IOB Balance Check Number

It is feasible to check your bank balance without going to the bank in today's digital age. Several methods have been implemented by banks, including SMS notification, push notification, internet banking, email, and many others. In this post, we'll show you how to check your bank balance without needing to go to the bank.

In India's public sector financial banking, the Indian Overseas Bank is a key player. It has around 3400 bank branches across the country. IOB operates a network of over 3300 ATMs in India. For its branches, the bank has acquired 100 percent networking and 100 percent CBS certification.

Indian Overseas Bank offers the following methods for checking a customer's account balance:

  • Missed Call Number (On hold)

  • SMS Banking

  • Net Banking

  • Indian Overseas Bank App

  • USSD Code

  • Passbook Update

Indian Overseas Bank balance check via missed call

To check their account balance, IOB customers need to contact iob balance enquiry number 04442220004 using their registered mobile number. The call is immediately disconnected after a few rings, and IOB delivers account balance information through SMS. If you don't have your phone number registered, you can do it at your nearest IOB branch.

Indian Overseas Bank balance check by SMS

IOB balance enquiry can also be done by sending an SMS to iob balance check number that is 9551099007 from their registered mobile phones. The SMS must be formatted as given in the table below. The account balance is sent to you through SMS by the bank.


Tag Description

Balance enquiry    

BAL last 4 digit Account Number e.g: BAL 1234

Mini Statement

MINI last 4 digit Account Number e.g: MINI  1234

Get your MMID


Frequently asked questions

How can i sign up for net banking or mobile banking with the indian Overseas Bank?

If you did not apply for net banking or mobile banking when you first opened your IOB account, you can visit your local IOB and submit a completed net banking and/or mobile banking application form, as well as your KYC documents. After the bank has validated your information, you will obtain login credentials that you may use to access IOB's online banking services.

Do I need to link my IOB bank account to my phone number?

Yes, your cellphone number must be linked to your Indian Overseas Bank account. Only after you have registered your mobile number will you be able to use mobile banking services. You must also have a registered mobile number with the bank to access the SMS banking and missed call banking services.

Can I check my account balance at an ATM that isn't an IOB?

Yes, you can check your IOB balance at an ATM of a third-party bank that is linked with Indian Overseas Bank. However, it is not the best alternative because the Reserve Bank of India (RBI) has set a limit on the number of free transactions per ATM card, after which you will have to pay a transaction fee for each ATM transaction. The transaction cost varies per bank and will be greater if you use an ATM at a non-IOB bank.

Why there is the need to check your balance?

Balance inquiries are one of the most common activities that account holders perform for a variety of reasons. For the following reasons, they can use the IOB balance check number:

  • Before sending money to someone, they want to make sure they have enough money in their account.

  • To see if they've gotten the funds that were delivered to them

  • To ensure that the check they had written had cleared and that the funds had been credited to their account.

  • Checking to check if the balance in their account is close to what they expected. If not, they can check their account statement to make sure no unauthorised transactions have been made on their account.