How to Check your Indian Overseas Bank Account Balance ?

How to Check your Indian Overseas Bank Account Balance ? – Indian Overseas Bank (IOB) makes it easy and secure to check your account balance, whether you’re online or offline. From their mobile app and internet banking to ATMs and passbooks, IOB gives you multiple simple options to stay on top of your finances. In this guide, we’ll walk you through each balance-check method and answer the most common questions.

Table of Contents

Methods to Check Indian Overseas Bank Account Balance

1. WhatsApp Banking

IOB has introduced WhatsApp banking, allowing customers to check their account balance conveniently through the popular messaging platform.

Steps:

Save the IOB WhatsApp banking number 8424022122 in your contacts.
Open WhatsApp and send “Hi” from your registered mobile number to 8424022122.
You will receive a menu with various banking options.
Select the Balance Enquiry option by replying with the corresponding number (e.g., “1”).
Your account balance will be sent to your WhatsApp chat within moments.

Note: Your mobile number must be registered with IOB to use this service. Ensure you have an active internet connection and WhatsApp installed.

2. Missed Call Service

A quick and accessible way to check your balance without an internet connection.

Steps:

Dial 9210622122 or 9289222029 from your registered mobile number.
Let the call disconnect automatically after one or two rings.
You will receive an SMS with your account balance details.

Note: Your mobile number must be registered with IOB. This service is free.

3. SMS Banking

IOB’s SMS banking service allows you to check your balance by sending a text message.

Steps:

Open your messaging app.
Type BAL <last 4 digits of your account number> (e.g., BAL 1234).
Send the message to 8424022122.
You will receive an SMS with your balance details.

Note: Your mobile number must be registered, and no internet is required.

4. Mobile Banking (IOB Mobile, IOB Nanban, or IOB m-Passbook)

IOB offers mobile apps like IOB Mobile, IOB Nanban, and IOB m-Passbook for balance checks and other services.

Steps:

Download the app from the Google Play Store or Apple App Store.
Log in using your registered mobile number, MPIN, or user ID and password.
Navigate to “My Accounts” or “Account Details.”
Select “View Account Balance” to see your balance.

Note: Activate mobile banking through your IOB branch or net banking. The IOB m-Passbook app also provides a digital passbook.

5. Net Banking

Check your balance online via IOB’s internet banking portal.

Steps:

Visit the IOB net banking portal (https://www.iobnet.co.in).
Log in with your user ID and password.
Go to “Accounts” or “View Account Details.”
Select “Balance Enquiry” to view your balance.

Note: Register for net banking via the IOB website or a branch. This service is free.

6. ATM Balance Enquiry

Use your IOB debit card to check your balance at any ATM.

Steps:

Visit an IOB or non-IOB ATM.
Insert or swipe your debit card.
Enter your 4-digit ATM PIN.
Select “Balance Enquiry” to view your balance on the screen or receive a receipt.

Note: Free at IOB ATMs; non-IOB ATMs may charge a fee.

7. UPI Apps

If your IOB account is linked to a UPI app (e.g., Google Pay, PhonePe, Paytm, or BHIM), you can check your balance instantly.

Steps:

Open the UPI app on your smartphone.
Log in using your security code or biometrics.
Select your linked IOB account.
Click “Check Account Balance” and enter your UPI PIN.

Note: Your mobile number must be registered, and the UPI app must be linked to your account.

8. USSD Code

A convenient option for customers without internet access.

Steps:

Dial *99*52# from your registered mobile number.
Select your preferred language.
Enter the IOB IFSC code or two-digit bank code if prompted.
Follow the instructions to view your balance.

Note: This service is free and works on basic phones.

9. Passbook Update

Traditional customers can update their passbook at an IOB branch or an ATM with passbook printing facilities.

Steps:

Visit an IOB branch or ATM with a passbook printer.
At the branch, request a bank official to update your passbook.
At an ATM, insert your passbook, aligning the barcode correctly.
The updated passbook will show your balance and recent transactions.

Note: Regular updates are needed for accurate balance information.

10. Toll-Free Number

IOB’s customer care number provides balance enquiry services.

Steps:

Dial 1800-4250-0000 from your registered mobile number.
Follow the IVR prompts.
Select the balance enquiry option and provide requested details.
Your balance will be shared via call or SMS.

Note: This service is free but may require identity verification.

Why Check Your IOB Account Balance Regularly?

Financial Discipline: Track spending and savings effectively.
Prevent Overdrafts: Ensure sufficient funds before transactions.
Detect Fraud: Spot unauthorized transactions early.
Plan for Emergencies: Stay prepared for unexpected expenses.

Frequently Asked Questions (FAQs)

Q1: Do I need an internet connection to check my IOB account balance?
No, methods like missed call (9210622122), SMS banking (8424022122), USSD code (9952#), toll-free number (1800-4250-0000), and passbook updates don’t require internet access. However, WhatsApp banking, mobile apps, net banking, and UPI apps need an internet connection.

Q2: Is there a charge for checking my IOB account balance?
Most methods, including WhatsApp banking, missed call, SMS, USSD, net banking, and IOB ATM enquiries, are free. Non-IOB ATMs may charge a fee for balance enquiries.

Q3: How do I register for IOB WhatsApp banking?
Currently, IOB’s WhatsApp banking does not require separate registration beyond having your mobile number registered with the bank. Simply save the number 8424022122, send “Hi” on WhatsApp, and follow the menu. Ensure your mobile number is linked to your IOB account.

Q4: Can I check my last few transactions along with my balance?
Yes, you can request a mini-statement (last 5-10 transactions) via WhatsApp (select “Mini Statement” after sending “Hi” to 8424022122), SMS (send MINI <last 4 digits of account number> to 8424022122), ATM, mobile banking, or net banking.

Q5: Are IOB’s balance check services secure?
Yes, IOB’s services, including WhatsApp banking, require registered mobile numbers, PINs, or passwords. Never share your PIN, MPIN, or password, and report suspicious activity to eseeadm@iobnet.co.in or 044-28519460.

Q6: Can I check my IOB credit card balance using these methods?
For credit card balances, use net banking (“Credit Cards” menu), the IOB mobile app, SMS alerts, or visit an IOB ATM. You can also contact IOB credit card customer care at 1800-425-7744.

Q7: What should I do if I face issues with balance enquiry services?
Contact IOB customer care at 1800-425-4445 or visit a branch. For WhatsApp or net banking issues, email eseeadm@iobnet.co.in or call 044-28519460.

Visit : https://postofficefd.com/how-to-check-your-bank-of-baroda-account-balance/

Also visit : https://www.iob.in/

Varun