How to use USSD Based Mobile Banking for All Banks (Full Guide)

USSD Based Mobile Banking , *99# Banking Service, All Banking Service Offline,Mobile Banking,*99# USSD Mobile Based Banking .Now India is moving towards and dreaming for Cashless Economy (Corruption Less) , and the recent Demonetization of 500/1000 Rs Notes is also helping in achieving PM Narendra Modi’s dream of Digital India. Many Smartphone users have already moved to Digital Wallets for paying at Food Stores,Retail Stores,Shoppings, Petrol pumps, or for Making Electricity/Landline/Postpaid Bill Payments, Mobile, DTH and Data Card Recharge,also For Cab,Travels,Hotel Booking .

Above All Facilities is Used by Person who has Smartphone & Internet Connections ,but for the person who lives in Rural Areas & have only Simple Phone without Internet Connection what they do ,how they use Mobile for Banking,thats why today we Informing you New Service called USSD Based Mobile Banking .This Process is easily used in Normal Phone /Smartphone without Internet Connection

Regional language support in USSD Based Mobile Banking >>

The *99# USSD Based Mobile Banking aims to make mobile banking easier for rural users, especially the non-English speaking ones. USSD Based Mobile Banking is available in 11 regional languages and can be accessed in the desired language using the following short codes.

  • Hindi (*99*22#)
  • Marathi (*99*28#)
  • Bengali (*99*29#)
  • Punjabi (*99*30#)
  • Kannada (*99*26#)
  • Gujarati (*99*27#)
  • Tamil (*99*23#)
  • Telugu (*99*24#)
  • Malayalam (*99*25#)
  • Oriya (*99*32#)
  • Assamese (*99*31#)

Getting started with USSD Based Mobile *99# Banking >>

For using this Service,you have this Essential needs >>

  1. A BankAccount .
  2. A Normal Phone/Smartphone .
  3. Mobile No. Register With your Bank .

In case your phone number isn’t registered with your bank, you’ll have to visit your Bank branch and fill a form to register and link it with your Bank Account. Once that is done, you’ll have to generate Mobile Money Identifier (MMID) number. It is a random seven-digit number issued by the bank.The MMID is usually sent to you from the bank after you register for Mobile Banking .

Also Check >> Save upto 250 Rs On BookMyShow by Freecharge (Hurry up) .

How to use USSD Based Mobile *99# Banking codes >>

  • First Of all open the dialer app on your phone, type *99# and dial from your Registerd Mobilr Num.


  • You will see the welcome screen after which you will have to enter first three letters, or IFSC code or 2-digit bank code followed by send.


  • For Vijaya Bank type VIJB
  • For Bank Of India type BOI
  • For State Bank of India type SBI
  • For ICICI Bank type ICI
  • For HDFC Bank type HDFC

How To Check Account Balance >>

After entering Short Codes >> you get new Screen look like >>


You Get this Ordered List ,Just Enter No what you want to do & Send ,as current I want to check my Account balance I enter 1 in textbox & click Send Buton,I get instant balance  .img_20161223_095202

How to Get MMID >>

Just type *99# then Short Key of Bank ,then you see Ordered List ,I enter 6 in Textbox and Send >> Show MMID >>



How to transfer money using MMID by USSD Based Mobile Banking Codes >>

I used Vijaya bank account to send money to my friend using his MMID number .

Step 1 > Dial *99#, type bank short name, and when the interface opens, enter 3 and click send .


Enter Beneficiary Mobile no ,i just enter my friend registered Mobile No .


Then , i have to enter My friend MMID(7 Digit) >>


 Next, you need to enter amount and remarks (separated by space). For instance, I transferred Rs 5 to test how this worksso it looks like “ 100 Test1 ”


In the final step, you have to enter your MPIN to authorize the transaction and last 4 digits of your account number (separated by space), and tap on send . That’s it, once your transaction is authorized, the money will be instantly credited to the recipients account .


USSD Based Mobile Banking limitations >>

While the service does enable non-smartphone and non-internet users to send money using their phones, it is quite a tedious process. To begin with, once the USSD popup notification arrives, you have to respond within 10 seconds, or the process will get cancelled. When I was testing, I struggled to reach to step five as it would often throw an error saying External application down.’ It gets quite annoying as you have to start over again, and again at such times. Having said that, the service still seems in its nascent stages and improvements could be expected going forward .

Also Check >> Spend 1 Rs & get 50 Rs instant on PhonePe (Flipkart Group App ) .

USSD banking daily transaction limit and charges >>

According to the Reserve Bank of India (RBI), the USSD Based Mobile *99# Banking payment method can be used for sending money as low as Rs 1, and as much as Rs 5,000 per transaction. Coming to charges, you will be charged Rs 0.50 per transaction, which will be added in your mobile bill. The service works 24 hours a day and 7 days a week. However, carriers have waived off the transaction charges till December 31.



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