3104 is your Cash Pal secret code.Use this in your application.If you haven't applied, ignore this SMS.Your number can't be used without this code.
Hi Paul. Thank you for your account application 92FXAX with Beyond Bank. To verify your identity please visit https://beyondbank.idkit.co/3858c95066f19c8ebc7089ee5ed4748c and complete your application.