SBI USSD Code

Overview

The SBI (State Bank of India) USSD code is a convenient way for customers to manage their banking needs using their mobile phones without internet connectivity. This service allows users to perform a variety of banking operations by simply dialling a USSD code, making it especially useful for those in areas with limited access to the internet or high-speed data.

Using SBI USSD Code

What is a USSD Code?

USSD (Unstructured Supplementary Service Data) is a protocol used by GSM cellular telephones to communicate with the service provider’s computers. It is commonly used for WAP browsing, prepaid callback services, mobile-money services, location-based content services, and menu-based information services.

Requirements

To use SBI’s USSD banking services, you need:

• An account with the State Bank of India.
• A mobile number registered with your SBI account.
• A compatible GSM mobile phone.

How to Use SBI USSD Code

1. Dial the USSD Code: To begin, dial *99# on your mobile phone. This is a universal code used across India for various banking-related inquiries and transactions.

2. Choose Your Bank: After dialling, choose your respective bank by entering the first four letters of the bank’s IFSC code. For the State Bank of India, you would enter ‘SBI’.

3. Main Menu Options: Once you’ve selected SBI, you’ll see a menu with options such as:

   • Check Balance
   • Mini Statement
   • Fund Transfer using Mobile Number and MMID
   • Fund Transfer using IFSC and Account Number
   • Know MMID
   • Change MPIN
4. Follow Instructions: Follow the on-screen prompts to complete your transaction. Each option involves entering further details, such as account numbers, mobile numbers, or MPIN (Mobile Personal Identification Number).

Activation & Deactivation

• Activation: There is no separate activation process for using SBI USSD services beyond ensuring your mobile number is registered with the bank. Simply follow the steps above to use the service.

• Deactivation: To stop using the USSD service, you may need to contact your mobile service provider or your bank, although generally, ceasing to use the service acts as a de-facto deactivation.

Tips to Avoid Common Mistakes

• Ensure your mobile number is correctly registered with your SBI account.
• Double-check all numbers (such as the recipient’s mobile number or the MMID) before confirming transactions to avoid sending funds to the wrong account.
• Keep your MPIN confidential and never share it with anyone.

Additional Notes for South African Users

While SBI USSD services are fundamentally designed for users in India, those residing in South Africa with accounts in SBI India can use roaming features provided by their mobile operators to access these services. However, users must be aware of potential roaming charges that apply when accessing USSD services from abroad.

For South African mobile network users, checking with your local service provider on USSD connectivity and international rates can be beneficial. This ensures uninterrupted access to SBI’s USSD services while avoiding excessive charges.

For more details and updates on SBI USSD services, users can visit SBI’s Official Page to ensure they have the latest information and access to this convenient banking solution.