SMS Built for Financial Services
Deliver OTP authentication, fraud alerts, and customer notifications with the speed, reliability, and compliance that financial services demand. Tier-1 routes, PSD2-ready infrastructure, and full audit trails.
OTP Authentication
OTP SMS is the backbone of modern banking security. Whether you are providing two-factor authentication for online banking logins, authorising high-value transactions under PSD2 Strong Customer Authentication (SCA), or confirming account changes, sub-second delivery is non-negotiable. Our Tier-1 direct carrier connections ensure OTP codes arrive before customers abandon the process.
Our anti-SIM-swap detection layer adds an additional verification step when a SIM change is detected on a number, protecting your customers from account takeover attacks. Every OTP send is logged with full audit trail data — timestamp, delivery status, operator, and destination — giving your compliance teams the evidence they need.
Discuss RequirementsKey Capabilities
- Tier-1 routes for maximum deliverability
- Anti-SIM-swap detection layer
- Sub-second delivery on priority paths
- 99.95% delivery rate SLA
- Full audit trail per OTP send
- Configurable expiry and retry logic
- TOTP and HOTP code generation support
- Multi-country compliance rules applied automatically
Fraud & Security Alerts
When fraud is detected, speed is everything. A delayed notification can mean a customer suffers further loss and your institution faces regulatory scrutiny. Our priority routing infrastructure delivers fraud alerts, suspicious activity notifications, card block confirmations, and security warnings in real time — typically within seconds of the event being detected by your fraud systems.
Every alert message is captured with a full delivery receipt, including timestamp, operator acknowledgement, and final delivery status. This audit trail is essential for regulatory reporting and dispute resolution. Our GDPR-compliant data handling ensures that sensitive alert content is processed and stored in accordance with UK and EU data protection requirements.
Discuss RequirementsKey Capabilities
- Priority routing for instant delivery
- Instant delivery from fraud system trigger
- Delivery receipt with full audit trail
- GDPR compliant message handling
- Webhook integration for fraud platform triggers
- Configurable sender ID per alert type
- Escalation support if primary delivery fails
- Real-time delivery monitoring dashboard
Customer Notifications
Customer notification SMS keeps account holders informed and engaged without requiring them to log in to your app or check their email. Balance alerts, payment due reminders, statement availability notices, direct debit confirmations, and account update notifications all benefit from the near-100% open rate that SMS consistently achieves. Keep customers proactive about their finances.
Our high-volume transactional infrastructure handles the burst capacity required at month-end or statement cycle periods — when every customer may receive a notification simultaneously. Dynamic personalisation lets you include the customer name, account last four digits, and transaction amount in every message without any manual intervention.
Discuss RequirementsKey Capabilities
- High-volume burst capacity for statement cycles
- Dynamic personalisation with merge fields
- DND and opt-out compliance across all markets
- Delivery receipts per message
- REST API and SMPP connectivity options
- Sender ID registration and branding
- Unicode support for international character sets
- Scheduled and triggered send modes
Built for Financial Services
From retail banks to FinTech startups, SBS TELECOM provides the SMS infrastructure that financial services businesses rely on for mission-critical communication.
Banking & Finance SMS — FAQs
Is your SMS platform PSD2 / SCA compliant?
Yes. Our OTP SMS infrastructure is designed to support PSD2 Strong Customer Authentication requirements. We provide sub-second Tier-1 delivery to ensure authentication codes reach customers within the timeframes required for SCA compliance. Our audit trail captures every OTP send with timestamps and delivery confirmations, supporting your regulatory evidence requirements.
How quickly are OTP codes delivered?
OTP messages sent via our priority Tier-1 routes are typically delivered in under one second in the UK and major European markets. For global destinations, delivery times vary by network but we maintain direct operator relationships across 190+ countries to minimise latency. Our real-time route monitoring automatically selects the fastest available path.
Do you offer anti-SIM-swap protection?
Yes. Our anti-SIM-swap detection layer checks whether a SIM swap has occurred on the destination number recently before delivering an OTP. If a recent SIM swap is detected, your platform can be alerted via webhook so you can apply additional verification steps or block the authentication attempt — protecting customers from SIM-swap account takeover attacks.
Can you handle the volume of a large retail bank?
Absolutely. Our infrastructure is built for enterprise-scale financial services clients and processes hundreds of millions of messages per month. Peak periods such as statement cycles, end-of-month payment runs, or large-scale fraud alert campaigns are handled without throttling. We work with your team to size capacity and throughput requirements in advance.
How is GDPR compliance handled for financial SMS?
SBS TELECOM is a UK-registered business operating under UK GDPR and our infrastructure is hosted in compliant data centres. Message content and delivery data are handled in accordance with data protection law. We provide data processing agreements (DPAs) as standard, and our systems support data retention policies and audit log exports required for financial sector regulatory compliance.
Discuss Banking SMS Requirements.
Our financial services specialists will help you build a compliant, reliable SMS programme for OTP authentication, fraud alerts, and customer notifications.