How To?

How to Check Bank Balance Without Going to the Bank?

Personal Finance

Modern technology has made many tasks that used to be tedious and labour-intensive much simpler. Getting cash and handling financial transactions no longer need you to physically visit a bank. With the push of a button, you can see how much money you have in the bank and put money into it. Since you make several purchases and withdrawals, monitor your money closely. If you check your bank account often, you may catch any fraudulent activity or mistakes early. The balance of a bank account may be checked in various ways, including by email, alerts, SMS, online banking, UPI, and many more.

Simple Method to Check Bank Balance

Keep the following in mind while you check your bank balance:

  • Make sure the bank has your cell phone number on file before proceeding.
  • Sending and receiving text messages (SMS) and making phone calls need a valid cell phone number.
  • Make use of a portable device. This is because banking and UPI applications are available to everyone with an internet connection.
  • It’s also important that your checking account is associated with your debit or ATM card.
  • You can use online banking to check your balance.


A bank’s website is not the only way to check the bank balance. After entering your debit card or ATM card into an ATM, you may follow the on-screen instructions.

Using an ATM affiliated with or owned by your bank would be helpful. Fees are incurred at most other ATMs whether or not money is withdrawn. If you use an ATM outside of the country, your bank may charge you more fees.

Text Messages

Sending a text message is one of the simplest ways to check your bank balance. Most banks offer this service to their account holders. Once a bank starts to offer this service, you can ask for a quick update on your balance whenever you want. You will get a text message with your account balance. Message alerts should be part of the default setting. Any time money goes in or out of your account; you can expect to be notified quickly.

Utilising a Call-Back-Service

A missed call and text message must be sent to the given number. This service should be activated with your bank.

Making a Call to the Bank

Call your bank to check your balance if you like to use a conventional technique. A human person may only be available during certain hours. However, many banks have automated systems that provide financial information around the clock. Adjusting to such systems may need some time (you may need to establish a PIN, among other things). But once you get going, it will flow effortlessly.

Simply by Setting Up Notifications

Rather than repeatedly monitoring your account balances, you may have the bank notify you of any changes by email. If your bank account balance goes below a limit or a large withdrawal is made, you may set up alerts to be sent to you through text message or email.

You may alter both the monetary amounts that apply and your reaction to them. You can be certain that your bank account is secure regardless of whether or not you have notifications set up.

Current Account Balance

Remember the format of the number when you check your bank balance. When you check your bank account online or using the bank’s mobile app, you may see your current balance and your available credit (the amount you might take and spend).

The Benefits of Checking Your Account Balance Over the Phone

Among the many benefits of check bank balance on your phone are the following:

  • You may check bank balance at any time, regardless of where you happen to be. It’s a skill that can be used almost everywhere on the planet.
  • There is no time limit on this. 24/7 access to toll-free lines and missed call services.
  • You can avoid wasting time and energy driving to the bank only to check your balance.
  • It’s a practical approach to verifying one’s account balance. This service is restricted to customers whose mobile phone numbers are already on file with the financial institution. Because of this, an outside party will require your help to understand your financial standing.

Online Balance Enquiry

An online balance inquiry is simple to complete. However, before conducting any online banking transactions, you should keep the following in mind:

  • Your cellphone number must be registered with the bank. You can use it to send and receive important account-related SMS messages.
  • When opening an account, you will get login credentials that you can use for net banking.
  • The majority of banks have apps to assist their customers. Download the mobile app from your bank if one exists so you can access account-related details anytime.
  • You may check bank balance online by using UPI app. Any UPI app you use is connected to your bank account to simplify online payments. You just need to select the account balance option to get the account balance on your device.
  • Apply for a debit card for your bank account right away. Your debit card could be used to check your balance at ATMs.


In today’s digital era, you can do many tasks in a fraction of the time and with far less work than in the past. Online banking and money transfers are only two examples. Deposits, account balance checks, and money transfers are just some of the many financial operations performed with a single mouse click. Many transactions each day need active monitoring of account balances. Those that check their accounts often are the first to learn of any issues or frauds. You now have access to all the tools you need to check bank balance. To better understand, you must read the blogs and articles on Piramal Finance