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IOB Net Banking: Steps to Login and Registration

Do you have an account with Indian Overseas Bank? Have you activated Net Banking facilities? If not, you should activate the IOB net banking facilities to get more benefits. Today, in this digital world, banking services have been digitized, and it has become easier for clients to get access to services anytime without visiting a bank branch.

If you haven’t yet activated Indian Overseas Bank net Banking, you may get registered online and avail of the Internet banking services at IOB. You need to follow simple steps to get registered and IOB internet banking login. Here is a comprehensive guide for you on IOB Net Banking, services, features, benefits, net banking registration process, etc

What is IOB Net Banking?

Net banking is the modern digital banking service for lots of banks in India. The platform provides all banking services on user smart devices. It’s a quick, easy, and best way to transact money today. The Indian Overseas Bank is one of the top public banks in India, which offers Internet banking services for its clients.

Net Banking services are some of the services IOB offers, checking balances and paying credit card bills. There are more services from the Net banking system. However, clients who need to move from counter banking to IOB Net Banking, need to sign in to gather the proper credentials.

IOB Net Banking Services

The Indian Overseas Bank net banking services given to clients are

  • Balance inquiry: You can get the information of your account and check your balance online using net banking.
  • Fund transfer: You can easily transfer funds to other accounts within the bank or to their bank using the net banking feature. NEFT IMPS, etc. are also available.
  • Mini statement: The mini bank statement is easily available at the net banking of IOB. You can get it on your mobile. 
  • Foreign inward remittance: The foreign payments are released earlier without any unnecessary delay.
  • Pay bills such as online payments, active payments, and many others.
  • Cheque monitoring and other balance status.

Features of IOB Net Banking

Below are the important features of IOB Net Banking

  • Fund transfer: The bank enables customers to transfer funds between their bills, make online transfers, and send money to other IOB clients without problems through net banking
  • Easy access to account records: Customers can access their account information, such as stability inquiry, debit card data, cheque e-book information, etc., each time.
  • Investments options: Users can set up FDs & PPF accounts, and spend money on Mutual funds & other assets. You will also get assistance regarding your investments.
  • Loans facility: Users can set up loans, get access to their current loan details & make EMI bills.
  • Bills payments: Users pay their payments, and perform online purchases with IOB. You just need to click a few buttons and require an active internet connection to pay the bills easily.
  • Online Shopping: IOB Net banking allows you to shop online and make payments using a secure gateway. You can use the facility for shopping on various e-commerce sites.

IOB Net Banking Registration Process

All people who have their mobile numbers can follow the given steps to register themselves for IOB Net Banking.

  • Go to the official website of IOB bet banking.
  • Press the “New User Registration” option
  • There, you need to fill in the “required details” such as account number, mobile number, etc.
  • Now, set the login password and transaction password.
  • You’ll get an “OTP” on your registered mobile number, you need to enter it in the space provided.
  • You are registered, ow you can log in to the IOB net banking using the ID and Password.

IOB Net Banking Process

After IOB Net banking registration, the user can easily log in IOB Netbanking account using the following steps:

  • Visit the official IOB e-banking website.
  • Select “Personal Banking”.
  • Now, pick “IOB net banking login”.
  • Input your user ID effectively in a given field.
  • Input your Internet banking login password
  • Answer the safety question properly.
  • Now, you can complete your IOB Internet banking login and get net banking services

IOB Net Banking Corporate Login

If you want to set up an account for IOB Net Banking corporate, it is easy. For this, you should follow the given steps.

  1. GO to the IOB net banking website.
  2. Click on “Log in”.
  3. Choose “IOB corporate login.”
  4. Enter your IOB Internet banking login ID, password, and Captcha text.
  5. Click “IOB net banking login”. Your IOB net banking company account is ready to use.

How to Reset the IOB Net Banking Password?

IOB clients can reset their IOB Netbanking password by following the steps given below:

  • Visit the official site of the Indian Overseas Bank.
  • Select the “Personal” or “Corporate” login according to your account type.
  • Click on the “Forgot Password” option.
  • Enter the login ID and IOB account number. Click the ‘Submit’ button.
  • On the following page, enter the email identification and the text shown in the captcha code.
  • Click on the “Continue” option. Now, enter the OTP releases to the registered mobile number.
  • Enter the new password and verify it. Click on the ‘Submit’ option.

The new password generated will be the current password in your account.

How to Fund Transfer Through IOB Net Banking?

If you want to transfer funds by IOB Netbanking, here are the steps you should follow:

  • Log into IOB Net banking by using the user ID and password.
  • Click on the “Payment” option and the “Fund Transfer”.
  • Choose the desired option from “Transfer within IOB accounts” Transfer to self or other bank.
  • Enter the required details related to the beneficiary such as account number, amount, IFSC code, etc.
  • Press, the “Transfer” option.
  • You’ll get an OTP on your mobile number registered with the bank, enter in the space provided.
  • Your transaction is done successfully.

How to Check Balance Through IOB Net Banking?

You can also check your account balance using IOB Net Banking by following these steps.

  • Visit the official IOB Bank net site.
  • Go to your online bank account and log in.
  • Enter your IOB net banking corporate login ID and password.
  • Select Account and Verify Balance

Both the current balance of the account and your available balance will now be displayed.

How Can IOB Net Banking Be Used to Pay Credit Card Bills?

Now, paying credit card bills is easy by using IOB net banking. Here are the steps you should follow

  • 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 on your IOB internet banking registration. Once you get confirmation, you may pay the bill by following the steps given below.

  • Login to IOB net banking corporate
  • Go to the IOB card, choose the IOB credit score card, and click on “Make Payment”.
  • Select the account.
  • Input the amount you want to pay and click on “Continue”. Your payment is made.

Document Required for IOB Net Banking

While registering your account for IOB Netbanking services, here are several documents you should require:

  • Copy of your Bank Passbook
  • Copy of Aadhaar Card
  • Copy of Pan Card
  • Passport Size Photos

IOB Net Banking – Daily Limits and Charges

The minimum transaction limit keeps changing for NEFT, RTGS, and IMPS transactions. However, the maximum limit of daily transactions is ₹2,00,000. Following are the charges related to net banking at IOB:

Mode of Transfer For Amounts Below ₹10,000 ₹10,000 and ₹1 lakh ₹2 lakh and ₹5 lakh
NEFT ₹1 ₹3 ₹19
IMPS ₹2.50 ₹5 ₹15

Advantages of IOB Net Banking

The benefits of IOB net banking are as follows:

  • 24/7 availability: The IOB net banking corporate services are available during the year. You can use any net banking service anytime.
  • Easy To Operate: Using the services offered by  Iob Internet banking is straightforward and convenient. Many find transacting online easier than visiting the bank branch.  
  • Convenience: Going to the bank’s department won’t be possible all of the time. You can make your transactions from any place using IOB net banking services. You will pay online payments, make deposits in your account, fund transfers, and check account stability anytime by using net banking.
  • Time Efficient: You can complete any transaction immediately by net banking. Funds may be transferred to any account, or you can open a deposit account using IOB Net Banking.
  • Activity Tracking: When you do a transaction at IOB’s department, you’ll get an acknowledgment receipt. You may also misplace or lose this. However, net banking transactions may be recorded on the portal. You can show this as proof of the transaction. Information along with the payee’s name, the amount paid, bank account number, the date and time of the fee, etc, may also be recorded.


IOB Net Banking is the best facility for customers who are too busy to visit the bank and are tech-savvy. The Indian overseas bank offers numerous services to customers under net banking, simplifying the banking experience for clients. IOB net banking corporate services can make speedy payments, give them easier access to their accounts, check balances, get transaction records, etc, at their convenience

IOB Net Banking – FAQs

How do I sign in for IOB Net Banking?

Ans. To sign in for the net banking services of IOB, you need to go to the nearest IOB branch and fill out the IOB Internet banking registration form.

Are there any charges for using Indian Overseas Bank Net Banking?

Ans. No, Indian Overseas Bank does not possess any fees for availing of IOB Netbanking services.

What services can I access by IOB Online Banking?

Ans. The net banking services of IOB provide several services, along with checking account balances, fund transfers, bill payments, online loan applications, starting fixed deposits, and more.

Can I get access to IOB Online Banking from my mobile?

Ans. Yes, Indian Overseas Bank presents a committed mobile banking app for customers to access Net Banking services on their smartphones.

Can I transfer funds to money owed in other banks through IOB Net Banking?

Ans. Yes, Net Banking allows you to transfer funds to money owed held in different banks in India by various modes like NEFT, RTGS, and IMPS.



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