Drive to Reimagine

10 use-case based WhatsApp broadcast templates for banks

Jeremy DSouza
Mar 11
4-5 mins

Table of contents

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WhatsApp broadcast templates for banks

Banks almost always need to be shooting out urgent message to their customers, and emails just won't cut it. You can't wait for your customers to read your emails... and an SMS is pretty much destined to be ignored. Your only hope - A WhatsApp notification.

We've decided to make this easier for you, so we've created 10 WhatsApp broadcast templates that your bank can tweak and send to your customers.

10 WhatsApp broadcast templates that your bank can use


Balance updates

Every once in a while, you’d want to let your costumes know what their bank balance looks like. This could help your customers plan their spending in a more effective way and could even serve to assure them that their balance is what they expected it to be. If it isn’t, they could check their statements and look for discrepancies.

Here’s a WhatsApp message template that your bank can use to send balance updates:

<Bank Name>: Your account balance is now $<amount>. For more information, please visit - <link>


Transaction alerts

You need to be updating your customers whenever they make any transactions, irrespective of how big or small these transactions are. Transactional alerts and updates keep your users in the loop. When they’re making payments, these updates show them that the right amount has been debited. They show that your bank stands for transparency and increases their trust in your bank. Make sure to mention their account balance along with the transaction alerts. This will help your customers become more aware of their spending habits and patterns.

You’d want to send these updates when the transactions clear as well as when they fail. If a payment was declined, a check is on hold, or if they exceeded their overdraft limit, informing them in real-time will help them take the right steps immediately.

And if the transaction was not initiated by them, these alerts will help them figure out if something fishy is going on and will help them take the right steps. Here’s a template that you can use for this:

Hi, thank you for using your <bank name> debit card for a payment of <amount> at <vendor>. Your balance now stands at <balance amount>. If you didn’t initiate this transaction, please click here - <link>


Deposit alerts

These serve as a confirmation that the cash deposited has been credited to their accounts. You should not send these updates only when they have made the deposit themselves. These should also be used when your customers receive credits to their accounts from other accounts, whether they’re receiving their salary, payment for a service, or even if someone is just repaying money that they borrowed from them.

Here’s a WhatsApp message template that your bank can use for these updates:

Your account has received a credit for $<amount> by <name> on <date>.
Click here for more information - <link>


Fraud alerts

Security is the main concern for most of your customers, especially when they engage in mobile banking. You’re monitoring the activity on your customers’ accounts and using predictive analytics to flag suspicious activity, the next step would be to inform them about any activity of that sort. Your users would appreciate being intimated in real-time about such suspicious activity so that they can take action quickly and protect their accounts. Sending these alerts as WhatsApp notifications is far better than sending them as emails, because WhatsApp messages have an open rate of 99%, which is certainly higher than even your best performing email.

Here’s a template that you can use for sending fraud alerts via WhatsApp notifications:

ALERT! We’ve detected unusual activity from your account at <vendor name>. If this activity was not initiated by you, please call us at <phone number>. Log in to your account at <link> to know more.


Low-balance alerts

These alerts inform your customers when their accounts are running dry and are approaching the minimum balance threshold. Use these to prompt your customers to transfer more funds to their accounts.

Here’s a template that you can use for this:

WARNING! Your account is in danger of getting overdrawn. Your balance stands at $<amount> - <bank name>


Overdraft alerts

It is important to be transparent and inform your customers when their account is overdrawn so that they are not left surprised later. 

Here’s a template that you can use:

Your account is overdrawn, with a balance of –$<amount> - <bank name>


Payment reminders

You can use these to remind your customers about upcoming payments or past due notices. Why do you need these? Well, a study did show that 35% of adults simply forgot to make their credit card payments. So, this does seem like a good idea. Not to mention the fact that you’ll have less customers trying to frantically reach you to ask (in the angriest of ways) why their account was penalized with late fees.


Special promotions

If you’ve got a special offer on loans, want to get your customers to sign up for a credit card, or are launching new financial products or services, you can use WhatsApp notifications as a marketing tool to get the word out.


Withdrawal alerts

Withdrawal alerts are just as important as transaction alerts. They let your customers know that the right amount of money has been debited from their accounts and can even help them detect fraud if they had not withdrawn the money themselves. This allows them to take action in time and take the necessary steps to protect their account quickly instead of finding out too late, maybe only when they get around to looking at their bank statements.

Here’s a template that you can use to send these WhatsApp notifications:

Hi <name>, we’re grateful to have you as a customer. To show you our appreciation, we’re bringing you a special offer. We’ve pre-approved you for a <loan of X amount or new credit card or other service>. Click here to avail of this offer - <link>


Account updates

If a customer opens a new account or makes changes to their account information, you need to send a confirmation message to them. This is extremely useful because there could be a chance that these changes were not made by them.

Here is a template that you could use to send an account update confirmation message.

Hi <name>, this is to confirm that you added a second holder to your account ending in <XXXX>. If you have not requested this change, please call us at <phone number>.

Jeremy DSouza

Jeremy is a marketer at Engati with an interest in marketing psychology and consumer neuroscience. Over the last year he has interviewed many of the world's brightest CX, AI, Marketing, and Tech thought leaders for Engati CX.

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