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IMEI numbers are a source of both mystery and paranoia within many circles around the Internet. These cryptic, nebulous numbers stamped around various parts of your phone are commonly used to identify it, leading some to wonder whether they can be used for surveillance or other nefarious activities. We’re here to demystify IMEI numbers and tell you what they are, how they work, and how you can find them.

If you know what an IMEI number is and just want to know how to check the IMEI on your phone, you can jump straight to it here.

What Is an IMEI Number?

The International Mobile Station Equipment Identity number (IMEI) is used to identify a device that uses terrestrial cellular networks.

Image source: Wikimedia Commons

What is a terrestrial cellular network? It’s the network you use when you place a call on your cell phone or access an Internet connection provided by your cellular carrier through your data plan. It’s called “terrestrial” because it uses planet-side antennas, not satellites, to connect.

Since the IMEI standard is used for any terrestrial cellular network device, 3G/4G/5G tablets, laptops with older PCMCIA or newer integrated PCIe 4G LTE/5G wireless cards, and other mobile equipment are also tagged with these numbers. If you have a dual-SIM phone, you’ll see two IMEI numbers, one for each SIM slot.

What Is the Purpose of an IMEI Number?

IMEI numbers have one principal purpose: To identify mobile devices. Their secondary purpose is to prevent theft. If a mobile device can be universally identified, a thief cannot change the SIM card on a phone and expect to keep it. IMEI numbers are hard-coded onto the device itself rather than the card, providing an extra layer of identification that isn’t tied to something interchangeable.

When a carrier knows that a device has been stolen, it can blacklist the IMEI code and lock it out of the network. It may also tell other cellular networks to do the same. Each country has its own policy for how this works, either using a blocklist (the majority do this) or an “allowlist” (a whitelist that carriers can add to, used in a few countries like Chile, Iran, Turkey, and Pakistan).

Note that this mainly happens when the carrier is the one that issued the phone. If you buy a phone online that’s not attached to your mobile carrier’s plan, you may be on your own, as your carrier may not have the legal green light to blacklist the IMEI number.

Can the Government Use My IMEI Number to Track Me?

Short answer: yes.

Long answer: It depends. If they can’t attach a name or some form of personal identification to your IMEI number, they don’t know who your phone really belongs to. This is often the case with prepay customers. Since they don’t sign contracts with their wireless carriers, there’s no way to attach a face or ID card to the IMEI number. The process of doing so is tedious at best.

This is why governments in Europe (with the exception of Romania, Latvia, Lithuania and several other Eastern European nations) and some in the Middle East have passed legislation that requires purchasers of prepaid SIM cards to present photo identification. In fact, the tally as of 2023 was up to 157 governments.

If you have a contract with a mobile carrier, the government could use a search warrant to access your IMEI information for number and location tracking. Even if you swap out your SIM card with a subscription for a prepaid one, you can still be traced.

The government is not the only entity you should worry about. Hackers can also trace you using your IMEI number. However, these situations rarely ever happen to the average citizen, as the effort required to mount such a surveillance operation is still immense. If you want to stay under the radar, try a burner phone.

Do ALL Mobile Devices Have IMEI Numbers?

Since counterfeit phones aren’t made with regulatory compliance in mind, they often lack IMEI numbers. In 2010, India encountered problems with these devices, and they tried to counteract the issue for years. The answer to the question is, “No, some devices do not have IMEI numbers, but they are universally illegal.”

Image source: Wikimedia Commons

You’ll find it impossible to connect to some carriers without an IMEI number anyway, so it’s generally not worth trying to subvert the system.

Is My IMEI Number Valid?

Some counterfeit phones have bad IMEI numbers. The easiest way to check the validity of an IMEI number manually is by using the Luhn formula for verification of identification codes (for Android phones, use the method listed here). If you want an easier way to check your IMEI, there’s always the online checker at IMEI.Info.

How to Check Your IMEI Number on Android

The fastest method of checking the IMEI number on your phone is to open your keypad and type *#06#. Your IMEI number should pop up on your screen instantly. You won’t be able to copy and paste the number, unfortunately, so you’ll need to write it down separately.

If you’re a bit of a hoarder, prepare to feel vindicated for holding onto that box your smartphone came in! The IMEI number of a new phone is usually written on the box, possibly on a sticker with the barcode on it.

If none of the above methods work, then you may be able to find your IMEI number on your SIM card tray, or if your phone has a removable cover, under the phone battery, unless you use an eSIM.

How to Check Your IMEI Number on iPhone

The method for checking the IMEI on your iPhone is much the same. Just enter *#06# on your phone keypad, hit the green “Call” button, and your IMEI will appear on the screen.

That failing, you can just follow Apple’s instructions to locate the IMEI number for your specific iPhone/iPad model. On most phones, this number is located below the iPhone logo or in the SIM tray.

Run IMEI Check for Your Phone

Now that you have your IMEI, you want to do something with it, right? There are plenty of sites where you can enter your phone’s IMEI number – such as chúng tôi – and in return, you’ll get a list of exact specifications and information about your device. Another site, imeipro.info, lets you use your IMEI number to check whether your phone has been blacklisted/reported as lost or stolen. It’s always good to do if you’re buying a phone secondhand.

Frequently Asked Questions Can someone spoof my IMEI number?

Although it’s completely unlikely, it’s theoretically possible. The problem is that there’s really no incentive to spoof the IMEI number of someone at random.

There are a few tools out that allow you to reproduce an IMEI number. The only discoverable instance where such a tool was used in a large operation was when users rooting their Android phones lost their IMEI numbers, and a special post-root procedure returned them.

If you find yourself the target of an IMEI spoofing attack, there’s really nothing you can do to protect yourself other than to go to your carrier immediately.

The only sign that shows this attack is occurring is that you’ll get network errors when you try to place a call or access mobile Internet. However, this error could also happen when your SIM card is faulty. Again, only your carrier can help you with either situation.

Are there alternatives to IMEI?

No. IMEI as a standard has been so thoroughly grafted into how mobile networks operate that creating an alternative would simply create too many issues for people who use international roaming. Making another standard would require a large amount of resources and currently no country stands to benefit from doing so.

Even the 2023 conflict in Ukraine, despite creating an enormous trade crisis between many countries and the Russian Federation, was not enough to get anyone to meddle with IMEI standards or block phones from either country. This should provide some perspective on how resilient this system is and how resistant the world is to mess with this standard. Even the SWIFT banking system the majority of the world uses is less resilient!

What should I do if my phone’s stolen?

Go to your carrier immediately and ask them to block the IMEI number they have on record for you. You may be surprised how quickly they would be able to solve this issue. Depending on what your carrier is legally allowed to do, you might even be able to locate and recover your device.

If the latter can’t happen, though, the best you can do is prevent the device from being useful to the person who stole it by wiping your phone’s data remotely, if possible.

Is it okay to share my IMEI number if someone asks for it?

Although there’s little some random person can do with your IMEI number, you should be suspicious of anyone asking for it. It could be a phishing scam. Generally, the number isn’t useful to anyone else other than the person possessing the device and the cellular network carrier they use.

In short, don’t give anyone your IMEI number unless it’s your phone service provider. Even people working at the manufacturer wouldn’t need it to help you.

Can websites track your phone/IMEI number?

If you didn’t give your IMEI to anyone, it’s impossible for them to track you. Giving it away will always present that possibility. In the particular case of websites, if they have access to signal intelligence equipment in your local area, they could execute a man-in-the-middle attack and listen in on your calls, then store them in a database.

The contents of the calls of thousands of random people over any given day wouldn’t necessarily be of interest to a website. Still, you never know. It’s always better to not give away information on the Internet that isn’t absolutely necessary, even if it feels like it’s the right thing to do at the time.

Always ask yourself if your privacy is more important than the convenience that might be offered by giving it away. It usually is! Speaking of your privacy, here’s one more way to protect it: use virtual credit cards.

Image credit: Wikimedia Commons

Miguel Leiva-Gomez

Miguel has been a business growth and technology expert for more than a decade and has written software for even longer. From his little castle in Romania, he presents cold and analytical perspectives to things that affect the tech world.

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Everything You Want To Know About Vines

Humble Beginnings

Vines are short six-second looping videos created on a mobile app. The app is available for iOS, Android, and Windows Phone. These videos can be shared in the Vine social network or on Twitter or Facebook as well. They can now also be shared in a private message between friends.

Vine was started in June 2012, and Twitter quickly picked it up for their own use later that year for a rumored $30 million. It made its way to iOS in early 2013 and to Android that following June. In April of that year it was already the most-downloaded free app at the iOS App Store.

Signing Up and Exploring

Following

Messages

You can create Vines and message them to your friends, and the best part is they don’t have to have the Vine app to view your Vines. You can send them via email or SMS. You can respond via Vine or via text as you keep the conversation going.

Creating a Vine

Conclusion

Laura Tucker

Laura has spent nearly 20 years writing news, reviews, and op-eds, with more than 10 of those years as an editor as well. She has exclusively used Apple products for the past three decades. In addition to writing and editing at MTE, she also runs the site’s sponsored review program.

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Everything You Need To Know About Emui 11

Robert Triggs / Android Authority

EMUI 11 is Huawei‘s latest take on Android 10, not Android 11, as you may have expected from the naming scheme. That’s pretty big news, as it’s a departure from HUAWEI’s previous scheme of matching EMUI and Android build numbers. This means that existing and upcoming HUAWEI devices won’t sport the latest Google additions to the Android formula, relying instead on HUAWEI’s own tweaks. HUAWEI notes that Google has only just made Android 11 open source for them to access and that it believes EMUI already includes superior features anyway.

We won’t dwell on that here. Let’s see what’s actually new with EMUI 11. HUAWEI’s update focuses on three core principles: user interface improvements, privacy and security, and what HUAWEI calls “seamless AI life.”

We originally got our hands on an early EMUI 11 version running on the HUAWEI P40 Pro to try out some of the new features for ourselves. The software also shipped with the HUAWEI Mate 40 series, giving us hands-on time with the finished product too. You can read more about our impressions at the link below.

EMUI 11 features Tweaking the user interface

This feature is HUAWEI’s best addition to EMUI, as power users will undoubtedly find the multitasking potential invaluable. That said, getting used to minimizing apps in and out of the orb takes some time, and I imagine that many users may end up forgetting this feature exists.

Privacy and security

Security is the third and final pillar of HUAWEI’s latest OS software, which builds on ideas that started with EMUI 10. For starters, HUAWEI has revamped app permissions.

With EMUI 11, notification icons display whenever a foreground app uses your phone’s location, microphone, or camera. Background apps are now completely forbidden from using the mic and camera. Permission pop-ups for these settings no longer display an option to “always allow”. It is instead relegated to the permissions manager settings menu.

HUAWEI has also introduced new permission access history and app launch record pages to the settings menu, allowing you to see times and number of requests.

Product integration

Robert Triggs / Android Authority

Huawei’s ecosystem spans a range of products and the company is working to integrate them ever closer together. Multi-screen Collaboration enters its third iteration, allowing you to share documents, watch movies, and play mobile games from your phone on your HUAWEI or HONOR laptop. Up to three apps are now supported on a single PC simultaneously for improved multitasking.

Huawei’s Celia Voice Assistant also receives some love, with new support for Italian and German. This brings the total to 7 different languages available in 11 countries. The MeeTime voice call service also sees a wider rollout, heading to Poland, Singapore, the Philippines, Saudi Arabia, and South Africa, across three devices.

EMUI 11 release date and eligible devices

HUAWEI EMUI 11 arrived in earnest with the HUAWEI Mate 40 series and a stable update has been available for HUAWEI P40 smartphones since December 2023. Most HUAWEI Mate 30 series and Mate XS owners should also have seen the update notification in early 2023 as well.

Plenty more devices are on the roadmap for 2023 too. HUAWEI P40 and Mate 20 owners should see the EMUI 11 update start landing on their devices from February 2023. The Mate 20 PR Porsche Design and other variations should also start seeing updates throughout March 2023. The HONOR 30, V30, Nova 7, and others are also on the roadmap and should see their update land in the first half of 2023.

Interestingly enough, devices running EMUI 11 may also be eligible to upgrade to Harmony OS, HUAWEI’s in-house Android operating system, further down the line.

Up next: Hands-on with EMUI 11

Everything You Need To Know About Fake Cell Towers

How A Fake Cell Tower Works

To learn how fake cell towers work, we have to have a little background on the real ones. Your service provider must authenticate your SIM card with a phone number that gives it a sort of “account.” Everything that passes through that tower is usually encrypted (depending on how the provider sets its system up) and mostly tap-proof. So, how can someone listen in on your calls simply by catching your signal? To get to your phone and listen to your calls, a fake tower must be able to imitate your provider’s handshake.

In case you don’t understand what I mean by “handshake”, it’s basically a word used to describe the unique way in which your phone and your provider say “hello” to each other and determine their identities on the network. From the handshake onward, you are authenticated, which means that you and the tower you’re connected to are communicating on a “first name basis.” You’re able to place calls and ping the tower at any time. So, all a fake cell tower has to do is imitate this behavior from the provider’s side and pretend to be one of your provider’s towers during the handshake. The phone will only know how to communicate with the fake tower instead of the real one.

The fake tower must also relay your phone’s signals to the real one so that it can establish a connection with the rest of the network.

If this sounds confusing, let me make it a little simpler: A fake cell tower will imitate your provider’s behavior to you, while it also imitates your behavior to the real tower that’s supposed to be transmitting your signals.

What Fake Towers Can Do

Since your phone is now “attached” to this tower, it can now record anything from metadata to the content of your actual calls. It can also be used by scammers to send falsified text messages and phone calls your way. The latter problem has already been identified in China and reported on The Verge. Someone received a text message from their bank’s phone number, but the bank did not send it. A fake tower the phone connected to had intercepted the phone’s signal to its provider and sent the message originating from the bank’s phone number.

In the US, fake towers called Stingrays are being used by unknown entities (although some are claiming it is the government). The reason why the government is a prime suspect in this case as opposed to scammers (as we have observed in China) has to do with the fact that this particular tower is an IMSI-catcher, which basically captures the information about your phone and analyzes the data it gathers. This sounds more like a wide-scale surveillance operation than a scam project.

To be clear: It’s not known to us whether the US government is actually running these towers or whether they are listening to calls. All that is known is that the towers are collecting information related to the phones themselves. Anything else said on this subject is pure speculation and shouldn’t be taken at face value until there’s evidence to support it.

How Many Are There?

I cannot necessarily speak veritably about information regarding other countries, since such information is not present at this time. However, in the United States, there may be as many as nineteen towers, as seen in this map from ESD’s CEO:

This is all the information we have, and it’s very likely that there may be other towers that remain undiscovered.

How You Can Protect Yourself

Theoretically, there is no surefire way to protect yourself against infiltration from fake cell towers. To protect yourself from scammers, simply call whatever number contacts you from a land line. If there’s a strong difference between the person who contacted you on your mobile and the person you contacted on a land line, then your cellphone is probably being commandeered by a fake tower.

If you have lots of money to shift around, you can throw it at a CryptoPhone. These phones are specifically built to deal with interception from fake towers. However, I must warn you that such an investment could prove useless if the people producing fake towers can circumvent the security measures that this phone takes.

Miguel Leiva-Gomez

Miguel has been a business growth and technology expert for more than a decade and has written software for even longer. From his little castle in Romania, he presents cold and analytical perspectives to things that affect the tech world.

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Our latest tutorials delivered straight to your inbox

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By signing up, you agree to our Privacy Policy and European users agree to the data transfer policy. We will not share your data and you can unsubscribe at any time.

Everything You Need To Know About Neural Architecture Search

Neural architecture search is an aspect of AutoML- Here is an in-depth elaboration of the NAS system

Handcrafting neural networks to find the best performing structure has always been a tedious and time-consuming task. Besides, as humans, we naturally tend towards structures that make sense in our point of view, although the most intuitive structures are not always the most performant ones.

Walking into the Depths of Neural Architecture Search

An alternative approach to NAS is based on evolutionary algorithms, which have been employed by several groups. An Evolutionary

Reinforcement Learning

Reinforcement learning has been used successfully in driving the search process for better architectures. The ability to navigate the search space efficiently to save precious computational and memory resources is typically the major bottleneck in a NAS algorithm. Often, the models built with the sole objective of a high validation accuracy end up being high in complexity–meaning a greater number of parameters, more memory required, and higher inference times.  

Neuroevolution

Floreano et al. (2008) claim that gradient-based methods outperform evolutionary methods for the optimization of neural network weights and those evolutionary approaches should only be used to optimize the architecture itself. Besides deciding on the right genetic evolution parameters like mutation rate, death rate, etc. There’s also the need to evaluate how exactly the topologies of neural networks are represented in the genotypes used for digital evolution.  

Designing the Search Strategy

Most of the work that has gone into neural architecture search has been innovations for this part of the problem which is finding out which optimization methods work best, and how they can be changed or tweaked to make the search process churn out better results faster and with consistent stability. There have been several approaches attempted, including Bayesian optimization, reinforcement learning, neuroevolution, network morphing, and game theory.  

More Trending Stories 

Handcrafting neural networks to find the best performing structure has always been a tedious and time-consuming task. Besides, as humans, we naturally tend towards structures that make sense in our point of view, although the most intuitive structures are not always the most performant ones. Neural Architecture Search is a subfield of AutoML that aims at replacing such manual designs with something more automatic. Having a way to make neural networks design themselves would provide a significant time gain, and would let us discover novel, good performing architectures that would be more adapted to their use-case than the ones we design as humans. NAS is the process of automating architecture engineering i.e., finding the design of a machine learning model . Where it is needed to provide a NAS system with a dataset and a task (classification, regression, etc), it will come up with an architecture. And this architecture will perform best among all other architectures for that given task when trained by the dataset provided. NAS can be seen as a subfield of AutoML and has a significant overlap with hyperparameter chúng tôi alternative approach to NAS is based on evolutionary algorithms, which have been employed by several groups. An Evolutionary Algorithm for Neural Architecture Search generally performs the following procedure. First, a pool consisting of different candidate architectures along with their validation scores (fitness) is initialized. At each step, the architectures in the candidate pool are mutated (eg: 3×3 convolution instead of a 5×5 convolution). Next, the new architectures are trained from scratch for a few epochs and their validation scores are obtained. This is followed by replacing the lowest scoring architectures in the candidate pool with the better, newer architectures. This procedure is repeated multiple times and thus the candidate pool is refined over time. Mutations in the context of evolving ANNs are operations such as adding or removing a layer, which includes changing the type of a layer (e.g., from convolution to pooling), changing the hyperparameters of a layer or changing the training hyperparameters. NAS algorithms design a specific search space and hunt through the search space for better architectures. The search space for convolutional network design in the paper mentioned above can be seen in the diagram below. The algorithm would stop if the number of layers exceeded a maximum value. They also added skip connections, batch normalization, and ReLU activations to their search space in their later experiments. Similarly, they create RNN architectures by creating different recurrent cell architectures using the search space shown below. The biggest drawback of this approach was the time it took to navigate through the search space before coming up with a definite solution. They used 800 GPUs for 28 days to navigate through the entire search space before coming up with the best architecture. There was a need for a way to design controllers that could navigate the search space more intelligently.Reinforcement learning has been used successfully in driving the search process for better architectures. The ability to navigate the search space efficiently to save precious computational and memory resources is typically the major bottleneck in a NAS algorithm. Often, the models built with the sole objective of a high validation accuracy end up being high in complexity–meaning a greater number of parameters, more memory required, and higher inference times.Floreano et al. (2008) claim that gradient-based methods outperform evolutionary methods for the optimization of neural network weights and those evolutionary approaches should only be used to optimize the architecture itself. Besides deciding on the right genetic evolution parameters like mutation rate, death rate, etc. There’s also the need to evaluate how exactly the topologies of neural networks are represented in the genotypes used for digital chúng tôi of the work that has gone into neural architecture search has been innovations for this part of the problem which is finding out which optimization methods work best, and how they can be changed or tweaked to make the search process churn out better results faster and with consistent stability. There have been several approaches attempted, including Bayesian optimization, reinforcement learning, neuroevolution, network morphing, and game theory.

Everything You Need To Know About Rbi’s Kyc Guidelines

RBI updated its regulation in September for KYC and here we are answering some frequently asked questions about the process of KYC.

Answer: An individual needs to submit an identity and address proof to the respective bank with a recent photograph.

Answer: According to the Indian government, there are six documents that can be considered as ‘proof of identity’ and ‘proof of address’ which include Passport, Driving Licence, Voters’ Identity Card, PAN Card, Aadhaar Card issued by UIDAI and NREGA Job Card. Usually, these documents consist the individual’s address but, in case it is not mentioned then an additional ‘proof of address’ has to be submitted.

Question: Can anyone open a bank account without submitting the above-mentioned documents?

Answer: Yes, one can open a bank account without submitting the documents mentioned above. The individual needs to submit a recent photograph and put the signature or thumb impression in front of the bank official. Such account will be termed as ‘Small Account’.

Answer: If you open a ‘small account’ then it will have the following restrictions:

The balance cannot exceed Rs 50,000 at any point of time

The total credit within a year cannot exceed Rs 1,00,000

The total transfers and withdrawal should not exceed Rs 10,000 in a month

The account cannot accept foreign remittances

The ‘small account’ remains operational for a period of 12 months. If a customer applies for any valid documents within 12 months then this account operational validity increases to next 12 months.

Answer: Ideally no, for any normal account to be open, an individual need to submit a particular official Proof Of Identity (PoI) or the following documents:

An identity card issued by Central/State Government Departments, Statutory/Regulatory Authorities, Public Sector Undertakings, Scheduled Commercial Banks and Public Financial Institutions with person’s photograph.

Or

    2) A letter issued by a gazetted officer, with person’s photograph with duty attested

Utility Bill which includes electricity, telephone, postpaid mobile phone, piped gas, and water bill. This bill can be of any service provider and should not be older than 4 months

Municipal or property tax receipt

Bank Account or Post Office savings account statement

Pension or family Pension Payment Orders (PPOs) issued to retired employees by Government

Letter of allotment of accommodation from employer given by State or Central Government departments, statutory or regulatory bodies, scheduled commercial banks, public sector undertakings, financial institutions and listed companies. Documents provided by Government departments of foreign jurisdictions or letter issued by Foreign Embassy or Mission in India

These documents are not the only way to judge an individual’s eligibility. The final decision is in the hands of the bank to let an individual open the bank.

Question: How can I open an account if my name has been changed and I do not have any OVD with a new name?

Answer: One can submit a copy of marriage certificate issued by the state government or Gazette notification that indicates the changed name. Along with this, a document with previous name has to be presented if a person has a changed name due to marriage or otherwise.

Answer: Yes, it is mandatory for banks to classify customers into three categories – low, medium and high risk, depending on their AML risk assessment

Question: Do bank notify about risk assessment to the customers?

Answer: No, banks do not notify the customers about their risk assessment.

Answer: In this case, you might not be able to open a bank account.

Question: Is Aadhaar Card valid for opening a bank account?

Answer: Yes, Aadhaar card is now categorised under OVD for both identity and address.

Answer: No, you can provide any other OVD from the above-mentioned list.

Question: What is e-KYC? How does it work?

Answer: e-KYC is the electronic form of Know Your Customers.

e-KYC can be done for the customers who have Aadhaar numbers. For doing e-KYC service, the customers needs to authorize the Unique Identification Authority of India (UIDAI), by own consent to reveal the identity/address information through biometric authentication to the respective bank branches/business correspondent (BC).

Question: Is it mandatory to give the introduction at the time of opening an account?

Answer: No, it is not necessary.

Question: If I am staying in a Mumbai and my address states address of Jaipur then can I open the bank account in Mumbai?

Answer: Yes, you can open a bank account in Mumbai. You just need to provide a statement of your current residing address for communication purpose.

Answer: Yes, you can transfer an account from one branch to another branch of the same bank. KYC is only required if you have changed you current address. If the address on your previously submitted OVD is also changed then KYC is again required.

Question: Do I have to do KYC every time I open a different account within the same bank?

Answer: No, if you have already completed your KYC then you can open other accounts without undergoing the exercise again. But, in the case of opening a bank account in a different bank, you need to do KYC again.

Question: Which banking transactions require PAN number?

Question: Is KYC applicable for Credit/Debit cards?

Answer: There is no need for a separate KYC for debit cards, as these are issued after opening an account. For Credit/Smart Cards, KYC is mandatory in case you don’t have a bank account with the respective bank.

Question: Do I need to do KYC exercise if I need to make a remittance and I do not have a bank account?

Answer: Yes, you need to undergo KYC exercise if you want to make domestic remittances of Rs 50,000 or above.  For all foreign remittances, you need to undergo KYC.

Answer: Yes, demand draft, payment order, traveller’s cheques for below Rs 50,000 can be purchased against cash. For a bigger amount, it can be done by way of debiting the customer’s account or against cheques.

Question: Is KYC necessary while purchasing third-party products?

Answer: Yes, if a customer does not have a bank account then a proof identity and address should be produced. KYC exercise is not necessary for the bank’s own customers for third party products. But, in the case of a transaction above Rs 50,000, PAN number has to be produced. Also, the payment should be made by debit from customers’ accounts or against cheques for remittance of funds/issue of travellers’ cheques, the sale of gold/silver/platinum.

Question: What are the rules of periodic KYC and why my bank insist on doing KYC again after doing it once?

Question: What If I am unable to submit KYC documents at the time of periodic update?

Answer: If it is necessary to provide KYC documents and you are unable to provide them then the bank can close your account. Before closing, the bank may impose ‘partial freezing’. After ‘partial freezing’ you cannot debit from your account while credit will be operational. Later, even credits will be not allowed.

Question: How partial freezing is imposed?

Answer: It can be done in the following ways: –

A bank will give you three months notice before implementing partial freezing

A reminder of further three months will be sent to you

After that partial freezing will be imposed. Allowing credits and disallowing debits with the freedom of closing your account

If KYC is still not completed after six months of partial freezing then your account will be closed

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