Account verification code
[Company Name]: Your verification code is [Code]. It expires in [Number] minutes. Never share this code with anyone.
15+ Financial SMS templates
Appointments, balance alerts, autopay notices and card pickup texts for banks. Preview any template on a phone, then copy it ready to send.
Filters
Password reset alert
[Company Name]: Your password was just changed. If this wasn't you, open the [Company Name] app and secure your account now.
Account opened welcome
Welcome to [Bank Name], [First Name]! Your account ending [Number] is active. Search for our app in your app store to get started.
Autopay scheduled
[Company Name]: Your autopay of [Amount] is scheduled for [Date]. No action needed. To change it, sign in to your account.
Deposit alert
[Amount] has been deposited to your bank account by [Full Name]. More information in the app.
Fraud alert
[Company Name]: We detected unusual activity on your account. If this wasn't you, open the app or call the number on your card.
High-balance alert
Your account balance is about to exceed the set limit. To change your limits visit our office at [Address].
Low-balance alert
Your account is in danger of going overdrawn. Your current balance is [Amount]. [Company Name]
Overdraft alert
Hi [First Name], your account is overdrawn, with a current balance of [Amount]. [Bank Name]
Transaction alert
Your payment to [Company Name] has been made on [Date] for the amount of [Amount]. Your balance now stands at [Amount].
Branch visit survey
[Bank Name]: Hi [First Name]. How was your recent visit? Reply 1-5. Your feedback shapes our service.
Balance information
[Bank Name]: Your current balance is [Amount]. For more information visit the app.
Credit card ready for pickup
[First Name], your [Bank Name] card has arrived. You can pick it up at [Address] when convenient.
Deposit processing notice
Your cash deposit is being processed! Please note it may take up to [Time] for the funds to arrive.
Bank appointment reminder
[Bank Name] reminds you of your appointment at [Address] on [Date] at [Time]. [First Name] will be your account manager today.
No templates match
Try clearing the industry filter or resetting all filters.
Your Business
US
Unicode characters detected: each SMS part shrinks from 160 to 70 characters.
Template copied to clipboard
Why business texting works
Industry benchmarks plus findings from our 2025 surveys of 3,600 US and UK consumers related to business text messaging.
-
of text messages get opened, compared with roughly 20% of emails.
98%
-
average response time for messages sent according to best-practices for sending.
3-min
-
response rate for text messages, against about 6% for email
45%
-
of consumers read texts from businesses. Only 8% ignore them, in the US and the UK alike.
92%
Test your own SMS before sending
Paste any SMS below. We count parts, estimate cost, flag the exact characters that switch you to expensive Unicode encoding, and run eight deliverability and compliance checks.
Try for free
Details
- Characters
- SMS parts
- Encoding
- Price per SMS
- Fits in one part: billed as a single SMS
- GSM-7 encoding: full 160 characters per part
- Opt-out found: required for marketing texts
- Sender identified: recipients reply and convert more when they know who’s texting
- Link included: one clear call to action
- Sentence case: no shouting
- Clear purpose: the message asks for one clear next step
- No spam triggers: clean of common filter phrases
Compliance
Which texts need opt-in?
Which texts need opt-in?
A two-minute consent guide
Every template above carries one of five consent labels. Here is what each one means before you press send.
Promotional texts need opt-in almost everywhere: prior express written consent in the US (TCPA), opt-in under GDPR/PECR in the UK & EU (soft opt-in only for your own similar products), express or implied consent under CASL in Canada, and consent under Australia’s Spam Act.
Identify your business, include an opt-out like “Reply STOP”, and respect quiet hours. Collect consent with unchecked checkboxes, and keep a record of when, how, and where each person opted in.
Order confirmations, delivery updates, verification codes and other messages the recipient triggered. No written marketing opt-in is required: in the US, the customer sharing their number for this purpose counts as prior express consent, and in the UK & EU service messages fall outside PECR marketing rules.
Keep them promo-free, identify yourself, and honor STOP.
Appointment, payment and renewal reminders to people who gave you their number for that purpose, the same prior-express-consent standard as transactional messages in the US. They are not marketing, and adding a discount or upsell line changes that.
Consent for these can be collected in writing or verbally; marketing always requires written consent.
Genuine emergency and safety messages such as closures, hazards, and urgent recalls are broadly exempt from consent rules. Never mix offers into them.
Work-related texts to your own team. Collect employee consent, honor opt-outs, and check local workplace rules.
HOW IT WORKS
How to use these templates
-
Copy and customize
Click Copy on any template and replace the [bracketed placeholders] with your details. In Textmagic they map straight to dynamic fields, so an entire contact list is personalized automatically.
-
Watch the counter
One SMS part is 160 GSM characters; longer messages split into 153-character parts and bill per part. A single emoji or curly quote drops the limit to 70. Every template shows its live count and cost.
-
Check the consent label
Green means the customer triggered the message, so no marketing opt-in is needed. Amber means marketing rules apply: opt-in list, business name, opt-out, quiet hours. When in doubt, the consent guide above covers all five levels.
Put these templates to work
Copy any template, make it yours, and send your first campaign in minutes. Free trial, no credit card required.