IOB Balance Check Number – How to Check Account Balance Easily

You don't need to visit a branch or ATM to check your balance in IOB bank. IOB bank allows you to check your account balance quickly. You can use the balance enquiry number, missed call banking, SMS banking, mobile banking, internet banking, and ATM services to access their account information anytime. These digital banking services make balance enquiries simple, fast, and convenient. 

Key takeaways 
 

• Customers can check their account balance instantly by giving a missed call on 9210622122 from their registered mobile number.
   
• The IOB balance check service is available 24/7.
   
• IOB allows customers to enable doorstep banking service by calling the customer service from their registered mobile number.
   
• IOB Bank has different banking numbers for general customers, toll-free numbers, SMS banking, and international customers.

IOB Bank Balance Enquiry Method | Balance Check Number / Link

There are various methods that help you easily enquire about the IOB Bank balance. Below, we have mentioned some of those methods to help you through the process: 

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'll never have to be caught off guard like Ravi.

What are 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 of 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

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.
 

How to Check IOB Balance Through a 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.
 

How to Check IOB Balance 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.

Read More – IOB Mini Statement – Missed Call, SMS & Online Options

How to Check IOB Balance 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.

Is there any 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.
 

How to check IOB Balance 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.
   

What are 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.

How to check IOB Balance 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.

 How to Check IOB Balance 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.

Also Read  - Indian Overseas Bank Net Banking

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