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*99# for Mobile Banking – Dial USSD *99# for Check Bank Balance, Mini Statement & Fund Transfer by IMPS

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*99# for Mobile Banking – Dial USSD *99# for Check Bank Balance, Mini Statement & Fund Transfer by IMPS. Check List of 51 Banks offering this service. Dial *99# to access your bank account from any handset, Dial *99# from your phone and check your bank balance, check your statement, Send Money Using MMID, Send Money Using IFSC Code etc. Dial *99# for all Mobile Banking Services Like – Bank Balance Enquiry, Mini Statement & Fund Transfer through IMPS etc. You may also check FAQs on *99# Service in this article

*99# for Mobile Banking – Dial USSD *99#

What is *99#?

*99# is a USSD (Unstructured Supplementary Service Data) based mobile banking service from NPCI that brings together diverse ecosystem partners such as Banks & TSPs (Telecom Service Providers). Using *99# service, a customer can access financial services by dialling *99# from his/her mobile registered with the bank. The service works across all GSM service providers and handsets.

Key Features of *99# Mobile Banking Service

  • You can access your bank account without enabling internet service. This service uses voice connectivity
  • Accessible through a common code *99# across all TSPs
  • No additional charges while roaming for using the service But Rs 1.50 (per session) will be deducted from your mobile account balance for using this service.
  • Works across all GSM service providers and mobile handsets
  • Round the clock availability to customers (works even on holidays) The Funds remitted using the *99# service can be received by the beneficiary 24/7 .
  • No need to install any application on mobile handset to use the service
  • Additional channel for banking services and key catalyst for financial inclusion

List of Services Available Under *99#

*99# service can be used by the customers for the following purposes: a) Financial b) Non-Financial c) Value Added Services (VAS)

Currently, following Financial, Non-financial and Value Added Services (VAS) are offered through *99# service.

  • Financial Services – Fund Transfers
  • Non-Financial Services
    • Know MMID
    • Bank Account Balance Enquiry
    • Mini Statement
    • Generate OTP (One Time Password)
    • Generate MPIN (Mobile banking Personal Identification Number)
  • Value Added Service – Dial *99# to check if your Bank account is linked to your Aadhaar number or not.

How to Use or Access Mobile Banking Service Via *99#

The service can be availed by dialing *99# from any GSM mobile phone. As a pre-requisite, the customer is required to register his/her mobile number with his bank for the mobile banking services. The customers already using mobile banking will be able to use this service without any additional registration by dialling *99# from their GSM mobile handset. The customers not registered for mobile banking service will have to contact their respective banks for mobile banking registration

If you have not registered for mobile banking service, you will have to contact your respective bank(s) for mobile banking registration.

Balance Enquiry, Mini Statement, Fund Transfer, Generate MPIN etc.

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank. For example – Short name for SBI is SBI, First 4 letters of IFSC code is SBIN and the 2 digit direct code for SBI Bank is ’41’ (you can Dial *99*41# directly to access your SBI account). You may Find other banks short code or direct codes at below of this article…
  • Enter 1 for Balance Enquiry, Enter 2 for Mini Statement and submit, Enter 6 for Know Your MMID,Enter 7 for Change MPIN and submit.
  • A confirmation screen will appear displaying the available balance or Mini Statement etc.

Mini Statement

Fund Transfer using MMID and Mobile Number

User can transfer funds by using MMID and Mobile number of the Beneficiary. The transaction flow for the same is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 3 for Fund Transfer using MMID and Mobile Number and submit.
  • Subsequent screen to enter Beneficiary Mobile number, MMID, Amount and Remarks (Optional) will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response.

Fund Transfer using IFSC and Account Number

User can transfer funds by using IFS Code and Account Number of the Beneficiary. The transaction flow for funds transfer using Account Number and IFS Code is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 4 for Fund Transfer using Account Number and IFSC and submit.
  • Subsequent screen to enter Beneficiary Account Number, IFS Code, Amount and Remarks (Optional) will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response

Fund Transfer using Aadhaar Number

User can transfer funds by using Aadhaar Number of the Beneficiary. The transaction flow for funds transfer using Aadhaar Number is as follows:

  • Dial *99# from your Mobile handset.
  • Welcome screen will appear asking you to enter your bank’s 3 letters short name or first 4 letters of IFSC.
  • After entering valid IFS Code or short name, menu will appear with different options of available services enabled for your bank.
  • Enter 5 for Fund Transfer using beneficiary Aadhaar number.
  • Subsequent screen to enter Beneficiary Aadhaar Number will appear.
  • Enter MPIN and last 4 digits of account number (Optional).
  • A confirmation screen will appear showing success response.

Note: The above are the standard process, however for authentication, different banks may use additional security means such as:

  • Enter Last 4 digit of your Account number OR
  • Enter User Id

Is there a facility/option available to Stop/Cancel financial transactions initiated using *99# service?

No. Since the *99# service uses IMPS channel which is an immediate fund transfer service; hence, it will not be possible to stop/cancel financial transaction after it has been initiated.

List of Banks offering *99# service

Please Check List of all banks offering *99# service with Short Code, IFSC Code and Multimodal Code. In this file you may find (The banks’ short codes, first 4 letters of IFSC Codes and Direct codes)

Click Here to Download PDF File

List of Telecom Service Providers offering *99# service

S. No. Telco Name
1 AIRCEL
2 AIRCEL
3 BSNL
4 IDEA
5 MTNL
6 QUADRANT
7 RELIANCE
8 TATA
9 UNINOR
10 VODAFONE
11 VIDEOCON

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About Raju Choudhary

Article by Raju Choudhary Raju has written 537 articles. If you like This post, you can follow CAknowledge on Twitter. Subscribe to CAknowledge feed via RSS or EMAIL to receive instant updates.

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