Managing one’s finances is crucial, and the first step is checking one’s account balance and transaction details. Tracking one’s bank balance closely helps analyze financial standing, check and identify transactional errors, and plan budget better through controlled spending. This is why Indian Overseas Bank, or IOB, extends several methods to its customers to help them check their account balance and track the same easily.
However, to make the most of such features, it is important to know the different IOB balance check numbers and use the most convenient one.
That said, let’s check out the different Indian Overseas Bank balance check methods and associated numbers.
IOB Balance Enquiry Number
IOB customers can access their account balance detail with one missed call, all they need to do is register their mobile number with the bank and follow these steps –
Step 1: Dial IOB balance check number 9210622122
Step 2: Give a missed call on the number
Step 3: Disconnect the call
After the call disconnects, the user will receive an SMS on their registered number with their IOB account details.
Notably, this is a toll-free service and does not require the customers to have an internet connection or even a smartphone. Additionally, the service is only available to IPB customers other bank customers can’t use the number to check their balance.
IOB Balance Check through Toll-free SMS
IOB customers can also check their account balance via SMS too. To initiate the process, they need to follow these steps from their registered mobile number –
Step 1: Create a text message
Step 2: Type BAL <last 4 digits of account number>
Step 3: Send the text to IOB balance check number 8424022122
Once the message is sent, the bank will send an SMS featuring all the key details of the account balance. This method is also free of charge and doesn’t depend on a smartphone or internet connection.
Other Popular Methods to Check IOB Account Balance
Besides the above-discussed methods, IOB customers can use these methods to check account details –
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Mobile Banking IOB Balance Inquiry
IOB extends multiple banking apps to customers to offer timely assistance to customers. Such apps allow customers to make transactions, check account balance, check cheque status, pay bills, and check mini statements.
Here’s how to use access the apps –
Step 1: Go to Apple or Android app store
Step 2: Download IOB apps from the app store for free
Step 3: Install them on their devices for quick access
This is a fast and effective means of checking one’s IOB balance and tracking the same closely. This method is preferred by those who are tech-savvy and are reliant on an internet connection.
IOB Internet Banking Services Balance Inquiry
Registered Indian Overseas Bank customers can access their bank account balance details by logging into their net banking account.
Here’s how to access one’s IOB account balance via net banking –
Step 1: Open the net banking portal
Step 2:Log into the bank account with the user ID and password
Step 3: Navigate to the ‘Account’ to check the details
Users can also use the account portal to make cash transfers, pay bills, check loans and transactions, recharge their mobile, and check loan status.
However, to enroll for the service, one needs to visit the Indian Overseas Bank branch and submit a duly filled registration form to receive login credentials, i.e., user ID and password. Once the process is complete, users can access the account and utilise the banking features of the portal.
Check IOB Balance with USSD Code
IOB customers also have the option to use the USSD code to check their bank account balance. Notably, the USSD code is 9952#, and the process can be initiated in these steps –
Step 1: Choose a language
Step 2: Enter IOB bank’s 2-digit bank code or IFSC code
Step 3: Select the ‘balance enquiry’ option
Subsequently, one can access their bank account balance details easily.
Notably, only registered customers can access this facility which does not need any internet connection or need a smartphone.
IOB Balance Check from any ATM
IOB customers can access their bank account balance via IOB ATM or any third-party bank ATM.
Here’s how to check your account balance through an ATM
Step 1: Swipe the debit card at the machine
Step 2: Enter their ATM PIN
Step 3: Select the ‘Balance Enquiry’ button
Customers can also check their current account balance and generate an IOB mini statement from the ATM. They can also use a third-party ATM to check account detail and take out a print of the same for future reference.
Check Balance from UPI
IOB customers also allow users to check their account balance and transaction list from any UPI app for free.
Here’s how IOB customers can check their account balance –
Step 1: Open a UPI app
Step 2: Enter access PIN
Step 3: Navigate to ‘Check Account Balance’
User can also check their account transactions from UPI and track their expenses better.
Besides these methods, individuals can also check their IOB account balance by visiting their nearest bank branch. All they need to do is visit the bank with their account passbook and update the same at the bank. An updated passbook will show them all their transactions and help them identify mistakes.
Indian Overseas Bank offers these methods to customers to help them analyze their financial standing without charge. One can pick the most suited IOB balance check method and monitor their balance and transactions based on preference and convenience.
Moreover, keeping track of one’s balance helps to monitor finances and, at the same time, can help avoid overdraft fees. It also comes in handy to identify fraudulent transactions and report them the same quickly to curb any financial fraud.
Checking finances regularly also helps individuals to plan their expenses better, identify where they have been spending unnecessarily and control unwanted spending. This way, they can streamline spending and make the most of one’s savings.
