Keeping track of your bank balance is very important in today’s fast-moving world. Whether you are shopping online or paying bills, knowing your balance helps you manage money better. If you are a customer of Indian Overseas Bank (IOB), there are many easy ways to check your account balance. One of the most popular and quick ways is by using the IOB balance check number.
Indian Overseas Bank gives several options for checking your balance. These include online and offline methods. Whether you have a smartphone or a basic mobile phone, you can use any method that suits you. In this blog, we will explain everything about the IOB balance check number and other ways to check your account balance.
What is the IOB Balance Check Number?
The IOB balance check number is a toll-free number that you can call from your registered mobile number. When you give a missed call to this number, the bank will send you a message with your account balance. This number is useful for people who do not have internet access or smartphones. It is also a fast and free method.
The official IOB balance check number is 9210622122. You just need to give a missed call to this number, and your balance will be sent to your mobile via SMS. You must call from the number that is linked to your IOB account.
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How to Use the IOB Balance Check Number?
Using the IOB balance check number is very simple. First, make sure your mobile number is registered with your IOB account. Then dial the number 9210622122 from that phone. After one or two rings, the call will disconnect automatically. Within a few seconds, you will get an SMS with your current balance.
This service is available 24/7, and there are no charges. It works even on weekends and holidays. This is one of the fastest ways to check your balance without going to the bank or ATM.
Other Ways to Check IOB Bank Balance
Besides the IOB balance check number, Indian Overseas Bank provides several other methods for checking your balance. These include mobile banking, SMS banking, ATM services, WhatsApp, USSD code, and net banking. These methods are helpful if you want to do more than just check your balance.
IOB has made it easy for users to access their account details anytime and anywhere. Each method works differently, so let’s explore them in detail.
Check IOB Balance through SMS
If you like texting, you can use SMS banking. You need to send an SMS from your registered mobile number. The format is simple. You type BAL<space><last 4 digits of your account number> and send it to 8424022122. After that, the bank will send your balance details by SMS.
This is helpful if you are in a place where internet is not available. You do not need to download any app. Just a simple message can help you find out your balance in seconds.
Check IOB Balance via Mobile Banking
IOB has its own mobile app that can help you check your balance. You can download the IOB mobile banking app from the Play Store or App Store. After logging in with your MPIN or mobile number, you will find the ‘My Accounts’ option. Tap on it and then click on ‘View Balance’ to see your account balance.
Mobile banking is more useful if you want to see a full mini-statement or transfer money. It needs internet access, but it gives more details than the IOB balance check number.
Use IOB Net Banking to Check Balance
If you have net banking, you can check your balance by logging into the IOB website. Use your User ID and password to log in. Go to ‘Account Details’ and select ‘Check Account Balance’. Your current balance will be shown on the screen.
This is perfect for those who use laptops or desktops. It is secure and gives you complete control over your banking needs.
IOB Balance Check through UPI
UPI is another way to check your balance. Open your UPI app, like Google Pay or PhonePe. Select your IOB account, tap on ‘Check Balance’, and enter your UPI PIN. Your balance will show on the screen.
UPI apps are easy to use and are linked with your mobile number. This method is very common among young users and smartphone users.
Use ATM to Check IOB Bank Balance
You can also use any ATM to check your IOB balance. Just insert your IOB ATM card, enter the PIN, and choose the ‘Balance Enquiry’ option. Your balance will appear on the screen. You can even print a receipt if you want.
This method works even with other bank ATMs. But some ATMs may charge a small fee after a few transactions each month.
IOB Balance Check via WhatsApp
IOB has also started WhatsApp banking. Save the number 8424022122 in your phone. Then send a message saying “Hi” from your registered number. Follow the steps given in the reply to check your balance.
This is a fun and fast method. Most people already use WhatsApp, so it is very easy to use.
IOB Balance Enquiry via USSD Code
If you do not have internet or a smartphone, you can dial *99*52# from your registered number. Then enter your bank details and follow the steps. This method also lets you check your mini statement and send money.
This method is helpful for people in rural areas or those who use basic phones.
IOB mPassbook App for Balance Check
IOB also has an mPassbook app. This app shows all your account transactions. You can download the app, log in with your MPIN, and view your balance anytime. It works even without an internet connection once synced.
This app is like your normal passbook, but in your mobile phone.
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Compare IOB Balance Check Methods
Here is a table that compares all the methods of balance checking offered by IOB.
| Method | Requires Internet | Device Type | Benefit |
|---|---|---|---|
| IOB Balance Check Number | No | Any Phone | Fastest and free |
| SMS Banking | No | Any Phone | Works without apps |
| Mobile Banking App | Yes | Smartphone | Extra features like transfer |
| Net Banking | Yes | Computer/Smartphone | Secure and detailed |
| UPI App | Yes | Smartphone | Used by most modern users |
| ATM | No | ATM Card Needed | Easy and reliable |
| WhatsApp Banking | Yes | Smartphone | Chat-based and user-friendly |
| USSD Code | No | Any Phone | Best for non-internet users |
| mPassbook App | Yes (for sync) | Smartphone | Digital version of passbook |
Is the IOB Balance Check Number Safe to Use?
Yes, using the IOB balance check number is totally safe. You are only giving a missed call, and no money will be deducted. Your account details are sent to your registered number. Make sure you do not share the SMS with anyone else.
If your phone is lost, inform the bank immediately. That way, no one else can check your account details.
Why Should You Use the IOB Balance Check Number?
There are many reasons to use the IOB balance check number. It is fast, free, and easy to use. It saves time and effort. You do not need to go to the bank or stand in lines at ATMs. Even if you are not good with mobile apps, you can still use this method.
It is also perfect for older people and those who are not used to smartphones. It gives instant results and works all the time.
Conclusion
Knowing your bank balance is a habit that helps you spend wisely and avoid low-balance fees. With the IOB balance check number, Indian Overseas Bank makes this easy for everyone. You do not need to be a tech expert or have a smartphone. Just one missed call, and your balance is sent right to your phone.
There are many other methods too, but the IOB balance check number remains one of the best options. Use it whenever you want, and take full control of your money. Stay updated, stay safe, and bank smarter with IOB.
