Indian Overseas Bank balance enquiry: How to check IOB account balance online, via missed call, and more

Indian Overseas Bank (IOB) balance check can be done online via internet banking and app as well as using missed call service, SMS, and more

Indian Overseas Bank (IOB) is a public sector bank that was founded in the year 1937. The bank has about 3,214 domestic branches, about 4 foreign branches and a representative office. Among many other things, IOB offers its customers 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 need not worry! The array of online and mobile banking services offered by IOB lets you make balance enquiries and much more without any hassle. Keep reading to learn how you can check your IOB balance online, using mobile phone, and more.

Indian Overseas Bank balance check

There are six different ways for Indian Overseas Bank customers to make a balance enquiry without the need to visit the nearest bank branch or ATM. Customers who have registered for net banking with Indian Overseas Bank can visit their internet banking portal. If you are using your registered mobile number to check your account balance, you can do the same via missed call, SMS and USSD code. Another option is to register for IOB’s mobile banking apps like IOB Mobile and BHIM IOB UPI or use other UPI apps installed on your phone.

How to check IOB account balance online

Indian Overseas Bank account balance can be checked online via internet banking, apps, and UPI platforms. Here’s how to do it:

Via Internet 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:

  1. Click here to visit the official net banking portal of Indian Overseas Bank.
  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.
  3. Once the registration is done, open the IOB internet banking portal again and enter your Login ID and Password.
  4. Now, enter the Captcha and click on Login to open your account dashboard.
  5. Under the account summary section, select the Balance Enquiry The latest balance in your IOB account will be displayed on the screen.

Via Mobile App

Indian Overseas Bank has a couple of mobile applications that allow its customers to access banking services like account balance check 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 apps itself. Listed below are the steps to check your account balance using the IOB Mobile app:

  1. Click here to download the IOB Mobile app from Google Play or App store.
  2. After installation, open the app, provide necessary permissions and then, follow the on-screen instructions to complete the registration process.
  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.

Via UPI App

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:

  1. Open the UPI app and on its homepage, find Check Balance (or similar) option.
  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.
  3. Now, enter the 4-digit or 6-digit UPI PIN you’ve set to check the balance of your IOB account.

How to check Indian Overseas Bank account balance via SMS Banking

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. 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 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 enquiry via USSD Codes

Another simple method for IOB account balance enquiry without internet connection is with the help of the USSD Code. Follow these steps to get your account balance details:

  1. Dial *99*52# from your registered mobile number and press the call button.
  2. On the screen that appears, choose the language that you prefer.
  3. Next, type in the IFSC code or the two-digit bank code.
  4. From the drop-down menu, select Send.
  5. Now, follow the on-screen instructions to get your account 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 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.

    Can I check my last 5 IOB account transactions via SMS?

    Yes, Indian Overseas Bank gives you your last 5 account transaction details via SMS through a mini statement. Just type MINI <space> < last 4 digits of IOB account number> and send it to 8424022122 from your registered mobile number.