Simple Ways to Check Your Bank Balance

Digital technology has greatly streamlined many tasks requiring significant time and effort. For example, you no longer need to visit a bank to perform everyday financial or banking transactions. With a button, you can transfer money, check your bank balance, deposit funds, and more.

Staying on top of your bank balance is essential, especially with frequent transactions. Regularly checking your account helps you spot potential errors or fraudulent activities early. You can conveniently monitor your balance through various methods, including email alerts, push notifications, SMS updates, NetBanking, and Unified Payment Interface (UPI) transactions.

Let's explore how you can know your bank balance in easy steps:

Through NetBanking & Mobile Banking 

The most common method is using NetBanking to check your bank balance.

• Step 1: Visit your bank's official NetBanking portal and log in. If you're a first-time user, click on 'Register' or 'First-time User'.
• Step 2: Fill in the required information, including your account number, mobile number, email address, Debit Card number, and CVV. Submit the form, and enter the OTP sent to your registered mobile number.
• Step 3: Create a new username and password. Once registered, you can log in anytime to check your bank balance.
• Step 4: After logging in, navigate to the account balance section.
• Step 5: Select the account you want to view the balance.
• Step 6: If needed, download your account statement for further details.

You can follow similar steps to check your account balance via Mobile Banking.

Using an ATM

Checking your bank balance at an ATM is a straightforward process. Just visit your nearest ATM and follow these steps:

• Step 1: Insert your ATM or Debit Card into the designated slot. Most ATMs require you to leave the card in the machine until the transaction is completed, although some may use a dip-and-remove method.
• Step 2: Choose your preferred language for the transaction from the options provided.
• Step 3: Enter your Personal Identification Number (PIN). This is usually a four or six-digit code you set up with your bank. Be cautious and ensure no one is watching as you enter it.
• Step 4: After entering your PIN, you will see various transaction options. Select "Balance Enquiry" or a similarly titled option to check your account balance.

Through Text or Email Notifications

Text messages are an easy way to know your bank balance. The bank sends your available balance details via SMS or Email every time you make an account or Debit Card transaction. Ensure the SMS and email alert option are enabled for your bank account.

Using Phone Banking Services

Most banks offer a Phone Banking number that you can call for assistance. An interactive voice response (IVR) system will guide you through checking your account balance.

Via Passbook 

Keep your passbook updated at the bank to check your balance easily. When you open an account, you receive a passbook that can be updated at your local branch. This allows you to track both your debit and credit transactions effortlessly.

Via a UPI App​​​​​

Another rapid way to check your bank account balance is through a Unified Payments Interface (UPI) app. UPI is a system that consolidates your bank's services in one place. For first-time UPI users, these instructions will guide you:

• Launch the UPI app and navigate to the linked accounts section.
• Select the preferred account.
• Tap on the 'view balance' or similar option.
• Enter the UPI PIN.

Upon successful authentication, the app will show you your account balance.

HDFC Bank's PayZapp is a UPI-enabled app that allows you to check your account balance. Here are easy steps:

• Step 1: Launch PayZapp on your smartphone. If you haven't already, register for PayZapp using your mobile number.
• Step 2: Go the 'Accounts & Cards'.
• Step 3: Select UPI Accounts.
• Step 4: Tap 'View Balance' under the preferred bank account.
• Step 5: Enter the four or six-digit UPI PIN.
• Step 6: Check the account balance.

Click here to pay online & check your bank balance through PayZapp on your IOS phone.

Click here to make an online UPI payment & view your bank balance through Payzapp on your phone.

Monitoring your account balance allows you to manage your transactions. Similarly, the PayZapp passbook, a feature of HDFC Bank's PayZapp application, offers a detailed overview of your transactions. PayZapp serves as a comprehensive payment platform, facilitating various types of payments, including utility bill payments, recharges, financial services payments and more, through preferred payment methods. The passbook is a personal financial log detailing payments, money transfers, utility bill payments, and mobile recharges. It enables users to track and review their transaction history conveniently.

Download PayZapp now!

Disclaimer: *Terms and conditions apply. The information provided in this article is generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances.