7 Ways To Check Bank Account Balance in 2025 -Missed Call, SMS, UPI & More

Let’s admit it — checking your bank balance is like checking your exam result. You want to look, but you’re afraid of what you’ll see. 😅

But don’t worry! Today, checking your account balance is easier than ever — and you don’t need to visit the bank or even have internet in some cases!

In this complete guide, we’ll cover all the methods to check your bank account balance using:

• ✅ Missed call numbers
• ✅ SMS banking
• ✅ UPI apps like GPay & PhonePe
• ✅ ATM
• ✅ Net banking
• ✅ USSD codes (for non-internet users)
• ✅ Bank Passbook

Why Checking Your Balance Matters

Before we dive into the how, let’s talk about the why:
✅ Avoid overdraft fees (no more embarrassing “card declined” moments).
✅ Track spending (because ₹500 does disappear magically).
✅ Detect fraud early (if your money’s moving without you, that’s a red flag!).

Now, let’s explore the 7 best ways to check bank account balance—from high-tech to no-tech methods

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1. Account Bank Balance Check by Missed Call 📞 (Fast & Free)

This is the easiest and most popular method to check your bank balance. Every major Indian bank offers a toll-free missed call number. Just give it a ring from your registered mobile number, and you’ll get your balance via SMS.

🧠 Pro Tip: Save your bank’s missed call number as a contact like “💰 Account Balance Check – HDFC”.

Here’s a full table of all Indian banks with their missed call balance enquiry numbers:

All Bank Account Balance Check Numbers (2025)

SR. No.	BANK NAME	MISSED CALL NUMBER
1	Allahabad Bank	09224150150
2	Andhra Bank	09223011300
3	Axis Bank	18004195959
4	Bandhan Bank	18002588181
5	Bank Of Baroda	09223011311
6	Bank Of India	09015135135
7	Bank of Maharashtra	18002334526
8	Bharatiya Mahila Bank	09212438888
9	Canara Bank	09015483483
10	Catholic Syrian Bank	09895923000
11	Central Bank Of India	09222250000
12	Citibank	09880752484
13	City Union Bank	9278177444
14	Corporation Bank	09268892688
15	DCB Bank	07506660011
16	Dena Bank	09289356677
17	Deutsche Bank	18602666601
18	Dhanlaxmi Bank	08067747700
19	Federal Bank	08431900900
20	HDFC Bank	18002703333
21	ICICI Bank	02230256767
22	IDBI Bank	18008431122
23	IDFC First Bank	9555555555
24	Indian Bank	09289592895
25	Indian Overseas Bank	04442220004
26	IndusInd Bank	18002741000
27	Karnataka Bank	18004251445
28	Karur Vysya Bank	09266292666
29	Kerala Gramin Bank	9015800400
30	Kotak Mahindra Bank	18002740110
31	Nainital Bank	18001804031
32	Punjab National Bank	18001802222
33	Punjab Sind Bank	1800221908
34	RBL Bank	18004190610
35	Saraswat Bank	09223040000
36	South Indian Bank	09223008488
37	State Bank Of India	09223766666
38	Syndicate Bank	09664552255
39	Tamilnad Mercantile Bank Limited	09211937373
40	UCO Bank	09278792787
41	Union Bank Of India	09223008586
42	United Bank Of India	18001802223
43	Vijaya Bank	18002665555
44	Yes Bank	09223920000

📌 Best for: Quick checks | ❌ Worst for: Non-registered numbers

2. Check Bank Balance by SMS (Simple & Effective)

If you don’t like calling (or can’t tolerate hearing “All our agents are currently busy…”), try the SMS method. Almost every bank lets you send an SMS from your registered mobile number to check your balance.

📩 Example:

• SBI – SMS BAL to 9223766666
• BOB – SMS BAL <Last 4 digits> to 8422009988

✅ Best for: Feature phones | ❌ Worst for: Those who hate typing

3. Account Balance Check via Net Banking

Old but gold, net banking is still one of the most complete ways to manage your account.

Steps:

1. Go to your bank’s official net banking site
2. Log in with User ID and Password
3. Go to “Account Summary” to view your account balance

👉 Works well if you also want to download a mini statement or do some transactions online.

4. Check Balance via UPI Apps (Google Pay, PhonePe, etc.)

This method is Gen Z approved. 😎

Almost all UPI apps allow balance check. You just need to have your bank account linked.

Steps for Google Pay / PhonePe / Paytm:

1. Open the app
2. Go to Bank Account
3. Tap on Check Balance
4. Enter UPI PIN — and done!

5. Use ATM to Check Bank Balance (Old But Gold)

If you’re near an ATM, you can still check your balance in under 60 seconds.

How:

1. Insert your ATM card
2. Choose Balance Enquiry
3. Enter PIN, and your balance shows on screen

Simple, secure, and still works for all.

Best for: Cash withdrawals + balance check combo | ❌ Worst for: People who avoid ATM fees

6. Check Balance Without Internet (USSD Code Method)

Using a feature phone or facing poor network? Try USSD codes!

Just Dial:

*99# and follow on-screen menu

This method works even without mobile data or Wi-Fi.

7. Passbook Update (For Traditionalists)

How to Check Balance Without Phone/Internet

1. Visit your bank branch.
2. Request a passbook update.
3. Get a physical record of all transactions.

📌 Best for: Older generations | ❌ Worst for: Anyone in a hurry

Final Words

You no longer need to stand in queues or call your bank’s customer care and wait forever. With so many easy methods to check your bank balance, you can always stay informed — and avoid those “insufficient balance” surprises. 😅

Try them out and tell us in the comments: Which method do YOU use the most?

🤔 FAQ – People Also Ask

Q. What is the missed call number for SBI balance check?
📞 9223766666

Q: How can I check my bank balance without internet?
✅ Best methods:

• Missed call banking (Call your bank’s number & hang up)
• SMS banking (Text “BAL” to your bank’s shortcode)
• ATM balance enquiry (Use your debit card)

Q3: Can I check my balance via WhatsApp?
🤖 Yes! Some banks like SBI, HDFC, and ICICI offer WhatsApp banking:

• For Example Send “Hi” to the SBI bank WhatsApp number
• Follow prompts to check balance

Q4: Why is my account balance not updating?
🔍 Common reasons:

• Pending transactions (wait 24-48 hrs)
• Bank server issues (try again later)
• Technical glitch (contact customer care)

Q5: How to check balance if I lost my phone?
📞 Alternate methods:

1. ATM (Use debit card)
2. Internet banking (From another device)
3. Branch visit (Carry ID proof)

 Q. How to check account balance using Aadhaar?
You can use Aadhaar-enabled Payment Systems (AePS) at micro-ATMs or local CSPs.