Even though India is fast moving towards becoming a digital economy, not every Indian will have the internet facility on their mobile phones. Many citizens believe there should be an internet to conduct banking activities. But, there are some basic bank activities which can be done on your phone, without the internet facility. The banking activities which can be done with your mobile phone without the internet facility are checking the bank balance, transferring money and generating mini-statements.
In this blog, we will discuss how you can check your bank balance without an internet connection in your mobile phone. There are two ways to check your bank balance without internet connection in your mobile.
Today, almost all the banks provide the missed call facility to their customers, to check their bank balance and last 5 transactions. This service is very convenient for people who don't use internet banking as they don't have to visit an ATM each time they want to check their balance. If you cross the free transaction limit, you will be charged for checking your balance in other banks ATMs.
To check the balance, all you have to do is give a missed call to the number provided by your bank. Disconnect the call after 2 to 3 rings. After disconnecting the call, you will receive a message from your bank which contains your bank balance and last five transactions. You don't have to pay any money for availing this service.
To avail this service your phone number should be registered with the bank. In case your phone number is not registered, you will receive a message saying your phone number is not registered for this service.
You can find the toll-free number of your bank to avail this service by visiting the banks official website.
To make banking services available to the common man across India, National Payment Corporation of India (NPCI) had launched a USSD facility for GSM mobile subscribers. This system is hassle-free and there is no need to have internet connection on mobile phone.
The common code of *99# is not related to any service provider or to any particular bank. It is a common code for all the service providers and banks. You just have to dial this number from your phone and follow the instructions which come up on the screen. You need to provide some details to check your bank balance.
Main advantages of this service are it works on all kind of phones and it can be used to check the balance on all the days including Sundays.
1. This service can be used to transfer money by using bank account details of the beneficiary and IFSC code.
2. You can request for the mini statement of your bank account.
3. You can also send money using MMID and the mobile number of the beneficiary.
4. You can send money using Aadhaar card number of the beneficiary. For availing this service, bank account should be linked with Aadhaar card.
5. It can also be used to generate Mobile PIN or MPIN.