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Personal Banking

Last Updated on: 07/07/2025

IOB-Mobile-Banking

                                             IOB Mobile Banking

HIGHLIGHTS:

  • Simple Self-Registration via Registered Mobile number.
  • Set MPIN through Active Debit card details or Aadhar validation.
  • Comprehensive Fund transfer module which covers all channel - Intra Bank, IMPS, NEFT and RTGS.
  • 360 UPI functionality includes Collect request and UPI lite.
  • Extensive Bill Payment option.
  • Add your other bank accounts to view details and transactions.
  • Set Standing Instruction / Auto Payment Facility for RDs and Loan Accounts.
  • Manage all Debit card related requirements.
  • Invest More through IPOs easily on hand clicks.
  • Opening/Closure/Renewal of Deposits.
  • Pay your Credit Card Dues from IOB Mobile App.
  • Generate All statements related to your accounts.
  • Enabling / Disabling AePS transactions.
  • Add Nominee and view Nominee details to Self-operated Savings Bank Accounts.

 

Google Pay     App Store

Seamless Self-Registration Process:

  • Download & Install IOB CONNECT App from Google Play / Apple Store.
  • Select Registered SIM for SIM Binding and OTP validation.
  • Enter 15 Digit Account Number or CIF ID.
  • Select Primary Account number and Enable Fund transfer if required.
  • Set 6 Digit Login Passcode.
  • For Fund Transfer, Set 6 Digit mpin through Active ATM Card details or Aadhar Validation.
  • Login Passcode and mpin should not be the same.

New and Important Features in Short:

  • SOS - Debit card Block, UPI Block, Stop Cheque, Account Freeze and Contact Us for any emergency
  • Enhanced UPI Functionality à Smooth UPI registration, Scan and Pay, UPI Number creation, Pay via Account number/UPI ID/VPN/UPI Number, UPI Lite enabling and Top Up, Collect request and Complaints handling.
  • Exclusive Bill Payment Section à Instant Bill Pay, Register Biller, Schedule Auto pay, Bill due monitoring and complaint handling.
  • Account Aggregator à Add your other bank accounts where you can view Balance and statement.
  • Add Money à Add Money to your IOB account from Any other account via UPI ID.

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 (NEFT/RTGS/IMPS / Bill Payments/Credit card payment).

Unassailable Security Features:

  • SIM Binding to Ensure Safety & Security.
  • Secured with Dual Authentication.
  • Log in with Fingerprint / Facial Recognition (iOS).
  • SIM Binding attempt limited to 3 times per 24 hrs.
  • Page toggling not allowed during SIM binding.
  • Session even if active will Time out after 15 minutes.
  • Airplane Mode Check- Device binding disallowed on Airplane Mode.
  • Blocking older versions of build by giving Force Update.
  • Screen sharing/remote access of application is blocked.
  • Application cannot be accessed during Active Voice call.

 

Complaint Mechanism:

  • Complaint can be raised and Tracked through application: More à Miscellaneous àComplaints
  • Can reach helpline18004254445.