How to Check Bank Balance
There are several ways to check your bank balance — a UPI app, your bank's mobile app, net banking, missed call and SMS. The easiest is a UPI app: tap Check Balance on the linked account and enter your UPI PIN.
What you'll learn in this guide
- Checking balance in a UPI app
- Net banking and mobile app methods
- Missed call and SMS banking
1Check balance in a UPI app
The easiest method — tap Check Balance on the linked account.
- Open your UPI app (for example, Google Pay or PhonePe).
- Select your linked bank account.
- Tap Check Balance.
- Enter your UPI PIN.
- Your balance appears on the screen.
2Other methods: net banking, mobile app, missed call, SMS
Every bank has its own official numbers — confirm them from your bank.
- For net banking, log in to your bank's official website and open Balance Enquiry or Account Summary.
- In the mobile banking app, log in and tap Account Summary or Balance Enquiry.
- For missed call, call your bank's official missed-call number from your registered mobile number; the call disconnects on its own and the balance arrives by SMS.
- For SMS banking, send an SMS in the format given by your bank to its official number; the reply comes by SMS.
💡 Pro Tip
Missed call and SMS only work from the number registered with your bank account, so first check that your number is registered with the bank.
Frequently asked questions
What do you need to check balance in a UPI app?
A linked bank account and your UPI PIN; checking the balance via UPI is free.
Can you check balance without internet?
Yes — missed call and SMS banking do not need internet, only your registered mobile number and network.
Is the missed-call number the same for every bank?
No, every bank has its own official number; confirm it from your bank's official website or app.
Does a UPI app show only UPI transactions or the full balance?
The balance check shows the account's current balance; but a UPI app's transaction history generally shows only the UPI transactions made through that app.