Viber Banking: How to Connect with Customers Using Dexatel

Global banking fraud costs are projected to exceed $45 billion in 2024.

SMS-based OTPs, once the industry standard, are now being banned by regulators worldwide.

The UAE Central Bank has ordered all financial institutions to eliminate SMS OTPs by March 2026.

Singapore phased them out in July 2024.

The Philippines issued binding directives in June 2025.

Banks need a secure, cost-effective alternative.

Viber, with 1.3 billion registered users, 823 million monthly active users, and end-to-end encryption, provides exactly that.

And with Dexatel as your official Viber Business Messaging partner, implementation is fast, compliant, and scalable.

This guide shows you how to use Dexatel to deploy Viber OTP authentication, transaction alerts, fraud notifications, and customer engagement in banking.

What is Viber Banking?

Viber banking refers to using Viber Business Messaging for financial institution communications.

This includes security-critical functions like OTP delivery and fraud alerts, as well as customer engagement through payment reminders, promotional offers, and support conversations.

To get started, you'll need a Viber Business Account.

With 8,500+ businesses already using Viber Business Messaging globally and 7.5 billion messages delivered by brands in 2021 (a 20% increase over 2020), the platform has proven enterprise-ready for banking use cases.

Viber by the Numbers: Why Banks Are Paying Attention

Before diving into implementation, consider why Viber has become essential for financial institutions.

For a detailed comparison with other messaging platforms, see our Viber vs. WhatsApp analysis and Viber vs. SMS comparison.

Global Reach and Engagement

• 1.3 billion registered users across 190+ countries
• 823 million monthly active users (a 25% increase year-over-year)
• 70+ million interactions per hour on the platform
• 35+ minutes average daily time spent per user
• 30+ messages sent per user per day

Message Performance That Outperforms Email and SMS

• 90% of messages opened within 3 minutes (vs. 20% open rates for email)
• 97% delivery rate for sent messages
• 89% of business messages are viewed by recipients
• 82% click-through rate on messages with links
• Up to 40% engagement rate for business campaigns (vs. 15-20% for SMS/email)

Dominant Market Penetration in Key Banking Regions

• Ukraine: 35 million users, 92% penetration
• Greece: 90%+ of population has Viber installed
• Serbia: 90%+ penetration, most popular messenger
• Belarus: 8 million users, 89% penetration
• Israel: 7 million users, 75% penetration
• Philippines: 71% user penetration rate
• Vietnam: 1 in 4 people are Viber users

User Demographics Aligned with Banking Customers

• 63% of users aged 25-50 (prime banking demographic)
• 70% between ages 18-34 (digital-native consumers)
• 506% year-over-year increase in transactional messages on the platform

The SMS Security Crisis: Why Banks Must Act Now

The statistics on SMS fraud paint a stark picture for financial institutions:

• 35 billion fraudulent messages sent by bad actors in 2023, costing businesses $1.16 billion
• 81% of data breaches involve weak or stolen passwords
• 18% of respondents in India reported being victims of account takeover attacks involving OTP fraud
• 43% year-over-year fraud increase in the UAE, with SMS OTP as the primary entry point
• $175 million in digital payment fraud in India in FY24 alone
• SMS pumping fraud accounts for 6% of all SMS traffic and up to 10% of revenue for some networks
• $14.2 million in losses from phishing scams in Singapore alone before the SMS OTP phase-out

Regulators are responding with binding directives.

The Bangko Sentral ng Pilipinas (BSP) Circular No.1213 orders banks to limit authentication mechanisms that can be intercepted.

The UAE Central Bank requires complete SMS OTP elimination by March 2026.

Even the US Patent and Trademark Office and FINRA dropped SMS authentication in 2025.

Why Viber Solves the Banking Communication Challenge

Viber offers a comprehensive set of features for business messaging that address the core challenges banks face today.

End-to-End Encryption

Viber encrypts all business messages, protecting transaction alerts, OTPs, and account information from interception.

SMS transmits data over unencrypted protocols vulnerable even on 5G networks.

Viber messages are transmitted over TLS-encrypted channels, making man-in-the-middle attacks far more difficult.

Verified Business Profiles Build Trust

Through Dexatel, your bank receives a verified Viber Business Profile with a blue checkmark, logo, and contact details.

This verification builds immediate trust.

Research shows 60% of customers prioritize security and transparency in business communications.

The verified badge helps customers distinguish legitimate bank messages from phishing attempts.

60-80% Cost Reduction on Authentication

Dexatel Viber OTP pricing starts at $0.008 per message.

Banks sending millions of authentication messages monthly can reduce costs by 60-80% compared to SMS.

Some messaging app OTPs are 50-70% cheaper than SMS while offering enhanced security through encryption.

Rich Media for Better Customer Experience

Viber supports up to 1,000 characters per message (vs. 160 for SMS), plus images, documents, videos up to 200MB, and interactive buttons.

Banks can send detailed transaction receipts, visual fraud alerts with action buttons, or loan applications with supporting documents.

Learn more about Viber notification capabilities.

How Dexatel Powers Viber Banking

Dexatel is an official Viber Business Messaging partner with direct carrier connections, GDPR compliance, and ISO/IEC 27001 certification.

The platform serves global brands including TikTok, Viber, and Paysera.

Here is how each Dexatel product enables specific banking use cases:

Dexatel Verify: Secure OTP and 2FA

Dexatel Viber OTP handles OTP generation, delivery, and verification through Viber with automatic SMS fallback.

For technical implementation details, see our Viber Verify API documentation.

Banking use cases:

• Login authentication for mobile and web banking
• Transaction approval for high-value transfers
• Password reset verification
• New device registration

Key capabilities:

• Automatic SMS fallback within 3 seconds if Viber delivery fails
• Configurable code expiration from 30 seconds to 10 minutes
• 98.5%+ delivery success rate in primary Viber markets
• 2-3 second delivery time in primary markets
• Real-time delivery and verification webhooks

Get started: Access the Viber API documentation and getting started guide to integrate Viber OTP into your banking platform.

Dexatel Notify: Transaction Alerts and Fraud Notifications

Dexatel Notify enables real-time transactional messages triggered by system events.

With 84% of customers relying on online banking and 72% using mobile apps frequently, instant Viber notifications are expected.

See the Viber Notifications API for implementation details.

Banking use cases:

• Real-time transaction confirmations with merchant details
• Fraud alerts with one-tap confirmation or dispute buttons
• Balance updates after account activity
• Payment due date reminders with quick-pay links
• Security alerts for new device logins

Why timing matters: Research shows 75% of consumers expect transactional messages within 5 minutes of activity.

Miss that window, and trust erodes.

Dexatel Campaigns: Promotional Messaging at Scale

Dexatel Campaigns provides a visual campaign builder for Viber bulk messaging.

With Viber business messages costing up to 85% less than SMS and delivering 90% open rates, promotional ROI improves dramatically.

Learn how to boost sales with Viber marketing.

For technical setup, see the Viber Campaigns API.

Banking use cases:

• Pre-qualified loan offers (one bank achieved 20% increase in applications)
• Credit card promotions with reward highlights
• Investment product announcements
• Insurance cross-sell campaigns
• Branch event invitations

Key features:

• AI Text Generator for message copy
• 50+ pre-approved templates including financial services
• Contact segmentation and scheduling
• Built-in link shortener with click tracking

For additional promotional strategies, explore our guides on Viber advertising and building Viber communities for customer loyalty.

Dexatel Conversations: Two-Way Customer Support

With 61% of bank customers contacting agents because they were unhappy with chatbot resolutions, human escalation paths matter. Dexatel Conversations provides a unified Viber Business Inbox across Viber, SMS, and WhatsApp.

Banking use cases:

• Balance inquiries and transaction history
• Card activation and PIN reset support
• Dispute resolution and fraud claims
• Loan application status updates
• Appointment scheduling

Results: Support teams using Dexatel Conversations reduced first-response time by 40%.

Dexatel Lookup: Number Validation

With 115 million US payment cards compromised via SMS phishing in a single year, validating customer phone numbers is critical.

Dexatel Lookup verifies numbers before sending.

Banking use cases:

• Validate numbers during account opening
• Clean contact lists before campaigns
• Detect ported numbers for accurate routing
• Identify high-risk numbers for fraud prevention

Sending Viber Messages Programmatically

For developers integrating Viber into banking systems, Dexatel provides comprehensive API documentation.

Learn how to send Viber messages to phone numbers via API with step-by-step code examples.

The API supports:

• Multiple programming languages: cURL, Java, Node.js, PHP, Python
• Native SDKs for faster integration
• Real-time webhooks for delivery status
• Automatic SMS fallback configuration

Step-by-Step: Set Up Viber Banking with Dexatel

For detailed setup instructions, see our complete Viber Business Account guide and Viber getting started documentation.

Step 1: Create Your Dexatel Account

Visit dashboard.dexatel.com/sign-up to create a free account.

No credit card required. You receive $2 in messaging credits to test the platform.

Step 2: Apply for a Viber Business Account

From your dashboard, submit an application with your company details, registration number, and use cases (OTP, transactional, promotional). V

erification typically takes 5-7 business days.

Step 3: Sign Required Agreements

Complete the Viber anti-spam warranty letter and Dexatel business agreement.

Dexatel support guides you through both documents.

Step 4: Receive Your Verified Business Profile

Once approved, your bank receives a verified Viber Business Profile with the blue checkmark.

All messages display this verified identity to recipients.

Step 5: Integrate the API

For OTP and transactional messaging, integrate the Dexatel API.

Start with the Viber API overview, then follow channel-specific guides for Verify, Notifications, or Campaigns.

Step 6: Configure Fallback and Templates

Set up SMS fallback (triggers within 3 seconds if Viber fails) and create message templates for OTPs, alerts, reminders, and promotions.

Step 7: Launch and Monitor

Begin sending Viber messages.

Monitor delivery rates, read rates, and engagement through the analytics dashboard.

Optimize based on performance data.

Compliance and Security with Dexatel

With 88% of banking customers feeling safe using digital services but 26% having experienced fraud attempts, security infrastructure matters.

Dexatel provides:

• GDPR Compliance: Data processing and consent management
• ISO/IEC 27001 Certification: Enterprise-grade security controls
• PSD2 and TCPA Compliance: Payment services and telecommunications requirements
• Fraud Guard: Protection against SMS pumping, toll fraud, and account takeover
• End-to-End Encryption: All Viber messages encrypted in transit

Viber Banking Pricing with Dexatel

Dexatel uses transparent pay-as-you-go pricing.

View complete Viber pricing by country:

• Viber OTP: Starting at $0.008 per message with volume discounts
• Transactional Messages: $0.0026-$0.0132 per message (40-60% cheaper than promotional)
• Session Messages: $0.0037-$0.0229 per message
• Monthly Minimum: Small fee from Viber to keep business account active

Real Results from Viber Banking

Financial institutions using Viber report measurable improvements:

• 20% increase in loan applications from personalized Viber campaigns
• 60-80% cost reduction vs. SMS OTP delivery
• 40% faster first-response time in customer support
• 53% code redemption rate for promotional vouchers
• 401% increase in total sales for one retail brand using Viber
• 75% increase in Net Promoter Score for an airline using Viber notifications

Case Study - NLB Bank Montenegro: Adopted Viber for transactional and event-triggered messaging after recognizing it as customers' primary messaging platform, ensuring data security while meeting customers on their preferred channel.

Case Study - Eurobank: Collaborated with Viber to develop SecurePlus Messages, now available globally for financial institutions handling sensitive customer information.

For examples from other industries, see our guide on Viber for e-commerce, which demonstrates similar engagement improvements.

Start Your Viber Banking Journey with Dexatel

With 64% of senior banking decision-makers admitting slow digital adoption has impacted customer acquisition, the time to act is now.

Viber banking offers secure, cost-effective customer communication that meets modern expectations.

Next steps:

1. Sign up free: dashboard.dexatel.com/sign-up ($2 credit included)
2. Explore the API: developers.dexatel.com/docs/viber-overview
3. Request a demo: dexatel.com/demo
4. View pricing: dexatel.com/pricing/viber

Join the 8,500+ businesses and global banks that trust Dexatel for secure, scalable Viber communication.

Your customers are already on Viber.

Meet them there.