Android Phone Not Receiving OTP Messages? Real Reasons and Fixes That Work

Not receiving OTP (One-Time Password) messages on your Android phone can be extremely frustrating—especially when you’re trying to log in, make payments, or verify an account. The network signal may be strong, but the OTP SMS never arrives.

I personally faced this issue while trying to log in to a banking app. Calls and normal messages were working, but OTP messages were not coming at all. After checking SIM settings and message permissions, I was able to fix the issue without changing my SIM card or phone.

In this article, I’ll explain why OTP messages don’t arrive on Android and share fixes that actually work.


How OTP Message Problems Usually Appear

You may notice:

  • OTP SMS not received from banks or apps
  • OTP delayed by several minutes
  • OTP works on another phone with same SIM
  • Incoming calls work but SMS doesn’t
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This usually points to SMS, network, or app-level restrictions.


Common Reasons Android Phones Don’t Receive OTP Messages

1. Network or Signal Issues

Weak or fluctuating network affects OTP delivery.

2. SMS App Restrictions or Permission Issues

Default SMS app may not have proper permissions.

3. Spam Filter Blocking OTP Messages

Some phones automatically block OTP SMS as spam.

4. SIM Toolkit or Carrier Issues

Carrier-side problems can stop OTP delivery.

5. SMS Storage Full

When message storage is full, new SMS won’t arrive.


Fixes That Actually Work

Method 1: Restart Your Phone

This refreshes network and SMS services.

I always try this first, and it fixes the issue many times.


Method 2: Check Network Signal and Switch Modes

OTP requires a stable network.

Try this:

  • Switch from 4G/5G to 3G temporarily
  • Turn Airplane mode ON for 30 seconds
  • Turn it OFF and try again

This forces network re-registration.


Method 3: Check SMS App Permissions

This fix worked for me.

Steps:

  1. Go to Settings → Apps
  2. Open your SMS app
  3. Tap Permissions
  4. Allow SMS, Phone, Contacts
  5. Restart phone

Without proper permission, OTP messages can be blocked.


Method 4: Disable SMS Spam Filter

Spam filters sometimes block OTPs.

What to do:

  • Open SMS app settings
  • Turn off spam protection
  • Check blocked messages folder

Many OTPs land there silently.


Method 5: Clear SMS App Cache

Corrupted cache can block incoming messages.

Steps:

  • Go to Settings → Apps → SMS app
  • Tap Storage
  • Clear Cache (not data)

This does not delete messages.


Method 6: Check SMS Storage Space

If message storage is full:

  • Delete old messages
  • Clear promotional SMS
  • Restart phone
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New OTPs won’t arrive if storage is full.


Method 7: Try SIM in Another Phone

This helps identify the real issue.

  • If OTP arrives on another phone → phone issue
  • If OTP still doesn’t arrive → SIM or carrier issue

Contact your carrier if needed.


Why OTP Works for Some Apps but Not Others

Some apps:

  • Use different SMS gateways
  • Require better signal quality
  • Are blocked by spam filters

That’s why OTP issues may appear selectively.


What You Should Avoid

  • Installing third-party SMS apps unnecessarily
  • Blocking unknown numbers blindly
  • Using aggressive spam blocker apps
  • Resetting phone without trying basic fixes

FAQs

Can Do Not Disturb block OTP messages?

No, but some custom SMS filters can.

Does changing SMS app help?

Yes, setting the default SMS app again can help.

Is this issue phone-specific?

Often yes, not SIM-related.

Should I change SIM card?

Only if carrier confirms SIM issue.


Final Thoughts

If your Android phone is not receiving OTP messages, the problem is usually related to SMS permissions, spam filtering, or network configuration—not a major hardware fault.

From my experience, allowing SMS permissions and disabling spam filtering fixed the issue instantly. Always try software-level fixes before changing SIM cards.

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