● BANKING & FINANCE
Reliable SMS and RCS for Banking & Finance
When every second counts, email alone isn’t quick enough for fraud alerts or urgent updates. With QuickSMS, you can send trusted, time-sensitive messages to your banking, insurance or finance customers right when they need them.
The biggest messaging challenges in finance
Time-critical alerts that can't wait
Overdraft warnings, fraud alerts, and one-time passwords need to reach customers within seconds. If SMS is unbranded or routing is unreliable, urgent messages may be ignored, mistrusted, or delayed. Failed delivery can lead to regulatory and reputational risks.
Smishing is eroding customer trust
Customers are more cautious about texts from banks. Without verified sender branding, even real messages can be ignored, mistaken for scams or deleted. This lowers engagement and gradually erodes the trust you’ve built.
Fraud disputes are slow and costly
Handling disputes by phone frustrates customers and increases your costs. Verifying a transaction by phone takes time with hold music and repeated questions, while a chat could solve it much faster. Standard SMS doesn’t allow for this kind of interactive, two-way conversation.
Security is non-negotiable in banking
The QuickSMS platform meets the security standards your industry requires. Compliance is essential in financial services, so everything is built with that in mind.
You’re backed by our ISO 27001 certification, Cyber Essentials Plus, and full GDPR compliance. All your data stays in the UK, with no overseas processing. This is especially important for FCA-regulated firms.
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You’re protected by our ISO/IEC 27001 certification and Cyber Essentials Plus accreditation, giving you robust defence against cyber threats and strict adherence to UK government-backed security standards.
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We’re certified with ISO 9001 (Quality Management), ISO 14001 (Environmental Management), and ISO 45001 (Occupational Health & Safety). This shows our commitment to quality, sustainability, and safety in everything we do.
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All your data is hosted in the UK, with no overseas processing. You get full audit trails and data processing agreements, created by people who understand what FCA-regulated firms need from their suppliers.
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Banks and insurers need messaging providers that prioritise security. Our certifications give your procurement and risk teams the proof they need to approve QuickSMS with confidence.
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Banks and insurers need messaging providers who put security first. Our certifications give your procurement and risk teams the evidence they need to sign off on QuickSMS with confidence.
How to reduce your messaging costs with RCS
You’re paying for four messages when one will do.
In banking, one customer interaction often needs several SMS messages. For example, a fraud alert with masked card details, transaction value, and merchant name usually takes 2 SMS messages. If you add a confirmation request and a status update, you end up using 4 credits for one dispute.
SMS: 4 credits, one job done
Most banking messages are longer than 160 characters. Account alerts, OTPs with branding, and dispute follow-ups often take 2 or 3 SMS messages each. When you multiply that by millions of messages each month, costs add up quickly.
RCS: 1 rich message,
lower cost
With RCS Single Message, you can send the same fraud alert in one branded, verified message with unlimited characters as a single charge rather than paying per 160-character SMS fragment. Tap-to-confirm buttons replace reply prompts. Transaction details, merchant info, and dispute options are all in one interactive message your customer knows and trusts.
Even better, RCS lets customers resolve alerts right in the message. There’s no need for follow-up reminders, status texts, or calls. You go from using 4 SMS credits to just 1 rich message, which boosts engagement and speeds up resolution.
Use cases
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Transaction alerts & OTPs
Fraud alerts, payment confirmations, and one-time passwords are delivered within seconds. These real-time notifications help you meet regulations and reassure customers that their accounts are safe.
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Customer onboarding
Help new customers set up accounts, activate cards, and download apps using branded, interactive messages. First impressions matter, and a smooth onboarding process helps keep customers with you.
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Fraud dispute resolution
Collect information, share evidence, and resolve disputes through two-way RCS chat. There’s no hold music or repeating details to different people. It’s just a faster, less frustrating solution for your customers.
Live in weeks,
not months
With large messaging providers, procurement, security checks, and integration can take months. By the time you go live, the project might have lost momentum and budget.
With QuickSMS you can get started faster, without compromising security or governance. Our experienced team has helped banks, insurers, and finance providers meet compliance needs and launch messaging in weeks, not months.
Your trusted advisers
You’ll get support from people who truly understand financial services messaging.
Our team includes advisers with more than 20 years of experience, including senior messaging specialists who have previously worked at BT. They’ve helped banks, insurers, and finance providers with RCS adoption, integration, and compliance.
You’re not just buying a platform. You’re getting a team that understands your industry.
Carrier-grade messaging, built for finance
Reliable messaging is critical in financial services. Transaction alerts, fraud notifications, overdraft warnings and authentication codes must be consistently delivered.
We’ve built QuickSMS to handle your highest-stakes messaging at scale. Direct operator connections, audited routes, and resilient infrastructure keep your messages moving, even during peak demand. You get carrier-grade SMS and RCS messages that meet the speed, security, and accreditation standards FCA-regulated firms require.
Built for banking-grade traffic
We handle high-volume, sensitive traffic: fraud alerts, OTPs, transaction notifications and customer onboarding, with the security credentials to match.
Flexible to fit
your setup
Use us as your primary provider or alongside other routes if that fits your strategy. There are no minimum volume commitments, and you maintain full control over your traffic distribution.
Carrier-grade routing
you can rely on
Direct operator connections and audited routes keep your messages moving, even during peak demand or unexpected disruption.
The reassurance of direct routes
Not all SMS traffic is the same.
Direct routes use official operator agreements, giving you predictable delivery, full traceability, and regulatory compliance.
Grey routes use carrier loopholes. They might seem cheaper, but they are unreliable, unregulated, and often used by fraudsters to spoof sender IDs and intercept OTPs.
With QuickSMS, your messages travel through direct, audited routes only. There are no shortcuts or unnecessary risks.
What is RCS messaging?
RCS (Rich Communication Services) is the next step in customer messaging. Unlike SMS, which is limited to 160 characters of plain text, RCS lets banks and finance providers send branded messages with images, transaction details, interactive buttons, and verified sender info directly to a customer’s phone. No app download is needed.
RCS messages show your organisation’s name, logo, and a verified sender badge, making it easier for customers to spot real messages and avoid scams. Fraud alerts can include tap-to-confirm buttons, and disputes can be resolved through two-way chat. If a customer’s phone doesn’t support RCS, the message automatically switches to SMS.
In the UK, about 70% of mobile users can now receive RCS, thanks to widespread Android use and growing iOS support from Apple. QuickSMS supports RCS with automatic SMS fallback, so you can reach everyone.
FAQs
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SMS sends plain text messages up to 160 characters. RCS lets you send richer messages with images, transaction details, interactive buttons, and verified sender branding, all in the customer’s regular messaging app.
For banks, insurers, and finance providers, this means fraud alerts can include tap-to-confirm buttons, OTPs arrive in seconds, and your verified name and logo help customers recognise real messages and avoid smishing.
RCS doesn’t require an app download. Messages arrive in the same inbox customers use for SMS.
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Yes. We support FCA-regulated firms and align with Consumer Duty obligations around clear, timely, and fair customer communications.
Verified sender branding helps customers identify legitimate messages, reducing the risk of harm from smishing. Direct operator routing gives you the delivery speed and traceability needed for time-critical communications such as fraud alerts and authentication codes. Full audit trails support evidence of good customer outcomes.
We are ISO 27001 certified, Cyber Essentials Plus accredited, and fully GDPR compliant, with all data hosted in the UK and contractual data processing agreements available for regulated organisations.
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Yes. Your existing platforms are fully supported by us, including CRM, fraud monitoring, and core banking systems, all connected through our API.
Integration is simple, and our API documentation is available to everyone. Our UK-based team can help with setup, testing, and dual-supplier configuration with your current messaging provider.
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If a customer’s phone doesn’t support RCS, the message automatically switches to standard SMS. The customer still gets the message, but as plain text instead of rich media.
This fallback happens automatically and needs no extra setup. You send one message, and every customer gets it. Rich on RCS-capable devices, plain SMS on the rest.
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Larger providers can take longer to onboard, especially for smaller volumes or dual-supplier setups where you aren’t the main customer.
You get full accreditation for financial services. ISO 27001, Cyber Essentials Plus, GDPR compliant, with all data hosted in the UK. Our team specialises in helping FCA-regulated firms get live faster.
For banks using a dual-supplier strategy, this combination of speed, accreditation, and industry knowledge is hard to match.