Everyone wants to check the balance of the bank and wants to
keep a track on their bank accounts. Smartphone, internet and bank systems have
made this process easy by proving the convenience of checking your bank account
online.
But in the case of those who do not have a smart phone or
internet connection?
Now you can see some other details of your bank account
without the bank's balance and internet.
Type # 1: Missed Call Facility To Know Your Bank's Balance
This is a very simple process by which you can easily check
bank balance without internet connection
How does this process work?
As I said earlier, this is a very simple process which will
be completed in only 2 steps.
• Dial 10 digit mobile number allocated to your bank (choose
from the list below.)
• After 2-3 rings, your call will be disconnected and you
will receive a message that will show you the balance of your bank and the mini
statement of last 5 transactions.
Or
• If your number is not registered in the bank, you will
receive an SMS which will show that your number is not registered with the bank
and will also include a way to register your mobile number.
List of banks and 10 digit contact numbers below that you
can use to know your bank balance and mini-statement. You can simply save the
respective number of your bank in your contact list and you can easily check
your balance.
Public sector banks and their contacts for missed call service:
Bank
name
|
Contact
number for missed call facility
|
Allahabad
bank
|
09224150150
|
Andhra
bank
|
09223011300
|
Bank of
Baroda
|
09223011311
|
Bhartiya
mahila bank
|
09212438888
|
Bank of
India
|
02233598548
|
Indian
bank
|
09289592895
|
IDBI
bank
|
18008431122
|
Canara
bank
|
09289292892
|
Central
bank of India
|
09222250000
|
For
balance: 09223766666
For mini-statement: 09223866666
|
|
Syndicate
bank
|
09664552255
|
Punjab
National bank
|
18001802222
|
Union
bank of India
|
09223009292
|
UCO
bank
|
09278792787
|
Vijaya
bank
|
18002665555
|
Private sector banks and their contacts for missed call service:
Bank
Name
|
Contact
number for missed call facility
|
Axis
bank
|
09225892258
|
Dhanalaxmi
bank
|
08067747700
|
Kotak
mahindra bank
|
18002740110
|
HDFC
bank
|
18002703333
|
ICICI
bank
|
02230256767
|
Karnataka
bank
|
18004251445
|
Yes
bank
|
09840909000
|
Some of the key features of this feature are given below:
1. This feature is totally free for everyone.
2. To avail this facility, your mobile number must be
registered with your bank account.
3. If you have more than one account, your newly opened
account will be treated as a default account and you will get the details of
that account in this facility. Although the default account can be changed.
4. These facilities are the same for all banks. However, the
process can be different in some banks.
Type # 2:Learn the balance of your bank account using * 99 #:
Code * 99 # is also called the USSD Code which is not
related to any particular mobile network service provider or any bank. This
facility is offered by NPCI for providing convenience to common people for easy
access to their bank account.
The steps given to check the bank balance using USSD * 99 #
are given below:
• Dial * 99 # from your mobile.
• Choose the option of bank balance from the list which will
be opened on your screen (which is probably 3 for all users).
• Then enter the name of your bank's 3 letter or the first 4
letters of your IFSC code.
Or
• If you are already registered then it can ask you a PIN.
• Enter 3 letters of the name of your bank (for example, SBN
is the 3-name for State Bank of India) or the first 4 letters of your IFSC code
(or the UPI PIN).
• Your account balance will be shown on your screen.
* 99 # Basic Features of the Service
This feature is a relief for those who can not access the
Internet at all times. This unique code has some basic features that you should
know if you are going to use it.
The facility of this USSD code is as follows:
1. This code works without internet.
2. No hidden charges or roaming charges applicable on the
use of this code.
3. It works on all types of mobile handsets in all GSM
service providers.
4. You can use this code 24/7, including holidays.
5. No need to download any app or activate any service on
your mobile phone.
What type of services will you get under * 99 #?
* 99 # is a USSD based mobile banking facility offered by
the NSCI, which brings together two diverse ecosystem partners i.e. banks and
telecom service providers.
In addition to balance inquiries, this banking system also
provides some other facilities that are listed below. Let's look at those
features.
• Send money using the beneficiary's IFSC code and bank
account number.
• Balance inquiry
• Mini Statement
• Generate or change MPIN or Mobile PIN
• Send money using the beneficiary's base number, which
should be linked to his bank account.
• Know your MMID
Send Money using Beneficiary's MMID and Mobile Number
The only difference between these two methods of mobile
banking is that, using the missed call service, you can only know your bank
balance and mini-statement.
On the other hand if you go for the USSD code service, you
can transfer money from your account to another account using your mobile
number and MMID or account number and IFSC code or even the base number.
This is an easy way and now you do not have to depend on
internet connection using this process, you can get your bank details wherever
you can go.
I hope you enjoyed the article. Do you think this feature is
useful or not? Leave your opinion in the comments section
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