How To Check IOB Balance By SMS, Missed Call, ATM & Internet Banking

By Mayashree Acharya

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Updated on: May 6th, 2025

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4 min read

Indian Overseas Bank (IOB) offers multiple convenient ways to check your account balance, even without internet access. You can use the IOB balance check number, SMS service, UPI apps, or USSD code for instant balance updates from your mobile phone. 

In this guide, we explain each IOB balance check method step-by-step to help you stay in control of your finances. 

MethodAccess TypeRequiredService/Action
Missed CallOfflineRegistered Mobile NumberDial 9210622122 or 9289222029
SMS BankingOfflineRegistered Mobile NumberSend BAL<Last 4 digits> to 8424022122
Net BankingOnlineLogin CredentialsView balance under account details
Mobile Banking AppOnlineApp Login or MPINUse ‘View Account Balance’ feature
ATMOfflineATM Card + PINSelect ‘Balance Enquiry’
PassbookOfflinePhysical PassbookVisit branch to update
UPIOnlineUPI PINUse ‘Check Account Balance’
USSD CodeOfflineRegistered Mobile NumberDial 9952# and follow steps

Indian Overseas Bank Balance Enquiry Number

The IOB Bank balance check number allows you to check the account balance instantly. Given below are the various IOB balance check numbers:

Service

Enquiry Number

Indian Overseas Bank (IOB) Check Number (Toll-free)

18008904445
18004254445

Indian Overseas Bank Missed Call Balance Enquiry Number

9210622122

Different Ways to Check Indian Overseas Bank Account Balance

Here are the various ways you can perform an IOB balance check using online and offline channels:

Through Missed Call Services

Registered IOB customers can check their balance by giving a missed call to the IOB bank balance check number at 9210622122 or 9289222029 from their registered mobile number. After one ring, the call disconnects automatically and the bank sends your balance details via SMS.

Through SMS 

You can follow these steps to know your account balance through SMS banking:

  • Send an SMS with ‘BAL<Last four digits of account Number>’ to 8424022122.
  • The bank will send you an SMS shortly to your registered mobile number with your balance details.

Through Net Banking

As an Indian Overseas Bank customer, you can register for a net banking facility to check your account balance. Here is a simple guide you can follow to check your bank balance using this facility: 

Through ATM

One of the easiest ways to enquire about your Indian Overseas Bank account balance is by visiting the nearest ATM. You can follow the below process to check your bank account balance through an ATM:

  • Visit the nearest ATM and insert/swipe the card into the machine.
  • Enter the 4-digit ATM PIN.
  • Select the ‘Balance Enquiry’ option from the screen.
  • Check the bank account balance displayed on the screen.
  • The ATM will also print a receipt that will display the account balance.

Through Mobile Banking

Apart from the above methods, all Indian Overseas Bank customers can access their bank accounts using the IOB Mobile banking application. Here is how you can check the account balance with the mobile banking application of IOB:

  • Download the IOB Mobile application through the Play Store or the App Store.
  • Access your account with your credentials or MPIN.
  • Your dashboard will open after verification.
  • Select ‘My Account’ and click the ‘View Account Balance’ option to check the current balance in your bank account.

Through Passbook

You can check your balance in the account using your passbook. To do that, visit any Indian Overseas Bank branch with a passbook. Go to the bank official and request them to update your passbook. The official will update your passbook by recording the new balance and any new transactions that have taken place since the last update.

Through UPI

You can download any UPI application on your mobile phone and follow the below process to check the IOB account balance:

  • Open any UPI application on your smartphone.
  • Unlock it using your password or security code.
  • Link the Indian Overseas Bank account for which you want to check the balance.
  • Click on the ‘Check Account Balance’ option.
  • Insert your UPI PIN to check the balance of your bank account.

Through USSD Code

If you do not have access to the internet, you can use the Indian Overseas Bank’s USSD Code feature to check your IOB bank balance. Here is the process on how to do it:

  • Dial *99*52# from the registered phone number.
  • Select your preferred language.
  • Enter the IFSC code of the IOB branch where you have your account.
  • After that, request to check your Indian Overseas Bank account balance.
  • Follow the guidelines to check your bank account balance or get a mini statement.
  • Your IOB bank balance will be sent via SMS

With multiple options like the IOB balance check number, mobile banking, SMS, and USSD code, Indian Overseas Bank makes it simple for customers to stay updated on their account balances. For a fast and secure way to check your balance, just save the IOB bank balance check number and use it whenever needed.

Checking balances for other banks too?
1. Canara Bank Balance Check Number
2. SBI Balance Check Number
3. Axis Bank Balance Check Number
4. Union Bank Balance Check Number
5. Karur Vysya Bank Balance Check Number
6. Bank of Maharashtra Balance Check Number
7. IndusInd Bank Balance Check Number

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Frequently Asked Questions

How to check my IOB account balance without internet?

You can check your IOB balance without using the internet by giving a missed call to 9210622122 from your registered mobile number. Alternatively, dial the USSD code 9952# and follow the prompts to view your balance. Both methods are simple, free, and work even on basic phones.

 
How to check IOB balance with account number?

To check your IOB balance using your account number, send an SMS in this format: BAL<Last 4 digits of account number> to 8424022122. You must send the SMS from your registered mobile number to receive the balance info.

 

Is it possible to check last 5 transactions made through IOB?

Yes, you can check your last five IOB transactions via the mobile banking app or by dialling 9952# using the mini statement option. You can also use the IOB ATM or net banking to view recent transactions.

 

How can I check my IOB mini statement by missed call?

To get your IOB mini statement, give a missed call to 8424022122 from your registered mobile number. The bank will send an SMS with the details of your last few transactions.

About the Author

I am an advocate by profession and have a keen interest in writing. I write articles in various categories, from legal, business, personal finance, and investments to government schemes. I put words in a simplified manner and write easy-to-understand articles. Read more

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