Personal Banking

Last Updated on: 08/05/2023

IOB Mobile Banking


Seamless Self-Registration Process:

    ➢ Download & Install IOB Mobile App from Google Play / Apple Store.

    ➢ Provide Retail Customer id or 15-digit Account Number.

    ➢ Set 6 Digit Login Passcode.

    ➢ For Fund Transfer, Set 6 Digit mPin through ATM Card details.

    ➢ Login Passcode and mPin should not be the same.

New and Important Features in Short:

    ➢ Payee sync between Net Banking and Mobile banking Fund Transfer   ➝   Select Payee  ➝  Net Banking Payee Sync

    ➢ Allow one time Fund transfer without Adding Payee- Payee wise (Maximum 10 payees) one Time Quick Fund Transfer maximum up to Rs.10000/-is allowed without adding Payee.

    ➢ After adding Payee, Cooling period of 4 hours would be there. After cooling period of 4 hours, Fund transfer is allowed up to maximum Rs.50000 for next 20 hours.

    ➢ Enabling Monthly Email statement   ➝   In Settings option

    ➢ Debit card: Apply/Upgrade/Replacement: In card services  ➝  Debit card servicesàSelect Account to get applicable options.

    ➢ Debit card Pin generation: Debit card services  ➝  Select Account to get applicable options.

    ➢ Debit card Change Pin/Forgot Pin: Debit card services  ➝  Select Account to get applicable options.

    ➢ Term Loan payment: In Fund transfer menu.

    ➢ Apply IPO (ASBA) through Mobile Banking: In Home page.

    ➢ UPI - Scan and Pay facility: Available in home page.

    ➢ Nippon Mutual Fund application: In service request option in home page.

Quick Fund transfer in a single-click:

    ➢ Funds Transfer 24x7 through NEFT / RTGS / IMPS

    ➢ Quick Payment, Pay Later / Standing Instructions/ Loan payment

    ➢ Enable / Disable Funds Transfer for Eligible Accounts

    ➢ Set Transaction Limits (Transfer Funds / Bill Payments).

Unassailable Security Features:

    ➢ SIM Binding to Ensure Safety & Security

    ➢ Secured with Dual Authentication

    ➢ Log in with Fingerprint / Facial Recognition (iOS)

Convenient Card Services with holistic Debit card maintenance:

    ➢ IOB Credit Card Payment

    ➢ IOB Debit Card Services

    ➢ Block / Unblock Debit Card

    ➢ Manage Debit Card Channel & Limit. (POS / ECOM / ATM)

    ➢ Debit card Apply/Upgrade/Replacement

    ➢ Debit Card Pin Set /Reset/Change Pin

Other Services:

    ➢ AGRI àMandi price view and Weather report

    ➢ Cheque Book Request & Stop Payment of Cheque

    ➢ Mobile Recharge & Utility / BBPS Bill Payment (Electricity, Landline, DTH, Gas Bill etc.).

Complaint Mechanism:

    ➢ Complaint can be raised through application: More option  ➝  complaint.

    ➢ Can reach helpline18004254445 or complaints can be mailed to