How to Check Bank Balance Without App or Internet (All Banks)
No internet, no smartphone, or just don’t want to open an app? You can still check your bank balance in seconds with a missed call, the *99# USSD service or WhatsApp banking. All you need is the mobile number registered with your bank account.
Method 1: Missed call (fastest)
Give a missed call from your registered mobile number. The call disconnects and you get an SMS with your balance. It’s free.
| Bank | Missed call number |
|---|---|
| State Bank of India (SBI) | 9223766666 |
| HDFC Bank | 1800 270 3333 |
| ICICI Bank | 9594 612 612 |
| Axis Bank | 1800 419 5959 |
| Punjab National Bank (PNB) | 1800 180 2223 |
| Bank of Baroda | 8468001111 |
| Canara Bank | 09015483483 |
| Union Bank of India | 09223008586 |
| Kotak Mahindra Bank | 1800 274 0110 |
| Bank of India | 09015135135 |
| IDBI Bank | 1800 843 1122 |
| Yes Bank | 09223920000 |
| IndusInd Bank | 1800 274 1000 |
Some banks ask you to register for the service first (for example, SBI: SMS REG <account number> to 9223488888). Numbers can change, so confirm on your bank’s official website if one doesn’t work.
Method 2: *99# USSD (works on any phone, no internet)
- Dial *99# from your registered mobile number (works on basic phones too).
- Choose your language.
- Select Check Balance.
- Enter your UPI PIN when prompted, and your balance appears on screen.
*99# is run by NPCI. It needs a UPI PIN set for your account (see how to set up UPI).
Method 3: WhatsApp banking
Many banks offer balance enquiry on WhatsApp. Save your bank’s official WhatsApp number, send “Hi” from your registered mobile and choose Balance Enquiry. Examples: SBI 90226 90226, HDFC Bank 70700 22222, ICICI Bank 86400 86400. Only use numbers listed on your bank’s official website.
No SMS arriving? Troubleshooting
- Call from the mobile number registered with your account. Update it at your branch if needed.
- Register for missed-call banking if your bank requires it.
- Check that SMS alerts are active and your inbox isn’t full.
- For *99#, make sure your UPI PIN is set.
Frequently asked questions
Is missed-call balance enquiry free?
Yes. The call disconnects automatically and banks don’t charge for it.
Can I check my balance without a registered mobile number?
Not by phone. Use an ATM, your passbook at the branch, or net banking.
Will the bank ask for my PIN or OTP on a missed call?
Never. Balance enquiry by missed call needs no PIN or OTP. Anyone calling you to ask for them is a fraudster.
Related guides
Numbers are from bank and public listings, checked September 2026. Always confirm on your bank’s official website. Easy Guide India is not affiliated with any bank. Also see how to check your balance online.