The IOB Mobile Banking App (Indian Overseas Bank) allows customers to manage their bank accounts on their smartphone anytime, anywhere. From checking balance to transferring money and paying bills, the app offers secure and convenient banking services 24×7.
This guide explains how to download, register, login, and use the IOB mobile banking app, step-by-step.
- Bank: Indian Overseas Bank (IOB)
- App name: IOB Mobile Banking / IOB MB
- Availability: 24×7
- Works on: Android & iOS
- Internet required: Yes
- Security: MPIN + OTP
What Is the IOB Mobile Banking App?
The IOB Mobile Banking App is the official mobile application of Indian Overseas Bank. It helps customers perform day-to-day banking without visiting the branch.
How to Download IOB Mobile Banking App
- Open Google Play Store (Android) or Apple App Store (iPhone).
- Search for “IOB Mobile Banking” or “IOB MB”.
- Install the official app by Indian Overseas Bank.
- Open the app after installation.
Note: Your mobile number must be registered with IOB.
How to Register on IOB Mobile Banking App
- Open the app and select “New User / Register”.
- Enter your Account Number / Customer ID.
- Enter your registered mobile number.
- Verify with OTP sent to your mobile.
- Set your MPIN and login password.
- Registration will be completed successfully.
How to Login to IOB Mobile Banking App
- Open the app.
- Enter your User ID / Customer ID.
- Enter your MPIN or password.
- Complete OTP or biometric authentication (if enabled).
Key Features of IOB Mobile Banking App
- Balance Enquiry – Instant account balance
- Mini Statement – Recent transactions
- Fund Transfer – IMPS / NEFT / RTGS
- Bill Payments – Electricity, gas, water, mobile recharge
- Account Statement – View transaction history
- Debit Card Services – Block card, generate PIN
- FD / RD Services – Open and manage deposits
How to Transfer Money Using IOB App
- Login to the app.
- Go to Fund Transfer.
- Choose IMPS / NEFT / RTGS.
- Add or select beneficiary.
- Enter amount and confirm with OTP/MPIN.
Common Issues & Troubleshooting
App not working
- Update to the latest version
- Check internet connection
OTP not received
- Ensure mobile number is registered
- Check network signal
Forgot MPIN
- Use “Forgot MPIN” option in the app
Account not visible
- Complete registration properly or contact branch
Security Tips
- Do not share MPIN, OTP, or passwords
- Lock your phone with PIN/biometric
- Logout after use on shared devices
- Install app only from official app stores
FAQs
1. Is IOB Mobile Banking App free?
A. Yes, downloading and using the app is free. Some transactions may have charges as per bank rules.
2. Can I use the app without internet?
A. No, internet is required for most services.
3. Can I use IOB app on two phones?
A. Usually, mobile banking is linked to one registered device.
4. Is the app available 24×7?
A. Yes, most services are available 24×7 except during maintenance.
Conclusion
The IOB Mobile Banking App is a convenient and secure way to handle everyday banking tasks from your smartphone. Once registered, you can enjoy fast, paperless banking anytime without visiting the branch.
