With debit account
[Bank]: Dear [Name], your loan instalment of [Amount] will be debited from account [Account] on [Date]. Please keep sufficient funds.
1 SMS segments · GSM-7 · 123 characters
SMSTransactionalBanking and finance · Payment reminder
Loan instalment reminder SMS template (transactional)
Send it three to five days before an instalment is debited so customers can top up their account in time. Fewer failed debits mean fewer late charges for customers and less collections work for you.
Preview
Your brand
[Bank]: Dear [Name], your loan instalment of [Amount] is due on [Date]. Please make sure your account has sufficient funds. Questions? Call [Phone].
Variables are highlighted. Replace them with your own values before sending.
[Bank]: Dear [Name], your loan instalment of [Amount] is due on [Date]. Please make sure your account has sufficient funds. Questions? Call [Phone].
138 characters in GSM-7, which is 1 SMS segment(s). GSM-7 fits 160 characters in a single SMS, or 153 per segment when the message is split. Counts treat each [Placeholder] as text of similar length; check the final message once your real values are in.
Variables explained
What to put in each variable, with an example value.
| Variable | What it is | Example |
|---|---|---|
[Bank] | Bank or finance company name | Gulf First Bank |
[Name] | Customer's name, formal form works best here | Mr Khalid |
[Amount] | Instalment amount with currency | SAR 2,150 |
[Date] | Due date | 1 November |
[Phone] | Customer service or collections number | 800 124 0000 |
Category and compliance notes
Transactional SMS: it must relate to something the customer did or owns. Keep it free of offers and promotional links, or operators may filter it as promotional traffic and apply quiet hours.
Promotional sending hours differ by country, and some regulators also set Ramadan hours.Sender ID rules by countryPlan the send time
Variations
Alternative versions of the same message, following the same channel rules.
Missed payment
[Bank]: Dear [Name], your loan instalment of [Amount] due on [Date] is still unpaid. Please pay now to avoid late charges. Help: [Phone]
1 SMS segments · GSM-7 · 126 characters
Shorter version
[Bank]: Loan instalment of [Amount] due on [Date]. Please ensure sufficient funds.
1 SMS segments · GSM-7 · 76 characters
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.
Questions about this template
How many SMS segments is this message?
1 segment(s): the text has 138 characters in GSM-7. GSM-7 fits 160 characters in a single SMS, or 153 per segment when the message is split.
Is this promotional or transactional SMS?
Transactional. It relates to a specific order, account or appointment, so it can be sent around the clock as long as it carries no promotional content.
When can I send this message?
Any time. Transactional and OTP messages are delivered 24/7; time-of-day windows such as 07:00–21:00 in the UAE or 09:00–22:00 in Saudi Arabia apply to promotional traffic.
Is this template available in other languages?
Yes. It is written natively in English, French, Spanish, German, Arabic, Portuguese, Turkish, and Simplified Chinese, so the Arabic and other versions read as original messages, not translations.