Just like all banks, Indian Overseas Bank also provides different online & offline methods to check the account balance. There are many different ways to check account balance via online & offline modes. It can be done by online modes with the help of Internet banking, mobile banking, etc. Also, the account balance can be checked offline by visiting an ATM, or via SMS.
These services can be accessed from anywhere and at any time so as to track the activities round the clock that are related to their bank account. It is a free-of-cost service that is done to stay updated about the transactions made.
How to check IOB Bank Account Balance Online?
- IOB Balance Enquiry via mobile banking
Account holders are required to register for mobile banking apps before using them:
- IOB Balance Enquiry via mPassbook
- It is an online passbook that users can use to get their account balance and transaction details.
- It contains details of both debit and credit transactions made by the users.
- Users can check their updated balance at all times.
- There is no need to get it updated by visiting the bank like in case of the physical passbook.
- IOB Balance Enquiry via IOB mobile app
- With the help of this app users can avail of various banking services like IOB Balance Check, getting account statements & mini statements, making fund transfers, utility bill payments, etc.
- But to get access to this app, users are required to register for the same.
- IOB Balance Enquiry via IOB Nanban
- It is a multi-lingual app for users who have limited knowledge of English so that they can carry out banking transactions in their preferred language.
- It helps users to check their account balances.
- In this case also, users are required to get their mobile numbers registered for mobile banking.
- IOB Balance Enquiry via Netbanking
Below mentioned are the steps an account holder shall follow to get his/ her account balance via Internet Banking:
- Open the official website of IOB.
- With the help of username and password login to net banking.
- Select the account number for which balance is to be checked.
- Click on “Fetch Balance”.
- Account balance would then be displayed on the screen.
- Also, statement can be downloaded from the portal.
- This service is a free-of-cost service.
- How IOB Balance Enquiry via UPI
Below mentioned are the steps an account holder shall follow to get his/ her account balance via UPI:
- Open any UPI app on the smartphone.
- Enter the passcode set.
- Select the bank account for which balance is to be checked.
- Enter the UPI PIN that has been created.
- The balance would then be displayed on the screen.
How to check IOB Bank Account Balance Offline?
- IOB Balance Enquiry by calling Missed Call Number
The account holders are required to place a miss call to the IOB balance check number through their registered mobile number. Below mentioned are the steps to do IOB Balance Enquiry using missed call banking:
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- Call IOB Balance Check Number i.e. 9289 922 2029 from the mobile number registered with the bank
- The call will automatically disconnect after two to three rings
- Lastly, the account holder will receive the IOB Bank Account Balance via SMS on the registered mobile phone.
- IOB Balance Enquiry via SMS Banking
Below mentioned are the steps to check the account balance with the help of SMS Banking:
- Users are required to send an SMS to 8424022122 from their registered mobile numbers.
- The SMS would be sent in the format “BAL<Last 4 digits of Account Number>” and send it to 8424022122.
- An SMS would then be received containing the account balance.
- To avail of SMS Banking, users are required to get their mobile numbers registered with the bank.
Notably, the designated number for IOB would differ from that of the UCO Bank Balance Check Number or any other number. Hence, it is better to check the same in order to avoid confusion.
The keywords assigned for the different types of transactions are as mentioned below:
- Type “BAL<space>Last 4 digits of Account number” and send it to 84240 22122.
- Type “MINI<space> last 4 digits of the account number” and send it to 84240 22122.
- IOB Balance Enquiry by IOB Passbook
Customers who are not registered for Internet banking or prefer offline modes of banking can get balance checked by getting their passbooks updated. It is considered to be one of easiest methods as customers are only required to visit bank along with the passbook to get it updated.
It needs to be updated regularly so as to view the current balance along with the complete set of transactions made from the account. But this option is not suitable for those who do not visit bank on a regular basis.
- IOB Balance Enquiry by IOB ATM
Below mentioned are the steps to make balance enquiry by visiting ATM:
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- Visit any nearest ATM.
- Enter the ATM card along with PIN.
- Select the option “Balance Enquiry”.
- Also, users can check the last 10 transactions with the help of Mini statement option.
- A receipt will be received containing the last 10 transactions.
- Also, users can visit a non-IOB ATM to check the account balance.
Why should account balance be checked frequently?
Account holders carry out many different transactions, Balance Check is one of them which is carried out for several reasons:
- To ensure there is enough balance left in the bank account.
- To check the status of any payment received.
- To ensure that the cheque submitted has been cleared and the amount of the same has been credited to their bank account.
- To check the amount reflected in the bank account is close to what is expected be left in the account.
Requirement of checking the account balance of the IOB Account
Balance Enquiry is the most common service that accountholders access. IOB Balance check service is availed due to below mentioned reasons:
- Prevents overspending
- In time detection of anomalies and fraud
- Income from Investments
- Prevents EMI missouts
- Ensure all the deposits expected have been received
- To look for unexpected charges