Managing your finances has never been easier! State Bank of India (SBI), India’s largest public sector bank, offers multiple convenient ways to check your account balance instantly—without visiting a branch or standing in long queues. Whether you prefer digital methods like missed calls, SMS, or mobile apps, or traditional approaches like ATMs and passbooks, SBI has you covered. Let’s explore every method to help you stay on top of your finances effortlessly.
Table of Contents
Quick Reference: SBI Balance Check Methods at a Glance
| Method | Contact Number/Details | Registration Required | Internet Needed | Charges |
|---|---|---|---|---|
| Missed Call | 09223766666 | Yes (One-time) | No | Free |
| SMS Balance | Send “BAL” to 09223766666 | Yes (One-time) | No | Standard SMS charges |
| Mini Statement | 09223866666 (Missed call/SMS) | Yes (One-time) | No | Free/SMS charges |
| WhatsApp Banking | 9022690226 | No | Yes | Data charges |
| YONO App | Download from Play Store/App Store | Yes | Yes | Free |
| Net Banking | Visit onlinesbi.sbi | Yes | Yes | Free |
| ATM | Any SBI ATM | No | No | Free |
| Toll-Free Number | 1800 1234 / 1800 11 2211 | No | No | Free |
| USSD Code | Dial *595# | Yes (One-time) | No | Free |
Method 1: SBI Balance Check Through Missed Call (Fastest Way!)
The SBI missed call banking service is the quickest method to check your account balance without internet. This revolutionary feature has transformed banking for millions of Indians who can now access their balance information within seconds.
How to Register for Missed Call Banking (One-Time Process)
Step 1: Send an SMS from your mobile number in the following format:
REG <space> Account Number
Send to: 09223488888
Example: REG 12345678901
Step 2: You’ll receive a confirmation message after successful registration.
How to Check Balance via Missed Call
Once registered, give a missed call to 09223766666 from your registered mobile number. The call will automatically disconnect after a few rings, and you’ll receive an SMS with your current account balance within seconds.
Pro Tip: To receive your mini statement (last 5 transactions), dial 09223866666 instead.
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Method 2: SBI Balance Check Through SMS
SMS banking is another convenient option where account holders can SMS “BAL” to 09223766666 from their registered mobile number for instant balance enquiry.
Registration Process
Step 1: Send the following SMS:
REG <space> Account Number
Send to: 9223488888
Step 2: Wait for the bank’s confirmation message.
Check Balance via SMS
Once registered, send:
BAL
Send to: 09223766666
You’ll receive your account balance via SMS immediately.
For Mini Statement: Send MSTMT to 09223866666
Note: Standard SMS charges apply as per your mobile operator’s plan.
Method 3: SBI Balance Check Through WhatsApp Banking
WhatsApp banking brings modern convenience to your fingertips! Here’s how:
Step 1: Save SBI’s WhatsApp number 9022690226 to your contacts.
Step 2: Send “Hi” to initiate the conversation.
Step 3: Select the “Get Balance” option from the automated menu.
Step 4: Your account balance will be sent instantly via WhatsApp.
Additional Services: You can also request mini statements, block ATM cards, find ATM/branch locations, and get customer care details—all through WhatsApp!
Discover more digital banking innovations at TechnoSports.
Method 4: SBI Balance Check Through Mobile Apps
SBI offers three powerful mobile banking apps, each designed for different user needs:
YONO SBI (Your Own Bank)
India’s most comprehensive digital banking app with over 100 million downloads!
How to Check Balance:
- Download YONO SBI from Play Store or App Store
- Log in using your mobile number and MPIN
- Click on “Accounts” on the homepage
- Your balance appears instantly on the screen
Bonus Features: Fund transfers, bill payments, shopping, investments, insurance, and loan applications—all in one app.
YONO Lite SBI
A lightweight version perfect for users with limited smartphone storage or slower internet connections.
How to Check Balance:
- Download and register with your net banking credentials
- Log in with your MPIN
- Click “View Balance”
- Balance displayed instantly
BHIM SBI Pay
UPI-focused app for quick payments and balance checks.
How to Check Balance:
- Open the app and log in with your PIN
- Select “View Balance” from the menu
- Enter your UPI PIN
- Balance displayed immediately
For reviews of the best banking apps and digital finance tools, check out TechnoSports.
Method 5: SBI Balance Check Through Net Banking
Online SBI (OnlineSBI) is the bank’s comprehensive internet banking portal offering full account management capabilities.
How to Check Balance Online
Step 1: Visit the official SBI Net Banking portal
Step 2: Enter your User ID and Password
Step 3: Click on “My Accounts & Profile” tab
Step 4: Select “Account Summary”
Step 5: Click “Click Here for Balance” for the desired account
Your balance, along with detailed transaction history, will be displayed.
First-Time Users: Visit your nearest SBI branch to activate net banking services or register online through the SBI website.
Method 6: SBI Balance Check Through ATM
The traditional yet reliable method that works 24/7 without internet.
Step 1: Insert your SBI ATM/Debit Card into any SBI ATM
Step 2: Enter your 4-digit ATM PIN
Step 3: Select “Balance Enquiry” from the menu
Step 4: Your account balance displays on the screen
Optional: Select “Print Receipt” to get a printed statement.
Pro Tip: You can also update your SBI passbook at ATMs equipped with passbook printing kiosks.
Method 7: SBI Balance Check Through Toll-Free Numbers
SBI provides multiple toll-free customer care numbers for balance enquiry through IVR (Interactive Voice Response):
- 1800 1234
- 1800 2100
- 1800 11 2211
- 1800 425 3800
- 080-26599990 (Bangalore)
How It Works:
- Call any toll-free number from any phone
- Select your preferred language
- Follow the IVR instructions
- Choose the balance enquiry option
- Enter your account number and other details as prompted
- Your balance will be announced via automated voice
Note: These numbers are completely free to call from any network.
Method 8: SBI Balance Check Through UPI
Any UPI-enabled app can help you check your SBI balance:
Step 1: Open your UPI app (PhonePe, Google Pay, Paytm, BHIM, etc.)
Step 2: Go to “Balance Check” or “View Balance” section
Step 3: Select your SBI bank account
Step 4: Enter your UPI PIN
Step 5: Your account balance displays instantly
Method 9: SBI Balance Check Through USSD (*595#)
USSD banking works on basic feature phones without internet, making it accessible to everyone.
Step 1: Dial *595# from your registered mobile number
Step 2: Enter your User ID when prompted
Step 3: Select “Option 1” for account services
Step 4: Choose “Balance Inquiry” or “Mini Statement”
Step 5: Enter your MPIN and press send
Step 6: Your balance appears on the screen
First-Time Registration: Dial *595# and follow the on-screen instructions to create your User ID and MPIN.
Method 10: SBI Balance Check Through Passbook
Every SBI account holder receives a physical passbook that records all transactions.
How to Update:
- Visit your nearest SBI branch and hand over your passbook to the teller
- Use passbook printing machines at select branches and ATMs
- Your updated balance will be printed along with recent transactions
Advantage: Provides a permanent record of all your banking activities.
For comprehensive banking guides and financial literacy content, explore TechnoSports.
Why Regular SBI Balance Checks Matter
Checking your account balance regularly isn’t just good practice—it’s essential for smart financial management:
✅ Prevent Overdrafts: Ensure sufficient funds before writing cheques or making payments
✅ Detect Fraud: Spot unauthorized transactions immediately and report them
✅ Track Spending: Monitor your expenses and identify unnecessary charges
✅ Verify Credits: Confirm salary deposits, refunds, and interest credits
✅ Budget Better: Make informed spending decisions based on available funds
✅ Avoid Penalties: Maintain minimum balance requirements to avoid charges
Common Issues and Solutions
Problem: Not receiving balance SMS after missed call
Solution: Ensure your mobile number is registered. If not, visit your branch or send registration SMS to 09223488888
Problem: “User not registered” error in USSD
Solution: Complete one-time registration by dialing *595# and following instructions
Problem: Forgot net banking password
Solution: Click “Forgot Password” on the login page or visit your branch with ID proof
Problem: Mobile app not working
Solution: Check internet connection, update the app, or clear cache and try again
Security Tips for Safe Balance Checking
🔒 Never share your ATM PIN, OTP, MPIN, or UPI PIN with anyone
🔒 Use official SBI numbers and websites only—beware of fraudulent calls/messages
🔒 Enable two-factor authentication on all apps
🔒 Update your registered mobile number if you change it
🔒 Report suspicious activity immediately to SBI customer care: 1800 11 2211
FAQs
Q1: Can I check my SBI account balance without registering my mobile number?
No, for most digital methods like missed call banking, SMS banking, and USSD (*595#), one-time mobile number registration is mandatory. You must register by sending an SMS “REG <space> Account Number” to 09223488888 from the mobile number you want to link to your account. However, you can check your balance without registration through ATM machines (using your debit card and PIN), SBI net banking (using your User ID and password), or by visiting an SBI branch with your passbook. The registration process is simple, takes just a few minutes, and enables you to access multiple convenient services like instant balance checks, mini statements, and cheque book requests through your mobile phone 24/7.
Q2: Are there any charges for checking SBI account balance through different methods?
Most SBI balance check methods are completely free of cost. Missed call banking (09223766666), toll-free customer care numbers (1800 1234, 1800 11 2211), ATM balance enquiry at SBI ATMs, net banking, mobile apps (YONO, YONO Lite, BHIM SBI Pay), and USSD (*595#) do not incur any charges from SBI’s side. For SMS banking, while SBI doesn’t charge for the service, standard SMS charges may apply based on your mobile operator’s plan (typically ₹1-3 per SMS). WhatsApp banking uses your internet data, so normal data charges apply. Using non-SBI ATMs for balance checks may incur charges as per RBI guidelines (free transactions have monthly limits, after which charges apply). The passbook update service at branches is free, but updating at non-home branch ATMs might have nominal charges. Overall, SBI provides most balance check services free to promote digital banking adoption.
