How to Get Your Indian Overseas Bank Customer ID

Where is the Customer ID Needed in IOB?

The Customer ID is mandatory for:

• Opening or downloading account statements
• Logging into or registering for IOB NetBanking
• Registering on the IOB Mobile App
• Accessing your IOB mPassbook or mobile services
• Recovering or resetting your Login ID
• Doing Re-KYC of your account and filling out application forms at the branch.

Decoding the Customer ID in Indian Overseas Bank

As per the news report of the Hindu News, the IOB bank has a touch customer base of over 4 crore (40 million), with a wide network of 3,322 branches across the country till 31 December, 2024.

To manage such a large customer base, IOB assigns a Customer ID as a special number to each individual.

Your Customer ID (also known as CIF Number in some places, like doing re-KYC) is a unique 8 to 9-digit number provided by the bank.

It’s different from your Login ID or Account Number, and a unique number that acts as your digital identity across all IOB services. If you’ve lost access or never received yours, let’s check what options are available to retrieve your ID easily –

Why You Can’t Get Your IOB Customer ID with Just Your Mobile Number

Many users search “how can I know my IOB customer ID using mobile number only, or via SMS, or missed call” — but there’s no such option available as per the Indian Overseas Bank official website.

IOB does not allow customer ID retrieval using just mobile numbers for security reasons. You always need one of these:

• Registered account number and login ID
• Debit card or branch token
• Verified login to the IOB digital banking and mobile banking.
• Original bank-issued documents

1. What Physical Documents Contain Your Customer ID?

These options don’t require any login or digital access. Just a little digging into your old papers. These traditional methods are best for those who struggle with these online steps and methods –

1. Welcome Letter

Received after partial (half) KYC, usually sent via post or email. Your Customer ID is printed right at the top.

2. Welcome Kit

Given after completing full KYC and activating the account. It often includes your:

• Account info
• Debit card
• ATM PIN
• Customer ID (usually on the cover page or leaflet)

3. Passbook

Open your IOB passbook and check the first page, just below the Account Number or Account Opening Date — the Customer ID is usually printed there.

4. Cheque Book

Sometimes the Customer ID is mentioned on the inner pages or on the first slip of your cheque book.

5. Physical Statement

If you’ve received printed statements, the ID is often listed at the top. You can request a physical statement via the IOB Mobile App under “Request Services.”

Note: The charges: ₹100 + GST may apply for each duplicate statement request.

6. IOB Credit Card Kit

If you have an IOB Credit Card, your Customer ID might appear above the credit limit section or on the welcome documents provided with your card.

What are the Online options for finding the IOB customer ID without a passbook?

Indian Overseas Bank provides two official digital methods to help you find your Customer ID — via Internet Banking and the IOB Mobile App. Both methods require your registered mobile number, account number, debit card and an Active SMS pack. Here are the steps to follow –

1. Know CIF Via IOB Netbanking

If you are already registered for IOB NetBanking or want to register as a new user, follow these steps:

1. Search for “IOB Internet Banking” on Google
2. Tap on “Personal Banking” under the login section.
3. Simply, enter your Login ID and password to access. but?
4. If you’re a new user, tap on “New User Registration” and:
   • Enter your Account Number, Mobile Number, Email ID and branch token or debit card.
   • Create a Login ID and Password.
   • Enter the Captcha Code and submit.
   • Now, you need to use your Debit Card to activate the online system and verify via OTP.
5. Once registered, simply use your ID and password to access.
6. Go to the Dashboard → Tap on the Menu → Select Edit Profile.
7. Click on “View My Customer ID” — your IOB CIF ID will be displayed on the screen.

2. IOB Mobile Banking App

If you have your smartphone and have installed the IOB App, it is much simpler for you. Follow the steps –

Few Requirements first:

• Registered Mobile Number
• Account Number
• Debit Card
• an Android or an iOS smartphone

Steps to follow –

1. Download the “IOB Mobile” App
   → Available on both the Google Play Store and Apple App Store.
2. Open the app and select your preferred language.
   • Tap on “Send SMS” to verify your SIM.
3. Enter your Account Number when prompted.
4. Here, you get the OTP to your phone to activate.
5. Set a 6-digit MPIN (passcode) to log in securely.
6. Complete first-time activation using your Debit Card.
7. On the App dashboard, navigate to the Profile icon in your top-left corner.
8. Your Customer ID will be clearly displayed in the profile section.

Note: confirm first that your SIM card has enough SMS balance for OTP and SIM verification.

What If You’re a New Account Holder?

If you just opened your IOB account:

• Wait for the Welcome Letter or Kit – usually includes the Customer ID
• Visit your home branch or ask your agent if you don’t receive one
• Ask the staff to write your Customer ID in the passbook at the time of account activation
• Register immediately for digital banking to avoid future hassle

When Should You Update or Confirm Your Customer ID Info?

Although the ID doesn’t change, always reconfirm your details when:

• Opening a new IOB account
• Changing phone numbers or addresses
• Linking account to UPI
• Reactivating dormant accounts

What to Do If You’ve Lost Both Passbook and Login Info?

Tip: Keep your Account Number and Date of Birth ready before calling.

Customer Care Numbers:

• Toll-Free: 1800 890 4445 / 1800 425 4445
• Landline: +91-044-28889352
• NRI Helpline: 044 24353640 / 044 2851 9611
• Email: gmcsd@iob.in

When connected, tell them:

“I want to know my Customer ID. I have my account details ready.”

They may ask for:

• Your Full Name
• Account Number
• DOB
• Registered Mobile Number

Note: Never share full account numbers, OTP, passwords, and any other very personal details even with bank staff.

Visit the Nearest IOB Branch (Last Option)

This is the most reliable method if everything else fails.

Just walk into any IOB branch nearby you with:

• A valid Govt-approved ID (For ex., Aadhaar, PAN, driving license, Passport, etc.)
• Your old passbook or account number (if required)

Ask the staff to print or update your passbook with the Customer ID or request a proper document with all details.

Add-on Questions