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IOB Mobile Banking App: A Secure and Convenient Way to Bank Online



How to Download IOB Mobile Banking App




If you are a customer of Indian Overseas Bank (IOB), you can enjoy the convenience of banking on your smartphone with the IOB Mobile Banking app. This app allows you to access various banking services and features anytime, anywhere. In this article, we will guide you on how to download, register, and use the IOB Mobile Banking app.




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What is IOB Mobile Banking App?




IOB Mobile Banking app is a next-generation mobile banking solution offered by IOB. It aims to be the bank in the customers' pocket with a whole new and exciting range of services and features, taking complete advantage of the latest technology in the market.


Features of IOB Mobile Banking App




Some of the features of the IOB Mobile Banking app are:


  • User-friendly interface with touch screen UI support



  • Balance inquiry and mini statement



  • Intrabank funds transfer (mobile to mobile, mobile to account)



  • NEFT, RTGS, IMPS funds transfer



  • Quick payment, pay later, standing instructions, loan payment



  • Debit card services (apply, upgrade, replace, block, unblock, manage channel and limit, pin set/reset/change)



  • Credit card payment



  • Cheque book request and stop payment of cheque



  • Mobile recharge and utility/bbps bill payment (electricity, landline, dth, gas bill etc.)



  • Term loan payment



  • Apply IPO (ASBA) through mobile banking



  • UPI - scan and pay facility



  • Nippon mutual fund application



  • AGRI - mandi price view and weather report



  • Insurance services (coming soon)



Benefits of IOB Mobile Banking App




Some of the benefits of using the IOB Mobile Banking app are:


  • You can bank anytime, anywhere at your convenience



  • You can save time and money by avoiding branch visits and transaction charges



  • You can enjoy a secure and hassle-free banking experience with dual authentication and sim binding



  • You can access a wide range of banking products and services with a few taps on your phone



  • You can get instant updates and alerts on your account activities and transactions



  • You can manage your debit card and transaction limits as per your preference



How to Register for IOB Mobile Banking App?




To use the IOB Mobile Banking app, you need to register for it first. You can register for it through two ways:


Through Branch




You can visit your nearest IOB branch and submit the duly filled application form for mobile banking registration. You will then receive your mobile banking login ID and password from the branch. You can then download the app and use these credentials to login.


Through Internet Banking




If you have internet banking access, you can register for mobile banking online. You need to login to the internet banking portal with your login ID and password. Under the 'mobile banking' section, click on 'application link'. Fill in the application details and submit it. You will then receive your mobile banking login ID and password through SMS. You can then download the app and use these credentials to login.


How to Download and Install IOB Mobile Banking App?




Once you have registered for mobile banking, you can download and install the IOB Mobile Banking app on your smartphone. The app is available for both Android and iOS users.


For Android Users




If you have an Android phone, you can follow these steps to download and install the app:


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  • Go to the Google Play Store on your phone and search for 'IOB Mobile Banking'



  • Select the app with the IOB logo and tap on 'Install'



  • Wait for the app to download and install on your phone



  • Open the app and accept the terms and conditions



  • Enter your mobile banking login ID and password and tap on 'Login'



  • You will receive an OTP on your registered mobile number. Enter the OTP and tap on 'Submit'



  • You will be asked to set a 4-digit passcode or enable biometric authentication for future login



  • You will also be asked to select a security question and answer for password recovery



  • You have successfully downloaded and installed the IOB Mobile Banking app on your Android phone



For iOS Users




If you have an iPhone, you can follow these steps to download and install the app:


  • Go to the App Store on your phone and search for 'IOB Mobile Banking'



  • Select the app with the IOB logo and tap on 'Get'



  • Wait for the app to download and install on your phone



  • Open the app and accept the terms and conditions



  • Enter your mobile banking login ID and password and tap on 'Login'



  • You will receive an OTP on your registered mobile number. Enter the OTP and tap on 'Submit'



  • You will be asked to set a 4-digit passcode or enable biometric authentication for future login



  • You will also be asked to select a security question and answer for password recovery



  • You have successfully downloaded and installed the IOB Mobile Banking app on your iPhone



How to Login and Use IOB Mobile Banking App?




After downloading and installing the app, you can login and use it to access various banking services and features.


Login with Passcode or Biometrics




To login to the app, you need to enter your 4-digit passcode or use your fingerprint or face ID (if enabled). You can also change your passcode or biometrics settings from the app settings menu.


Access Various Services and Features




Once you login, you can access various services and features from the app dashboard. You can view your account balance, transaction history, debit card details, loan details, etc. You can also transfer funds, pay bills, recharge mobile, apply for debit card, stop cheque, etc. You can also access other services like UPI, mutual fund, mandi price, weather report, etc. from the app menu. You can also customize your dashboard by adding or removing widgets as per your preference.


How Secure is IOB Mobile Banking App?




The IOB Mobile Banking app is designed with high security standards to ensure a safe and secure banking experience for its users. Some of the security features of the app are:


SIM Binding and Dual Authentication




The app is bound with your registered mobile number and SIM card. If you change your SIM card or mobile number, you need to re-register for mobile banking. The app also uses dual authentication with login ID/password and OTP/passcode/biometrics for every login.


Manage Debit Card and Transaction Limits




You can manage your debit card settings from the app. You can apply, upgrade, replace, block, unblock, set pin, change pin, etc. for your debit card. You can also manage your channel (ATM/POS/e-commerce) and transaction limits (per day/per transaction) for your debit card.


How to Contact IOB Mobile Banking Customer Support?




If you face any issues or queries related to mobile banking, you can contact the IOB Mobile Banking customer support through various channels.


Raise Complaint through Application




You can raise a complaint or feedback through the application itself. You need to go to the 'Complaints' section in the app menu and select the type of complaint or feedback. You can then fill in the details and submit it. You will receive a complaint reference number and a resolution within 7 working days.


Call Helpline or Email Support




You can also call the IOB Mobile Banking helpline number 1800 425 4445 (toll free) or email to mhelpdesk@iobnet.co.in for any assistance or queries related to mobile banking. The helpline is available 24x7 and the email support is available from 9 am to 6 pm on all working days.


Conclusion




IOB Mobile Banking app is a convenient and secure way to access your IOB account and perform various banking transactions on your smartphone. You can download, register, and use the app easily by following the steps mentioned in this article. You can also contact the customer support if you face any issues or queries. So, what are you waiting for? Download the IOB Mobile Banking app today and enjoy the benefits of banking on your fingertips.


FAQs




Here are some of the frequently asked questions about IOB Mobile Banking app:


Q: Is IOB Mobile Banking app free to download and use?


  • A: Yes, IOB Mobile Banking app is free to download and use. However, you may incur data charges as per your mobile network operator.



Q: Can I use IOB Mobile Banking app on multiple devices?


  • A: No, you can use IOB Mobile Banking app on only one device at a time. If you want to use it on another device, you need to deregister from the previous device and register again on the new device.



Q: What if I forget my mobile banking login ID or password?


  • A: If you forget your mobile banking login ID or password, you can reset it from the app itself. You need to go to the 'Forgot Login ID/Password' option on the login screen and enter your registered mobile number and OTP. You can then set a new login ID or password.



Q: What if I lose my phone or SIM card?


  • A: If you lose your phone or SIM card, you should immediately block your mobile banking access by calling the helpline number 1800 425 4445 or emailing to mhelpdesk@iobnet.co.in. You can also block your debit card from the app if you have another device with the same mobile number.



Q: How can I update my personal details like email id, address, etc. through mobile banking?


  • A: You can update your personal details like email id, address, etc. through mobile banking by going to the 'Profile' section in the app menu and selecting the 'Update Profile' option. You can then edit your details and submit them for verification.



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