Useful WhatsApp Message Templates for Fintech in 2025
In 2025, customers want fast, clear, and helpful communication. And where are they most active? On WhatsApp. For fintech companies, using WhatsApp isn't just an option anymore, it's a smart, strategic move.
But the challenge is knowing what to say and how to say it. That’s where message templates come in handy.
This article will help you find useful WhatsApp message templates designed specifically for fintech businesses. Whether you're sending payment reminders or guiding users through onboarding, these templates will save time and build stronger relationships.
Why WhatsApp is a Game-Changer for Fintech in 2025
WhatsApp is already used by over 2 billion people worldwide, and it's becoming a major channel for customer engagement. With features like quick replies, rich media, and automation bots, fintech brands can create personal experiences at scale.
Here’s why you should care:
- Most customers respond faster to WhatsApp messages than emails or calls.
- It's cheaper and more effective than traditional communication.
- With the right templates, you can engage users without sounding robotic.
1. New User Welcome and Onboarding Templates
When someone signs up for your app, the first few interactions matter the most. Use WhatsApp to greet, guide, and build trust from Day 1.
Templates:
Use Case - Template Message
Welcome Message - Hi [Name], welcome to [YourApp]! We’re excited to help you manage your money. Tap here to get started: [Link]
KYC Reminder - Hey [Name], your KYC is pending. Complete it in 2 minutes to unlock full access: [Link]
Feature Tour - Want a quick tour of how [YourApp] works? Tap below to learn how to send money, save smart, and more. [Link]
2. Transaction and Payment Notifications
Customers expect real-time updates on their transactions. These templates help build trust and reduce support queries.
Templates:
Use Case - Template Message
Successful Transaction - Payment of ₹[Amount] to [Merchant] is complete. Your balance is ₹[Balance].
Failed Transaction - Oops! Your transaction of ₹[Amount] to [Merchant] failed. Tap here to retry: [Link]
Payment Reminder - Friendly reminder: Your EMI of ₹[Amount] is due on [Date]. Pay now: [Link]
3. Loan and Credit-Related Messages
Make your loan services smoother with timely, informative updates. Keep users in the loop about approvals, dues, and tips.
Templates:
Use Case - Template Message
Loan Application Received - PWe've received your loan request of ₹[Amount]. You'll hear from us soon!
Loan Approved - Good news! Your loan of ₹[Amount] is approved. Tap here to review details: [Link]
EMI Due Reminder - Your EMI of ₹[Amount] is due tomorrow. Pay on time to avoid extra charges: [Link]
4. Security and Fraud Alerts
Financial safety is non-negotiable. Quick alerts can stop fraud and assure your customers that you're watching out for them.
Templates:
Use Case - Template Message
Unusual Login Attempt - Alert: We noticed a login from a new device. Was this you? Yes/No
OTP Message - Your OTP is [XXXXXX]. Do not share it with anyone. Valid for 10 mins.
Suspicious Activity - Unusual activity detected on your account. Tap here to review recent transactions: [Link]
5. Account Summary and Monthly Updates
Keep your users engaged with regular updates. It helps them stay on top of their finances and feel in control.
Templates:
Use Case - Template Message
Monthly Account Summary - Here’s your summary for [Month]: Spent ₹[X], Saved ₹[Y]. Full report: [Link]
Credit Score Update - Your new credit score is [XXX]. Great job! See tips to improve it: [Link]
Budget Tip of the Week - Tip: Set daily limits to manage spending better. Want more tips? Tap here: [Link]
6. Cross-Sell and Upsell Messages
If done right, these messages don’t feel like a sales pitch—they feel helpful. Share relevant products, not spam.
Templates:
Use Case Template Message
Upgrade Suggestion - You’re using [Plan Name]. Upgrade to [New Plan] for better returns and more perks! [Link]
Credit Card Recommendation - Based on your spending, we recommend [Card Name]. Get cashback & offers! Apply now: [Link] Insurance Offers Protect your family with our new term insurance. Starting at just ₹[Amount]/month. [Link]
7. Customer Support and Feedback
Great service keeps customers loyal. Make it easy for them to reach you and share feedback.
Templates:
Use Case - Template Message
Support Ticket Received - Got it! Your request #[TicketNumber] is being reviewed. We’ll update you soon.
Feedback Request - Hey [Name], how was your experience with us this week? Tap to share: [Link]
Chat with Support - Need help? Chat with our support team instantly here: [Chat Link]
Quick Tips for Using WhatsApp Templates in Fintech
A good message is short, clear, and action-driven. Here are some simple tips to make the most of these templates:
Personalize It: Use the customer’s name and relevant details.
Keep it Short: People skim—use simple, clear sentences.
Include Links or Buttons: Make it easy for users to take the next step.
Stay Compliant: Use templates approved by WhatsApp Business API to avoid message rejection.
Get Started with Pre-Approved WhatsApp Templates for Fintech Success
Using pre-approved WhatsApp templates takes the stress out of customer communication. You don’t have to worry about delays, compliance issues, or rejections—just plug in your message and send. It’s a simple way to stay connected, look professional, and save time every single day.
Ready to make your fintech communication faster and smoother?
Let MySMSMantra set you up with WhatsApp Business Messaging that works from day one—templates, setup, automation, all sorted.
Explore WhatsApp Business Solutions with MySMSMantra and start sending messages that actually get noticed.
