How To Check Indian Overseas Bank Balance?

How To Check Indian Overseas Bank Balance?

Overspent a little while shopping? Or did your salary just get credited into your account? If yes, then I understand that you want to check your bank balance as soon as possible. If you are an account holder in the Indian Overseas Bank then you only need the Indian Overseas bank balance check number.

In this article, we will explore all the different ways to check Indian Overseas Bank balances online. We will know how to check the account balance without an internet connection as well. Let’s get started!


There are many different ways to check your bank balance both online and offline. This can be done any minute, any time of the day, and from anywhere in the world with just a click of a button.

6 Different Ways to Check Indian Overseas Bank Balance

Your number must be registered with the bank before you can avail this service. It is done at the time of opening the account. However, in case it is not done, you can visit the nearest branch or call the Indian Overseas Bank customer service for instant support.

Let us know the different ways for Indian Bank balance check online:


Check bank balance Via SMS

To avail of the Indian Overseas Bank balance check SMS service, you have to send an SMS to the IOB missed call balance inquiry number. The number is completely toll-free and does not even require an active internet connection. Find the details below:

  • IOB balance inquiry number - 8424022122
  • Type BAL last 4 digits of your bank account number. And hit send.

Let me explain it better with an example. Suppose your IOB bank account number ends with 1234. So your message should read BAL 1234

You will receive an SMS from the bank instantly providing details of your remaining balance.

Missed Call

Check bank balance Via Missed Call

The bank also provides a missed call service for balance inquiries. The customers can check the remaining amount in their savings account by giving a missed call to the number: 9210622122

It is important to note that the account holder's mobile number should already be registered with the bank. Moreover, you must place the call from the registered mobile number only.


Check bank balance Via App

Users can easily check their bank account balance through the Indian overseas bank balance check app caller IOBMobile. Below are the steps:

  • Download the IOBMobile app on your device. It is compatible with both Android and iOS devices.
  • Open the application and log in using your customer ID and password. Click on “Login” to continue.
  • A new window will appear displaying all the services available. 
  • Set up an MPIN to continue. You can do this to avoid filling in your customer ID and password again and again.
  • Navigate to the “My Account” section and click on “View Account Balance”.
  • Fill in the MPIN and your account balance will be displayed on the screen.

This is the most popular way of keeping track of your account balance.


Check bank balance Via NetBanking

Net Banking is extremely useful for accessing various facilities offered by the bank. You can keep track of your transactions, recharge your mobile number, pay utility bills, transfer money to another account, and more.

Customers with a savings bank account, current account, deposit account, or loan account can easily make use of this facility. Here are the steps for an Indian Overseas Bank balance check with Net Banking:

  • Open your preferred search browser and go to the official Website of the IOB NetBanking portal.
  • Log in using your net banking user ID and password. Do not forget to fill in the captcha.
  • A new window will open displaying all the services offered by the bank. 
  • Go to the “View Account Details” option and select “Check Account Balance”.
  • The available balance will be displayed on the screen.


Check bank balance Via UPI

If you have connected your bank account with UPI, then it is very easy for you to check the available balance in your account. This is applicable to all the UPI apps such as Paytm, GPay, PhonePe, and more. All you need to do is follow the steps below:

  • Open your preferred UPI app on your device.
  • Usually, you need to fill in a security pin for access. 
  • Click on your “Profile” section located in the top right corner.
  • Scroll down to find the option of “Bank account” and click on it.
  • All your connected bank accounts will be visible. Select the account whose balance you want to know.
  • Click on “Check Balance
  • The available account balance is visible on the screen.

Ending Words

These were ways by which you can check the Indian Overseas bank balance online through SMS, missed calls, net banking, UPI, etc. These services are available throughout the country free of charge.

All of these methods are easy to use and have been introduced to enhance the user experience with the bank. I hope after reading this article, you can now choose the method that is most suitable for you. In case, you are an UCO bank account holder, they also provide different ways to check your UCO Bank balance online without visiting the bank.

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