How Do We Check Bank Balance Online?

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Digitalisation has made many tasks reasonably accessible, which required much more time and physical work earlier. Banking is one of them. You don’t need to visit a branch for any financial transaction. Instead, you can easily send money, check your loan status, and check your bank balance with one tap on your smart device.

Previously, you needed to stand in long lines to get your passbooks updated every time you wanted to check your bank balance; today, within a few seconds, you can check your bank balance online without going to the bank.

Methods to Check your Bank Balance Online

  1. Net banking
  2. Mobile banking
  3. Bank SMS service
  4. Missed call facility for customers
  5. ATM
  6. UPI applications.

Net Banking

Anyone can check their bank balance anytime with net banking. All you need to do is log in to your bank’s official website and enter your details and password. If you are a first-time user, you must register before accessing banking facilities and checking your account balance.

Steps for first-time users:

  • Enter your account number.
  • Enter your registered mobile number.
  • Enter your registered email address.
  • Enter your debit card number and the CVV number (on the back).
  • You will receive a one-time password (OTP) on your registered mobile number.
  • Enter the OTP.
  • Create a username and password.

Once you have registered your account, log in with the same username and password and check your balance. Net banking can also be used for many other tasks, like paying your bills, paying insurance premiums, sending and receiving money, and much more.

Mobile Banking

One of the easiest methods to check your bank balance on your smartphone involves using your bank’s mobile application. Most banks have mobile applications and websites, particularly those customised for smart devices, that help you check your bank balance online. Mobile banking is convenient and reliable in terms of security.

Bank SMS Service

The quickest way to check your bank balance is through the SMS facility. People who don’t use smartphones can also check their bank balance through this text messaging facility. You can request your bank balance or the list of the last five transactions. The information will be sent in text message format, which does not require Internet access. You can also request an SMS alert facility to keep you updated with your bank balance and send push notifications whenever there’s a transaction in your account.

Missed Call Facility

If the SMS facility is not the easiest way to check your bank balance, banks also have a facility known as the “missed call service” for their customers. Most banks in India have this facility where you need to call a designated number and give a missed call with your registered mobile number; the bank will send you a text message with your bank balance on your mobile phone. This is an effective method for people who find it difficult to send SMS; the missed call facility will keep them updated with their bank balance.

UPI Applications

With the young generation, UPI is the easiest way to keep track of your bank balance. Consider that you have more than one bank account. In that case, you don’t want to install multiple applications to check your balance and access facilities. UPI can help you save time and space on your smartphone.

Steps to check bank balance online through UPI:

  • Ensure the registered mobile number is on the phone. It should have an active plan with sufficient balance to send messages.
  • Choose your bank.
  • Select a SIM card with a registered number if you have a dual SIM device.
  • The SMS verification process will be initiated.
  • After verification, set up your UPI pin code.
  • Go to the “Check Your Bank Balance” section.
  • Enter the UPI pin code and check your balance.


You can also use your ATM to check your bank balance. Generally, ATM cards are used to get cash from your bank account, but they can also help you to get your bank balance details. You need to go to the nearest ATM to get the details.

Below are the steps to check your balance with an ATM card:

  • Insert your card inside the machine.
  • Enter your 4-digit passcode.
  • Choose the “Check Your Balance” option.

Final Words

The internet has made banking quite simple and convenient for all of us; without struggling to go to banks for balance updates and other transactions, you can quickly check your balance online hassle-free with either your laptops, tablets, or smartphones. Remember to never save your passwords, PIN codes, etc. on your devices, so that no one else can access your bank accounts without your permission. Get the best advice regarding all financial products and banks from your well-wisher and financial expert, Piramal Finance.