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How to Check Bank Balance Without Going to the Bank? & Online

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How to Check Bank Balance Without Going to the Bank

In the era of the digital world, the advancements of technology have led to various operations which required time and effort – an easy task.  For example, the financial and banking operations can be done without visiting the bank. There are many things you can do like transferring money, checking account balance, depositing money and other such tasks at the click of a button. With so many transactions we are doing daily we need to keep a track of your bank balance. A habit of checking balance keeps a person informed about errors or frauds right away.

There are many ways by which a person can check their bank account balance. It can be through email, push notification, SMS, net banking, UPI and others. Below are some of the common ways listed through which one can check their balance easily.

Things which are necessary for checking account balance

Before going into the details here are some of the things required for checking your account balance:-

  1. Registered bank account
  2. Registered mobile number
  3. Net banking account for people wanting to check their balance on the bank’s website

Eight easy steps for checking account balance

1. Login Online (Net Banking)

One can easily check their bank account balance anytime through this method. For getting started, one is required to navigate to the bank’s official website and enter the information required. One can use a bank’s mobile app. For most of the apps, one needs to look for the option such as “Account Access” or “Login”. If this is the first visit to the app or website, you will need to register by clicking on “The first-time User.”

For registering follow the process below:-

  • Step 1: Enter your account number, registered mobile number, registered email address, debit card number and CVV number. Click on submit. An OTP will be generated.
  • Step 2: After entering the OTP which is sent to your registered mobile number, enter the username (new) and password. The account is created.

Next you need to check the balance, just enter your username and password. Apart from checking bank balances online, one can also transfer money to various banks, pay different bills and others.

2. Text Messages for balance checking

Another convenient way of checking your balance is through SMS. If you have checked the option for SMS alerts while filling up the bank account while creating a new account, then for every transaction you will automatically get balance updates along with the amount credited or debited. You don’t have to do anything extra like entering passwords or usernames. If you have not checked the option, visit the bank branch, ask for an SMS option and then fill up a form at the branch to get updates.

You can also check your balance using the registered mobile number by sending an SMS to the bank’s number. The number is different for different banks. The list of numbers and the format of SMS is mentioned below in this article. If this option is enabled you’ll get quick balance updates.

3. Use an ATM

One can also use ATMs to find out about the account balance. You just need to go to any ATM and follow the steps below:-

  • Enter your card
  • Enter the PIN (a 4 digit code)
  • Select the balance inquiry option

The balance would be shown. The process for the ATMs is more or less the same. But it depends on that specific bank’s ATM. It is advised to use your bank’s ATM as using another ATM can cost you some charges. If you are checking through a foreign bank’s ATM, it might cost you an additional fee.

4. Call the Bank

For those you are not comfortable with, the above approaches can call up the bank to know the balance. But unlike the above options where you can check your balance anytime, this process cannot be done 24/7 if the bank’s system is not automated. Nowadays it is basically automated. You will be asked to enter certain information like bank account details and others, then they will let you know the balance immediately.  The list of numbers for different banks is given below.

5. Setting up Alerts

If you don’t want to check your account balance every time, you can just ask the bank for a message which is sent to you whenever your bank account has a low balance. For any big withdrawal or low balance, you will be alerted by your bank immediately. For such alerts, you can customize the amount and other things while setting up alerts.

6. Talking to a Teller

If nothing is working for you, you can call up the bank and speak up to a person if your bank has a brick-and-mortar bank with local branches. It is different from the fourth option mentioned above as by talking to a teller you actually talk to a person as compared to automated calls.

Every bank has a specific number which you can call up and talk to the teller. But unfortunately, it is getting difficult to have access to tellers. As most of the banks have shifted to online processes they are less likely to hire tellers. Plus they will charge you extra fees for calling up a teller. But tellers do tell the bank balance in exchange for some information.

7. UPI and other banking apps

The most convenient and easiest way to check balance nowadays is through UPI and other banking apps. If you have various bank accounts and don’t want to install so many apps then you can just install a UPI app.

Follow the below process for checking bank balance with UPI

For the first time:-

  • Step 1: Install any UPI app.
  • Step 2: Ensure the mobile device having the UPI app must have the registered mobile number sim in it which is active and has enough balance for sending an SMS.
  • Step 3: Open the app it will ask you to choose the bank name with which you have a bank account and the registered mobile number in case the phone device has a dual sim.
  • Step 4: The registration process begins. The app will automatically send an SMS and verify your number.
  • Step 5: After successful verification, the UPI will ask you to create a UPI pin (not the same as an ATM card pin) and will give you a UPI id.
  • Step 6: Enter 4 digits as per your wish. The registration process is complete.

Note: If you have already created a UPI ID with a particular app then use the same id across all such UPI apps. Some apps also ask you to provide an email address. The email address may not be the same as the registered email address, it can be different.

For checking balance:-

Just open the UPI app and click on ‘check account balance’. Enter the UPI pin and the balance will be displayed automatically. There is no charge for checking the balance through UPI. 

8. Missed call

Banks offer balance updates when a person makes a miss call with their registered mobile numbers. But for getting miss call balance updates the following are required.

  1. Registered mobile number – Only thing required for this process is a registered mobile number. The bank will only send balance updates if your number is registered with them.
  2. The number should be active for giving a missed call and for receiving SMS.
  3. This facility should be active with your bank.

The Available Balance

As one checks their bank balance, one should check which type of balance they are checking. When one uses the bank’s app or any online process, one should note that the banks show the balance available which generally tells how much a person can withdraw or spend that day. Generally, the available balance is less than or can be greater than that shown. It is not that the bank is showing the wrong balance but rather it doesn’t show the pending transactions. The upcoming bill payments or the deposits might not have cleared by that time.

Bank wise step for checking account balance

Below mentioned is the process for checking account balances for some major banks:-

1. Bank of India Account Balance Check

Bank of India offers various banking services for facilitating the customers. One can check their bank account balance, create a new account, pay EMIs, and do various financial transactions. BOI also offers mobile banking and the service of SMS. Here are the ways through which one can check their Bank of India account balance:-

Balance through missed call

For checking account balance Bank of India customers can give a missed call to this toll-free number – 09015135135

Or SMS “TRANS XXXX Account Number” to 9810558585

Here XXXX is a 4 digit ‘Star Connect Mobile Banking Link’ password.

Balance through SMS

For checking account balance Bank of India customers can send an SMS through the registered mobile number:-

“BAL XXXX Account Number” to 9810558585

Here XXXX is a 4 digit ‘Star Connect Mobile Banking Link’ password.

First-time registration:-

For the Bank of India bank account for the SMS balance inquiry, the account holders should connect to Star Connect Mobile Banking through the SMS facility. Follow the below steps for linking your mobile number:-

  • Step 1: Go to the official BOI website and select the Mobile banking option.
  • Step 2: Select the ‘Star Connect Mobile Banking Link’ option.
  • Step 3: Log in with your username and password
  • Step 4: You will be asked to enter a registered mobile number
  • Step 5: Choose the “Set SMS password” option
  • Step 6: Enter 4 numbered SMS passwords as your choice.

Mini statement

For getting a mini statement, Bank of India customers can give a missed call to 09015135135 or 09266135135 or send an SMS to the below-given format:-

‘TRANS<4-digit SMS password> to 919810558585

You will get a mini statement of 5 transactions.

BOI ATM

One can also use Bank of India ATMs for finding out about the account balance. You just need to go the Bank of India ATM and follow the steps below:-

  • Insert your card
  • Enter the PIN (a 4 digit code)
  • Select the balance inquiry option

The balance would be shown. One can also choose the ‘mini statement’ option for checking transaction history upto 10 previous transactions. You can also use Bank of India ATM cards at ATMs of other banks.

BOI Net Banking

Through the login ID and password, the Bank of India account holders can check their balance through the net banking option. One just needs to go to its website and enter the login id and username. Once logged in, go to the account section summary from the dashboard to know the balance. One can also use net banking for money transfer, online shopping, pay EMIs, funds transfer and others. You can also opt for e-statements from net banking. Plus, you can also get special offers, rewards and discounts through net banking.

BOI Passbook

One can use the passbook for checking balance. The passbook is provided to every account holder. The passbook needs to be updated by using the passbook updating machine available at banks or at ATMs.

For updating the passbook through the passbook updating machine – You just need to open the passbook page to a blank page and insert it in the machine as shown on the screen.

BOI mPassbook

Bank of India also has an option for generating an electronic passbook for the bank account. This also gives you the option of downloading a statement in PDF format.

BOI Mobile Banking

BOI provides mobile banking services to all its customers whether they are national or international. If a customer wants to use this app he should possess a smartphone mobile device so that he can download the app. The 3 main apps that BOI offers are BOI StarToken, BOI BTM and BOI StarGlobal. It becomes very easy for clients to check account balances through this app.

These apps offer a wide range of banking services like funds transfer, balance inquiry, mini statement and more. Facilities like IMPS and NEFT are also provided.

Likewise, the BOI Star Global app also offers the same services with the difference that you must have an account in one of its overseas branches to avail of these services.

2. Axis Bank Account Balance Check

Axis banks have a very large customer base. To satisfy the banking needs of the different products and services, Axis bank has launched a number of services for aiding its customers. Here are the ways through which one can check their Axis Bank account balance:-

Balance through missed call

For checking account balance Axis Bank customers can give a missed call to this toll-free number – 18004195959 for English and 18004195858 for Hindi

Balance through SMS

For checking account balance Axis Bank customers can send a SMS through the registered mobile number:-

“BAL” <space> “Account number” to 5676782

Axis Bank has two types of SMS Banking services one for regular balanced related updates and another for non-transactional requests such as cheque status and others.

Mini statement

For getting a mini statement, Axis Bank customers can give a missed call to 18004196969 for English and 18004196868 for Hindi

Mobile Recharge Service by Axis Bank

Axis Bank also gives the facility of mobile recharge for its customers so that they can check their Axis Bank account balance.

For fast mobile recharge, Axis Bank customers can send a missed call to 08049336262 (toll-free number). For activating this service send SMS tin the below-given format with your registered mobile number:-

Type ACT and send it to 5676782.

Axis Bank ATM

One can also use Axis Bank ATMs for finding out about the account balance. You just need to go the Axis Bank ATM and follow the steps below:-

  • Insert your card
  • Enter the PIN (a 4 digit code)
  • Select the balance enquiry option

The balance would be shown. One can also choose the ‘mini statement’ option for checking transaction history up to 10 previous transactions. You can also use Axis Bank ATM cards at ATMs of other banks.

Axis Bank Internet Banking

Through the login ID and password, the Axis Bank account holders can check their balance through the net banking option. One just needs to go to its website and enter the login id and username. Once logged in, go to the account section summary from the dashboard to know the balance. One can also use net banking for money transfer, online shopping, pay EMIs, funds transfer and others. You can also opt for e-statements from net banking. Plus, you can also get special offers, rewards and discounts through net banking.

Axis Bank Passbook

One can use the passbook for checking balance. The passbook is provided to every account holder. The passbook needs to be updated by using the passbook updating machine available at banks or at ATMs.

For updating the passbook through the passbook updating machine – You just need to open the passbook page to a blank page and insert it in the machine as shown on the screen.

Axis Bank Mobile Banking

Axis bank offers its customers a wide variety of mobile banking apps with a view to avail themselves of mobile banking services. The Axis bank apps are Axis Mobile, BHIM Axis Pay, Axis OK, Axis Merchant App and Axis Netsecure. However, you can use the following two mobile banking apps for Axis bank balance inquiry.

  • Axis Mobile – It is a mobile banking application that facilitates services like Balance Check, bill payment, open savings account, fixed deposit, etc.
  • Axis OK – This is a multilingual app that works without an internet connection. With this app you can request for E-statement, cheque book, pay credit card bill, block / unblock credit card, and much more. This app is available in 7 languages. They are English, Hindi, Gujarati, Marathi, Tamil, Malayalam, and Telugu.

3. PNB Account Balance Check

One can check their Punjab National Bank account balance in multiple ways. Here are some of the processes through which PNB customers can check their account balance:-

Balance through missed call

For checking account balance PNB customers can give a missed call to this toll-free number – 18001802223 or 01202303090 (not toll-free)

Balance through SMS

For checking account balance PNB customers can send an SMS

“BAL” <space> “Account number” to 5607040

Mini statement

For getting a mini statement, PNB customers can either call the toll free number 18001802222 or SMS this –

“MSTMT” to the number 5607040.

PNB Toll-free Number

To check account balance one can call up at 18001802222 which is a toll-free number. After the call is picked up, choose your preferred language and follow the instructions.

 PNB ATM

One can also use PNB ATMs for finding out about the account balance. You just need to go to the PNB ATM and follow the steps below:-

  • Insert your card
  • Enter the PIN (a 4 digit code)
  • Select the balance inquiry option

The balance would be shown. One can also choose the ‘mini statement’ option for checking transaction history up to 10 previous transactions. You can also use PNB ATM cards at ATMs of other banks.

PNB Net Banking

Through the login ID and password, the PNB account holders can check their balance through the net banking option. One just needs to go to its website and enter the login id and username. Once logged in, go to the account section summary from the dashboard to know the balance. One can also use net banking for money transfer, online shopping, pay EMIs, funds transfer and others. You can also opt for e-statements from net banking.

PNB Mobile Banking

PNB also has mobile banking apps for providing banking services to customers. You can download it on mobile with IOS or Android platforms. It can be used for mobile banking, balance inquiry, transfer of funds and others. Below are some of the banking apps of PNB.

  • PNB mBanking – PNB mBanking is an app available for Punjab national bank customers exclusively. You can just log into the mobile app by using a username and password.
  • PNB mPassbook – This app offers e passbook facility so you can get the updated transaction history through this app and detailed statements or mini statements as well.
  • PNB MobiEase – This app doesn’t require internet connectivity but is available for android users only. You can use this app for USSD banking, missed call alerts or SMS banking.

PNB Passbook

One can use the passbook for checking balance. The passbook is provided to every account holder. The passbook needs to be updated by using the passbook updating machine available at banks or at ATMs.

4. HDFC Account Balance Check

HDFC Bank like any other bank offers various services for the ease of the customers. There are various methods through which one can check the account balance. Below are some methods:-

Balance through missed call

For checking account balance HDFC customers can give a missed call to this toll free number – 18002703333

Balance through SMS

For checking account balance HDFC customers can send an SMS through the registered mobile number:-

For account balance query – SMS “BAL” to 5676712

Mini statement

For getting a mini statement, HDFC customers can either give a missed call to 18001802222 or SMS in the below-given format.

For a mini statement – SMS “TXN” to 5676712

HDFC Number

For checking account balance one can call up at 022-61606161 which is not a toll free number. After the call is picked up, choose your preferred language and follow the instructions.

HDFC ATM

One can also use HDFC ATMs for finding out about the account balance. You just need to go to the HDFC ATM and follow the steps below:-

  • Insert your card
  • Enter the PIN (a 4 digit code)
  • Select the balance inquiry option

The balance would be shown. One can also choose the ‘mini statement’ option for checking transaction history up to 10 previous transactions. You can also use HDFC ATM cards at ATMs of other banks.

HDFC Net Banking

Through the login ID and password, the HDFC account holders can check their balance through the net banking option. One just needs to go to its website and enter the login id and username. Once logged in, go to the account section summary from the dashboard to know the balance. One can also use net banking for money transfer, online shopping, pay EMIs, funds transfer and others. You can also opt for e-statements from net banking.

HDFC Bank Mobile Banking

HDFC also has mobile banking apps for providing banking services to customers. You can download it on mobile with IOS or Android platforms. It can be used for mobile banking, balance inquiry, transfer of funds and others.

HDFC Passbook

One can use the passbook for checking balance. The passbook is provided to every account holder. The passbook needs to be updated by using the passbook updating machine available at banks or at ATMs.

For updating the passbook through the passbook updating machine – You just need to open the passbook page to a blank page and insert it in the machine as shown on the screen.

5. SBI Account Balance Check

SBI banks offer banking services to their customers through its app. One can check account balance, get a mini statement and also do transactions using its app, website and others. Below are the ways through which its customers can check their account balance.

Balance through missed call

For checking account balance SBI customers can give a missed call to this toll-free number – 9223766666.

Balance through SMS

For checking account balance SBI customers can send an SMS – “BAL” to 9223766666

Mini statement

For getting a mini statement, SBI customers can either call the toll-free number 9223866666 or SMS this – “MSTMT” to the number 9223866666.

SBI ATM

One can also use SBI ATMs for finding out about the account balance. You just need to go to the SBI ATM and follow the steps below:-

  • Insert your card
  • Enter the PIN (a 4 digit code)
  • Select the balance enquiry option

The balance would be shown. One can also choose the ‘mini statement’ option for checking transaction history up to 10 previous transactions. You can also use SBI ATM cards at ATMs of other banks.

Net Banking for Account Balance

Through the login ID and password, the SBI account holders can check their balance through the net banking option. One just needs to go to its website and enter the login id and username. One can also use net banking for money transfer, online shopping, pay EMIs, funds transfer and others.

SBI SMS Service

With the number registering while opening the SBI bank account, the customers can easily check their account balance. For registering their mobile number for SBI SMS Service send the message in the below-mentioned format from the registered mobile number:-

“REG” <Space> “Account Number” to 0922348888

You will get a confirmation after which you can use the mobile number for checking balance.

SBI Card Balance Enquiry

Credit card users of SBI can easily check the balance through an SMS. Send the message in the below-mentioned format from the registered mobile number:-

For credit card balance inquiry – BAL XXX – Send SMS to 5676791

SBI Passbook

One can use the passbook for checking balance. The passbook is provided to every account holder. The passbook needs to be updated by using the passbook updating machine available at banks or at ATMs.

For updating the passbook through the passbook updating machine – You just need to open the passbook page to a blank page and insert it in the machine as shown on the screen.

SBI Mobile Banking

SBI has three mobile banking apps for its customers. These are SBI Anywhere, SBI Anywhere Saral and SBI Online. You can download it on mobile with IOS or Android platforms.

  • SBI Anywhere – This app is very useful and convenient to use for SBI customers. You can log in using the mobile banking credentials one can log in and enjoy the services.
  • SBI Online – This app is meant only for account holders of SBI.  You can use The SBI online banking portal easily. The interface of this app is similar to the desktop website. You can log in using the net banking credentials and access the banking services easily.

SBI Anywhere Saral – This app is for SBI corporate internet banking customers. SBI bank retail customers cannot use this app for balance enquiry.

How to Check Bank Balance Without Going to the Bank FAQs:

1. How can I check balance in my SBI bank account online?

SBI offers you multiple ways to check your account balance, print a mini statement and carry out bank transactions. SBI customers can give a missed call to toll free number 9223766666 or they can send an SMS BAL to 9223766666.

2. What is the name of the mobile banking app of State Bank of India to know bank account balance?

SBI Anywhere is a special mobile app designed for SBI customers. This app can be used to log in in and avail the diverse financial services after verifying your mobile banking credentials.

3. How to check my balance in in Punjab National Bank?

Punjab National Bank account holders can send the SMS BAL (Account Number) to 5607040.

4. What is the toll free number of Punjab National Bank to know bank account balance over phone?

Customers of Punjab National Bank can all the toll free number of 1800 180 2222

5. How can I check my account balance in HDFC Bank?

HDFC customers can give a missed call to 1800-270-3333 to get immediate updates on their account balance.

6. How can HDFC customers use SMS to know their bank balance?

Successful balance enquiry can be made by HDFC bank customers by texting BAL to 5676712, after completion of which account balance will be reflected as a push up message.

7. How can I check my account balance using missed call in Axis Bank?

Axis Bank customers can give a missed call to the toll free number 18004195959 to get immediate information on bank account balance.

8. How can I check my bank account balance in Bank of India?

Bank of India customers can send an SMS BAL (account number) to 9810558585.

9. How can bank account balance be checked on mobile phone?

The UPI app needs to be downloaded on your mobile. The second step is registration and after entering the secure OTP, you need to generate UPI pin. After entering the UPI pin as for password for consequential transactions, you can successfully check account balance.

10. What is the difference between available balance and account balance?

Account balance indicates the total quantum of money that is contained in your bank account. Available balance indicates the amount that can be withdrawn. Bank sometimes levy service charges and when that account balance is not sufficient the amount is taken as lien.

11. Can one use any mobile platform or website for checking one’s bank balance?

It is recommended to use only verified platforms or official websites for checking one’s bank balance. Using any unverified sources can lead to monetary loss. Further, any person can steal the financial details and use it for illegal purposes.

12. What method can one use for checking balance if their mobile number is not registered with a bank?

One can either go to an ATM for checking the balance or use net banking if their mobile number is not registered with the bank. You can also use the teller option to know your balance.

13. How can one register their mobile number with a bank account?

For registering your mobile number, you need to visit the bank branch and fill up the form for the same.

14. How much can one be charged for using another ATM for checking balance?

The charges can be as low as Rs 25 but depends on bank to bank.

15. What should one do if they find inconsistencies in bank balance?

One should report immediately to the concerned bank regarding the same.

16. How to report a bank about any fraud or any inconsistencies in bank balance?

You can contact the bank through customer care or visit the bank branch for reporting about any fraud or any inconsistencies in bank balance.

17. Does the bank call up and update about bank balance on its own?

No, the bank never calls up and updates about bank balance on its own. If you have received such a call, report it immediately to the bank.

18. Can another person check the bank holder’s account balance?

No, another person cannot check the bank holder’s account balance.

19. Can one use their email id to get account statements?

Yes, one can use their registered e-mail id to get account statements.

20. What is required for UPI?

One needs to have a registered mobile number and bank account.


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