Andhra Bank
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Toll Free Number : 1800 425 1515

IVR Transaction
Dear Customer,

In our continuous effort to provide more value additions to our Customers, we are introducing yet another highly secured environment for a Payment transaction made through Telephone/ Mobile (IVR). This is an additional level of security provided as per the mandate of Reserve Bank of India on all transactions made through Credit Cards.

The OTP (ONE TIME PASSWORD) is a secure code sent to your Registered Mobile, during IVR transaction process. Entering of this OTP is essential to complete the transaction.

In case of any difficulty, you may send an SMS to 5676798 or 9212738927 to get POTP (Pre One Time Password) before an IVR transaction is initiated. The SMS should be "ANDB  XXXX (The last 4 digits of your card number). On receipt of the POTP through the SMS, it is to be entered while doing the IVR transaction.

In case you have not registered your Mobile number for Credit Card, Please Register now, as detailed hereunder:

Call our 24x7 Helpdesk number at: 1800 425 4059 (Toll Free) OR 080-4342 8125/26/30.

Send Mail:

For further details refer our Website:

FAQs (Frequently Asked Questions)

  • What is an IVR transaction?

    An IVR transaction is a payment transaction made through Telephone/Mobile by using credit card details for obtaining a service or purchase of a product through Inter voice Recording system without physically presenting a card.
  • How IVR transactions are processed ?

    At present, one need to provide the Card number, Expiry Date, CVV code (3 digit code behind the card) and the amount for making payments through an IVR system (Mobile/Telephone).
  • Now, What is new on IVR transactions?

    Now all IVR Transactions will be processed with an additional Authentication password OTP or POTP,   as mandated by RBI.
  • What is this Password and How will I get this?

    It is a One Time Password (OTP) sent to your Registered Mobile by way of SMS while doing the transaction. This OTP is to be entered by you while doing the IVR Transaction through your Telephone/Mobile.

    In addition to this, POTP (Pre One Time Password) facility can be made use of by sending an SMS to 5676798 or 9212738927. The SMS should be “ANDB  XXXX (The last 4 digits of your card number). The POTP received through the SMS is to be entered while doing the IVR transactions.
  • Can I save the OTP or POTP that I have received for any future transactions?

    No! OTP/POTP is a secure Password and is valid for one transaction OR valid for 4 Hours only and expires thereafter. A new OTP is required for every IVR transaction that is initiated.
  • I have not given Mobile number when I took the Credit Card?
  • Recently I have changed my Mobile Number, but not registered?

    Its all right. Now you can Register your Mobile Number and also modify your New Mobile number. Please contact to know the procedure for Registering/Changing the Mobile number:
    1. By calling our 24 Hours 7 Days Help Desk Number: 1800 425 4059 (Toll Free)

    2. By sending a mail to : with card number & Name

In case of any difficulty, the cardholders may call our 24X7  HELP DESK numbers which is given hereunder:

  1. Toll Free Phone number:  1800 425 4059

  2. Phone Number: 080-4342 8125/ 4342 8126/ 4342 8130
Terms & Conditions

  • This service brought to you by Andhra Bank and is applicable to all Andhra Bank Credit  Cardholders, herein after referred to as ‘Cardholder’

  • Cardholders must use the Secured password OTP (One Time Password) or POTP (Pre One Time Password) sent by SMS to their Registered Mobile numbers, for performing an IVR merchant Transactions, failing which the transaction cannot be completed successfully. This is effective from 01st January 2011, as per RBI mandate.

  • Andhra Bank is not liable for any loss or damage whatsoever that may be suffered, or for any personal injury that may be  suffered, during the process of IVR service or usage of the facility

  • The IVR 3D secure OTP or POTP sent to the registered mobile number has a predefined validity after which it expires. Cardholders must hence use the OTP or POTP within the stipulated period. OTP or POTP entered after its expiry will not be authenticated by the Bank
  • The Bank shall endeavour to deliver the IVR 3D secure OTP or POTP via SMS to the best of its abilities to the registered mobile numbers. Cardholder acknowledges that delivery of SMS are dependant on the infrastructure, connectivity and services provided by the Telephone service providers and the service providers engaged by the Bank. The Bank shall not be responsible for non receipt or delay of the SMS, error, loss or distortion in transmission of information and instructions to/from the customer or the merchant establishments for reasons beyond its control. The Bank holds no responsibility for any losses incurred due to such reasons.

  • In times of contingencies and or as per the statutory laws or directions of RBI, IBA etc, the Bank reserves the right to disable the IVR 3 D Secure Authentication.

  • Cardholders are required to ensure that their correct mobile number is registered with Andhra Bank, since the OTP or POTP will be transmitted through one or both of these modes.

  • In case of theft/loss/change of the cardholder’s mobile number, the cardholder must report the same to the Bank for deletion of mobile number in the Bank records. Andhra Bank shall not be liable for any fraudulent transactions/loss, if the same is not reported.

  • Andhra Bank reserves the right to withdraw/change/modify/suspend/cancel/amend from time to time and /or alter any of the terms and conditions at any point of time as may deem necessary without assigning any reason or prior notice to the cardholder. All decisions in respect of the service shall be at the sole discretion of Andhra Bank and the same shall be final, binding and non contestable.

  • Any dispute arising out of or in connection with this service shall be subject to the exclusive jurisdiction of the courts of Hyderabad only. The existence of a dispute, if any, shall not constitute a claim against Andhra Bank.

  • Cardholders using this service shall be deemed to have read, understood and accepted these terms and conditions as stated above (and as amended from time to time).