How to Check Bank Balance with Account Number – Easy Methods

Meghna, 32, who works as a teacher in a Pune school, received a salary of ₹58,250. She made a missed call from her registered mobile number, 09223766666, while sipping her morning tea around 8:10 AM. By 8:12, she received an SMS stating that her SBI balance was ₹60,785. She noticed the same thing when she opened the YONO app at 8:15 out of curiosity. 

She sent “BAL 1234” to 9810558585 again, ₹60,785, just before class at 1:20 PM. With just three quick checks and no need to visit the bank, Meghna was prepared to begin her monthly budgeting.

How to Check Bank Balance with Missed Call Banking?

Notes:

• Missed calls are free of cost.
• Only works from the mobile number registered with the bank.
• Works even on basic phones; no internet is required.
• You can use the service 3–5 times/day (depending on the bank).
• Response time via SMS: usually under 60 seconds.

Example:

• User: Meghna
• Bank: SBI
• Time: 8:05 AM, May 3, 2025
• Action: Gave a missed call to 09223766666
• SMS Received: "Dear Customer, A/C XX3456 Bal: ₹60,785.00 as of 03-05-2025."

How to Check Bank Balance with SMS Banking?

Example: Meghna's Balance Check:

Meghna, a 32-year-old teacher in Pune, wants to check her account balance without visiting the bank.

ICICI Bank:

o    Action: She sends an SMS with the content IBAL to 9215676766 from her registered mobile number.

o    Response: She receives an SMS stating: "A/C XX3456 Bal: ₹60,785.00 as of 03-05-2025.”

Bank of Baroda:

o    Action: She sends an SMS with the content BAL 3456 (if the last 4 digits of her account number are 3456) to 8422009988 from her registered mobile number.

o    Response: She receives an SMS stating: "A/C XX3456 Bal: ₹60,785.00 as of 03-05-2025."

Key Benefits of SMS Banking

• Free of Cost: No charges for using SMS Banking services.
• 24x7 Availability: Access your account information anytime, anywhere.
• No Internet Required: Ideal for areas with limited or no internet connectivity.
• Secure: Only the registered mobile number can access the account balance

How to Check Bank Balance with Internet Banking?

Key Benefits of Internet Banking:

• 24/7 Access: Check your balance anytime, anywhere.
• Comprehensive Services: View statements, transfer funds, and more.
• Secure Transactions: Enhanced security features for safe banking.

How to Check Bank Balance with Customer Service Helpline?

Key Benefits of Using Customer Service Helplines:

• 24/7 Availability: Access your account information anytime.
• No Internet Required: Ideal for areas with limited or no internet connectivity.
• Secure: Only the registered mobile number can access the account balance.

Important Notes

• Mobile Number Registration: Ensure your mobile number is registered with your bank to avail of this service.
• Service Limitations: Some banks may limit the number of balance checks per day.
• Charges: Standard call charges may apply as per your mobile network provider.

Conclusion 

Although you cannot obtain your bank balance by using the account number for security purposes, banks provide secure and convenient options such as missed call banking, SMS, internet banking, and customer care lines. These services provide easy access to your balance anywhere, anytime.

Faqs

Q. Can I check my bank balance using just my account number?

No, banks do not allow balance checks using only the account number for security reasons.

Q. What is the easiest way to check your bank balance without the Internet?

Use missed calls or SMS banking from your registered mobile number.

Q. Is it safe to check my balance via customer care?

Yes, as long as you call the official number and verify your identity.

Q. Do I need to register for SMS or missed call banking? 

Yes, your mobile number must be registered with the bank to use these services.

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