How To Check Bank Account Balance on Phone
Regardless of India being amidst a portable and web upheaval, not all have a cell phone in India and not all have web offices on their cell phone. In both of the cases, fundamental saving money exercises can even now be brought out through a cell phone. Managing an accounting office, for example, financial records adjust, producing small articulations and store exchanges should all be possible by means of the versatile handset without web association.
There are two ways of checking bank balances on your phone without internet – first is by using the Missed Call facility and another is dialing *99# from your handset.
1) Missed Call Facility
With the new lead forced by banks, ATM use has turned out to be chargeable after a particular number of withdrawals. In any case, in the event that you are aware of missed call office to check your bank adjust, at that point the new control shouldn’t trouble you any longer. Yet, the accompanying highlights should be initiated before you benefit from this administration which is completely free.
- Your mobile number should be registered with your bank
- Through this service, your account balance and the previous 5 transactions can be viewed
- Every bank has its own Missed Call Banking number, hence you must procure the right number from your bank.
- Any call to this number from your registered mobile will automatically get disconnected after a few rings. And in no time you get messages with information on your account balance and the last 5 transactions.
- In case your mobile number is not registered, you will receive the message “Your mobile number is not registered for this service”
- If you possess a different type of accounts like a Savings Account, a current account, or an overdraft account, then the default account gets selected in the following priority. 1) Savings Account (SB), 2) Current Account (CA), 3) Overdraft (OD), 4) Cash Credit (CC), 5) Other Accounts
- Please note that in the case of you having more than one account of a similar nature (savings/current etc) the latest opened account will be automatically set as the default one
2) *99# Facility
National Payment Corporation of India (NPCI) launched this unique service for GSM mobile subscribers across India that allows a customer to check their bank balance easily on any mobile without any internet connection by just dialing *99# USSD code. This hassle-free service has the following features:
- Works perfectly well without any internet connection
- The common code of *99# is applicable across all telecom operators
- No additional roaming charges are charged for using this service
- Facility can be availed 24/7 including holidays
- No need of installing any App on your handset
- The service is also available in 12 Indian regional languages
Both financial, as well as non-financial services, can be availed under *99# facility.
(a) Non Financial services: This includes services such as balance inquiry, mini statement, generating OTP for different transactions as a second factor of authentication. It can also be used to generate Mobile PIN or MPIN for authentication of the financial transaction. Mobile Money Identifier (MMID) can also be generated through this facility.
(b) Financial services: One can avail financial services like sending money using MMID or IFSC or Aadhaar to beneficiaries through *99# facility.
Steps for checking bank balance without internet through *99#
- From your mobile phone dial *99#
- A welcome screen would appear next asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
- Once IFS Code or short name is entered, the menu will appear with different options of available services enabled for your bank.
- For balance inquiry, enter option 1
- A confirmation screen appears next displaying the available balance in your account
Almost all the telecom service provider supports *99# facility. For availing this facility in various regional languages, the requisite code needs to be dialed – for example, *99#22# (for Hindi), *99#23# (for Tamil), *99#24# (for Telugu), *99#25# (for Malayalam) etc.
Make sure to register your mobile number with the bank before availing this facility. Also, before initiating this facility be sure about your mobile phone is in a network area or range.
