IOB Balance Check Number – How to Check Account Balance Easily

It was a wake-up call for Ravi, a small business owner from Chennai, who had ₹43,560 in his Indian Overseas Bank (IOB) savings account. One day, on his way to the market, he received a text message alerting him to a ₹7,200 debit from his account. Being confused and a little panicked, he quickly tried to recall when he last checked his bank balance, which had been weeks ago, and realised that if he had been checking his balance frequently, he might have discovered the suspicious transaction earlier.

Many people, like Ravi, do not know how important it is to keep their account balances up to date until something goes wrong. Balance checks are a simple yet effective practice for tracking daily expenses, detecting fraudulent transactions, and remaining in control of your finances.

In this article, we’ll walk you through all the official and secure ways to check your IOB account balance, from missed call services and SMS banking to online banking and mobile apps, so you’re never have to be caught off guard like Ravi.

IOB Bank Balance Enquiry Method | Balance Check Number / Link

Different ways to check your Axis Bank account balance

Did you know there are various ways through which you can check your bank balance, other than just by checking it through your mobile applications?

Below is a list are some of the ways through which you can check your balance seamlessly. These are some of the ways that provide you access to your IOB bank balance even if you are away from the internet.

1. Missed Call
2. SMS
3. Toll-Free Number
4. Mobile Banking
5. Net Banking
6. WhatsApp Banking
7. Through ATM
8. The Nearest Branch
9. Third-Party Apps

Let’s look at each of them individually, step by step, to make sure that checking your bank balance is no longer a difficult task.

IOB Balance Check Through Missed Call

Step 1: Call the IOB balance enquiry number at 9210622122 from your registered phone number.

 Step 2: After a few rings, the call will disconnect automatically.

 Step 3: You will receive an SMS shortly with your account balance information.

 Note: This feature only works if the phone number is linked to your IOB account.

 IOB Balance Check Through SMS

Indian Overseas Bank's (IOB) SMS banking service allows you to view your account balance instantaneously without the need for an internet connection. You only need your mobile phone and your registered mobile number.

Step 1: Write a new SMS.

Open the messaging app on your phone and compose a new message.

Step 2: Enter SMS Format

• In the message body, type the following command.
• Write BAL <space>. The last four digits of your account number.

Step 3: Send the SMS

Disclaimer: IOB bank is not providing balance check sms services as of now.

IOB Balance Check Through Toll-Free Number

Indian Overseas Bank (IOB) provides a toll-free customer service number for balance inquiries and other banking-related needs. This service is particularly useful if you do not have internet access or prefer voice-based support.

Step 1: Call the Toll-Free Number

Call the official IOB toll-free customer care number: 1800 890 4445

This number is available 24/7 and is free of charge from any registered mobile number within India.

Step 2: Select Language Preference

After connecting, you will be invited to select your chosen language (such as English, Hindi, or a regional language). Follow the voice instructions to pick the language using your phone's keypad.

Step 3: Select the Balance Enquiry option.

Once you've chosen your language, the IVR (Interactive Voice Response) system will present you with some banking-related alternatives. Listen closely and press the relevant key (typically "1" for balance enquiry) as directed by the system.

Step 4: Verify your identity (if prompted).

• To verify your account, you may need to provide the last four digits of your account number.
• Your client ID or
• A validation of the registered mobile number.

This step is part of the security routine to keep your information safe.

Step 5: Find out Your Account Balance

After successful verification, the system will read aloud your account balance. For privacy and clarity, make sure you are in a quiet environment or are wearing headphones.

Additional Support

If you require additional assistance or have questions beyond balance inquiries, you can choose to speak with a customer service representative from the same call menu.

IOB Balance Check Via Mobile Banking

IOB offers a secure and user-friendly mobile banking app called IOB Mobile. This app allows customers to manage their accounts, transfer funds, and check balances directly from their smartphones.

Step 1: Download the IOB Mobile App.

• Navigate to the Google Play Store (Android) or Apple App Store (iPhone).
• Look for "IOB Mobile" (created by Indian Overseas Bank).
• Download and install the official app on your device.

Step 2: Register on the app.

• After the installation is complete, launch the IOB Mobile app.
• Grant any essential permissions, such as SMS and phone access.
• Please enter your registered cellphone number.
• The software will automatically discover and validate the SIM card associated with your account using OTP.
• Once verified, proceed to set up your MPIN (Mobile Banking PIN) for future logins.

Step 3: Log In to Your Account

• Open the app and log in with the MPIN you made.
• If this is your first visit, you may be asked to set a few security questions or authenticate with your debit card information for enhanced security.

Step 4: Go to Account Summary

• Once you've logged in, navigate to the "Accounts" or "Account Summary" section.
• You'll see a list of all associated accounts.

Step 5: Check Balance

• To check your balance, tap on the account number or balance field.
• The app will show you your current available balance, account number, and account type.
• You may also be able to access your mini statement and recent transactions from this section.
  
  

Additional Features Available in the IOB Mobile App:

• View and download account statements.
• Examine fixed deposits and loan details.
• Execute fund transfers (NEFT/IMPS).
• Pay bills and recharge phone numbers.
  
  

Important Tips:

• Ensure your mobile number is registered with IOB for mobile banking.
• Always use the official app to avoid fraudulent or phishing efforts.
• Keep your MPIN and other credentials secret.

IOB Balance Check Through Net Banking

Indian Overseas Bank provides its customers with a safe and user-friendly internet banking portal. You can access your account balance, transaction history, and other information from any location and at any time.

Step 1: Go to the official net banking website.

• Access the official IOB Net Banking portal.

Step 2: Choose the Type of User

On the website, select "Continue to Login" from the "Personal Banking" or "Corporate Banking" option, depending on the type of account you have.

Step 3: Enter Login Credentials

• You'll be sent to the login page.
• Enter your User ID and Login Password.
• Fill out the CAPTCHA if requested.
• To proceed, simply click Login.

Step 4: Access Account Information

• Once logged in, you will be directed to your dashboard or account summary page.
• Choose the "Accounts" section from the top menu.
• Choose your active account from the list that appears.

Step 5: View Balance Details

• This screen will reveal your available balance, account number, and account type.
• You can also check the most recent transactions or download a mini-statement as needed.

Step 6: Log Out Safely

• Once you've checked your balance, always log out of your session by clicking the "Logout" button in the top right corner.
• To keep your account secure, avoid closing the browser directly.

IOB Balance Check Through WhatsApp Banking

Disclaimer: IOB Bank is not providing balance check services via WhatsApp as of now.

IOB Balance Check via ATM:

Checking your account balance through an ATM is one of the simplest and secure options, especially if you're not familiar with mobile or internet banking.

Step 1: Visit an ATM

Go to the nearest IOB ATM or any ATM that accepts your IOB debit card, including those belonging to other banks within the shared ATM network.

Step 2: Insert Your Debit Card.

Insert your Indian Overseas Bank debit card into the card slot of the ATM.

Step 3: Select Your Preferred Language.

Select your favourite language (often English, Hindi, or a regional language) from the selections on the screen.

Step 4: Enter your 4-digit ATM PIN on the keypad. 

To ensure security, make sure no one is looking when you input the PIN.

Step 5: Select "Balance Enquiry".

From the main menu, select "Balance Enquiry" or "Check Balance". The actual words may differ significantly depending on the ATM.

Step 6: Check or print your balance.

• The screen will show your available account balance.
• You will also be offered the option to print a receipt. Choose carefully.

Step 7: Complete or exit the transaction.

Once you've checked your balance, click the option to cancel the transaction and wait for your card to be ejected.

Step 8: Collect Your Card

Don’t forget to collect your debit card from the machine before leaving.

Important Tips:

• Always use ATMs in safe and well-lit areas.
• Protect the keypad when typing your PIN.
• If the machine does not return your card or looks to be malfunctioning, please call your bank immediately.

IOB Balance Check by Visiting the Nearest Branch

You can simply check your account balance by going to the closest IOB branch if you prefer in-person banking or do not have access to digital alternatives. Here's how.

Step 1: Find the nearest IOB Branch.

• To discover the branch nearest to your location, use a map app or go to the official IOB website.
• You can also contact the bank's customer service at 1800 890 4445 to confirm the branch location and operating hours.

Step 2: Carry valid identification

• Always carry a government-issued picture ID (such as an Aadhaar card, PAN card, voter ID, or driver's license).
• Also, bring your IOB passbook or debit card for faster verification.

Step 3: Visit During Banking Hours

• Most IOB branches are open from 10:00 a.m. to 4:00 p.m., Monday through Saturday (except the second and fourth Saturdays and public holidays).
• It's advisable to go earlier in the day to prevent long queues.

Step 4: Approach the Help Desk or Counter

• Once you reach the branch, proceed to the customer service desk or a banking counter.
• Inform the bank person that you'd like to check your account balance.

Step 5: Verify Your Identity

• The staff may inquire about your account number or request that you provide a valid ID or passbook for verification.
• They will process your request after they validate your identification.

Additional Tips:

• If you visit the branch frequently, be sure to maintain your passbook up to date.
• Visit during non-peak hours and bring all relevant documents.

This approach is especially beneficial for senior adults or anyone unfamiliar with the internet or mobile banking services.

IOB Balance Check by Third-Party Apps

The Indian Overseas Bank official mobile app is a secure and easy way to check your balance and perform other banking activities. But if you are looking for other third-party applications through which you can check your balance, then this section will 

explain to you briefly how to check your Indian Overseas Bank balance through different apps like PhonePay, Google Pay, etc.

1. IOB Balance Check via PhonePe

PhonePe is one of India's most popular payment platforms, allowing users to instantly link their bank accounts and check balances.

Step-by-Step Process:

Open the PhonePe App:

• Download PhonePe from Google Play or the Apple App Store.
• Open the app and sign in with your mobile device.

Link Your IOB Account:

• Go to the app's "Bank Accounts" section and enter your account number and IFSC code to link your IOB account if you haven't previously.

Check the Account Balance:

• After linking the accounts, tap 'My Money' and then 'Bank Accounts'.
• Select your Indian Overseas Bank account to see your current balance.
  
  

Balance Update:

• Your IOB account balance will be displayed in real-time under the account section.
  
  

3. IOB Balance Check via Google Pay

Google Pay allows users to check their bank balance directly from the app, as long as the bank is supported.

Step-by-Step Process:

Open the Google Pay App:

• If you don't already have Google Pay, get it from the Google Play Store or the Apple App Store.
• Open the app and log in with your Google account linked to your mobile number.
  
  Link Your IOB Account:
  
  
• Go to the ‘Bank Accounts’ section in the app.
  
  
• Add your IOB account by clicking ‘Add Bank Account’ and selecting IOB from the list of available banks.
• Follow the prompts to connect your IOB account to Google Pay.
  
  Check the Account Balance:
  
  
• After successfully linking the accounts, your IOB account will be listed under 'Bank Accounts'.
• Tap on your IOB account to view your balance.
  
  Balance Inquiry:
  
  
• Your current IOB account balance will appear instantaneously.

4. IOB Balance Check via Paytm

Paytm is another popular app that allows you to link your IOB account and view your balance.

Open the Paytm app.

• If you don't already have Paytm, download it from the Google Play Store or the Apple App Store.
• Log in using your mobile phone number.
  
  

Link Your IOB Account:

• In the app's 'Passbook' area, select 'Bank Accounts'.
• Select 'Add Bank Account' and then select IOB from the list.
• To link your IOB account, enter your account number and IFSC code.
  
  

Check the Account Balance:

Once the account has been properly linked, navigate to 'Passbook' in the app and choose your IOB account to see the balance.

View Real-Time Balance:

Your IOB account balance will be displayed in real-time.

 Conclusion:

Reviewing your Indian Overseas Bank account balance has become very important for staying on top of your finances due to an increase in the number of fraud cases in India. Just for being on the safer side, IOB provides several secure and simple means for checking your balance, including missed calls, SMS banking, and much more, which makes your work handy. Using these options will keep you informed and will always prevent you from any mishap. 

So, take some time today to decide which strategy suits you the best, and keep your financial health in your control! Before it’s too late.

FAQs Related to IOB Balance Check

Is there a cost to check the IOB balance via missed call or SMS? 

No, checking your IOB balance by missed call or SMS is free of charge. Standard SMS charges may apply depending on your mobile service provider.

What can I do if I suspect fraud after checking my balance? 

If you suspect fraudulent transactions or fraud in your account, contact IOB customer service immediately and block your account as needed. It is also suggested to visit the local branch for more assistance.

Is it possible to verify the balance of an IOB account at a branch without providing any documents?

To check your balance in a branch, you must provide your IOB passbook, debit card, or a valid photo ID for verification.

Can I check the balance of my IOB Fixed Deposit (FD) via missed call or SMS?

No, you cannot check the balance of a Fixed Deposit using missed calls or SMS. To obtain FD information, use the IOB mobile app or Net Banking.

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