Indian Overseas Bank Balance Check Online and Offline

Indian Overseas Bank (IOB) account holders can use multiple options to check balances in their savings accounts. They can do so online and offline through various methods as discussed on this page. These methods let accountholders avail banking services from anywhere in a few clicks. Indian Overseas Bank balance check facility is free of cost in most cases and can be done to stay updated with the transactions carried through the IOB savings account.

IOB Balance Check Number

18008904445/18004254445

Methods to Check IOB Account Balance

Indian Overseas Bank savings account holders can check balances online through various methods such as netbanking, mobile banking, mPassbook or any UPI app. Let us find out in detail below:

IOB Balance Enquiry by Mobile Banking Apps

IOB account holders can use their registered mobile phones to register for Indian Overseas Bank mobile banking apps such as IOB mPassbook, IOB Mobile, and IOB Nanban. They have been briefly discussed here:

IOB Balance Check by IOB mPassbook

• This is an online passbook that IOB customers can use to check their account balance as well as transaction details
• It contains the details of both debit and credit transactions carried out by an IOB customer
• It helps the account holders to know their updated account balance at all times
• The best part is that they do not have to get it updated by visiting the bank like a physical passbook

IOB Balance Check through IOB Mobile App

• IOB customers who are accustomed to carrying out banking transactions using netbanking can easily use this mobile app.
• IOB Mobile offers banking services including IOB balance check, account statement, funds transfer, IMPS, NEFT, RTGS, Bill Payment, etc.
• Customers need to be registered for mobile banking to use this app.

IOB Balance Check by IOB Nanban

• Plenty of people want to avail net banking and mobile banking services but fail to do so because of their limited knowledge of English.
• A multi-lingual app, IOB Nanban is a convenient option for such IOB customers since they can carry out banking transactions easily in the language of their preference.
• Accountholders can check IOB account balance using this app

IOB Account Balance Check via UPI

• Open any UPI app on your smartphone
• Enter the code set by you
• Choose the account you want to know the balance of
• Click on check balance
• Enter the UPI PIN that you have created
• The balance will be displayed on the screen upon entering the UPI PIN

Also Read: UPI – Unified Payment Interface

IOB Balance Enquiry through Netbanking

IOB customers can check balance in their savings account through netbanking as well. They need to have their netbanking activated to avail this facility. Here are the steps that one needs to follow:

• Visit the IOB netbanking portal
• Login to your net banking account using your username and password
• Select your account number and click on “Fetch Balance”
• Your account balance will be displayed on the screen
• You can also download the statement from the portal

It is worth noting that the netbanking service is completely free of cost and you also doon’t have to pay any fee for downloading the statement.

IOB Balance Enquiry Offline

Indian Overseas Bank accountholders can check their account balance even if they do not use internet often. Let us discuss ways for balance enquiry offline:

IOB Balance Check by Calling Missed Call Number

IOB customers can check the amount in their savings account by giving a missed call on the following number:

92899222029

It is worth noting that the mobile number of an account holder should already be registered with the bank to avail this facility. Moreover, the account holder is required to place the call from the registered mobile number only. Accountholders will get no response when calling from any other mobile number.

Indian Overseas Bank Balance Enquiry through SMS Banking

• Indian Overseas Bank customers can check their account balance by sending an SMS from their registered mobile phones to 8424022122.
• The SMS must be in the format “BAL <Last 4 digits of Account Number>” and send it to 8424022122.
• The bank sends the account balance details via SMS.
• The mobile number of the accountholder should, however, be registered with the bank beforehand to avail this feature.

IOB Balance Enquiry through IOB Passbook

IOB customers who prefer to do banking offline or are not registered for net banking can perform the IOB balance check by checking their account passbook. It is one of the easiest ways to check account balance since they have their passbooks with them at home.

However, these customers need to make sure that they get their passbook updated regularly so that it reflects the current balance at all times and have a complete record of all the transactions carried out by them. This is not a feasible option for people who do not get their passbooks updated by visiting the bank regularly or are travelling and cannot check their passbook often.

IOB Balance Check by Visiting ATM

• IOB accountholders can do the balance enquiry by visiting an IOB ATM.
• It is a fairly simple process and all they really need to do is to swipe their ATM card in the machine, use their ATM PIN to log in, and choose the “Balance Enquiry” option.
• They can also check their last 10 account transactions with the Mini Statement option.
• The ATM will print a receipt containing the details of the last 10 account transactions.
• They can also go to a non-IOB ATM to check their account balance.

Why should we carry out balance enquiry frequently?

Balance enquiry is one of the basic transactions that account holders carry out for different reasons. They can use the Indian Overseas Bank balance check service for the reasons given here:

• To ensure that they have sufficient balance in the account before they transfer money to someone
• To check if they have received the money sent to them
• To make sure that the cheque that they had submitted has been cleared and the money has been credited to their account
• To see if the balance reflected in their account is close to what they expected it to be. If not, they can check the account statement to ensure that there are no unauthorised transactions carried out from their account.