How to Get Your Indian Overseas Bank Customer ID

Let me tell you a small story before we begin the article.

Last month, one of my friends, Rohit Shukla, who runs a small curtain shop near Alwar Bypass, called me for help. He needed to open his IOB Bank digital statement for accounting purposes, but he stuck with the password — and guess what? The password was his Customer ID.

The problem? He didn’t know what a customer ID is? and where to find it.

So, he came over with his phone and passbook, and we sorted it out in just a few minutes.

If you’ve ever been stuck in a similar situation — staring at your screen, trying to figure out what or where your Customer ID is — don’t worry. You’re not the only one.

Hi, I’m Nanne Parmar, a finance writer and Google Scholar Author. I have helped thousands of people figure out everyday banking problems like this, and this time, I’m sharing a step-by-step guide to help you find your IOB Bank Customer ID quickly, without any stress.

Let’s get started –

What is Customer ID in the Indian Overseas Bank?

Indian Overseas Bank is one of the 14 major public banks in India, owned by the Government. As of December 31, 2024, the bank has a touch customer base of over 4 crore (40 million), with a wide network of 3,322 branches across the country.

According to Moneycontrol Data, IOB posted a total income of ₹9,112.67 crores in Q4 FY25, showing its strong financial presence.

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) is a unique 8 to 9-digit number provided by the bank.

It helps IOB manage all your accounts and services under one umbrella. Whether you hold one account or five, the Customer ID remains the same.

It’s different from your Login ID or Account Number, and you’ll need it to access many services.

So, Where is Customer ID Used in IOB?

• 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
• Activating UPI or linking your account to third-party apps

Now you understand how important it can be. So let’s find out about all the methods to find it quickly. starts with one of the easiest ones –

1. Know Customer ID By IOB Netbanking

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 –

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, and Email ID.
   • 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.

3. Check Bank Documents: Welcome Kit, Passbook & More

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.

4. Nothing Works: Call IOB Customer Care

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.

FAQs

I hope this guide helped you find your Bank Customer ID quickly and easily. Whether you’re like Rohit from Alwar or just trying to open a PDF statement, the methods shared above will save you time and hassle.

If you found this article helpful, do share it with your friends, leave a comment below, or explore our other banking guides.

>Check our complete list of Bank Customer ID Guides here