HomeBankingIOB Net Banking: Login and Registration Process

IOB Net Banking: Login and Registration Process

Indian Overseas Bank, also known as IOB, is one of the leading banks in India offering online banking services to customers. The IOB net banking allows customers to perform various banking activities from their mobile or computer without visiting the bank. Customer can manage their account, pay bills, and transfer funds from the IOB internet banking.

Here, we will explain the details of IOB net banking, registration, login, and its features. IOB net banking corporate login, etc.

Also read: Union Bank of India Net banking: Registration, Login Process

IOB Net Banking Services

The Indian Overseas Bank net banking services offered are mentioned below:

  • Balance inquiry
  • Fund transfer
  • Mini statement
  • NEFT, IMPS, etc.
  • Foreign inward remittance
  • Pay utility bills such as mobile bills, electricity bills, etc.
  • Cheque tracking and other payment status.

How to Register for IOB Net Banking?

There are various ways for IOB net banking registration. Follow the steps below for each mode:

1. Using OTP

Use the OTP method for IOB net banking registration by following the steps below:

  • Visit the official website for Indian Overseas Bank net banking.
  • Press the “New User Registration” option you will find on the homepage.
  • Now, provide the personal and financial details as mentioned on the page.
  • Set the login password and transaction PIN to remember it easily.
  • After this, you will get the OTP on your registered mobile number. Enter this OTP in the space provided.
  • Your IOB registration Process is complete.
IOB Net Banking Registration
IOB Net Banking Registration

2. Using Welcome Kit

When you open a savings account with IOB, the bank will provide you an Internet banking login ID and Password under the welcome kit. The registration process is mentioned below: 

  • Visit the official site of the IOB and click on the “Internet banking” option that you will find on the homepage.
  • Now, click “Continue” on the customer awareness page.
  • It will automatically redirect you to the “Individual Login” option.
  • Press on the “Register” option that you will see on your screen.
  • Enter the ID for login and the password that you can remember easily.
  • Re-enter the password to confirm.
  • You must enter the necessary details on the page and click “Submit.”
  • You also have the option to press the “Reset” button if you wish to change the details that you have provided.

3. Using ATM

If you have an IOB ATM, you can easily register for IOB net banking by following the steps below:

  • Go to the nearest ATM in IOB and insert the ATM card.
  • Now, enter your ATM PIN and click on the “Other service” option from the menu.
  • Click on the “mobile banking registration” option on the screen.
  • Follow the instructions carefully that are provided on the screen to complete the registration Process.

4. Using Phone Banking

You can also do IOB internet banking registration via phone banking. The steps are mentioned below:

  • Call 18004254445 to get answers to your queries.
  • Provide your customer ID number or telephone ID Number, or verify your bank account number.
  • The customer executive will consider your request for IOB net banking registration.
  • You will receive a net banking password to your address by postal services.

5. Through the Bank Branch

You can also visit the IOB branch to get IOB internet banking registration. Follow the steps below:

  • Visit your IOB branch and ask the executive for the IOB net banking registration paperwork.
  • Fill out the form carefully and give it to the executive.
  • You will receive an SMS containing the user ID and Password for IOB login on the registered mobile number.
  • You will also receive the Login ID and password details at your address via post within 10 days after you apply at the branch.
  • Your account is ready for IOB internet banking login.

IOB Net Banking Login Process

The user can log in IOB banking account using the steps below:

  • Visit the official IOB e-banking website.
  • Select ‘Personal Banking’
  • Now, select ‘Internet banking Login’.
IOB Net Banking Login
IOB Net Banking Login
  • Input your user ID correctly in the space provided.
  • Input your IOB internet banking login password and security questions.
  • Answer the security question carefully.
  • Now, you have successfully logged into the IOB net baking portal. You can enjoy the services.
  • Please seek the IOB customer services if you face any issues.

IOB Net Banking Corporate Login

If you wish to set up an account for IOB Net Banking corporate, it is straightforward. Follow the steps below:

  • GO to IOB netbanking official website.
  • Click on “Log in.”
  • Choose “Internet banking Corporate login.”
IOB Net Banking Corporate Login
  • Enter your Login ID, password, and Captcha text.
  • Click “Login”. Your IOB net banking corporate account is ready to use.

How to Reset the IOB Net Banking Password?

It’s easy to reset the net banking password. Follow the steps mentioned here:

  • Open the Indian Overseas Bank’s official website.
  • Click on “Personal banking” or “Corporate banking”.
  • Select the option for “Forgot password.”
Reset IOB Net Banking Password
Reset IOB Net Banking Password
  • Enter login ID and account number.
  • Click on “Submit”.
  • Now, provide your Email ID and captcha code.
  • Click “Continue” and enter the OTP received on the registered mobile number.
  • Set a new password and confirm it.
  • Click on the “Submit” button.
  • Your new password is generated and active to use.

How to Fund Transfer using IOB Net Banking?

IOB (Indian Overseas Bank) net banking allows customers to transfer funds from one account to another with a few clicks on their mobile screens. Here are the steps to follow:

  • Login to the IOB online net banking account using your ID and Password.
  • Go to “Payment” and click the “Fund Transfer” option.
  • Here, you will see many options for fund transfer, such as “Transfer within IOB accounts,” “Transfer to self,” and “Transfer to other bank accounts.”
  • Choose the desired option.
  • Fill in the details in the required fields, such as the beneficiary’s account number, amount, IFSC code, etc.
  • Now, click on the “Transfer” option.
  • Enter the OTP you received on your registered mobile number.
  • Congratulations! Funds are transferred successfully, and you will receive the confirmation message on your mobile.

Also read: AirtelTez Login Portal, Airtel Payment Bank Retailer Login

How to Pay Credit Card Bills Using IOB Net Banking?

Now, paying the credit card bill is easy using net banking. Follow the guide below:

  • Login to the IOB online net banking portal.
  • Select “IOB Cards”.
  • Choose “IOB credit cards”.
  • Click “Register card.”
  • Input your credit card details and click on “Confirm”.

Wait for the confirmation message for your IOB credit card registration. Once you receive the confirmation, you can pay the bill by following the steps below:

  • Login to IOB netbanking
  • Go to IOB card, select IOB credit card, and click on “Make Payment”.
  • Select the account.
  • Input the amount you wish to pay and click on “proceed”. Your payment is made.

Features of IOB Net Banking

The IOB bank offers various amazing features and services under Internet banking. Let’s have a look at features of IOB banking:

1. Account details

IOB net banking allows customers to check their account balance, transaction history, and statements using mobile and active internet connections.

2. Fund transfer

You can transfer funds from your account to another using IOB internet banking. It also allows you to conduct interbank transfers and send the amount to the other IOB customer. You can also transfer money instantly using IMPS, NEFT, and RTGS on IOB internet banking.

3. Bill Payments

It’s easy to pay utility bills such as electricity bills, mobile recharges, etc, using the IOB net banking portal.

4. Online shopping

Safe and secure online shopping can be done using IOB banking because it offers a secure payment gateway for customers who love shopping online. You can make payments to various e-commerce platforms.

5. Fixed management (FD)

Customers can start a new FD account, renew existing and check the FD details using IOB net banking. You can also calculate the Interest the bank offers you on your FD using the FD calculator.

6. Loans

It’s easier for customers to check their loan status, outstanding payments, and other information on the IOB internet banking portal.

7. Investment

IOB net banking allows you to invest in various products such as Mutual funds, Government saving schemes, etc.

IOB Net Banking Customer Care

If you have any query regarding Indian Overseas Bank net banking, you can contact customer care at:

The toll–free number 1800 425 4445
Customer care department 044- 28519568044 – 28525496044 – 28587353

There are various customer care numbers that are used for different issues. These are mentioned in the table:

UPI or BHIM issues +91 44 285242121800 425 4445 upihelp@iob.in
NEFT or RTGS issues 044 – 2888 9397044 2858 896 rtgscell@iobnet.co.in
IMPS issues +91 44 285242121800 425 4445 impshelp@iob.in
Internet banking or mobile banking issues 044 – 2888 9350044 2888 9338 eseeadmin@iobnet.co.in

Headquarter address:

Central office

763 Anna Salai

Chennai – 600002

Ph. No – +91 044 2852 4212


IOB net banking is the best option for those customers who are too busy to visit the bank and are tech-savvy. The Indian overseas bank offers various services to customers under net banking, simplifying the baking for customers. They can quickly pay bills, access accounts, check balances, get transaction history, etc. while sitting at the home office.

IOB Net Banking – FAQs

How to activate an IOB account for online banking?

Ans. You can apply at your IOB branch; you will receive the email after your account activation. Laos, you can contact 044-28519460 / 28889350 for activation.

What can be issued if I am unable to access the IOB Netbanking?

Ans. Firstly, check whether your internet connection is working fine or not. Secondly, LAN or ISP is linked to the internet. If the issue is still unsolved, contact customer care.

Does the IOB charge for using internet baking?

Ans. No, there is no charge for using the IOB net banking services. However, you must go through all the rules and regulations of the bank before reaching any conclusion.

Is IOB Netbanking accessible on mobile?

Ans. Yes, you can use IOB net banking on your mobile. Download the application on your smartphone via the Play Store-log in using your ID and Password. You can use it anywhere, anytime.

Who is eligible for IOB net banking registration?

Ans. Anyone with savings or a current account in an Indian overseas bank can use IOB net banking. Individuals, proprietary firms, partnership firms, limited companies, societies, organizations, trusts, etc., holding a bank account in an Indian overseas bank are eligible to use IOB Netbanking.

Ajeet Sharma, the founder of Financegab and a well-known name in the field of financial blogging. Blogging since 2017, he has the expertise and excellent knowledge about personal finance. Financegab is all about personal finance which aims to create awareness among people about personal finance and help them to make smart, well-informed financial decisions.


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