Indian Overseas Bank (IOB) is a public sector bank offering savings accounts, loans, deposits, digital banking, and international services. IOB customers can manage most banking needs online using IOB Net Banking and the IOB Mobile app without visiting a branch.
This guide covers IOB net banking, mobile app, services, login help, and common issues in simple, step-by-step language.
Quick Summary – Indian Overseas Bank
- Bank name: Indian Overseas Bank (IOB)
- Type: Public Sector Bank
- Headquarters: Chennai
- Digital services: Net Banking & IOB Mobile App
- Availability: 24×7 (some services may have maintenance breaks)
IOB Digital Banking Options
IOB Net Banking (Internet Banking)
- Access via desktop or mobile browser
- Best for detailed banking tasks
IOB Mobile App
- App-based banking for daily use
- Faster login using MPIN
What You Can Do with IOB Net Banking
Using IOB Internet Banking, you can:
- Check account balance & mini statement
- Download account statements
- Transfer money via IMPS / NEFT / RTGS
- Add and manage beneficiaries
- Pay utility bills & recharges
- Open FD / RD online
- Apply for cheque book
- Change login & transaction passwords
- Manage debit card services
How to Register for IOB Net Banking (Step-by-Step)
You can register online if your mobile number is linked with your IOB account.
Registration Steps
- Visit the IOB net banking website
- Click on New User Registration
- Enter details such as:
- Account number
- Debit card details (if required)
- Registered mobile number
- Verify OTP received on your mobile
- Create:
- User ID
- Login password
- Transaction password
- Submit and activate net banking
If online registration does not work, visit your IOB branch once for activation.
How to Login to IOB Net Banking
- Open IOB Internet Banking portal
- Enter your User ID and Password
- Enter captcha
- Click Login
Always ensure you are on the official IOB website before entering credentials.
IOB Mobile App – Features & Login
Key Features of IOB Mobile App
- Balance check & transaction history
- IMPS / NEFT fund transfers
- UPI payments
- Bill payments & recharges
- Debit card block/unblock
- FD & RD opening
App Login
- Login using MPIN or net banking credentials
- One registered device at a time (typically)
IOB Net Banking Transfer Limits (Indicative)
| Transfer Mode | Typical Limit |
|---|---|
| IMPS | Up to ₹2 lakh |
| NEFT | As per bank rules |
| RTGS | ₹2 lakh & above |
Limits may vary based on account type and user profile.
Common IOB Net Banking Problems & Solutions
1. Unable to Login
- Check User ID & password
- Use “Forgot Password” option
- Try again later if the server is busy
2. OTP Not Received
- Check mobile network
- Ensure mobile number is registered
- Retry after a few minutes
3. Transaction Failed
- Check balance & limits
- Amount is usually auto-reversed if debited
- Contact bank if delay continues
Indian Overseas Bank Customer Care (Support)
You can contact IOB customer support for:
- ATM cash not received
- Debit card block/unblock
- Net banking & mobile app issues
- Complaint registration
Customer care availability and numbers may vary by region—check in your IOB app or branch notice board for confirmation.
IOB Banking Security Tips
- Never share OTP, ATM PIN, or passwords
- Avoid public computers & Wi-Fi
- Change passwords regularly
- Always log out after use
- Use only official IOB website or app
Indian Overseas Bank FAQs
Is IOB net banking free?
A. Yes, basic internet banking services are free.
Can I use IOB services on mobile?
A. Yes, through mobile browser or the IOB Mobile app.
Is debit card required for net banking registration?
A. In most cases yes, but it may vary by account type.
Can I link multiple IOB accounts?
A. Yes, eligible accounts can be linked under one User ID.
Conclusion
Indian Overseas Bank offers reliable digital banking through net banking and its mobile app, making everyday banking simple and accessible. With proper registration and security practices, you can manage your IOB account anytime without branch visits.
