Indian Overseas Bank Account Number: Format, Details & Guide

Key Takeaways
 

• The fifteen-digit format of Indian Overseas Bank Account Number includes branch code, account type, and unique sequence.
   
• You can find your Indian Overseas Bank Account Number through the IOB app, passbook, or cheque.
   
• You can enable two-factor authentication on phone banking apps and avoid public Wi-Fi for secure banking transactions.
   

Pehli baat toh yeh samjho! Your Indian Overseas Bank account number is your banking identity. Every customer receives a unique fifteen-digit number for their Indian Overseas Bank Account. This number connects you to all banking services and transactions easily.

An Indian Overseas Bank account number is a unique fifteen-digit code. It works like your Aadhaar card for banking purposes always. This number identifies your specific account and enables all transactions to be securely processed.

When I opened my savings account at IOB last year, the bank gave me account number 1234010012345678. The first four digits (1234) represent my branch code clearly. The next two digits (01) show it’s a savings account. 

The last eight digits (12345678) are my unique customer number. I use this number for NEFT transfers, online shopping, and salary credits. My employer deposits my monthly salary using this account number. I also share it when receiving money from family members.

How to Find an Indian Overseas Bank Account Number?

Did you know? Your account number is like your financial fingerprint! Every bank account has a unique identity. 

Indian Overseas Bank provides multiple ways to locate your account number. Let’s explore how you can find it easily.

• You can check your account number through the IOB Connect app. The app displays your account details in the Profile section clearly.
• Your passbook also shows the Indian Overseas Bank account number digits. Each page prints this information for your reference and convenience.
• Each cheque leaf prints your account number at the bottom. You can easily spot the Indian Overseas Bank account number digits there.
• You can call the bank’s customer support for assistance, too. They verify your identity before sharing your account number with you.
• Branch visits help you get account information from bank staff. Carry valid identification documents when you visit the branch location.
• The account number contains 15 digits in its complete format. Always keep your account number safe and secure with you.

You can find your Indian Overseas Bank Account Number through multiple convenient methods today. Watch this YouTube video to know it in detail (https://youtu.be/2PjiNWOEUB8). 

How to Use an Indian Overseas Bank Account Number 

“Jaan hai toh jahaan hai”: similarly, account number hai toh banking aasaan hai! Just like a key opens many doors, your account number connects you to various banking facilities. Let’s understand how you can use Indian Overseas Bank Account Number effectively for different purposes.

• Transactions: You need your fifteen-digit account number for online money transfers. NEFT, RTGS, IMPS, and UPI require this number for processing payments. Always provide the complete account number along with the IFSC code carefully.
• Bank Forms: You must mention your account number on all forms. Deposit slips, withdrawal forms, and loan applications need this information correctly. KYC updates also require your account number for proper documentation.
• Internet Banking: Your account number helps you register for online services. You can log in and link your account easily then. Mobile banking also needs your account number for initial setup.
• Customer Support: You share your account number during verification calls. The bank confirms your identity before providing any assistance or support.
• Balance Enquiry: You can check your Indian Overseas Bank account balance anytime. ATM services and mobile banking use your account number always. You can also use the Indian Overseas Bank account balance Toll-Free Number.

Your account number serves as your gateway to all banking facilities.

Security Tips for an Indian Overseas Bank Account Number

“Suraksha pehli shuruaat hai”: Security is always the first step! Your account number is precious and always needs strong protection. Indian Overseas Bank emphasises several safety measures for all account holders. Let’s explore how you can keep your account secure today.

• Never share your account number, password, or PIN with anyone. Banks never ask for these details through calls or messages.
• Use strong and unique passwords for all your banking accounts. Change them regularly and avoid birthdays or common words completely.
• Always access the official IOB website or mobile app only. Phishing emails and fake websites can steal your information quickly.
• You should check phone number updates with the bank regularly. Keep your registered mobile number and email address current.
• Report suspicious transactions to the IOB customer care immediately after noticing. Block your card through the app if details get compromised.
• Enable two-factor authentication for all your banking transactions immediately. This adds an extra layer of security to your account.
• Avoid public Wi-Fi networks when you access your banking services. Use secure and private internet connections for transactions only.

Follow these security tips to protect your Indian Overseas Bank Account Number from fraud.

Structure of the Indian Overseas Bank Account Number

Your account number follows a specific fifteen-digit format for easy identification. Let’s understand how many digits are in an Indian overseas bank account number.

The Indian Overseas Bank account number uses a structured fifteen-digit format. This design helps in easy identification and smooth transaction processing.

First 4 Digits: These Indian Overseas Bank account number digits represent your branch code. They identify your specific bank branch location precisely and accurately.

Next 2 Digits: These digits show your product or account type clearly.

• 01 = Savings Account
• 02 = Current Account
• 03 = Loan Account
• 04 = Deposit Account

Last 8 Digits: These create your unique customer account sequence number always. Each account holder gets a different and specific number.

This format helps route NEFT, RTGS, and IMPS transactions efficiently today.

Conclusion

Your Indian Overseas Bank account number is essential for all transactions. Keep it secure and use it wisely for banking needs. Remember how many digits are in an Indian overseas bank account number. Follow safety tips to protect your account from fraud always.

Bonus Tip: Do you know? RBI says many frauds happen due to weak account safety. Keep your IOB mobile number updated to get alerts and spot suspicious activity fast.

FAQs

Q: How to change the mobile number in an Indian Overseas Bank Account?

A: Visit your nearest branch with valid ID proof and submit a mobile number change request form.

Q: Are leading zeros in the Indian Overseas Bank account number necessary?

A: Yes, you must enter the complete fifteen-digit account number with zeros. Leading zeros are part of your account identifier and cannot be removed. They maintain the fixed-length format required for all banking transactions.

Q: Can bank account numbers start with 0?

A: Yes, Indian Overseas Bank account numbers can start with zero. The bank uses a fixed fifteen-digit format for all accounts. Leading zeros ensure every account maintains the same length precisely.

Q: How can I find my Indian Overseas Bank account number online?

A: You can find your account number through IOB’s online banking portal. Log in to your account and check the account details section. The IOB Connect app also displays your complete account number clearly.

Q: What is the Indian Overseas Bank customer service toll-free number?

A: The Indian Overseas Bank customer service toll-free number is 1800 425 4445. You can call this number for account-related assistance and queries. The bank verifies your identity before providing any account information.
 

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‘Simplify Finance for Everyone.’ This is the common goal of our team, as we try to explain any topic with relatable examples. From personal to business finance, managing EMIs to becoming debt-free, we do extensive research on each and every parameter, so you don’t have to. Scroll up and have a look at what 15+ years of experience in the BFSI sector looks like.