Urban Money

How to Check Bank Balance with Account Number

With the advent of digital technology in the finance sector, many jobs that once used to be time-consuming and needed extra effort have become simple. Earlier, you had to visit the nearest bank branch to conduct any banking or to check bank balance. Now, you have multiple alternate options to choose from. You get the opportunity to put forward numerous tasks, from transferring money, checking bank account balances, depositing money, and doing other banking tasks with a single click. 

As a result of frequent transactions, it becomes crucial to monitor bank balance anytime, regardless of the place. One can become aware of any frauds that may have happened by knowing “how to check bank balance online”. There are various ways to check the bank account balance, including email, push notifications, SMS banking service, net banking, UPI services, and many more. 

So let's discover how to check your bank balance with your account number whenever you want, from wherever you want, without making an in-person visit to the bank. 

How to Check My Account Balance?

You can check your account balance through online methods or offline methods. Keep the below-depicted points into consideration to check your bank account balance.

  1. Initially, you must ensure that your mobile number is registered with the bank.
  2. The mobile number should be active for sending and receiving SMS/ calls.
  3. Having a smartphone is ideal. The key reason for this is that having access to an internet connection allows you to use mobile banking and UPI.
  4. Link your debit card with your bank account. 
  5. Ask bank executives to enable internet banking.

With these items in place, you can quickly check your bank account balance from anywhere and at any time. 

How to Check Bank Account Balance Online?

To make banking easy, financial institutions offer numerous ways to check bank account balances online, including net banking, UPI, and mobile banking. Whatever method you use, you must have the following basics on hand:

  • Bank account details
  • Registered number and email address
  • Activated net banking accounts 

Let's check various methods for checking a bank account balance:

Bank Balance Check by Net banking

Banks allow their customers to check account balances through exclusive net banking services, specifically for customer convenience. To use this feature, you must first log in to the bank’s official website from your laptop, tablet or mobile phone. Simply put, you need to access your account details through a bank website using your credentials.

If you are a first-time user, you must register by clicking on tabs such as 'register' or 'first time user.' Once you are done with your registration, you can use the credentials to move further. Going forward, you can check your bank account balance by selecting the 'login' option. Net banking allows you to know your bank balance online at any time. It also allows you to conduct various banking operations and transaction services.

Net banking activation generally asks you for specific details, including bank account number, DOB, registered mobile number, email ID, debit card number, and PIN. To enter the required details on time, it is vital to keep all this information handy. Otherwise, the server may time out, and you will need to start the process again. Once the above has been done, all a user must simply log in with an ID password, and no additional details will be required. 

Balance Check Through ATM (Automated Teller Machine)

You can also avail of the services of an ATM to check your account balance. The task of the Automated Teller Machine is not limited to cash withdrawal; it also allows you to check your account balance. When you go to a local ATM and insert your debit card, the very next thing you do is follow up with on-screen instructions. While following the instructions, you also get a “balance enquiry option” apart from withdrawing cash. 

The instructions below show how to check your bank account balance in an ATM -

  1. Swipe your ATM/debit card
  2. Enter the four-digit ATM pin.
  3. Choose "Balance Enquiry Option."
  4. Complete the transaction

However, it is recommended to count on your own bank's ATM that your bank employs. Other ATMs typically impose fees even if you use them just to check your bank balance. In addition, if you use a foreign bank’s ATM for transaction-related tasks, your bank may charge you additional costs. 

The RBI has currently set a limit on the number of free transactions specific to single debit cards. A balance inquiry is also considered a transaction. Once you've used up your free transactions, you'll be liable to pay a service charge for each transaction that month.

As a result, it is best to use debit or ATM cards just for cash withdrawal or other services. You can check bank account balances by mobile or various online methods that are both convenient and cost-effective. 

Check Balance via Text Messages or SMS Banking Service

Sending a text message is one of the easiest ways to check your bank account balance. It does not require a website log-in, a smartphone, or even an active internet connection. Most banks offer this service to their account holders. You can seek a quick balance update at any moment after the bank implements this service. The account balance information is delivered through text message. 

You must ask the bank executive to enable your account's automatic message alert service. You will be notified immediately when a financial transaction occurs on your account. You will receive the most recent balancing update and the credited or debited amount. This service supplied by banks is known as a message alert service. This initiates push notifications on your registered mobile number.

Get Bank Balance Update on Missed Call

When a customer makes a missed call to the bank’s toll-free number from their registered mobile number, balance updates are sent via text messages. However, the below-depicted basics are a must to receive miss call balance updates.

A registered mobile phone number is crucial to getting a balance update through a missed call. You will receive balance updates only if your phone number is registered within the bank database. The registered number should be operational to make a missed call and receive SMS. However, your bank must offer this facility. 

By Calling the Bank Customer Care Executive

If unsatisfied with the foregoing methods, you can call the bank to find the balance. However, unlike the other choices, where you get the opportunity to check your account balance 24/7, this process cannot be done around the clock if the bank's system is not automated. Nowadays, everything is mainly automated. You will be prompted to submit specific information, such as your bank account number, and they will promptly notify you of your balance. 

Via UPI and Banking Applications

With the increased popularity of UPI apps, checking the bank balance has become hassle-free. There is no need to count on other apps as you can access your balance and even transactions through UPI apps in seconds. 

This is one of the most basic methods for checking an account balance. The UPI app must be downloaded from Play Store or App Store. 

  1. Begin the registration process after installing the app.
  2. Enter the mobile phone associated with your bank to generate an OTP.
  3. After receiving the OTP, log in to the application and enter the requested bank account information.
  4. UPI usually finds the account associated with your mobile number immediately.
  5. It shows the last four digits of the bank account number, and the rest digits are kept encrypted.
  6. Once confirmed, you can generate a UPI ID associated with your account.
  7. Verify the same and set a UP passcode for safe and secure transactions.

You can quickly check to see “what is my bank balance” by visiting the check balance section. 

Set up Alerts

If you don't want to go and check your balance every time, you get the option to request the bank to send you an alert message when you have a low account balance. Your bank will notify you promptly if you make a large withdrawal or have a low balance. You can alter the balance, transaction amount, and other aspects for such notifications when you set them up.

Via Passbook

Passbooks are typically distributed to all account holders upon account opening. The passbook holds details on all of your account's transactions. You can check your bank account balance by updating your passbook regularly. All debit, as well as credit transactions are present within your passbook. As a result, it's critical to keep the passbook up to date at all times. To update your passbook, you must visit the bank branch. However, unlike in earlier times, there is no need to stand in a queue for hours as banks now have passbook updation machines. Account holders can now update their respective passbooks and know their account balance.

How to Check Bank Account Balance in SBI

SBI bank offers a variety of banking services to SBI account holders. You may check your bank account balance, get a brief statement, and execute various bank operations. The numerous methods for studying the SBI account balance are as follows.

Missed call and SMS to the SBI Toll-free Number

  1. Customers can check their account balance by dialling the State Bank of India balance enquiry number, 9223766666. It is toll-free, and you will not be charged for the call—otherwise, text "BAL" to 9223766666.
  2. Customers can obtain a small statement by dialling 9223866666, a missed call SBI number—alternatively, text "MSTMT" to 9223866666.

SBI ATM

SBI account holders can now use an ATM to check their account balance through a debit card. You must go to the bank ATM and follow the instructions below.

  • Swipe the SBI debit card.
  • Enter the four-digit ATM pin.
  • Choose "Balance Enquiry Option."
  • Finish the transaction

You can also view your most recent transactions by choosing "Mini Statement." However, this option allows you to access the last ten transactions. Receipts for the same will be generated through the SBI ATM. SBI account customers can now check the bank account balance at any other ATM. 

SBI Net Banking

Net banking allows SBI account holders to check their bank account balances online. You can access your SBI online banking account by entering your login credentials. Customers often access a wide range of services through online net banking. For instance, the services offer balance inquiries, personal loans, house loans, mortgage loans, and money transfers.

SMS Service

SBI account holders can link their phone numbers to their bank accounts. Initially, you need to register for the SMS service and then you can check your account balance. The format to register for SMS service is:

“REG” space "Acc. Number"  to 09223488888. 

SBI executive will communicate with you to confirm. You can now utilise this tool to check the amount in your account, obtain a small statement, order checks, and many other things.

State Bank of India Card Balance Enquiry

Users of debit and credit cards can send an SMS to check their balance and associated information. Sending an SMS with the format shown below to 5676791 will yield the desired information.

The format for the same is: BAL XXX for balance inquiries

SBI Passbook

Every account holder who opens an account with the SBI receives a passbook. By going to the bank, you can update your passbook. You can use it to see the most recent account balance and all transactions.

SBI Mobile Banking

Through several mobile apps, SBI provides its clients with mobile banking services. SBI Anywhere, SBI Quick, SBI Online, and SBI Anywhere Saral are the apps. Customers must own a smartphone with internet access to use these apps. These applications offer a wide range of banking services, such as opening an FD account, checking your account balance, receiving account statements, and more.

SBI Anywhere

SBI customers will find this app beneficial. You can access the services by logging in using your mobile banking credentials.

SBI Online

Owners of SBI accounts can use this app. The SBI online banking portal is simple to use. This app's user interface is comparable to that of a desktop webpage. You can obtain real-time banking services by logging in with your net banking credentials.

SBI Anywhere Saral

Corporate Internet Banking customers can use this app. This app cannot be used to check balances by SBI bank retail clients. It is limited to corporate customers only.

 

Read - Check SBI Mini Statement by SMS, Missed Call and Mobile Banking

How to Check Bank Account Balance in PNB Bank

For its customers, Punjab National Bank offers a range of banking services. You can conduct several bank transactions, get a brief statement, and check your account balance. PNB provides an array of methods for checking your account balance. These are listed below.

PNB Net Banking

PNB account holders can use the net banking service to check their account balances. When you open a savings or current account with PNB bank, you can sign up for the net banking service. Use the "User ID" and password to access an exclusive PNB Net Banking account. After logging in, you must choose "Account Summary" from the top menu. The account balance summary and past transactions will be shown here.

Additionally, you can use online banking to sign up for the PNB e-statements service. Customers of online net banking can take advantage of a variety of services. For instance, the services offer fund transfers and balance inquiries.

PNB Mobile Banking

Punjab National Bank provides mobile banking services to its wide customer base with a few currently available apps. Now, you get the option to check your bank account balance and conduct online transactions with the aid of these apps. To access these mobile banking applications, customers must own an Android or iOS smartphone. These apps offer a wide range of banking services, including fund transfers, account statements, and balance inquiries. The below-depicted PNB mobile applications allow account holders to view their account balances.

  • PNB mBanking
  • PNB mPassbook
  • PNB MobiEase

PNB SMS Banking

Account holders must send an SMS from their registered mobile number to inquire about their PNB balance. The format for an SMS to check the balance of a PNB account is as follows.

BAL to 5607040 with a space after "Account number."

PNB Passbook

Every new customer who opens a current or savings account with Punjab National Bank receives a passbook. You can check your balance and past transactions by referring to the passbook. All you have to do is, update your passbook by visiting the nearest bank branch.

PNB ATM

PNB customers can check their account balance using a debit card at an ATM. You must go to the PNB or other bank ATM closest to you. To check the balance of your PNB account, just adhere to the instructions below.

  • Put the PNB debit card into the ATM.
  • Put in the debit card’s four-digit pin.
  • "Balance Enquiry Option" should be chosen.
  • The ATM will show the balance of the account.
  • Finish the transaction.

PNB Toll-free Number

Customers can also use the toll-free number 1800 180 2222 to verify their PNB account balance. You must call this number, choose your language, and then adhere to the IVR prompts.

PNB Missed call Number

Being a PNB customer, you have the privilege to get a balance update by giving a missed call on 1800 180 2223 or  0120 230 3090. However, customers who have already registered their numbers with PNB are eligible to avail of the benefits of this service. After registering, you'll get SMS notifications. If you haven’t registered your mobile number yet, get it done by visiting the nearest bank branch.

 

Read - Check PNB Mini Statement by SMS, Missed Call and Mobile Banking

How to Check Bank Account Balance in HDFC Bank

To make banking more convenient and offer a top-notch banking experience to its customers, HDFC Bank offers an array of services. You get the option to conduct several bank transactions from the comfort of your home, for example, get a mini statement, perform a bank account balance check, and so on. Here is the list of available options that you can rely on to check your HDFC account balance:

HDFC Missed Call Toll-free Number

Customers can call the toll-free HDFC balance enquiry number, i.e. 1800 270 3333, to check their account balance.

Customers can make a missed call to the HDFC 1800 270 3355 to obtain a small statement.

You must register your mobile number with the bank for SMS banking services. You will get regular updates for every transaction if you have registered your number. If not, you will be informed about getting your registration done if you try to get the information.

Register for HDFC Missed Call Balance Enquiry

To register for HDFC missed call service, you can count on any of the mentioned options:

  • Registering number through SMS
  • Registration through Net Banking login
  • Registering number  through ATM
  • Offline registration by submitting the application form at a bank branch

HDFC Net Banking

HDFC account holders can instantly check their account balance through the net banking option. Use the "Customer ID" and PIN to access your Net Banking account. You must choose "Account Summary" from the interface after logging in. You may see a summary of the current account balance. With its assistance, you can examine your prior transactions, the HDFC mini statement, money transfers, and many other things.

HDFC Bank Mobile Banking

It is easy and quick to utilise this mobile banking application. The consumer must have an Android or iOS mobile device to download the app. These applications offer a wide range of banking services, including creating a savings account, checking your account balance, receiving account statements, and more.

HDFC SMS Banking

Account holders can send an SMS to check the balance of their HDFC bank accounts using their registered phone number. The format to check the balance through the SMS banking service is as follows.

To check your balance, text "BAL" to 5676712.

SMS "TXN" to 5676712 to receive a small transaction statement.

The account balance will be sent to you via SMS.

HDFC Passbook

You can check your bank account balance through your bank passbook. It enables you to view the most recent account balance and all recent debit and credit transactions. However, you must regularly update it by visiting the HDFC bank branch.

HDFC Bank ATM

HDFC account holders can check the balance in their accounts using a debit card. Visit the closest HDFC or other bank ATM for another easy option. To check the balance of your HDFC bank account, follow the depicted steps:

  • Put the debit card in the ATM.
  • Key in the HDFC ATM's 4-digit pin.
  • Select "Balance Enquiry Option" from the menu.
  • The account balance is shown on the ATM's screen, and you can also opt for a receipt.
  • Finish the transaction.

You can print a brief account statement if you are willing to go through the most recent transactions. It includes the three prior credit or debit transactions.

HDFC Bank Balance Check Number

Customers can also call on the balance enquiry line, 022-61606161, to check the balance of their HDFC bank accounts. You must call this number, choose your language, and then adhere to the IVR prompts.

 

Read - All-Inclusive Guide to Get HDFC Mini Statement

How to Check Bank Account Balance in Axis Bank

Axis Bank offers a variety of products and services along with a wide range of facilities to accommodate a sizable number of customers. These services include fund transfers, balance checks, and many others. The many methods for viewing your Axis bank account balance are shown below.

Axis Bank Missed Call

Customers can call the Axis Bank toll-free number for balance enquiry, i.e. 1800 419 5959 and 1800 419 5858 (for Hindi).

To get a mini statement, you can call 1800 419 6969 and 18004196868 (for Hindi).

Customers can make a missed call to 08049336262 for fast cell phone recharge. Send the text "ACT" to 5676782 in response to a missed call for activating the mobile recharging service.

The mobile number must be registered with Axis bank for SMS banking services. You must go to the closest bank branch to register and activate the SMS banking service.

Axis Bank Internet Banking

Axis Bank account holders can instantly check their account balance through the net banking option. Use the "Customer ID" and PIN to access your Net Banking account. You must choose "Account Summary" from the interface after logging in. You may see a summary of the current account balance. With its assistance, you can examine your prior transactions, the Axis account mini statement, money transfers, and many other things.

Axis Bank Mobile Banking

For using Axis Bank mobile banking services, you can count on various mobile banking apps offered by the bank. The Axis bank apps are Axis Net secure, Axis Mobile, BHIM Axis Pay, Axis OK, and Axis Merchant App. To check your Axis bank balance, you can pin your hopes on any of the two mobile banking apps listed below.

  • Axis Mobile
  • Axis OK

Axis SMS Banking

Account users can stay informed with the help of text alerts through the Axis bank SMS banking service. Axis bank offers SMS banking services of two types, i.e. automatic alerts and non-transactional services. The Axis Bank Balance Enquiry, check status, and other features are part of the non-transactional service. Account holders must send an SMS from their registered number to inquire about their Axis Bank balance. You can check the balance by sending an SMS in the following format.

BAL to 5676782 with a space after "Account number."

Axis Bank Passbook

You can check your bank account balance through your Axis bank passbook. It enables you to view the most recent account balance and all recent debit and credit transactions. However, you must regularly update it by visiting the nearest Axis bank branch.

Axis Bank ATM

Axis bank customers can check their account balances using a debit card at an ATM. You must go to the Axis bank ATM or other banks closest to you. To check the balance of your Axis bank account, just adhere to the instructions below.

  • Put the debit card into the ATM.
  • Put in the debit card’s four-digit pin.
  • "Balance Enquiry Option" should be chosen.
  • The ATM will show the balance of the account.
  • Finish the transaction.
 

Read - All-Inclusive Guide to Get Axis Bank Mini Statement

How to Check Bank Account Balance in Bank of India

For the convenience of its clients, the Bank of India offers various banking services. You can make payments, open an account, check your bank account balance, and do other banking operations. It enables SMS services and mobile banking for its clients. The many methods for checking your Bank of India account balance are listed below.

BOI Passbook

Every account holder who opens an account with the Bank of India receives a passbook. The passbook keeps track of every transaction going back to the account's opening. However, you must go to the bank branch every time to update your passbook. Because client prefers to check their balance online, this technique of checking the account balance is not popular.

BOI mPassbook

You can create electronic passbooks to access account statements using this feature provided by BOI. You can download the BOI mPassbook app on a mobile device, which allows you to get the statement in PDF format.

BOI ATM

Customers with accounts with BOI can check their account balances using their ATM cards. You can accomplish this by going to the nearby BOI or other bank ATM. To check the balance of a Bank of India bank account, just follow the instructions listed below.

  • Use the BOI debit card to swipe
  • Put in the ATM's 4-digit pin.
  • "Balance Enquiry Option" should be chosen.
  • The account balance will be shown on the ATM's screen.
  • Finish the transaction.

You can print a brief account statement if you intend to access the most recent transactions. The last ten account transactions are listed on the ATM print receipt.

BOI Net Banking

Account holders with Bank of India can use the net banking service to check their account balances. You can access your BOI net banking account using the login credentials generated during the registration process. Both online, as well as mobile banking use the same authentication method. Customers of online net banking can take advantage of a variety of services. For instance, the services offer fund transfers, account statements, and balance inquiries.

BOI Mobile Banking

BOI provides mobile banking options to its domestic and foreign clients. The consumer must have an Android or iOS mobile device to download the app. BOI's three most popular apps are BOI StarToken, BOI StarGlobal, and BOI BTM. Customers may easily check their account balance thanks to these apps.

BOI BTM and BOI StarToken provide the same amenities. Using credentials from mobile banking, you can access the app. These apps offer a wide range of banking services, including mini statements, cash transfers, and balance inquiries. Services like NEFT and IMPS are also accessible through these applications.

Similar features are offered through the BOI Star Global app. However, this app is just for BOI account holders who have accounts with foreign branches.

BOI SMS Banking

Account holders must use the Star Connect Mobile Banking with SMS feature to receive SMS balance inquiries for their Bank of India accounts. To avail of the SMS service, follow the depicted steps:

  1. Go to the official BOI portal and select the option for mobile banking.
  2. From available options, choose the “Star Connect Mobile Banking” option.
  3. Use your net banking credentials to log in.
  4. Enter the registered mobile number
  5. Simply select "Set SMS password."
  6. Configure a 4-digit SMS password.

You need to send the message in the following format:

SMS "BAL XXXX Account Number" to +91981055858 to inquire about your balance.

Send the text "TRANS XXXX Account Number" to +91981055858 to receive mini statements. The five transactions will be sent to your account.

You can use the ways indicated above to check your bank account balance. Choose the online option if you want to do your task while comfortably sitting at home. You can always go to the bank branch to check your account balance, update your passbook, or use the nearby ATM. Technology is here to make your life easier, so you can pin your hopes on online methods to check your account balance.

FAQ's About Bank Account Balance Check

How to check my bank account balance online?

To check your bank balance online, you can use net banking services, UPI applications, mobile banking, missed call services or SMS services.

How to check your bank balance without a registered mobile number?

If you have not registered your mobile number yet, you can visit the nearest bank branch and update your passbook or check your bank balance through an ATM.

How to check bank account balance on the phone?

To check your bank balance on the phone, you can dial the bank’s toll-free number, opt for SMS service, or use mobile banking. Additionally, you can activate SMS alerts for the same.

How to check bank balance with a registered mobile number?

To check bank balance with a registered mobile number, give a missed call on the bank’s toll-free number or send an SMS in the format the bank says.

What is the prerequisite to avail of this facility of the bank account balance on the phone?

You must register your mobile number with your account to avail of the facility of the bank account balance on the phone. Additionally, keep your account number ready, as you may need to enter the same to get the updated balance.

Can I use the same mobile number for different bank accounts?

Yes, you can use the same mobile number for different bank accounts. However, keeping a minimum number of bank accounts is recommended, if not required. 

Can I get a loan balance by using this facility?

Net banking and mobile banking services allow you to get loan balances and other associated details.