---
title: "Transaction verification code SMS template for banks (OTP)"
description: "Bank transaction OTP by SMS: copy-ready code text with purpose and expiry, an anti-fraud warning, placeholder tips and 3 variations, incl. amount and merchant."
canonical: "https://omnichannels.ai/templates/bank-otp-sms/"
language: "en"
updated: "2026-10-10"
publisher: "BroadNet Technologies"
brand: "OmniChannels.ai"
---

# Transaction verification code SMS template for banks (OTP)

Canonical: https://omnichannels.ai/templates/bank-otp-sms/
Language: en
Publisher: OmniChannels.ai by BroadNet Technologies

Send it when a customer approves a payment, adds a beneficiary or changes account details. Naming the bank and the purpose, and warning that staff never ask for the code, helps customers spot phishing attempts.

- Channel: SMS
- Traffic type: OTP
- Industry: Banking and finance
- Use case: OTP and verification
- Characters: 130 · Encoding: GSM-7 · SMS segments: 1

```text
[Code] is your [Bank] verification code for [Purpose]. It expires in 5 minutes. Never share this code with anyone, including bank staff.
```

## Variables explained

| Variable | What it is | Example |
|---|---|---|
| `[Code]` | The one-time code, usually 6 digits; keep it at the start so it shows in the notification | 604218 |
| `[Bank]` | Bank name as customers know it | Gulf First Bank |
| `[Purpose]` | What the code approves, in a few words | adding a new beneficiary |

## Category and compliance notes

OTP SMS: name the brand, state the expiry, never put the code inside a link and send from a sender ID registered for transactional or OTP traffic so it is delivered 24/7.

## Variations

### With amount and merchant

```text
[Code] is your [Bank] code to approve [Amount] at [Merchant]. It expires in 5 minutes. Never share it, not even with bank staff.
```

### Shorter version

```text
[Bank]: [Code] is your verification code. Valid for 5 min. Do not share it.
```

### With not-you warning

```text
[Code] is your [Bank] code for [Purpose]. Valid for 5 minutes. Did not request it? Call [Phone] now. Never share this code.
```

## How to use this template

1. **Copy the text:** Copy the message and keep the brand name at the start so the recipient knows who is writing.
2. **Replace the placeholders:** Map each [Placeholder] to a field in your contact list or system, keeping the message short.
3. **Check length and encoding:** Paste the final text into the SMS counter to see the segments you will pay for.
4. **Send from a registered sender ID:** Use a sender ID registered for this traffic type in each destination country.

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[Browse the template library](https://omnichannels.ai/tools/message-templates/)