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