Step-by-Step Procedure for Checking Account Balances Without Going To The Bank

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We live in the digital age. The advances in modern technology have helped us digitalize almost every process in our daily lives. From turning on the lights to locking our car doors, we can easily perform almost every activity in our daily lives because of access to the Internet and handheld devices. Innovative technologies continually offer people quicker and easier ways of doing things, such as a bank balance enquiry. You can open a bank account, conduct transactions, and do an account balance check without even stepping inside a bank. The process is so simple that even people who are not used to using their smartphones or laptops will find it convenient and preferable.

Visiting your bank for a balance inquiry is not feasible every single time. Besides, when you conduct multiple bank transactions in a day, it becomes important to check your account balance regularly. To do an account balance check, you need a registered mobile number and access to your bank account.

How to Do an Account Balance Check Online

1. Mobile Banking App

If you regularly check your balance, it is advised to download the mobile application of your bank to your smartphone from the App Store or Google Play Store. This will save you from entering all the details every time you need to conduct a balance enquiry. If you are a first-time user, register by entering the details requested when you open the mobile app.

  • Enter your registered account number, registered mobile number, registered email address, debit card number, and CVV in the given fields.
  • Enter the OTP sent to your registered mobile number.
  • Create a username and password.
  • Once you create an account, enter the login details. Check your account balance by clicking on ‘Account Overview’ or ‘Account Balance’.

Once you complete this process, you will be able to check your account balance, transactions, and other details every time you open the app.

2. Text Message (SMS)

Another convenient way to do a balance enquiry is via text message, or SMS. Most banks will have a specified number to which customers can send an SMS and receive an SMS reply from the bank with their account balance. At the time of creating an account online, you have the option of enabling auto-updates via SMS. Check that box so that you do not have to log into your bank account every time after conducting a transaction to check your account balance.

If you forget to set up text messaging at the time of creating an account, you can activate it later by visiting your branch. You might have to fill out a form, after which you will start receiving text messages so you can check your account balance. With the SMS option, you can get a quick account balance check without entering any details.

3. Phone Banking

Phone banking is another method to do an account balance check. For people who are not comfortable using the internet or smartphones, making a simple phone call to the bank’s phone banking number can help you with your balance enquiry. Most banks have a phone banking service that will allow you to check your account balance at any time of the day.

Call the toll-free number of your bank, listen to the automated recording, and dial the number that corresponds with ‘Balance Enquiry‘. You will hear your updated bank balance on the recording up to two times. To find the toll-free number, check the details printed on your cheque book, passbook, and bank letters, or you can find out by calling your bank or even checking the website.

4. ATM

If you cannot use a mobile device to check your account balance, you can use the ATM. To use the ATM for a balance enquiry:

  • Enter your card into the card slot.
  • Enter your PIN.
  • Follow the on-screen instructions for ‘Balance Enquiry’.

Most ATMs have similar procedures to help you check your account balance and the on-screen instructions are clear enough to help you navigate. It is advisable to use your bank’s ATM. There will be additional charges if you use the ATMs of other banks, even if you do not withdraw money. Extra charges are also incurred when you use ATMs in a foreign country for an account balance check. It is recommended to keep these in mind.

5. SMS Alerts

When you conduct multiple transactions a day, it becomes difficult to keep track of each transaction and the remaining balance. You can set up alerts and even choose what type of alerts you wish to receive. Most banks will send the customer an SMS to their registered mobile number whenever a transaction has been made. This SMS will contain the remaining balance after a successful transaction. So, whenever there is any account-related activity, such as a debit or credit, you will receive a push SMS notification. This will keep you informed of all transactions related to your account.

6. UPI Apps

UPI transactions are becoming increasingly common and frequent. Almost everyone who conducts digital transactions has started using UPIs. You can check your account balance using your UPI ID. To do so, you will first need to create a UPI ID:

  • Install a UPI app on your phone by downloading it from the Apple App Store or the Google Play Store.
  • The UPI app will work only if there is a registered SIM card on the device. Enter your mobile number and receive an OTP.
  • Add your bank account to your UPI app. You have to select the bank and enter your account number and registered mobile number. This will begin the registration process.
  • After automatic verification, you will be asked to create a UPI pin. You will get your UPI ID after you complete this step.

To do an account balance check after creating your UPI ID:

  • Open the UPI app.
  • Enter the UPI pin.
  • Click on the Check Account Balance tab to view your balance.


Depending on various factors, you can choose one or more of these methods to regularly keep an eye on your account balance. If you are comfortable using smartphone apps for your day-to-day activities like shopping or hailing a cab, then you will probably find it hassle-free to check your account balance using your bank’s mobile app. For those who are not used to internet-based apps and services, using phone banking or SMS services for an account balance check will get the job done.

To learn more about different ways to check your account balance or other related areas, visit Piramal Finance and read more useful articles like this one!