Indian Overseas Bank Mobile Banking

1. Compatible with UPI: IOB Connect is fully compatible with all the UPI including their ‘Lite’ versions.  

1. Comprehensive Fund Transfer Module: The fund transfer module of IOB Connect offers all services like IMPS, RTGS, Intra Bank, and NEFT. 

1. Consolidated Tracking Feature: This mobile application allows you to add multiple accounts, this ensures that you can track them at one place. 

1. Multiple Facilities: Through IOB connect, you can manage all your debit card related requirements, can renew or withdraw a fixed deposit, get account statements, enable or disable AePS transactions, add nominee for your account, and set auto payment instructions.  

Features of the IOB Mobile Banking Application ‘IOB Connect’: 

The features of the IOB Connect are as listed below: 

1. User-Friendly: The mobile banking application offered by the Indian Overseas Bank has a simplified registration process and is easy to use. 

1. Secure: IOB Connect is a secure platform that requires a password to complete transactions. The app also offers biometric security features such as fingerprints, ensuring that only authorized users can access and perform sensitive banking activities. 

1. 24/7 Availability: This mobile application allows you to use facilities and complete transactions round the clock, throughout the year. 

1. Quick Processing: You can quickly transfer funds, schedule payments, avail loans, using IOB Connect. 

1. SOS Feature: IOB Connect also allows you to perform emergency activities like blocking UPI, blocking debit card, account freeze, stop cheque, etc.  

Services offered under the IOB mobile banking service:

The below-listed are the services offered under the IOB mobile banking services: 

1. Balance enquiry
2. Get account statements 
   
3. Transfer funds within the bank
4. Transfer funds to other accounts using NEFT and IMPS fund transfer method
5. Foreign inward remittance
6. Pay phone/DTH/electricity/broadband bills
7. Generate MMID
8. Retrieve MMID
9. Cancel MMID
10. Recharge the phone
11. Check cheque status
12. Renew, close or open deposits 

1. Credit card payments 

1. Enabling or disabling AePS transactions 

1. Add nominee to your accounts 

Fund Transfer Limit for IOB Mobile Banking: 

The below-listed are the fund transfer limits for IOB mobile banking: 

Note: The above-listed transaction limits are as on 29 July 2025 and are subject to change at the discretion of the bank. 

How to Self-Register on the ‘IOB Connect’ Mobile Application? 

Follow the steps given below to self-register on the ‘IOB Connect’ mobile application:  

Step 1: You need to install the IOB Mobile Banking app from the Google Play Store or Apple Store. You can register on your own through the app.  

Step 2: Select the SIM that is registered with the bank account and proceed. Do ensure the SIM has sufficient SMS balance, as SIM binding will take place during this step. 

Step 3: Once SIM binding is successful, you will have to enter your ‘Account Number’ or ‘Customer ID’ to continue. 

Step 4: After registration is confirmed, you will have to set a 6-digit App Passcode for secure login. 

Step 5: Select your Primary Account and choose whether to enable fund transfer. If opted in, set your MPIN using either active debit card details or Aadhaar OTP. 

Once the registration is complete, your IOB mobile application is ready for use.