Last Updated on: 07/08/2025
Home >> Frequently Asked Questions (FAQ) >> FAQ on Digital Products >> FAQ on Mobile Banking
HOW CAN I REGISTER?
Customer can register IOB CONNECT as per their convenience by Self-registration.
SELF-REGISTRATION:
Customer download - IOB CONNECT from playstore and can register by themselves, provided Mobile number registered in account number should be available in the device.
Self- registration can be done by selecting registered SIM → SIM verification will happen for that SIM should be recharged with SMS pack à providing Account number/CIF ID → creating 6-digit passcode → selecting Primary account and whether Fund transfer can be enabled or not → if fund transfer is opted then MPIN can be set using Active debit card details or Aadhar OTP → application ready to start.
Currently Customer is allowed to register only with retail CIF.
HOW CAN I DOWNLOAD MB APPLICATION?
Customer can download application from Google play store/Apple store with key search word "IOB CONNECT"
Please make use of QR code available in www.iobnet.co.in / link sent via message from bank
SELF REGISTRATION GUIDE:
1. Install the application from play store and customer can register by themselves.
2. Select SIM registered in account and proceed, SIM binding will occur and for that process make sure that SIM has been recharged with SMS balance.
3. Once the SIM binding process is successful, customer need to feed Account number or Customer ID to complete the process.
4. Then after registration confirmation customer need to set 6-digit App passcode
5. Selecting Primary account and whether Fund transfer can be enabled or not → if fund transfer is opted then MPIN can be set using Active debit card details or Aadhar OTP
REQUEST LIMIT EXCEED DURING REGISTRATION?
As per NPCI guidelines, SIM binding (either successful or failure) can be initiated from a registered Mobile number only for 3 times per 24 hrs. Kindly try after time mentioned in Pop-Up.
SIM VERIFICATION OTP:
After SIM verification process, OTP received is to be auto read. Please do not go out/toggle the application to view OTP, the session will be closed as toggling is not allowed in application.
WHAT IS PASSCODE?
6-digit Passcode is used to gain access to mobile banking app. Create your own login passcode while registration and need to be entered every time Login in to IOB CONNECT. Sequential and repetitive numbers in passcode is restricted. Last 3 times used passcode cannot be reused. Never share your Passcode with anyone. Bank or its employees will never ask for your Passcode.
WHAT IF I FORGOT MY PASSCODE?
Please make use of "forgot app password" option available in login page. Where customer need to input Account number/Customer ID and passcode can be reset using OTP delivered to Registered Mobile number.
WHAT IS MPIN?
6-digit Transaction PIN [MPIN] is used to authorize any transaction (both financial and non-financial) carried out in mobile banking app which is different from App 6 digit passcode. You can create your own MPIN during activation of mobile banking by using debit card details or Aadhaar OTP. Sequential and repetitive numbers in MPIN is restricted. Last 3 times used MPIN cannot be reused. Never share your PIN with anyone. Bank or its employees will never ask for your PIN.
HOW CAN I SET MY MPIN?
1. Once the registration is successful customer need to generate mPIN if fund transfer is enabled during registration using Active debit card details/Aadhar OTP.
2. View Only User (Not opted fund transfer during registration) enabling fund transfer in Settings → Enable/Disable Fund Transfer → generate mpin → customer need to provide active ATM card credentials (16-digit card no., Expiry month/year and ATM pin)/ Aadhar OTP → set 6 digit mPIN (passcode and mPIN should not be same).
3. Customer can change mPIN any no. of time and can generate new PIN by themselves with debit card credentials - using RESET MPIN and CHANGE MPIN option in settings.
WHAT IF I FORGOT MY MPIN?
Please go to Settings - Reset Mpin. Then new MPIN can be set using debit card details/Aadhar OTP.
HOW TO SET A STRONG MPIN?
1. Any 6-digit number of your choice can be set as MPIN.
2. Don't use weak patterns like 111111 or 123456 as PIN. Try a stronger combination using random digits to make your PIN secure.
3. Don't use same PIN everywhere for all Passcode/MPINs.
4. Don't use same PIN repeatedly when changing. New PIN can't be same as any of the previous 3 PINs.
5. Both 6 Digit MPIN and 6 digit Login Passcode should not be same/identical.
WHAT IS MMID?
MMID is a 7 digit number to be generated receive funds by IMPS via P2P option (i.e., Via Mobile number). If you have more than one account number then you have to generate separate MMID for each account.
Option available in Fund transfer → Manage MMID.
ANY TIMELIMIT AFTER PAYEE REGISTRATION FOR FUND TRANSFER?
1. After adding Payee, Cooling period of 4 hours is available for further Fund transfer maximum up to Rs.100000 for next 20 hours.
2. Payee wise one Time Quick Fund Transfer maximum up to Rs.25000/-is allowed without adding Payee.
3. This is not applicable for self-account transfer and Deposit/RD payments.
ANY BILL PAYMENT FACILITIES AVAILABLE?
Accounts → Billpay → where customer can perform bill payments and Pre-paid recharges. Customer can add billers and Auto pay option available for bill payments.
ANY LIMIT FOR FUND TRANSFER IN MB?
IMPS
5 lakhs
25 lakhs
NEFT
2 lakhs
20 lakhs
RTGS
10 lakhs
30 lakhs
Self-Transfer
Max limit
Within Bank
Bill Payment
Credit Card
UPI
Below are the additional validations for during Quick transfer and Beneficiary Payment
Quick Payment
25 thousand
4 transactions per day
NA
Beneficiary Addition Payment*
4 hours
1 lakh
As per Customer transaction limit
BILL PAYEMENT FAILED AMOUNT REVERSAL?
Bill payments failed transactions will not be reversed immediately but will be reversed after reconciliation in T+1 basis.
ANY FUND TRANSFER LIMIT SETTINGS OPTION AVAILABLE?
Setting (top right corner) → My limit setup.
FUND TRANSFER FAILED BUT AMOUNT DEBITED?
If IMPS/NEFT/RTGS fund transfer failed and amount debited, then money will be automatically credited back in 2 working days after reconciliation process. If not please contact branch/ lodge complaint through "Complaints" option available in More → Miscellaneous.
HOW CAN I ENABLE FINGERPRINT?
Please go to Settings → Biometric Settings → select toggle button to enable/disable fingerprint.
HOW CAN I APPLY NEW DEBIT CARD?
After login go to - Card services - Apply. Where select desired eligible account number for which ATM card to be applied.
Please select required variant of debit card, card issuance charge will be displayed in the page (amount will be debited from account once card is successfully applied). After entering "Card holder name" - you can submit application along with giving MPIN. On correct MPIN validation, New debit card will be applied.
IF I HAVE CARD ALREADY AND HOW CAN I REPLACE IT WITH NEW CARD?
After login go to - Card services - Select debit card to be replaced → Details → click on card → Replace.
Only damaged/lost marked cards can be replaced. So if your card is active it will ask you to mark your card Damage or Lost. Mark anyone and proceed further.
Please select required variant of debit card, card issuance charge will be displayed in the page (amount will be debited from account once card is successfully applied). After entering "Card holder name" - you can submit application along with giving MPIN. On correct MPIN validation, New debit card will be replaced.
HOW CAN I UPGRADE MY EXISTING DEBIT CARD?
After login go to - Card services - Select debit card to be upgraded → Details → click on card → Upgrade. Please note that only Active Debit card can be replaced.
Please select required variant of debit card, card issuance charge will be displayed in the page (amount will be debited from account once card is successfully applied). After entering "Card holder name" - you can submit application along with giving MPIN. On correct MPIN validation, New debit card will be upgraded.
Until you get activate your new card from branch. Your upgraded card will continue working.
HOW WILL I KNOW WHEN I CAN COLLECT MY DEBIT CARD?
New debit card will reach customer registered address except for NRE/NRO customers, where they must reach out to branch after 10 days to collect card. Please note that once new card is generated it will be reflected in IOB CONNECT app as "INACTIVE" card.
HOW TO ACTIVATE MY CARD?
New debit card has to be activated in branch. The status of card in IOB Mobile app will be changes as "Active".
HOW CAN I SET/RESET MY ATM PIN?
Can be set only for Active or Upgraded Debit cards. After login go to - Card services - Select debit card → Details → click on card → Green PIN Set
Then Debit card details (16 digit card number and Exp date/year) to be entered. Then PIN as per your preference can be entered (make sure that New PIN and Confirm PIN should be same), then OTP and MPIN will be required.
After validation your Debit card PIN will be set/Reset.
HOW CAN I CHANGE MY ATM PIN?
Can be changed only for Active or Upgraded Debit cards. After login go to - Card services - Select debit card → Details → click on card → Change PIN
Then Debit card details (16 digit card number and Exp date/year) to be entered. Then OLP PIN will be asked, New PIN as per your preference can be entered (make sure that New PIN and Confirm PIN should be same), then OTP and MPIN will be required.
After validation your Debit card PIN will be changed successfully.
HOW TO OPEN DEPOSIT?
In IOB CONNECT homepage → start a deposit option → where please select on what frequency you want your deposit interest rate to be processed and select deposit scheme to be opened.
Alternatively, in home page → Accounts → Deposits → Start a deposit.
HOW CAN I SET MY UPI PIN?
Login application → UPI → Details (adjacent to MyQR) →Linked accounts will be displayed → please select settings symbol → Change UPI PIN/Forgot UPI PIN. UPI PIN is different from MPIN set for Mobile Banking transactions.
WHAT IS UPI LITE?
Customer can perform UPI transactions with 5000 without UPI PIN via UPI lite.
HOW TO DEREGISTER UPI LITE?
Please login IOB CONNECT→ UPI → Profile → Deregister UPI Lite.
WHAT IS ASBA?
ASBA- Application Supported by Blocked Amount is an application by an investor containing an authorization to Self-Certified Syndicate Bank (SCSB) to block the application money in the bank account, for subscribing to an issue.
HOW CAN I APPLY IPO THR MOBILE BANKING?
Separate icon named ASBA IPO is available in Home page with the following functionalities:
1. OPEN IPO
2. APPLIED IPO
3. PROFILE
WHAT I NEED TO REGISTER MY PROFILE FOR IPO APPLICATION?
For registering a profile customer should need for CSDL - DEMAT account number to be entered and for NSDL - Depository ID and Client ID to be entered.
While Profile addition, PAN details will be fetched from customer CIF ID and the same cannot be modified. Based on unique Demat account number, application will be allowed to create the more profiles for a single customer. Application would perform the field level validation only; the respective customer should ensure that the details that are filled in the registration form are correct for applying IPO.
CAN I MODIFY MY REGISTERED PROFILE FOR IPO APPLICATION?
Profile can be deleted, and new profile can be created. Make sure that details given are correct and valid to avoid IPO rejection.
HOW MANY BIDS I CAN ADD IN A SINGLE IPO APPLICATION?
We can add up to 3 Bids in a single application.
WHAT IS BID QUANTITY AND HOW MUCH BID QUANTITY CAN BE APPLIED?
BID Quantity cannot be below minimum BID quantity and it can only be in multiples of LOT quantity.
BID AMOUNT CHECK?
BID amount cannot be lower than Low BID amount and cannot be greater than High BID amount.
CAN I APPLY IPO IF I HAVE LESS ACCOUNT BALANCE?
If available balance in the account is lower than IPO application, app will not allow to apply IPO. Will be declined with the popup message "Amount is greater than your available balance. Please enter valid amount"
WHAT IS LIEN MARKING IN IPO APPLICATION?
If IPO has been successfully applied, respective amount in account will be successfully lien marked. Hence the same amount will be reduced from account effective available balance. But amount will be debited from account only if applied IPO is issued successfully. If not lien marked will be removed.
HOW CAN I CANCEL MY IPO APPLICATION?
IPO application can be closed only before closure of BID. Go to ASBA IPO - Applied IPO -CANCEL IPO, where we can withdraw our IPO applications before BID gets closed.
WHAT IS DOORSTEP BANKING?
PSB Alliance Doorstep Banking Service is a facility through which customers can avail major banking Financial and Non-financial transaction services at their doorstep.
Please avail Doorstep services option available in MB - more tab at bottom right - doorstep banking.
HOW CAN I SYNC MY INTERNET BANKING PAYEE HERE?
Fund transfer → Payee → Sync IB payee. Once the payee sync is given, all the registered payees available in your internet banking will be automatically updated here.
HOW CAN I AVAIL UPI FACILITY IN MOBILE BANKING?
In IOB Connect Homepage → UPI → On selecting the option customer will be prompt to create VPA and add account for UPI registration. Upon successful VPA creation and account addition, customer is good to proceed with UPI functionalities.
HOW CAN I DOWNLOAD MY ACCOUNT STATEMENT?
Accounts → Details → select account → Detailed statement
Can be downloaded with prefixed options like Current month, last month, last 3 months, last six months, Number of transactions and Date wise.
WHAT IS SHOP OPTION IN IOB CONNECT?
On clicking this option, third party shopping sites will be opened. Where IOB customers can perform shopping, booking tickets, purchasing gift cards etc., During purchase cash back reward points will be available from specific sites and that can be used for further purchase from our application.
HOW DO I KNOW WHICH SITE IS OFFERING REWARD POINTS IN IOB CONNECT APP?
When specific shopping site is opened, there will be an information page where coupons/reward point percentage is any available for that site will be displayed. If there is no percentage displayed, then there are no reward points offered by that particular site.
WHEN CASH BACK REWARD POINTS WILL BE CREDITED?
Reward points will be credited in your wallet after product return period which is different for different sites. Till then your points will be displayed in pending stage.
WHEN CAN I UTILISE MY REWARD POINTS?
Reward points can be used once it reached 250 points.
WHERE CAN I DOWNLOAD MY BALANCE / INTEREST / TDS CERTIFICATES?
In IOB CONNECT app → MORE (bottom left corner) → Miscellaneous.
CAN I ENQUIRE FOR LOCKER AVAILABLE IN MY BRANCH?
Yes. In IOB CONNECT app → MORE (bottom left corner) → Miscellaneous → Locker Enquiry. Where customer can select required branch and submit to get details regarding locker availability in selected branch.
CAN I FREEZE MY ACCOUNT?
Yes. Account can be freeze via SOS (in home page). Once account is freeze from application, customer need to reach out to branch to unfreeze.