Checking your account balance doesn’t always need the internet or a visit to the branch. Indian Overseas Bank (IOB) provides simple, round-the-clock options such as missed call banking, toll-free phone banking, WhatsApp support, and digital channels like mobile and internet banking. These services are designed to work smoothly for both smartphone users and customers using basic phones.
About Indian Overseas Bank
Indian Overseas Bank is a leading public sector bank with a strong domestic and international presence. The bank supports assisted banking through call centres and missed calls, alongside modern digital banking platforms.
Official Website of Indian Overseas Bank
For products, updates, and digital banking services, always refer to the official website:
Official Website: https://www.iob.bank.in/
Indian Overseas Bank Balance Check via Missed Call (Official)
IOB offers a free missed call facility for balance enquiry.
Missed Call Balance Enquiry Numbers
- 92106 22122
- 92892 22029
How it works
- Give a missed call from your registered mobile number
- The call disconnects automatically
- You receive an SMS with your account balance
Key features
- Free of cost
- Available 24×7
- Works only for accounts linked to the registered mobile number
Indian Overseas Bank Customer Care (24×7)
If you prefer IVR support or need assistance, you can call the contact centre.
Toll-Free Numbers (India)
- 1800 890 4445
- 1800 425 4445
These numbers can be used for balance-related queries, service activation, and general banking support.
Overseas / NRI Customer Support
For customers outside India:
- +91-040-3529 3602
- +91-040-2478 7010
(Available 24×7)
WhatsApp & Digital Support
IOB also offers assisted support through digital channels.
- Digital Complaints (UPI, ATM, Mobile/Internet Banking):
044-2437 1120 - Cyber Fraud Complaints:
044-2858 4890
Email: cybercell@iob.in - National Cyber Crime Helpline: 1930
SMS Banking – Current Status
Indian Overseas Bank supports SMS alerts and certain SMS-based services for registered customers. However, a fixed public SMS keyword (like “BAL”) for instant balance enquiry is not prominently listed in the official details provided.
What customers should do
- Use missed call banking for quick balance checks
- Use mobile or internet banking for detailed account information
- Contact customer care to confirm SMS banking activation or formats, if needed
Mobile & Internet Banking
Mobile Banking
With the IOB mobile banking app, customers can:
- Check account balance instantly
- View mini and detailed statements
- Transfer funds and manage services
Internet Banking
- Log in to IOB net banking
- Open Account Summary to view balance and transactions
These options are best for full account control.
ATM & Passbook Balance Check
ATM
- Insert IOB debit card at any ATM
- Enter PIN
- Select Balance Enquiry
Passbook
- Visit your IOB branch
- Update passbook at the counter or kiosk
Both methods work without internet access.
Other Useful IOB Service Numbers
- Doorstep Banking: 1800 1213 721
- Credit Card (RuPay): 1800 890 4445 / 1800 425 4445
Important Call Identification (RBI & TRAI)
- Promotional Calls: 140 9686 440 to 140 9686 469
- Transactional / Service Calls:
1600 118 119, 1600 318 418, 140 982 9917, 1600 100 130, 1600 300 148
Important Things to Remember
- Missed call banking works only with a registered mobile number
- Do not share OTPs, ATM PINs, or login credentials
- For suspected fraud, contact the cyber helpline immediately
