Bank of India SMS Banking: Activate & Use Guide
Bank of India SMS Banking: How to Activate and Use It
Bank of India SMS banking lets you check your account balance, get mini statements, and manage basic banking tasks by sending a simple SMS from your registered mobile number. No internet connection is needed, making it one of the most accessible banking services available in 2026.
What Is Bank of India SMS Banking?
SMS banking from Bank of India allows customers to send predefined keywords to a short code and receive instant account information. It works on any mobile phone, including basic feature phones, as long as your mobile number is registered with the bank.
How to Activate BOI SMS Banking
- Visit your nearest Bank of India branch with your passbook and ID proof.
- Fill out the mobile banking registration form and mention your mobile number.
- Alternatively, register through the BOI Mobile app by linking your mobile number to your account.
- You can also visit an ATM and select the mobile banking registration option.
BOI SMS Banking Keywords and Short Codes
| Service | SMS Format | Send To |
|---|---|---|
| Balance Enquiry | BAL <Account Number> | 9810558585 |
| Mini Statement | MINI <Account Number> | 9810558585 |
| Last 5 Transactions | TRANS <Account Number> | 9810558585 |
| Cheque Status | CHQSTATUS <Cheque No> | 9810558585 |
Always send these SMS messages from your registered mobile number. Messages from unregistered numbers will not be processed.
How to Check Balance via SMS
- Open your phone’s messaging app.
- Type: BAL <your 15-digit account number>
- Send it to 9810558585.
- You will receive a reply SMS with your current account balance within seconds.
Benefits of BOI SMS Banking
- Works without internet or a smartphone
- Available 24 hours a day, 7 days a week
- Instant response for balance and statement queries
- Free service for registered customers
- Safe as it only works from your registered number
Key Takeaways
- SMS banking requires your mobile number to be registered with Bank of India.
- Send keyword-based SMS to 9810558585 for balance, mini statement, and more.
- The service works on all phones, no smartphone or internet required.
- You can register via branch, ATM, or the BOI Mobile app.
- SMS banking is free for all BOI account holders with a registered mobile number.
Frequently Asked Questions
How do I register for Bank of India SMS banking?
You can register by visiting your branch, using a BOI ATM, or through the BOI Mobile app. Your mobile number must be linked to your account.
What is the BOI SMS banking number?
Send your SMS banking requests to 9810558585 from your registered mobile number.
Is BOI SMS banking free?
Yes, Bank of India SMS banking is free of charge. Standard SMS charges from your telecom operator may apply.
Can I use SMS banking without the BOI Mobile app?
Yes. SMS banking is independent of the BOI Mobile app. Any phone that can send SMS will work.
What if I do not receive a reply SMS?
Make sure you are sending from the registered number and that the account number in the SMS is correct. Contact BOI customer care at 1800 220 229 if the issue persists.
