Account holders having bank accounts in State Bank of India (SBI) can contact it for balance enquiry and other services. There are a number of methods for SBI balance enquiry such as 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 methods from the number of ways mentioned above for SBI balance check.
SBI Balance Enquiry Toll-Free Number
State Bank of India customers can use the SMS banking services provided by the bank to check their SBI account balance or receive a mini-statement. They need to give a missed call to the SBI balance enquiry toll-free number to receive the details from their registered mobile number.
- To check the account balance, customers can give a missed call to the SBI balance enquiry toll-free number mentioned below:
They can also send SMS “BAL” to 09223766666
- The toll-free (missed call service) SBI balance check number for mini statement is mentioned below:
They can also send SMS “MSTMT” to 09223866666
Different Options for SBI Balance Enquiry
Here are a few ways in which customers can go for SBI account balance check:
- Net Banking
- SMS Banking
- SBI Card Balance Enquiry
- Mobile Banking using the State Bank of India (SBI) Mobile Apps
- SBI Anywhere
- SBI Quick
- SBI Online
- SBI Anywhere Saral (SBI mPassbook)
- Missed Call Banking
These SBI balance enquiry options have been discussed in detail here:
- State Bank of India issues passbook to its customers when they open a bank account.
- Customers need to keep their passbooks updated at all times to make sure that it contains the information about all carried out transactions.
- Customers can open their updated passbooks to check the current balance and also see the record of both the debit and credit transactions carried out by them.
- Customers need to visit the bank branch for each passbook update.
- This method of balance enquiry is still available since a lot of people are still not keen on using net banking or mobile banking services provided by the bank.
Customers having an SBI account can 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:
- Swipe the SBI ATM-cum-debit card
- Use the 4-digit ATM PIN
- Choose the “Balance Enquiry” option
- Finish the transaction
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 one transaction. Once you use up your free transactions, you will have to pay transaction charges for every transaction you carry out in the month. The number of transactions is inclusive of the ones you carry out at any ATM whether it is an SBI or a non-SBI ATM. This is one of the main reasons why you should carry out SBI account balance enquiry online and reserve the ATM transactions for cash withdrawal only.
SBI Net Banking
State Bank of India (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, funds transfer, personal loans, etc.
SBI SMS Service
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:
- SMS “REG<space>Account Number” to 09223488888 using your mobile number registered with SBI
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 Card Balance Enquiry
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:
|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 Mobile Banking
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:
- SBI customers can download the SBI Anywhere app on their Android or iOS devices to avail the mobile banking facilities
- One can log in using the mobile banking credentials
- Customers can avail plenty of banking services such as balance enquiry, account statement check, funds transfer, etc.
- State Bank of India account holders can use the SBI online portal easily on their smartphones for SBI banking services such as funds transfer, balance check, account statement, NEFT, IMPS, etc.
- This app provides the interface similar to that of the SBI desktop website
- Just by entering the net banking credentials, customers get access to all these banking services instantly
SBI Anywhere Saral
- SBI corporate internet banking customers can use this app to carry out banking transactions
- They can do a funds transfer, mobile recharge, balance enquiry, check last 10 transactions, get a mini account statement, etc.
- Retail SBI customers cannot use this app for balance enquiry
SBI Account Balance through Missed Call Banking
The facility of SBI balance check by missed call is also available for account holders. 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 includes 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 almost every bank 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.
However, there are situations such as too much load on server or peak banking hours in which one may not receive the SMS. He/she should wait for some time and try again later.
Missed Call Banking Registration
- Customers are required to index their registered mobile number for the service
- This is a one-time process in which one has to send an SMS mentioning ‘REG<SPACE>Account Number’ to 09223488888. A confirmation message from the bank will be sent mentioning that the service has been activated for the account.
Significance of Regular SBI Account Balance Checks
Money management is an important factor in the modern economic scenario where people are more capable of spending money and pay the majority of their expenses online. This makes it even more important to keep a track of your account balance so that you would not be surprised the next time you check your account balance.
- It is not possible to keep all the balance and transaction messages sent by the bank. Such messages can be deleted anytime by mistake. This is why one should keep the receipts generated by the ATM from every transaction. Keeping a small box for such receipts is a good way to track your cash withdrawals.
- Another important thing is to safely store all the bills. It can be from your bigger expenses such as rent receipts and household expenses to online shopping receipts or grocery bills. One can also match and compare such expenses to the ATM withdrawals to track and manage his/her expense better.
- One should never discard or throw bills and ATM receipts without checking them twice. Monthly bills and ATM slips can be quite useful in situations where one is required to provide physical proof of making payment and, therefore, one should discard old bills and ATM slips only if they are absolutely insignificant.
- One can shred and discard such records next year if they do not have any use for tax preparation.
- One of the most important things is to have the m-passbook facility. This small but effective tool has the ability to help one track and manage a big chunk of monthly earnings and expenses with ease. Most banks offer m-passbook facility in their mobile banking app. This is a virtual passbook which shows the actual account status in real-time. One can easily use this handy tool for efficient financial management.
- It may not sound relevant but it is important to keep spending habits in control. Payment gateways, shopping websites and credit card companies cajole people to spend more. And many people are attracted towards such offers and schemes. However, some of them go too far and spoil their monthly budget by not paying attention to their account status and availability of funds.
Why should one carry out balance enquiry more often?
Until the mobile app and net banking services were offered to people, the account passbook and ATM were the two main options for people to do a balance enquiry. Until the demonetization drive initiated by the Indian Government, many people that even had registered for net banking still used ATMs to check account balance and get mini statement carrying the details of the last 10 transactions carried out by the account holder.
There are plenty of reasons why balance enquiry is carried out more frequently by people as compared to other banking transactions, such as:
- To ensure that the account has sufficient funds for money transfer, cheque payment, etc.
- To check if the money sent by the receiver has been credited to the account
- To make sure that the amount debited for a transaction that failed has been credited back
- To see if the interest (in a savings account) has been deposited by the bank on time
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.
State Bank of India (SBI) understands the importance of balance enquiry service for its customers and offers plenty of options for them to choose from. SBI has catered to the generation that was not internet-savvy and is now geared to serve the millennial who love to carry out banking online.
FAQs (Frequently Asked Questions)
People always have questions in mind regarding several types of SBI balance enquiry methods. Some frequently asked questions are answered here.
What is SBI Balance Enquiry Number?
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.
How can an account holder check SBI Account Balance through SMS Banking?
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.
Will SBI Quick send a message about multiple bank accounts in the same branch?
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.
Is SBI Quick available for all types of bank accounts?
SBI Quick is available for specific accounts only. This includes savings account, current account, overdraft account, and cash credit account
How is SBI Quick different from State Bank Anywhere and State Bank Freedom app?
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.