FAQ on Internet Banking Product of IOB

1. What is Indian Overseas Bank's Internet Banking?

- Indian Overseas Bank's Internet Banking is an online banking service that allows customers to perform various banking transactions and services over the internet securely.

2. How do I register for Indian Overseas Bank's Internet Banking?

- To register for Internet Banking, visit the Indian Overseas Bank's website and click on the Internet Banking registration link. Follow the on-screen instructions to complete the registration process, which typically involves providing your account details and creating login credentials.

Registration as Individuals

Step 1:

• Login to www.iobnet.co.in
• Click on "Register" below "Personal Login" if you are an individual or a proprietary firm. Else click on "Register" below "Corporate Login".
• Enter basic information including 15 Digit Account Number, Email ld, Country and Mobile Number. Create Internet banking Login id and enter password of your own choice then submit.
• You will be given option to opt for Self- Activation or Activation through Branch. You can proceed with any one of the options.
• If you select Self-Activation, you will be required to enter the following details:

1. Debit Card Number

2. Expiry date of the debit cord

3. Debit Card PIN

• On submitting above details, OTP will be sent to your registered mobile no. On successful verification of OTP and card details, internet banking will be approved and activated without fund transfer facility.
• If required, you can activate fund transfer facility using "Change Fund Transfer" option provided under "Edit Profile" tab after login to Internet Banking.
• You have to generate Fund Transfer PIN at "Forgot PlN/Generate PlN" option provide under "Edit Profile" tab after login to Internet Banking.
• You can assign daily fund transfer limit up to Rs.10 Lakh at "Change Daily Limit" option provide under "Edit Profile" tab after login to Internet Banking.
• If you select Activation through Branch, an OTP will be sent to your registered mobile number. On verification of OTP, internet banking branch approval form will be downloaded for you to take printout.
• If you are not eligible for self-activation, you will be directed for activation through Branch, and an OTP will be sent to your registered mobile number. On verification of OTP, internet bonking branch approval form will be downloaded for you to take printout.
• Submit the internet banking branch approval forms to the Account holding branch.
• Your account will be activated by the branch on receipt of the signed application form.

Step 2:

• Login with your password.
• Passwords are case sensitive (b is different from B)
• Login Password & transaction PIN are different where password is used to login and PIN for funds transfer.
• Please be careful while entering your passwords, as your online account may be blocked for entering consecutive wrong passwords.

Registration Process for Corporates

Step 1:

• Login to www.iobnet.co.in
• Click on "Register" below Corporate Login.
• During registration Authorised Signatory customer id and the details attached to that customer id has to be provided.
• Once registered submit the application form and the annexures provided under Download Forms (in case of Companies/Partnership firms/Societies/Trusts) to your branch
• An active E-mail id and mobile number is necessary to open internet banking.
• Your login id will be activated by the branch on receipt of the application

Step 2:

• Login with your password.
• Passwords are case sensitive (b is different from B)
• Login Password & transaction PIN are different where password is used to login and PIN for funds transfer.
• Please be careful while entering your passwords, as your online account may be blocked for entering consecutive Three wrong passwords.

3. What services can I avail through Indian Overseas Bank's Internet Banking?

- You can avail a wide range of services through Internet Banking including fund transfers, bill payments, account balance inquiry, statement generation, online FD/RD opening, loan application, card management, and more. 

Facility Account related:

• Balance inquiry
• Last few transactions
• Account statement (6 months at a time)
• Cheque Book request
• Cheque Services - Inward Clearing details, Outward Clearing details, Search Cheque paid, Positive Pay, View Positive Pay Status
• Pension View - Civil pension, Railway pension, Defence pension, Postal pension, Telecom pension
• Deposit - view deposit, Open deposit, Close/Renew deposit, Submit F15G/15H, Deposit Calculator
• Nomination
• Loan View
• PPF Loan / Deposit
• Trade Finance view - Packing Credit, Bills
• PPF Certificate
• Stop Cheque Payment
• NSDL - Insta Demat A/c: Open Demat A/c & Open Trading A/c
• Request Services - View Service Request, Request for locker, Request for Demat A/c, Request for Forex/Travel card, Request for attested statement, Request for issuance of Solvency Certificate, Request for Atal Pension Yojna, Request for e-mail statement, Request for monthly e-mail statement, Request for change of branch, Request for cash delivery, Request for cash pickup, Request for cheque pickup, Request for DD delivery, Request for DD pickup, Request for deregistration of printed statement, Request for deactivate passbook, Locker availability, Request TIFD Booklet, Apply for POS, Apply for LC, Apply for LG, Request for Digital Certificate, Request for Jewel Loan, Request for door step banking, Request for mutual fund.

Facility Remittances related:

• Add beneficiary/Payee, View payee, Remove payee (for IOB A/c and other Bank A/cs), Sync MB Payees
• Intra bank fund transfer
• Inter bank fund transfer - NEFT, RTGS and IMPS
• Bulk payments
• Favourite Transfer
• View transactions
• IMPS
• View Scheduled.
• PPF payments
• Utility payments
• Tax payments - Direct Tax, Indirect Tax, GST, Various state's VAT
• Custom duty payment
• IOB credit card payments
• BBPS- Bharat Bill Payment System
• College fee payments.

Facility Profile related:

• Profile Details - personal details, Add profile photo, remove profile photo
• View account details like CIF
• Add/View Aadhaar
• Change password
• Change PIN
• Change daily limit
• Change fund transfer- Activate/Deactivate
• Set Favourite Account
• Add accounts
• Activate & Deactivate Accounts
• Forgot PIN / Generate PIN
• Forgot Mobile Banking MPIN.
• Security restrictions- Set IP restrictions
• FATCA Declaration for Individual Account
• FATCA Declaration for Entity.

4. Is Indian Overseas Bank's Internet Banking service secure?

- Yes, Indian Overseas Bank's Internet Banking service is secured with advanced encryption and security measures to protect your transactions and sensitive information from unauthorized access.

5. Can I access Indian Overseas Bank's Internet Banking from my mobile device?

- Yes, Customer can access Internet Banking application from any Mobile device through browser.

6. How do I log in to Indian Overseas Bank's Internet Banking?

- To log in, visit the bank's official website and click on the Internet Banking login link. Enter your user ID and password to access your account dashboard.

7. What should I do if I forget my Internet Banking password?

- If you forget your Internet Banking password, you can reset it online by clicking on the "Forgot Password" option on the login page. Follow the instructions to reset your password securely.

8. Can I transfer funds to other bank accounts using Indian Overseas Bank's Internet Banking?

- Yes, you can transfer funds to other bank accounts within India and abroad using Indian Overseas Bank's Internet Banking. You can make NEFT, RTGS, IMPS, and international fund transfers online to Singapore through UPI PAYNOW.

9.How long does it take for fund transfers to reflect in the recipient's account?

- The time taken for fund transfers to reflect in the recipient's account depends on the type of transfer initiated. NEFT transactions are processed within a few hours depending on the half hourly batch processing, while RTGS transactions and IMPS transfers are processed instantly.

10. Can I pay bills using Indian Overseas Bank's Internet Banking?

- Yes, you can pay utility bills, credit card bills, insurance premiums, and other bills using Indian Overseas Bank's Internet Banking.

11. Is there a fee for using Indian Overseas Bank's Internet Banking?

- Indian Overseas Bank may levy nominal charges for certain Internet Banking transactions. However, many services such as balance inquiry, mini statement, and fund transfers within the bank are often free of charge.

12. Can I open fixed deposits (FDs) or recurring deposits (RDs) online through Indian Overseas Bank's Internet Banking?

- Yes, you can open Reinvestment Deposits, Fixed deposits (FDs) or Recurring deposits (RDs) online through Indian Overseas Bank's Internet Banking. Simply log in to your account, navigate to the "Deposit" section, and follow the instructions to open a new deposit.

13. How can I view my account statement online through Indian Overseas Bank's Internet Banking?

- You can view and download your account statement online through Indian Overseas Bank's Internet Banking. Log in to your account, go to the "Accounts" section, and select the option to view/download the statement.

14. Can I deactivate my Indian Overseas Bank's Internet Banking?

- Yes, you can deactivate your Personal Login id using 'Deactivate Login ID' option and Corporate Login using 'Deactivate User id' option available in Login Page.

15. Is there a customer support helpline available for assistance related to Indian Overseas Bank's Internet Banking?

- Yes, Indian Overseas Bank's customer support is available to assist customers with any queries or issues related to Internet Banking. You can contact the bank's customer support through phone, email, or visit the nearest branch for assistance.