Indian Overseas Bank (IOB) offers its customers the option to check their account balance both online and offline through different modes. For the offline IOB balance check, account holders can go to the nearest branch to update the passbook or visit an IOB ATM. However, these methods are time-consuming and require you to leave the comfort of your home. But you can avoid that by using IOB’s online and mobile banking services. You can make balance enquiries, keep track of your spending habits, spot bank charges, and find any discrepancies without any hassle. Here, you’ll learn how to check your IOB balance online, using the mobile app, UPI app, SMS, missed call and more.
Table of Contents
IOB balance enquiry through SMS
Step 1: If you wish to check your IOB balance via SMS, your mobile number needs to be registered with the bank. For the same, you can submit an application at the nearest IOB branch.
Step 2: Post successful registration, send an SMS from your registered mobile number in the format BAL <space> <last 4 digits of the IOB Account Number> to 8424022122. For instance, if the last four digits of your account balance are 2891, then the message will be BAL 2891.
The bank will instantly send you an SMS with the latest balance details of your IOB account.
How to check Indian Overseas Bank (IOB) balance via missed call
If you have registered your mobile number with the Indian Overseas Bank, you can avail the missed call banking facility to get your balance information on phone within seconds. All you need to do is dial 04442220004 from your registered mobile number and wait for the call to disconnect automatically. You’ll receive your IOB account balance details via SMS.
Indian Overseas Bank balance check through USSD code
Another simple method for IOB account balance enquiry without an internet connection is with the help of the USSD Code. Follow these steps to get your account balance details:
Step 1: Dial *99*52# from your registered mobile number and press the call button.
Step 2: On the screen that appears, choose the language that you prefer.
Step 3: Next, type in the IFSC code or the two-digit bank code.
Step 4: From the drop-down menu, select Send.
Step 5: Now, follow the on-screen instructions to get your account balance details.
How to check Indian Overseas Bank (IOB) balance via net banking
You can visit the IOB net banking portal to check your account balance online at any time, using a PC or mobile phone. But before that, you’ll have to register for the IOB internet banking facility via the website or by visiting the nearest bank branch. Here’s a step-by-step guide:
Step 1: Click here to visit the official net banking portal of Indian Overseas Bank.
Step 2: If you haven’t registered yet, select New User Registration under Assistance. Fill in your particulars and click on Submit to activate internet banking facility.
Step 3: Once the registration is done, open the IOB internet banking portal again and enter your Login ID and Password.
Step 4: Now, enter the Captcha and click on Login to open your account dashboard.
Step 5: Under the account summary section, select the Balance Enquiry The latest balance in your IOB account will be displayed on the screen.IOB Bank account balance enquiry through mobile banking
Indian Overseas Bank has a couple of mobile applications that allow its customers to access banking services like account balance checks anytime, anywhere. A basic requirement is that you need to register for IOB mobile banking services to be able to use their applications. The same can be done by visiting the nearest IOB ATM or bank branch or through the app itself. Listed below are the steps to check your account balance using the IOB Mobile app:
Step 1: Click here to download the IOB Mobile app from Google Play or App Store.
Step 2: After installation, open the app, provide necessary permissions and then, follow the on-screen instructions to complete the registration process.
Step 3: Now, log in to the app using the 6-digit Login Passcode set earlier and you’ll be able to view your account balance on the main page itself.
How to Check Indian Overseas Bank (IOB) balance through UPI
In case you already have a UPI app, such as PhonePe, Google Pay (Tez), Amazon Pay, Paytm, etc. installed on your mobile phone, you can use the same to find your IOB account balance. You only need to ensure that the UPI app is installed on the phone with the SIM with the IOB-registered mobile number. Start by linking your Indian Overseas Bank account to the UPI app and thereafter, follow these steps to find your account balance:
Step 1: Open the UPI app and on its homepage, find Check Balance (or similar) option.
Step 2: Once you click on it, you’ll get a list of all the bank accounts linked with the UPI app. Select the IOB account.
Step 3: Now, enter the 4-digit or 6-digit UPI PIN you’ve set to check the balance of your IOB account.
IOB balance enquiry through ATM
Step 1: Visit the nearest IOB Bank ATM.
Step 2: Insert/Swipe the IOB Bank ATM card and enter the ATM PIN.
Step 3: Choose the ‘Balance Enquiry’ option.
This will show the account balance on the screen.
Indian Overseas Bank balance check through mPassbook
Step 1: Download and install the IOB mPassbook app on your mobile phone.
Step 2: Open it and log in using credentials like MPIN.
Step 3: Select the balance option and you will get the details. This is like a digital passbook reflecting all your transactions.
FAQs
What information do I need to check my IOB balance online?
You will require your IOB net banking user ID and password to log in and check the balance.
Can I check the last 5 transactions?
Call on 8424022122 and you will get the details about the last 5 transactions on the IOB through text SMS. You can also send MINI <space> < last 4 digits of IOB account number> and to 8424022122 from your registered mobile number and get the same details.
What if I don’t have a smartphone or internet access?
You can check the IOB balance through missed calls or SM (from a basic/feature phone). Or you could visit the nearest IOB ATM or the branch itself to get the balance details.
How to register my mobile number in the Indian Overseas Bank?
Visit your nearest Indian Overseas Bank branch and ask the bank representative to give you the account update form. Fill in all your bank-related particulars, along with your mobile number and submit the form. Your mobile number will be registered with the bank.
How to register for Internet banking or mobile banking services offered by IOB?
You need to apply for net banking and mobile banking facilities at the time of opening your IOB account. But in case you missed doing so, you can visit your nearest branch and submit the duly filled application forms for net banking/mobile banking along with KYC documents. Post verification, you’ll receive the login credentials for online banking services via mail.
How to check the account balance and mini statement via ATM?
It’s quite simple. Visit the IOB ATM (or a non-IOB ATM affiliated with Indian Overseas Bank), swipe your ATM card in the machine and put in your ATM PIN to log in. Choose the Balance Enquiry option to check the current available balance in your IOB account. Choose the Mini Statement option to get a printed receipt containing the last 5 account transactions.
