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Customers having a bank account with the State Bank of India (SBI) can check their account balance through numerous methods. SBI Balance Enquiry is offered through its toll-free number, mini statement, mobile banking, net banking, ATM, branch visit, SMS banking (SBI Quick), etc. One can opt for any one of the following methods for SBI balance check:
SBI customers can use the SMS banking services provided by the bank to check their SBI account balance or receive a mini-statement. All they need to do is give a missed call or send a SMS from their registered mobile number on the SBI balance enquiry toll-free number. In a few seconds, they will receive their balance details on their phone.
Or SMS “BAL” to 09223766666
Or SMS “MSTMT” to 09223866666
Here are a few alternate ways through which customers can do SBI account balance check:
These SBI balance enquiry options have been discussed in detail here:
Customers having an SBI account can also use the ATM-cum-debit card issued to them for SBI account balance. They need to visit a State Bank of India ATM and follow the steps mentioned here:
Customers also have the option to check their last 10 transactions by choosing the “Mini Statement” option at the ATM. The SBI ATM will print a receipt containing the details of the last 10 account transactions. SBI account holders can also visit non-SBI or third-party ATM service to check their account balance.
It is important to note here that RBI has limited the number of free transactions per ATM card. Balance enquiry is also counted as a transaction. Once you exhaust your free transactions, you will have to pay transaction charges for every transaction you carry out in the month. Remember, the number of transactions includes both carried out at SBI and non-SBI ATMs.
This is one of the primary reasons why account holders should opt for SBI Balance Enquiry online. Hence, it is advised that ATMs should be used for cash withdrawals or other services only. SBI Balance enquiry or any other bank account balance check should be done through mobile or online methods, which are convenient and both time and cost effective.
SBI account holders who have registered for the net banking facility can use their SBI net banking login id and password to log into their net banking account. They can choose a range of banking facilities provided by SBI to its customers including balance enquiry, home loans, mortgage loans, funds transfer, personal loans, etc.
SBI customers can use their mobile numbers to register for the SMS service and then use it to check their account balance. They can follow the steps mentioned below to register for the same. The format of the SMS is as given below:
to
SBI will send a registration confirmation message. Customers can now use this service to check the SBI account balance, mini statement, cheque book request, e-statement, education loan interest certificate and home loan interest certificate.
SBI credit card users can check their balance and other details using the SMS service. One can get various details by sending an SMS to the number 5676791 in the format mentioned below:
| Service/Information | SMS Format |
| Balance enquiry | BAL XXXX |
| Available credit and cash limit | AVAIL XXXX |
| Block your lost or stolen card | BLOCK XXXX |
| Last payment status | PAYMENT XXXX |
| Reward point summary | REWARD XXXX |
| Subscribe to e-statement | ESTMT XXXX |
| Request for duplicate statement | DSTMT XXXX MM (Statement Month in MM) |
SBI offers mobile banking services to its customers through a range of mobile apps including SBI Anywhere, SBI Online, and SBI Anywhere Saral. Here are the ways in which account holders can check SBI account balance using smartphones:
1. SBI Anywhere
2. SBI Online
3. SBI Anywhere Saral
Missed call banking allows one to perform a number of banking operations just by giving a missed call or sending an SMS to the bank. The service is also provided by SBI and includes SBI Balance Check, mini-statement, E-statement (last 6 months), and education loan certificate statement, home loan certificate statement, ATM configuration, generate ATM PIN, home and car loan details, social security schemes’ details, etc. This service is facilitated by RBI and provided by most banks in the country.
There may be specific but minimal charges associated with the service particularly for sending and receiving SMS. The charges are subject to the bank’s policy. However, most banks do not charge anything for balance enquiry on their toll-free number. The biggest advantage of this facility is for the people who have multiple accounts in the same bank. The bank will send a message containing the balance information of all the accounts with the account number and account type.
In case, this facility does not work due to a technical glitch, customers are advised to wait and try again after some time.
Unstructured Supplementary Service Data abbreviated as USSD is a GSM communication technology used for the transmission of information between a mobile phone and an application program in the network. The SBI users holding Current/ Savings bank account are eligible to use the service.
Features:
How to start the USSD Session?
This is important to note that the customers already using Application based or WAP based Mobile Banking Service will not be given access to use the service over USSD. Hence in case, the existing user wishes to avail the service, he/she needs to de-register from the App based or WAP-based service before registering for the USSD service.
To register for SBI Balance Enquiry using USSD, dial
The user will get a response ‘’Welcome to State Bank Mobile Application”. Upon providing the correct User ID, the customer will get the following response. Choose from the set of options given for the required service:
The user needs to reply with the correct option number. Select ‘Answer’ and choose the serial number from the set of options given above and select ‘Send’.
How to use SBI USSD service?
Below mentioned is the detailed explanation of the mobile banking services one can avail over USSD:
| Service via USSD | USSD Code |
| Balance Enquiry & Mini Statement |
|
| Fund Transfer |
|
| Prepaid Mobile Top-up |
|
| De-Register |
|
How to Register for SBI Balance Enquiry using USSD?
The account holders who wish to register for SBI Balance Enquiry using USSD service are required to SMS in the following format:
to
SBI account holder will receive a “User ID” and default “MPIN” via SMS.
It is to be noted that to register for SBI Balance Enquiry using USSD, it is mandatory for the user to change the MPIN and complete the registration process from the nearest ATM or branch. Follow the below-mentioned steps:
The MPIN will be changed and the user will receive the validation message via SMS. For further activation, the user needs to visit the nearest ATM or Bank Branch.
For activation at ATM, follow the given steps:
Most public and private sector banks offer convenient and easy methods to help their account balance from anywhere, anytime. To stay on top of your financial life, one should keep a regular check of their bank balance.
Usually, balance enquiry is one of the most popular services, as it is used for frequent reasons –
It is advisable to keep a check on the account balance from time to time and ensure that there are no unauthorised transactions. Also, check your monthly statement to see your unnecessary expenses and cut them to save more money. Keeping an eye on the account balance and transactions can also help one make a sustainable monthly budget.
People always have questions in mind regarding several types of SBI balance enquiry methods. Some frequently asked questions are answered here.
Q. Is SBI Balance Enquiry facility available using USSD?
A. Yes, SBI provides balance enquiry service using USSD as well. Account holders can check SBI account balance, mini statement, fund transfer and more. To check USSD Code to avail SBI Balance Enquiry and other services, click here.
Q. What is SBI Balance Enquiry Number?
A. For SBI Balance Check, account holders can give a call to the SBI balance enquiry toll free number 09223766666. Account holders can also call SBI customer care number 1800112211 and 18004253800 for instant balance enquiry.
Q. How can an account holder check SBI Account Balance through SMS Banking?
A. Account holders can SMS “BAL” to 09223766666 from their registered mobile number for instant SBI Balance Enquiry. For SBI Mini Statement, account holders can SMS “MSTMT” to 09223866666.
Q. Will SBI Quick send a message about multiple bank accounts in the same branch?
A. No, SBI Quick only sends messages about the account registered with the service. To avail this service in another SBI account, the customer has to deregister the first account and register with another SBI account.
Q. Is SBI Quick available for all types of bank accounts?
A. SBI Quick is available for specific accounts only. This includes savings account, current account, overdraft account, and cash credit account
Q. How is SBI Quick different from State Bank Anywhere and State Bank Freedom app?
A. SBI Quick is entirely different from State Bank Anywhere and State Bank Freedom as it differs on two major grounds. The first difference is that SBI quick is not a money transfer service meaning that one cannot facilitate a financial transaction with it. The second big difference is that one does not need a login ID and password to use the service. The user only needs the registered mobile number in an activated state.