Indian Overseas Bank Mobile Banking

Last Updated : May 5, 2025, 1:15 p.m.

Indian Overseas Bank Mobile Banking offers a secure and user-friendly digital platform that enables customers to access a wide range of banking services using their smartphones. Through its official mobile app, IOBMobile, the bank provides 24x7 access to essential banking features anytime, anywhere.

The app is designed to minimize branch visits and maximize convenience, offering services such as fund transfers, UPI payments, balance enquiries, bill payments, and card management—all from the palm of your hand.

Read on to know more about the Indian Overseas Bank mobile banking and how you can use it to make banking easier and hassle free!

Types of Indian Overseas Bank Mobile Banking

Below are the types of Indian Overseas Bank mobile banking available and their key features.

Indian Overseas Bank Mobile Banking Registration

You can register for Indian Overseas Bank mobile banking services using the steps below -

Step 1: Download the IOBMobile App

• Go to the Google Play Store or Apple App Store.
  
• Search for “IOBMobile” and download the app published by Indian Overseas Bank.

Step 2: Start Registration

1. Open the IOBMobile app.
   
2. Tap on “Register” or “New User Registration.”
   
3. Enter your registered mobile number (linked to your IOB account).
   
4. An OTP will be sent—enter it to verify your mobile number.

Step 3: Account Authentication

• Enter your IOB account number.
  
• Provide Debit Card details (card number, expiry date, and ATM PIN).
  
• Confirm using OTP or ATM PIN as prompted.

Step 4: Set Login Credentials

• Set a Login Password (for app login).
  
• Create a 4-digit MPIN (used for transactions).

Step 5: Successful Registration

You can now:

• Log in using your password or fingerprint.
  
• Access services like balance check, transfers, and bill payments.

You can also register by Visiting Bank Branch

Step 1: Download IOB mobile banking registration form from the official Indian Overseas Bank website

Step 2: Enter all the required information

Step 3: Visit the nearest Indian Overseas Bank branch

Step 4: Submit the registration form and follow the procedure and Indian Overseas Bank Mobile Banking will be enabled for that specific account.

Visiting an IOB ATM can also be a way to register for mobile banking

Account-holders can also register for IOB Mobile Banking by visiting the nearest Indian Overseas Bank ATM. Account-holders will be required to follow the steps mentioned below –

Step 1: Enter the Indian Overseas Bank Debit Card and enter the debit card PIN

Step 2: Tap on “Other Services”

Step 3: Tap on “Mobile Banking Registration by using Debit Card” and follow enter the required information for successful registration.

Process to Login Indian Overseas Bank Mobile Banking App

To login to Indian Overseas Bank mobile banking application, follow the steps below -

Step 1: Open the App

• Tap the IOBMobile icon on your smartphone.

Step 2: Enter Login Credentials

• Enter your Login Password set during registration.
  
• Or use Biometric Login (Fingerprint/Face ID) if previously enabled.

Step 3: Enter MPIN for Transactions

• For any financial transactions (like fund transfer, bill payment), you’ll be asked to enter your 4-digit MPIN.

Step 4: Access the Dashboard

• After logging in, you’ll reach the dashboard, where you can:
  
  • View balance and mini statements
    
  • Transfer funds (IMPS/NEFT)
    
  • Use UPI services
    
  • Pay bills, recharge, and more

Benefits of Indian Overseas Bank Mobile Banking

Some of the benefits of IOB mobile banking are as follows -

• Access your account 24/7 from anywhere using your smartphone, eliminating the need to visit a branch or ATM for routine transactions.
• Perform various tasks like balance inquiries, mini statements, fund transfers (within IOB, IMPS, NEFT), bill payments, mobile recharges, and chequebook requests directly from the app.
• Quick transactions and real-time updates, such as instant balance checks or fund transfers, save time compared to traditional banking methods.
• The app uses advanced security features like MPIN, biometric authentication (fingerprint/face ID), and encryption to ensure safe banking.
• View and track your transaction history digitally with the m-Passbook feature, reducing the need for physical passbook updates.
• Offers voice-assisted banking for select services, enhancing accessibility for visually impaired users or those preferring voice commands.
• Most services are free or have minimal charges, and mobile banking reduces costs associated with branch visits or paper-based transactions.

Uses of Indian Overseas Bank Mobile Banking App

The uses of IOB mobile banking for different purposes are -

How to Reset the Password of Indian Overseas Bank Mobile Banking?

To reset the password (MPIN) for Indian Overseas Bank (IOB) mobile banking using the IOBMobile app, follow these steps:

1. Open the IOBMobile App: Launch the IOBMobile app on your smartphone.
2. Select 'Forgot MPIN': On the login screen, tap the “Forgot MPIN” or “Reset MPIN” option.
3. Enter Details:
   • Input your Customer ID or Account Number (found in your passbook or bank statement).
   • Ensure you’re using the registered mobile number linked to your IOB account, as an OTP will be sent for verification.
4. Verify OTP: Enter the One-Time Password (OTP) received on your registered mobile number to authenticate your identity.
5. Set New MPIN: Create a new 4-digit Mobile Personal Identification Number (MPIN) and confirm it. This will be used for logging into the app.
6. Confirmation: After successful submission, you’ll receive a confirmation message or SMS indicating the MPIN has been reset.

Indian Overseas Bank Mobile Banking Transaction Limit

The transaction limits for IOB mobile banking are as follows -