{"id":7567,"date":"2025-07-09T12:14:37","date_gmt":"2025-07-09T12:14:37","guid":{"rendered":"https:\/\/lemonn.co.in\/blog\/?post_type=banking&p=7567"},"modified":"2025-07-09T12:14:37","modified_gmt":"2025-07-09T12:14:37","slug":"indian-overseas-bank-sms-banking-balance-mini-statement-more-2025","status":"publish","type":"banking","link":"https:\/\/lemonn.co.in\/blog\/banking\/indian-overseas-bank-sms-banking-balance-mini-statement-more-2025\/","title":{"rendered":"Indian Overseas Bank SMS Banking \u2013 Balance, Mini Statement & More (2025)"},"content":{"rendered":"\n

Don\u2019t have internet access but need to check your bank balance or recent transactions? Indian Overseas Bank (IOB) SMS Banking<\/strong> lets you get account updates anytime, anywhere \u2014 just by sending a text from your mobile phone.<\/p>\n\n\n\n

No app or login required \u2014 just a few SMS commands from your registered mobile number<\/strong>.<\/p>\n\n\n\n

What Is IOB SMS Banking?<\/h2>\n\n\n\n

IOB SMS Banking<\/strong> is a free, convenient service that allows customers to access account details and request basic services by sending keywords via SMS.<\/p>\n\n\n\n

Secure
Works on any phone (smart or basic)
Available 24\u00d77<\/p>\n\n\n\n

IOB SMS Banking Number<\/h2>\n\n\n\n

Send SMS to:<\/strong>
84240 22122<\/strong><\/p>\n\n\n\n

SMS must be sent from your registered mobile number<\/strong> only.<\/p>\n\n\n\n

IOB SMS Banking Commands List (2025)<\/h2>\n\n\n\n

Here are the most common and useful SMS banking codes:<\/p>\n\n\n\n

Function<\/th>SMS Format<\/th>Example<\/th><\/tr><\/thead>
\ud83d\udcb0 Account Balance<\/td>BAL <last 4 digits of account><\/code><\/td>BAL 1234<\/code><\/td><\/tr>
\ud83d\udcdc Mini Statement<\/td>MINI <last 4 digits of account><\/code><\/td>MINI 1234<\/code><\/td><\/tr>
\ud83d\udd12 Block ATM Card<\/td>BLOCK <last 4 digits of card><\/code><\/td>BLOCK 5678<\/code><\/td><\/tr>
\ud83e\uddfe Cheque Status<\/td>CHQSTS <cheque no><\/code><\/td>CHQSTS 123456<\/code><\/td><\/tr>
\ud83d\udccb Account Status<\/td>STATUS <last 4 digits><\/code><\/td>STATUS 1234<\/code><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

You\u2019ll receive an instant reply via SMS with the requested info.<\/p>\n\n\n\n

How to Register for IOB SMS Banking<\/h2>\n\n\n\n

You must register your mobile number<\/strong> with the bank to use SMS banking.<\/p>\n\n\n\n

Ways to register:<\/h3>\n\n\n\n
    \n
  1. Visit your nearest IOB branch<\/strong><\/li>\n\n\n\n
  2. Fill out the Mobile Number Registration Form<\/strong><\/li>\n\n\n\n
  3. Submit with a valid ID (e.g. Aadhaar, PAN)<\/li>\n<\/ol>\n\n\n\n

    Once updated, SMS banking will be activated within 24\u201348 hours<\/strong>.<\/p>\n\n\n\n

    IOB Missed Call Banking (Alternative Option)<\/h2>\n\n\n\n

    IOB also offers missed call banking<\/strong> for quick access to basic services:<\/p>\n\n\n\n

    Service<\/th>Missed Call Number<\/th><\/tr><\/thead>
    Balance Enquiry<\/td>\ud83d\udcde 044 4222 2222<\/strong><\/td><\/tr>
    Mini Statement<\/td>\ud83d\udcde 044 4222 2211<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n

    Give a missed call from your registered mobile number<\/strong>, and receive an SMS response.<\/p>\n\n\n\n

    Is IOB SMS Banking Safe?<\/h2>\n\n\n\n

    Yes \u2014 because it:<\/p>\n\n\n\n

      \n
    • Works only with your registered mobile number<\/strong><\/li>\n\n\n\n
    • Shares limited account info (no sensitive details)<\/li>\n\n\n\n
    • Doesn\u2019t require logging in or using public Wi-Fi<\/li>\n<\/ul>\n\n\n\n

      Tip:<\/strong> Always delete banking SMS after reading and never share SMS codes with anyone.<\/p>\n\n\n\n

      FAQs<\/h2>\n\n\n
      \n
      \n
      \n

      Q1: Is SMS banking free at IOB?<\/h3>\n
      \n\n

      A. Yes. IOB does not charge for SMS banking. However, your mobile operator<\/strong> may apply standard SMS charges.<\/p>\n\n<\/div>\n<\/div>\n

      \n

      Q2: Can I use SMS banking abroad?<\/h3>\n
      \n\n

      A. Yes, if international SMS is enabled<\/strong> on your number. Use the same number (8424022122<\/strong>).<\/p>\n\n<\/div>\n<\/div>\n

      \n

      Q3: What if I send the wrong format?<\/h3>\n
      \n\n

      A. You\u2019ll receive a reply with an error message or instructions to correct it.<\/p>\n\n<\/div>\n<\/div>\n

      \n

      Q4: Can I transfer money through SMS banking?<\/h3>\n
      \n\n

      A. No. SMS banking is for inquiry services only<\/strong>. Use IOB Net Banking<\/strong> or mBanking Plus App<\/strong> for transfers.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n

      Key Takeaways<\/h2>\n\n\n\n
        \n
      • IOB SMS Banking lets you check your balance, mini statement, or block ATM card<\/strong> without internet<\/li>\n\n\n\n
      • Send SMS to 84240 22122<\/strong> using predefined keywords<\/li>\n\n\n\n
      • Free service, available 24\u00d77<\/li>\n\n\n\n
      • Mobile number must be registered with your IOB account<\/li>\n<\/ul>\n\n\n\n

        <\/p>\n","protected":false},"featured_media":0,"template":"","class_list":["post-7567","banking","type-banking","status-publish","hentry"],"blocksy_meta":[],"uagb_featured_image_src":{"full":false,"thumbnail":false,"medium":false,"medium_large":false,"large":false,"1536x1536":false,"2048x2048":false,"web-stories-poster-portrait":false,"web-stories-publisher-logo":false,"web-stories-thumbnail":false},"uagb_author_info":{"display_name":"Sanjit Chakrabortty","author_link":"https:\/\/lemonn.co.in\/blog\/author\/"},"uagb_comment_info":0,"uagb_excerpt":"Don\u2019t 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 \u2014 just by sending a text from your mobile phone. No app or login required \u2014 just a few SMS commands from your registered mobile number. What Is…","_links":{"self":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking\/7567","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/banking"}],"about":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/types\/banking"}],"wp:attachment":[{"href":"https:\/\/lemonn.co.in\/blog\/wp-json\/wp\/v2\/media?parent=7567"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}