(Updated)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#)

Check FAQ’s > National Unified USSD Platform Faqs – ICICI Bank Answers

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 .

Now this Service work Well !

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 Mobile 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

Also Check > How to Get upto 300 Rs Cashback on 300 Rs Bill Payments only on Freecharge (New Users)

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 Generate 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 100 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.


Also Check > How to Get 25% Cashback on 1st Transaction + Earn 25 Rs per Referral on Payzapp [Proof Added].

How to Set/Reset UPI PIN >>

You can set/reset UPI PIn .

Step 1 > Dial *99# on your phone.You get this home interface.Then Enter 7 and tap on Send.


Step 2 > Select 1 for set/reset the UPI Pin then Send it again.

Step 3 > Enter Last 6 Digits of Card & Expiry Date & then Send it Again.

Step 3 > Just enter your New UPI Pin & Send it , & again Re-Enter your UPI pin and Send it,your UPI Pin is Set Now.

You have option to Change your UPI PIN >
  1. Dial *99#,enter 7 & Send it.
  2. Then Enter 2 and Send.
  3. Enter your old UPI PIN and Send it again.
  4. Enter your new UPI PIN.
  5. Confirm your new UPI PIN. Done ! Your UPI PIN will be changed.

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