Indian Overseas Bank (IOB) allows customers to check their account balance using multiple online and offline methods. Whether you have internet access or not, you can instantly know your balance through missed call, SMS banking, ATM, UPI, mobile app, or USSD code.
Below is a complete step-by-step guide with proper numbers and exact actions you need to take.
IOB Balance Check – Complete Method Table
| Method | Access Type | Requirement | Exact Number / Action |
|---|---|---|---|
| Missed Call | Offline | Registered Mobile Number | Dial 9210622122 or 9289222029 |
| SMS Banking | Offline | Registered Mobile Number | Send BAL <Last 4 digits> to 8424022122 |
| Toll-Free Enquiry | Offline | Any Mobile | Call 1800 890 4445 or 1800 425 4445 |
| Internet Banking | Online | User ID & Password | Login at official IOB net banking portal |
| Mobile Banking App | Online | MPIN / Login | Use IOB Mobile App → View Account Balance |
| ATM | Offline | ATM Card + PIN | Insert card → Select Balance Enquiry |
| Passbook | Offline | Physical Passbook | Visit branch and update passbook |
| UPI | Online | UPI PIN | Open UPI App → Check Account Balance |
| USSD Code | Offline | Registered Mobile Number | Dial 9952# and follow menu |
Indian Overseas Bank Balance Enquiry Numbers
Here are the important official numbers:
| Service | Number |
|---|---|
| IOB Toll-Free Customer Care | 1800 890 4445 / 1800 425 4445 |
| IOB Missed Call Balance Enquiry | 9210622122 / 9289222029 |
| IOB SMS Banking | 8424022122 |
| IOB USSD Code | 9952# |
Your mobile number must be registered with the bank for missed call, SMS, and USSD services.
Detailed Methods to Check IOB Account Balance
1️⃣ Check IOB Balance by Missed Call
This is the fastest method.
What You Need To Do:
- Dial 9210622122 OR 9289222029 from your registered mobile number.
- The call will disconnect automatically.
- You will receive an SMS with your account balance.
No internet required.
2️⃣ Check IOB Balance by SMS
You can check balance by sending a simple SMS.
SMS Format:
Type:
BAL <Last 4 digits of Account Number>
Send to:
8424022122
Example:
If your account number ends in 1234, send:
BAL 1234
You will receive your balance details via SMS.
3️⃣ Check IOB Balance Through Toll-Free Number
You can call customer care for assistance.
Dial:
- 1800 890 4445
- 1800 425 4445
Follow IVR instructions to check your account information.
4️⃣ Check IOB Balance Through Internet Banking
If you are registered for internet banking:
Steps:
- Visit official IOB Internet Banking website.
- Login using your User ID and Password.
- Click on “View Account Details”.
- Select “Check Account Balance”.
You can also download statements from here.
5️⃣ Check IOB Balance Through ATM
Steps:
- Visit nearest ATM.
- Insert ATM card.
- Enter PIN.
- Select “Balance Enquiry”.
- Balance will be displayed on screen.
You can print receipt if needed.
6️⃣ Check IOB Balance Through Mobile Banking App
Steps:
- Download official IOB mobile banking app.
- Login using MPIN.
- Tap on “My Account”.
- Select “View Account Balance”.
This method gives instant access anytime.
7️⃣ Check IOB Balance Through UPI
You can use:
- Google Pay
- PhonePe
- Paytm
- BHIM
Steps:
- Open UPI app.
- Click “Check Account Balance”.
- Select your IOB account.
- Enter UPI PIN.
- Balance will appear instantly.
8️⃣ Check IOB Balance Through USSD Code (No Internet Required)
Works on basic phones.
Steps:
- Dial 9952# from registered mobile number.
- Choose preferred language.
- Select “Balance Enquiry”.
- Follow menu instructions.
- You will receive balance details via SMS.
Important Safety Tips
- Always use registered mobile number.
- Never share OTP, ATM PIN, or UPI PIN.
- Save official IOB numbers in your phone.
- Use secure internet connection for online banking.
Conclusion
Indian Overseas Bank provides multiple balance enquiry options for both online and offline users. Whether you prefer missed call service, SMS, ATM, UPI, or internet banking, you can check your account balance quickly and securely.
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