Indian Overseas Bank (IOB) offers a full-fledged internet banking portal to manage finances with ease—anytime, anywhere. Here’s your complete guide for 2025.
1. Key Features of IOB Net Banking
IOB’s net banking platform includes:
- Account Management: View real-time balance, transaction history, and download e-statements
- Fund Transfers: Perform NEFT, IMPS, RTGS, and UPI transfers
- Bill Payments: Utilities, insurance, mobile/DTH recharges
- Deposit & Loan Services: Open/manage FDs/RDs, view loan details
- Card & Cheque Services: Generate Green PIN, hot-list debit card, request cheque-books
- Investments & Taxes: Apply for IPOs, manage mutual funds, pay taxes
- Personal Settings: Update profile, camera/security settings, set transaction limits
2. How to Register for IOB Net Banking
Via Self-Registration (Online)
- Visit iobnet.co.in → click Personal Login → Register iob.in
- Fill in your 15-digit account number, registered mobile, email, and desired Login ID
- Choose activation:
- Self-activation using debit card + OTP
- Or branch activation, if self-activation isn’t available
- Create password, confirm via OTP – activate within minutes!
Via Branch
- Fill and submit the Net Banking application form → bank provides login credentials via secure channel
3. How to Log In & Reset Password
Logging In
- Go to iobnet.co.in → Personal Login
- Enter your Login ID, password, and CAPTCHA
- Submit and follow OTP-based verification
- Set security image/messages on first login
Forgot Password?
- Use the “Forgot Password” feature → confirm via OTP, debit card, or security Q&A → reset login credentials
4. Top Transactions You Can Do
- Fund Transfers: NEFT, IMPS, RTGS—add beneficiaries and authorize with OTP
- Bill Payments: Utilities, insurance, mobile/DTH from “Bill Payments” menu
- Deposits & Loans: Open/manage FDs/RDs or view loan status
- Card Services: Generate Green PIN, hotlist cards
- Cheques: Request cheque-books or stop paids
- Investments: Apply for IPO, mutual funds, and subscribe to government schemes
5. Mobile Banking & mPassbook
- Use the IOB Mobile Banking App or mPassbook
- Log in using Net Banking credentials or MPIN
- Instantly access balance, fund transfers, transactions, Green PIN, and more
6. Security Measures
- SSL Encryption on all pages
- Two-step authentication: Password + OTP
- Virtual keyboard input to reduce key logging risk
- Auto-lock after failed attempts
- Update registered mobile/email for OTPs and alerts
Summary at a Glance
| Step | What to Do |
|---|---|
| Register | Online self-registration or via branch |
| Login | ID + password + CAPTCHA + OTP |
| Transactions | Funds, bills, deposits, card/cheque services |
| Mobile Access | Use IOB Mobile or mPassbook app |
| Security | OTP, virtual keyboard, auto-lock, SSL |
FAQs
Q: Do I need a debit card to register?
A. Yes, for self‑activation you’ll need your debit card. Alternatively, visit a branch.
Q: What’s the daily transfer limit?
A. Typically ₹2 lakh. You can adjust or increase limits via “Edit Profile”.
Q: Is this service free?
A. Yes, no charges for registration or regular transactions—standard charges apply for NEFT/RTGS/IMPS.
Q: How do I reset my password?
A. Use the “Forgot Password” function on login page—verify via OTP or debit card.
