with the necessary instructions, USSD codes, or SMS formats to initiate IMPS transfers using your feature phone.

While feature phones may have limitations compared to smartphones in terms of user interface and functionality, banks strive to provide alternate channels for customers who do not have access to smartphones or internet connectivity.

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