Today I was browsing internet and found few very important USSD Codes to check our Bank Account Balance & also Fund Transfer in few seconds on Mobile Phone without internet using USSD Codes.Then I thought to share with you.
What is USSD?
Unstructured Supplementary Service Data (USSD), sometimes referred to as "Quick Codes" or "Feature codes", is a protocol used by GSM cellular telephones to communicate with the service provider's computers.
Facilities:
- Check Account Balance(Free)
- Check Mini statement(Free)
- Send money using MMID
- Send Money using IFSC
- Send money using Adhar Number
- Show MMID
- Change M-PIN
- Generate OTP
Dial these codes from your registered mobile number:
*99*41# - State Bank of India
*99*42# - Punjab National Bank
*99*43# - HDFC Bank
*99*44# - ICICI Bank
*99*45# - AXIS Bank
*99*46# - Canara Bank
*99*47# - Bank Of India
*99*48# - Bank of Baroda
*99*49# - IDBI Bank
*99*50# - Union Bank of India
*99*51# - Central Bank of India
*99*52# - India Overseas Bank
*99*53# - Oriental Bank of Commerce
*99*54# - Allahabad Bank
*99*55# - Syndicate Bank
*99*56# - UCO Bank
*99*57# - Corporation Bank
*99*58# - Indian Bank
*99*59# - Andhra Bank
*99*60# - State Bank Of Hyderabad
*99*61# - Bank of Maharashtra
*99*62# - State Bank of Patiala
*99*63# - United Bank of India
*99*64# - Vijaya Bank
*99*65# - Dena Bank
*99*66# - Yes Bank
*99*67# - State Bank of Travancore
*99*68# - Kotak Mahindra Bank
*99*69# - IndusInd Bank
*99*70# - State Bank of Bikaner and Jaipur
*99*71# - Punjab and Sind Bank
*99*72# - Federal Bank
*99*73# - State Bank of Mysore
*99*74# - Sout vch Indian Bank
*99*75# - Karur Vysya Bank
*99*76# - Karnataka Bank
*99*77# - Tamilnad Mercantile Bank
*99*78# - DCB Bank
*99*79# - Ratnakar Bank
*99*80# - Nainital Bank
*99*81# - Janata Sahakari Bank
*99*82# - Mehsana Urban Co-Operative Bank
*99*83# - NKGSB Bank
*99*84# - Saraswat Bank
*99*85# - Apna Sahakari Bank
*99*86# - Bhartiya Mahila Bank
*99*87# - Abhyudaya Co-Operative Bank
*99*88# - Punjab & Maharashtra Co-operative Bank
*99*89# - Hasti Co-Operative Bank
*99*90# - Gujarat State Co-Operative Bank
*99*91# - Kalupur Commercial Co-Operative Bank.
Dial these numbers from your registered mobile number with bank and see the magic!!
Mobile banking has brought the bank account in your hand. Today, you can check bank-balance, get a mini statement and transfer fund through the mobile banking. But, what if you don’t have a smartphone or you don’t have the internet? The answer to this problem is the USSD based mobile banking. Just dial the *99# and see the magic. You can do all those things which are available to a person with smartphone and 3G data. Almost every bank including SBI, ICICI, HDFC, PNB, Axis and BOB support *99# USSD mobile banking service.
USSD Codes?
Did you ever try to get the mobile balance by dialling a certain code? Did you see the recharge vendor using certain codes to access mobile services? These are the USSD codes.
The codes which directly communicate with the server of telecom company is called as the USSD. You must have noticed that this code starts with ‘*’ (asterisk) and ends with # (hash). The meaning or full forms of the USSD is unstructured supplementary service data.
USSD for Banking
As USSD code connects to the telecom operator’s server, it also connects to bank’s server. Hence, it gives you access to your bank account and performs some transaction. The entry to your bank account is given on the basis of registered mobile number. Thus, you must use registered mobile number to dial the USSD code.
The connection to the server of your bank goes through the servers of telecom companies. The NPCI handles all the technicality of this USSD service.
A special number *99# is fixed to access the banking services. This number works across the banks. This system of banking transaction is termed as the NUUP
More About NUUP
NUUP stands for National Unified USSD Platform. It is an innovative service developed by NPCI and launched by the Indian government in 2014. The service allows the banks and telecom service providers to work together seamlessly. The services of NUUP are based on the USSD method.
USSD (Unstructured Supplementary Service Data) is a technology normally used in the field of telecommunication. It is available on all GSM enabled handsets. You do not need an internet connection to use the services of this method. It uses voice connectivity only.
Services Through NUUP
NUUP uses USSD to perform various financial, non-financial and value added services. You can not only check your balance and see mini statement but also send money. There are some more options such as show MMID, generate OTP and change M-PIN.
NUUP For Different Languages
You can also use it in your own language. Currently, this service is available in 10 regional languages along with Hindi and English. Therefore, it is the best banking solution for every common man. The supported languages are-
- English *99#
- Hindi *99*22#
- Tamil *99*23#
- Telugu *99*24#
- Malayalam *99*25#
- Kannada *99*26#
- Gujarati *99*27#
- Marathi *99*28#
- Bengali *99*29#
- Punjabi *99*30#
- Assamese *99*31#
- Oriya *99*32#
Note: Due to some technical limitation currently only three services can be accessed in these languages except English.
- Balance enquiry
- Mini statement
- Funds transfer using IFSC and Account number
How To Use USSD code for Banking
First of all, you need to register your mobile number to your bank account. Visit your branch to get your mobile number registered. If your mobile number is already registered then you can directly dial the *99#. Follow these steps for USSD banking
Step 1: Dial *99# with your registered number and wait for 3-5 seconds.
Step 2: Enter the three letter abbreviation of your bank name or first four-letter of bank IFSC or first two digits of bank’s numeric code and hit send or call button.
Step 3: You will see some options for the services. It can be different for different banks. These options are-
- Account Balance
- Mini statement
- Send money using MMID
- Send Money using IFSC
- Send money using Adhar Number
- Show MMID
- Change M-PIN
- Generate OTP
From here, the process will be different for every service.
Account Balance
Use this service to know your account balance. Enter 1 and hit send or call button. You will see the available account balance on screen.
Mini Statement
This service will display the mini statement of your account. Enter 2 in the input box and submit. You would see the mini statement on the confirmation screen.
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Send money using MMID
This service is used for funds transfer using MMID and mobile number. MMID (Mobile Money Identifier) is a code given to you by the bank when you register for mobile banking.
Enter 3 in the input box of NUUP menu and submit.
In the next menu, Enter beneficiary mobile number, MMID, amount and remarks (optional).
Now, you will see another menu. Enter your mobile banking M-PIN and last four digits of your account number (optional) and submit. You will see a confirmation message.
Send Money using Account Number
You can send money using the beneficiary account number and IFSC. If the beneficiary is not registered for mobile banking, this option becomes useful. Enter 4 in the input box of NUUP menu and submit. In the next menu, enter the beneficiary account number, IFSC, amount and remarks (optional). Enter your mobile banking M-PIN and last four digits of your account number (optional) and submit. A confirmation screen showing success response will be displayed.
Send money using Adhaar Number
If the Adhaar number is linked to the beneficiary account, then you can transfer money using Adhaar number. Enter 5 and submit to access next menu. Enter beneficiary Adhaar number, amount and remarks (optional) and click submit to go to the next step. Enter your mobile banking M-PIN and last four digits of your account number and submit to transfer money. A confirmation screen showing success response will be displayed.
Note: Banks may ask additional information for better security such as last four digits of your account number and your mobile banking user id
Show MMID
MMID is a code allotted to you by the bank when you register for mobile banking. You can check your MMID using NUUP menu. Enter 6 in the input box and submit. The next screen will show your MMID along with a confirmation message.
Change M-PIN
You can also change your mobile banking M-PIN using NUUP. Enter 7 and hit submit to go to the next step. Enter your old M-PIN, new M-PIN and confirm M-PIN. Submit to change your M-PIN. A confirmation screen will be shown saying your M-PIN changed successfully.
Generate OTP
NUUP also has an option to generate OTP. Enter 8 to generate OTP and submit. In the next screen, enter your mobile banking M-PIN and submit again. Your OTP will be generated and shown to you along with a confirmation message in the next screen.
Charges and transaction limit for NUUP
The telecom service providers will charge to use NUUP services. The TRAI has set a maximum limit of ₹ 1.50/ transaction. However, you should contact your telecom service operator to confirm exact charges. The transactions limit for NUUP is set to ₹ 5000 per transaction by Reserve Bank of India (RBI).
Tips on using NUUP
The mobile banking service should be enabled in your account to access NUUP services. If it is not enabled, visit your branch to register yourself for mobile banking.
Before you start sending money through NUUP keep all required details such as beneficiary MMID/ IFSC/ Adhar, mobile number, your M-PIN etc.
The beneficiary needs not to register for mobile banking to receive funds. You can still send money using his/her IFSC and account number. However, to receive money using MMID it is compulsory to register for mobile banking. Because banks allot MMID to only those who register for mobile banking.
Conclusion
The USSD banking or NUUP is a great facility to those who don’t have the smartphone. But if you have the smartphone with the internet you should use the unified payment interface (UPI). It works on mobile apps and very user-friendly. You can find UPI apps by SBI, ICICI, HDFC and many more banks.
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