How to Check Indian Overseas Bank Account balance?

Indian Overseas Bank is a major player in the public sector financial banking in India. It has 3400+ bank branches all over India. IOB has a network of around 3300+ ATMs all over India. The bank has achieved 100% networking status as well as 100% CBS status for its branches.

Indian Overseas Bank provides various methods to check custmers Account Balance as following:

  • Missed Call Number (On hold)
  • SMS Banking
  • Net Banking
  • Indian Overseas Bank App
  • USSD Code
  • Passbook Update

Indian Overseas Bank Missed Call Banking

Indian Overseas Bank provides a free to use service that offers their customers to just give a missed call from the registered mobile number on a toll-free number 9210622122 and receive their account balance details via SMS. If your mobile number is not registered, you can get it registered by visiting the nearest IOB branch.

As per the notice posted on the official IOB website, “Missed Call Service is temporarily not available due to maintenance activity. Services will be restored shortly.”

IOB customers can still check balance using other methods given below.

Indian Overseas bank balance check

Indian Overseas Bank Account Balance Check by SMS

The SMS service offered by Indian Overseas Bank works by registering your mobile number with the account number and sending the SMS to 8424022122.

TransactionTag Description
Balance enquiryBAL <space> last 4 digit Account Number e.g: BAL 1234
Mini StatementMINI <space> last 4 digit Account Number e.g: MINI  1234

Indian Overseas Bank App

Indian Overseas Bank App is free to use and can be downloaded from the app store. This app does not require any internet connection as it works via SMS or missed call.

Indian Overseas Bank Net Banking

Customers having an internet banking account can not only check the account balance but also explore many other facilities like mini statement, detailed statement, fund transfer and much more. Customers can log in or register at to avail the facility.

Check Indian Overseas Bank Balance by ATM

IOB ATM facility provides its customers with free balance check facilities. Customers can also access other Banks ATM to check account balances for free up to a limited number of transactions.

How to Check the Balance?

  1. Insert your ATM card into an ATM- Machines will allow you to check your balance for free.
  2. Type in your PIN on the machine- A four-digit number you should have set up when you opened your account.
  3. Select the option to view your balance- You will be able to go back and make a withdrawal or print that balance.

Indian Overseas Bank USSD Code

Indian Overseas Bank offers a USSD Code Balance check by dialing *99# and pressing the call button. After calling, a screen will appear with options to choose from. Choose the options and press the number in the empty box to enable that service. Balance check is one of the options on the menu.

Minimum Balance Required for Indian Overseas Bank

The minimum balance required for Indian overseas account is different for a different account and it also depends on the geographical location.

For an account with cheque book facility:

  • For Rural and Semi-Urban branches the minimum balance required is Rs.500/-
  • For Urban and Metro areas the minimum balance required is Rs.1000/-

For account without cheque book facility:

  • For Rural and Semi-Urban branches the minimum balance required is Rs.250/-
  • For Urban and Metro areas the minimum balance required is Rs.500/-

For pensioner account the minimum balance for an account with cheque book facility is Rs.250/- and for non-cheque book facility, it is Rs.5/-

The penalty on the non-maintenance of the account is Rs.7 per month for Rural and Semi-Urban, and Rs.14 for Urban and Metros. For Pensioners, the penalty will be the same.

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