March 27, 2026

Bank of Baroda (BoB) Balance Enquiry: A Complete Guide to Checking Your Account by Number, SMS, and Web

Introduction
Financial discipline cannot happen if you do not have a robust financial management strategy in place. A seamless way to manage your finances is to keep track of your bank balance. Think of it as the key measure you take when you visit an ATM to withdraw cash. You can stay in control of your finances only if you check your balance regularly. This will also protect you from unnecessary shocks before making a payment. Whether you want to confirm a salary credit or track spending, everything is linked to that one small step.
Key Takeaways:
  • Give a missed call to 8468001111 from your registered mobile number to view your Bank of Baroda account balance via SMS.
  • Other modes of balance checking include SMS banking, UPI apps, the BoB World mobile app, internet banking, WhatsApp banking, ATMs, or passbook updates
  • Users without internet access can check their account balance using missed call banking, SMS banking, ATM enquiries, and USSD codes.
  • You should regularly check your bank balance to track transactions, including spends and incoming payments, and identify suspicious transactions early.
Bank of Baroda Balance Enquiry
For customers of Bank of Baroda (BoB), checking their account balance is pretty convenient. The methods are simple. These include:
  • missed call banking
  • SMS banking
  • mobile banking apps
  • internet banking
  • ATMs
  • passbook updates
Most services are available 24×7 and you can access them without even visiting a bank branch.
Here’s a complete guide on how to check your Bank of Baroda account balance using a phone number, SMS, online banking, and other methods, along with instances in which each option is most useful.

Ways to Check Bank of Baroda Account Balance

Bank of Baroda’s basket of services includes multiple balance enquiry channels meant for digital and non-digital users.
The key options include:
  • Missed call banking
  • SMS banking
  • Mobile banking (BoB World app)
  • Internet banking
  • ATM balance enquiry
  • Passbook update at branch
  • WhatsApp banking
Customers can check their balance even without internet access or a smartphone using these options.
Bank of Baroda has a toll-free number for balance checks: 1800-5700.

Bank of Baroda Balance Check by Missed Call

Missed call banking is one of the fastest ways to stay informed about your Bank of Baroda account balance. It even works on feature phones and does not require internet connectivity.

Bank of Baroda Balance Enquiry Number

Customers can give a missed call to:
8468001111
The call must be placed from the mobile number registered with the bank, and it will automatically disconnect after a few seconds. You will then receive an SMS containing your latest account balance.

Mini Statement Missed Call Number

If you want to check recent transactions, you can give a missed call to:
8468001122
You will receive an SMS showing the last 5 transactions in your account.

Key Benefits

  • Available 24×7
  • Works on basic mobile phones
  • No internet required
  • Quick and convenient
Missed call banking is particularly meant for customers who want a quick balance check without logging into an app or website.

Bank of Baroda Balance Check by SMS

Bank of Baroda’s SMS banking allows customers to check their balance by sending a simple text message.

SMS Format for Balance Enquiry

Type the following message:
BAL <space> last four digits of your account number
Send the SMS to:
8422009988
You will receive an SMS response containing your current account balance.

SMS Format for Mini Statement

To receive the last few transactions, send:
MINI <space> last four digits of your account number
to the same number 8422009988.

When SMS Banking Is Useful

SMS banking is helpful when:
  • You cannot use internet banking
  • Missed call service is unavailable
  • You want to request specific account information
Standard SMS charges may apply depending on your telecom provider.

Bank of Baroda Balance Check Using the BoB World Mobile App

For customers preferring digital banking, the BoB World mobile banking application is the answer. It offers a comprehensive experience for managing accounts and checking balances.

How to Check Balance on the BoB World App

  1. Download the BoB World app from the Google Play Store or Apple App Store.
  2. Open the app and log in using your registered mobile number and your 4-digit login PIN.
  3. On the homepage/dashboard, find the “Accounts” section.
  4. Tap the “eye” icon (Unhide) next to your masked account number to instantly view your available balance.
  5. Select the account you want to view.
Other Ways to Check Balance via BoB World:
Mini Statement: Navigate to the transaction history/statement section to view recent transactions.
Account Details: Click on “My Account” to see detailed account information.
In case you are not registered, you can activate the app using internet banking or by visiting your home branch.
The app will display your available balance and recent transaction history instantly.

Features of the BoB World App

  • Real-time balance updates
  • Transaction history and statements
  • Fund transfers (NEFT, RTGS, IMPS)
  • Bill payments and recharge services
  • Credit card and investment services
Mobile banking is ideal for customers who want a detailed view of their account activity rather than just the balance.

Bank of Baroda Balance Check Through Internet Banking

Internet banking is another reliable way to check your BoB account balance online.

Steps to Check Balance Online

  1. Visit the official Bank of Baroda internet banking portal, official Bank of Baroda NetBanking portal.
  2. Select the 'Retail User' option and enter your User ID and password.
  3. Navigate to the 'Accounts' or 'View Account Details' tab.
  4. Select 'Account Summary' or 'Check Account Balance' to view your available balance, account summary, and transaction history.
Internet banking is particularly useful if you want to download statements or review account activity in detail.
If you are not registered for internet banking, you can do so through the same portal or at a Bank of Baroda branch.

Bank of Baroda Balance Check at an ATM

Customers can also check their balance at Bank of Baroda ATMs or other bank ATMs.

Steps to Check Balance at an ATM

  1. Insert your debit card into the ATM.
  2. Enter your ATM PIN.
  3. Select the Balance Enquiry option.
  4. Your balance will appear on the screen or on a printed receipt.
Balance enquiries at BoB ATMs are generally free, although charges may apply if you exceed the free transaction limit at other bank ATMs.

BOB Balance Check by Passbook

The most convenient way for Bank of Baroda account holders to check their balance is with the help of a passbook. However, passbooks can only be updated at bank branches and you should update your passbook regularly to manage your finances as per your current balance at all times.

Checking Bank of Baroda Balance Through WhatsApp Banking

Bank of Baroda also provides limited banking services through WhatsApp banking.

Steps to Use WhatsApp Banking

  1. Save the Bank of Baroda official WhatsApp banking number 8433888777 on your phone.
  2. Send the message “Hi” to the saved number to start the service.
  3. For authentication check, the bank will send a welcome message, and you may need to enter a 6-digit OTP for verification.
  4. Follow the menu options and choose 'Account Balance' or 'Balance Enquiry' from the menu.
The system will provide your account balance information through WhatsApp messages.

Other Key Details Other services: Besides balance check, you can get a mini statement (last 5 transactions), block a debit card, or request a chequebook.

Requirements: For that, you must use the mobile number registered with the bank. This service is available 24/7.
Bank of Baroda Balance Enquiry by mPassbook
Bank of Baroda also has an mPassbook mobile app. Account holders can view their balance using their mobile apps.
  • It keeps a record of all the transactions done by you, and the look and feel of it is similar to a physical passbook.
  • You should have your mobile numbers registered with the bank to avail the service.
  • Not just balance check, you can also download your account statements, spot a Bank of Baroda ATM within the 10 km vicinity, and tag the transactions for future reference.
  • The app is available in 8 languages. It synchronises and updates automatically whenever you open the app.
Bank of Baroda Balance Check Through UPI
You can also check your Bank of Baroda account balance using Unified Payments Interface (UPI) apps. Most reliable UPI platforms include Google Pay, PhonePe, Paytm, and BHIM. Through these, you can check your bank balance instantly.
To use this feature, link your Bank of Baroda to the UPI app.
Steps to Check Bank of Baroda Balance Using UPI
Open your preferred UPI application on your smartphone.
Navigate to the option labelled “Check Bank Balance” or “View Balance”.
Select your Bank of Baroda account if multiple bank accounts are linked.
Enter your security UPI PIN to authenticate the request.
Your current account balance will be instantly displayed on the screen.
When UPI Balance Check Is Useful
Checking your balance through UPI is convenient when you are:
  • Making a UPI payment and want to confirm available funds
  • Managing multiple bank accounts linked to a single UPI app
  • Monitoring your balance without logging into mobile banking
UPI apps are now extensively used for digital payments in India as this method offers a quick and convenient way to verify your account balance before making transactions.
Bank of Baroda Balance Check Using USSD Code
If you do not have internet access, you can check your account balance using the USSD-based mobile banking service provided through the National Unified USSD Platform.
Bank of Baroda USSD Balance Check Code
Dial the following code from your registered mobile number:
*99*48#
Then follow the instructions displayed on your mobile screen. The system will show your current account balance directly on the device.
Features of the USSD Banking Service
  • Works without internet connectivity
  • Available on basic mobile phones and smartphones
  • Provides access to basic banking services through the USSD menu
Customers residing in areas with limited internet connectivity can avail this hassle-free service to get essential banking information quickly.
Accessing Your Bank Balance Anytime, Anywhere
The Bank of Baroda balance check number, along with services such as SMS banking, WhatsApp banking, UPI balance enquiry, mobile banking apps, and USSD codes, makes account balance monitoring child’s play.
Regularly checking your balance helps track spending, and ensures that you remain aware of your financial position and recent transactions.
Which Balance Check Method Is Best?
Each balance enquiry method serves a different purpose.
MethodBest Use CaseInternet Required
Missed call bankingQuick balance checkNo
SMS bankingBalance enquiry without appNo
BoB World mobile appComplete digital banking accessYes
Internet bankingDetailed account statementsYes
ATM enquiryOffline accessNo
Passbook updatePhysical transaction recordNo
In practice, most users prefer missed call banking for speed and mobile banking apps for detailed account information.

Security Tips When Checking Your Bank Balance

While digital banking services have made balance checks convenient, you must always follow a few key security practices for safe transactions whenever and wherever you access your account:
  • Use only official banking apps and websites.
  • Never share your PIN, OTP, or login credentials.
  • Avoid accessing internet banking on public computers.
  • Enable SMS alerts for transactions to monitor activity.
Regularly checking your account balance also helps you detect suspicious transactions early.
Regulatory Framework for Digital Banking Services
All digital balance enquiry services, including missed call banking, SMS banking, mobile banking, and internet banking, operate within the regulatory framework issued by the Reserve Bank of India (RBI).
The RBI regulates all electronic banking services to safeguard customers’ interests, ensuring that banks provide secure, reliable, and transparent digital banking systems for customers.
Under RBI guidelines for digital banking and electronic transactions, banks are required to:
  • Implement secure authentication and encryption systems for digital services
  • Provide real-time transaction alerts through SMS or email
  • Maintain robust customer grievance redressal mechanisms
  • Protect customers under the framework for unauthorised electronic banking transactions
The RBI’s regulatory oversight guarantees that services such as balance enquiries through mobile phones or online banking remain safe and trustworthy for millions of users.
Customers are also advised by regulators to keep their registered mobile number updated, regularly monitor account activity, and report any suspicious transactions immediately.

Bank of Baroda Balance Check vs Other Banks

Most major Indian banks offer balance enquiry services through missed call banking, SMS, and mobile apps. However, Bank of Baroda offers a strong and unique combination of traditional and digital channels, making balance checks easy for a wide range of customers.
Compared with some smaller banks, BoB provides:
  • Multiple balance enquiry channels
  • A unified digital banking platform through BoB World app
  • SMS and missed call banking for offline users
With BoB’s flexible banking services, customers can monitor their finances regardless of device or connectivity.

Why Checking Your Bank Balance Regularly Matters

Regular balance checks help you:
  • Avoid insufficient balance penalties
  • Track salary and payment credits
  • Monitor spending patterns
  • Identify unauthorised transactions
  • Plan expenses more effectively
For individuals who manage frequent digital payments, balance monitoring is a must for greater financial clarity and control.

The Bottom Line

Bank of Baroda offers several convenient ways to check your account balance, including missed call banking, SMS services, mobile banking, internet banking, ATMs, and WhatsApp banking.
For quick checks, the missed call service remains the fastest option. Meanwhile, the BoB World mobile banking app provides the most comprehensive view of your account balance and transactions.
Choose the method that suits you, and you can track your finances easily. Your bank account also remains well managed.

Frequently Asked Questions (FAQs)

What is the Bank of Baroda balance check number?

You can give a missed call to 8468001111 from your registered mobile number to receive your account balance via SMS.

How can I check my Bank of Baroda balance without the internet?

You can use missed call banking, SMS banking, or ATM balance enquiry, all of which do not need internet access.

What is the SMS format for BoB balance enquiry?

Send BAL <space> the last 4 digits of your account number to 8422009988.

How can I check my BoB balance online?

You can log in to Bank of Baroda internet banking or the BoB World mobile app to check your balance and transaction history.

Do I need to register my mobile number for balance enquiry?

Yes. Your mobile number must be linked to your Bank of Baroda account to use missed call banking and SMS services.

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