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Indian Overseas Bank NetBanking

IOB Net Banking provides Net Banking/Internet Banking services to its retail as well as corporate bank customers. IOB account holders can avail services such as fund transfer, bill payment, apply for a new debit/credit card, open a new FD/RD account, book tickets, and a lot more without paying any additional charges or fees. They should have a secured internet connection and their mobile number should be registered with the OBC bank. Customers can make financial transactions easily from the comfort of their homes or offices once they have registered for the IOB Bank Internet Banking facility.

Features and services offered by IOB Net Banking Account

The net banking account of the bank provides a number of services that are highly beneficial to the customers of the bank.

Some examples of such services are mentioned hereunder.

  • The user can transfer or receive funds with absolute ease via the net banking facility offered by the bank.
  • The user can get many details relating to their account, for example,
    • Details of last transactions
    • Cheque book request
    • Status of cheque paid
    • Balance enquiry
    • Suspend the IOB Debit Card
    • View the PPF account
  • The net banking facility also allows the user to make various online payments like tax payments (Direct taxes, indirect taxes, sales tax collections, e-payment, Jharkhand VAT), make donations, subscriptions, etc.
  • The utility payments can also be made through the net banking account (gas, water, electricity, etc.)
  • The user can also make insurance payments, Fastag Recharge, mobile prepaid or postpaid payments, credit card payment, DTH or Internet charges, and much more.
  • The user can link all the available accounts with the bank (loans, insurance, FDs, RDs, etc) under a single login and thereby access the same under the single net banking account.
  • The net banking also allows the user to open new FDs, or RDs as well as apply for loans online.

How To Register For IOB Net Banking?

All resident and non-resident customers who have domestic mobile numbers can follow the steps below to register for IOB Netbanking online:

  • Go to the official website of IOB.
  • Click on register and select retail banking from the dropdown.
  • When you click the "Register Online/Self user registration" link, you will be redirected to the self-registration page.
  • Read the terms and conditions, accept, and move forward.
  • Enter the requested details, choose the facility type, set login, set the transaction password, and then submit.
  • On successful submission, your user/login ID & reference number will be shown. Save this for further records.
  • You will receive an SMS on your registered mobile number once your netbanking login gets activated.
  • You can log on IOB net banking after an hour & start transacting instantly.

How To Register For IOB Net Banking Via Phone Banking?

  • Contact the IOB customer care phone banking number at 18004254445
  • Give your customer ID and Telephone Identification Number(TIN) or check your bank account details.
  • The customer care executive will consider your request for netbanking registration.
  • Post that, the bank will courier your netbanking password to your mailing address

How To Register For IOB Net Banking At The Bank’s Branch?

  • Go to a branch of IOB Bank and request for the net banking registration form (individual or corporate).
  • Fill the form completely and submit it to the IOB branch official.
  • Post successful processing, you will get an SMS to your registered mobile number specifying the user/login ID.
  • Both your login and transaction password will be sent to your registered mailing address via speed post within 7 to 10 working days.
  • An SMS will be sent to your registered mobile number post the dispatching of your password from the CPC. The SMS will have the speed post tracking number for your reference.
  • You will need the user/login ID, login password, and transaction password to complete a financial transaction in IOB Net banking.

How to Reset The IOB Net Banking Password

1. Visit the official website of Indian Overseas Bank -

2. Select the personal or corporate login according to your account type in IOB.

3. Click on the forgot password option. Tap on the forgot password.

4. Enter the login ID and the account number. Enter your login ID and the 15 digit account number.

5. Enter the email id and the text shown in the captcha code.

6. Click on the continue option and then enter the OTP number that you have received in your registered mobile number.

7. Enter the new password and confirm the password. Click on the submit option.

The new password generated from the page will be the current password for your IOB internet banking page. This must be kept secure.

How to Verify The IOB Account Balance Using Net Banking?

Step 1: Log in to your IOB net banking account.

Step 2: Under the ‘Acounts’ tab, click on the ‘Accounts Summary’ option.

Step 3: A list of all your accounts is shown on the screen.

Step 4: Choose the account for which you wish to check the balance.

Step 5:The account balance and other information about the selected account will be shown.

Transfer of Funds via IOB Net Banking

The ease in transfer of funds is one of the most important features of a bank’s net banking facility. The IOB net banking allows transfer of funds within the bank (between a person’s own accounts or third party account) or to another bank (own account or third party account).

The process of transfer through the net banking feature is detailed below.

  • The user has to successfully login to the net banking account with the user id and the password to initiate the transfer of funds to any account.
  • The user can transfer funds to an account only if that account is already added as a beneficiary. The net banking account has a cooling period after adding a new payee and funds transfer can be effected only after such cooling period is finished.
  • After logging in to the net banking account the user has to click on ‘remittances’
  • Thereafter, the user will have to choose ‘funds transfer’ and click on ‘Other Bank-NEFT and then ‘Proceed’.
  • The user will have to input the details of the account from where the funds have to be transferred as well as the account to which the funds have to be transferred along with the amount of such transfer and then click on ‘proceed’
  • The user will then have to enter the PIN to authenticate the fund transfer and choose the ‘transfer funds’ option.
  • The user will then be asked to enter the OTP which will be sent to the registered mobile number of the user.
  • Upon validating the transaction with the OTP entered, the transfer will be processed and the user will get a confirmation for the same along with the transaction details like transaction number, date of transfer, payee details, etc.

Payment of Credit Card Bill via IOB Net Banking

The net banking portal of IOB can be used by the user to make payment of credit card dues of any bank. The process of such payment is mentioned here.

The user will first have to log into the net banking portal and add the credit card as a beneficiary/payee for funds transfer. Once the credit card added as beneficiary is activated after the cooling off period, the user can make the payment for the credit card bill.

  • After logging into the net banking account, the user will have to go to the funds transfer section and choose the NEFT option to process the transfer.
  • The user will be required to fill the following information correctly
    • Name of destination bank
    • IFSC code
    • Name of destination branch
    • Destination account number (16 digit credit card number)
    • Amount to be transferred (paid)
    • Transaction code
  • The user will then have to confirm the filled in details on the next page.
  • The user will also have to fill in the registered mobile number to receive the OTP.
  • The transfer will have to be authenticated by submitting the received OTP.
  • Once the transfer is validated, the user will receive a confirmation message for the same.

IOB Net Banking Customer Care

The customers of IOB can contact the bank for any of the queries or concerns that they may have with regards to the net banking facility or register any complaint, give their feedback by contacting the customer service of the bank which is available 24x7. The customer service of the bank can be reached through various means given below.

  • Toll free number – 1800 425 4445
  • Other Number - +91 44 28524212
  • Customer service Department - 044-28519568, 044-28591029, 044-28525496, 044-28587353
  • Email Ids –
UPI/BHIM related issues+91 44 28524212/1800 425 4445upihelp[at]iob[dot]in
IMPS related issues+91 44 28524212/1800 425 4445impshelp[at]iob[dot]in
NEFT/RTGS related issues044-2888 9397/044 2858 896rtgscell[at]iobnet[dot]co[dot]in
Internet Banking/Mobile Banking related issues044-2888 9350/044 2888 9338eseeadmin[at]iobnet[dot]co[dot]in

Postal Address – Central Office

763 Anna Salai,

Chennai – 600002

Phone - +91 044 2852 4212

What Are The Advantages Of IOB Netbanking?

The advantages of Indian Overseas Bank Netbanking are as follows:

  • 24/7/365 availability: The netbanking services are available throughout the year. You can use most of the services provided at any time.
  • Easy To Operate: Using the services offered by IOB Bank net banking is simple and convenient. Many find transacting online more viable than visiting the branch for the same.
  • Convenience: Going to the bank’s branch may not be feasible all the time. You can do your transactions from wherever you are. You can pay utility bills, recurring deposit account installments, transfer funds, and check your account balance using netbanking any time.
  • Time Efficient: You can complete any transaction instantly (maybe just a matter of a few minutes) through internet banking. Funds can be transferred to any account within the country or you can open a fixed deposit account instantly using netbanking.
  • Activity Tracking: When you do a transaction at IOB’s branch, you will get a receipt for acknowledgement. You may misplace or lose this. But net banking transactions will be recorded on the portal. You can show this as proof for the transaction. Information such as the payee’s name, the amount paid, bank account number, the date and time of payment, and remarks if any will also be recorded.

Disadvantages of Indian Overseas Bank Netbanking

The disadvantages of IOB netbanking include:

  • It does not ensure complete safety like banks which offer secure web pages to conduct their business transactions.
  • Online banking may take time for new customers to get used to. Customers have to spend valuable time understanding how to use netbanking.
  • Netbanking is susceptible to frauds since hackers pilfer private financial data online.
  • Rural areas have limited options for internet usage. So, people in rural areas may find it difficult to use the online banking option for fund transactions.

FAQS of IOB Netbanking

1. What is the daily limit in Indian Overseas Bank Netbanking?

The daily limit can be updated channel-wise within Indian Overseas Bank transfers, NEFT/IMPS transactions, and eCommerce transactions by the customer himself subject to a ceiling of Rs. 200000.

2. How can I activate Netbanking in Indian Overseas Banks?

First, you have to login to If you are an individual or a proprietary firm, you have to click on register individual. Else, you have to click on register corporate. Post registration, you have to submit the application forms to the branch that holds your account.

3. What is the daily limit in IOB Netbanking?

The daily limit can be updated according to channels within Indian Overseas Bank netbanking transfers, eCommerce transactions by the customer himself subject to the ceiling of Rs. 200000, and NEFT/IMPS transactions.

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