Don’t have internet access but need to check your bank balance or recent transactions? Indian Overseas Bank (IOB) SMS Banking lets you get account updates anytime, anywhere — just by sending a text from your mobile phone.
No app or login required — just a few SMS commands from your registered mobile number.
What Is IOB SMS Banking?
IOB SMS Banking is a free, convenient service that allows customers to access account details and request basic services by sending keywords via SMS.
Secure
Works on any phone (smart or basic)
Available 24×7
IOB SMS Banking Number
Send SMS to:
84240 22122
SMS must be sent from your registered mobile number only.
IOB SMS Banking Commands List (2025)
Here are the most common and useful SMS banking codes:
| Function | SMS Format | Example |
|---|---|---|
| 💰 Account Balance | BAL <last 4 digits of account> | BAL 1234 |
| 📜 Mini Statement | MINI <last 4 digits of account> | MINI 1234 |
| 🔒 Block ATM Card | BLOCK <last 4 digits of card> | BLOCK 5678 |
| 🧾 Cheque Status | CHQSTS <cheque no> | CHQSTS 123456 |
| 📋 Account Status | STATUS <last 4 digits> | STATUS 1234 |
You’ll receive an instant reply via SMS with the requested info.
How to Register for IOB SMS Banking
You must register your mobile number with the bank to use SMS banking.
Ways to register:
- Visit your nearest IOB branch
- Fill out the Mobile Number Registration Form
- Submit with a valid ID (e.g. Aadhaar, PAN)
Once updated, SMS banking will be activated within 24–48 hours.
IOB Missed Call Banking (Alternative Option)
IOB also offers missed call banking for quick access to basic services:
| Service | Missed Call Number |
|---|---|
| Balance Enquiry | 📞 044 4222 2222 |
| Mini Statement | 📞 044 4222 2211 |
Give a missed call from your registered mobile number, and receive an SMS response.
Is IOB SMS Banking Safe?
Yes — because it:
- Works only with your registered mobile number
- Shares limited account info (no sensitive details)
- Doesn’t require logging in or using public Wi-Fi
Tip: Always delete banking SMS after reading and never share SMS codes with anyone.
FAQs
Q1: Is SMS banking free at IOB?
A. Yes. IOB does not charge for SMS banking. However, your mobile operator may apply standard SMS charges.
Q2: Can I use SMS banking abroad?
A. Yes, if international SMS is enabled on your number. Use the same number (8424022122).
Q3: What if I send the wrong format?
A. You’ll receive a reply with an error message or instructions to correct it.
Q4: Can I transfer money through SMS banking?
A. No. SMS banking is for inquiry services only. Use IOB Net Banking or mBanking Plus App for transfers.
Key Takeaways
- IOB SMS Banking lets you check your balance, mini statement, or block ATM card without internet
- Send SMS to 84240 22122 using predefined keywords
- Free service, available 24×7
- Mobile number must be registered with your IOB account
