*99# Mobile Banking Service: Know the Features & How it Works

The *99# mobile banking service is a USSD-based banking solution that lets you check your bank account balance, transfer money and access banking services instantly without internet or smartphone. You simply have to dial *99# from your mobile phone and that it. 

Isn’t it interesting? Read on to understand what it is and how it works in depth. 

What is *99# Mobile Banking Service? 

The *99# mobile banking service (commonly called star 99) is a USSD-based banking system launched by NPCI that allows users to perform basic banking transactions without needing mobile data or a smartphone. 

Here’s a simple way to understand it: 

Imagine you’re traveling in a rural area with no internet and you urgently need to send ₹500 to a friend. Instead of waiting for connectivity, you can just dial *99# and complete the transaction in seconds.  
This service works across most Indian banks and is part of the broader UPI ecosystem making it reliable, fast, and inclusive. 

According to NPCI, this service was introduced to enable digital banking access for millions of feature phone users in India. 

Features of *99# Mobile Banking 

Here’s what makes star 99 a practical and powerful tool: 

• No Internet Required: You can use *99 banking services even in low-network areas. 

Example: A farmer in a village can check his account balance without needing mobile data. 

• Works on Any Mobile Phone: Whether it’s a keypad phone or smartphone, it works seamlessly. 

• Multi-Language Support: Available in several Indian languages for ease of use. 

• Bank Interoperability: Most major banks support *99 banking services, so you’re not restricted to one bank. 

• UPI-Enabled Transactions: Send or receive money using UPI ID, account number, or mobile number. 

• Secure Transactions with MPIN: Every transaction require authentication. 

Example: Even if someone accesses your phone, they cannot transfer money without your MPIN. 

• Quick & Menu-Based Navigation: The interface is simple and easy to use. 

Services You Can Use on *99# 

The *99 mobile banking service allows you to perform multiple banking actions: 

• Check Account Balance 

Example: Instantly verify if your salary has been credited. 

• Mini Statement 

View recent transactions without visiting a bank branch. 

• Send Money (UPI / Account Number / Mobile Number) 

Example: Transfer ₹1,000 to a shopkeeper using just their phone number. 

• Request Money 

Useful for splitting bills with friends. 

• Check UPI PIN Status 

Ensure your account is ready for transactions. 

• Change MPIN 

Update your security PIN anytime. 

• Check IFSC & Account Details 

Helpful when filling out forms or sharing bank info. 

According to the Reserve Bank of India (RBI), such digital banking solutions have played a key role in increasing financial inclusion and reducing dependency on physical banking. 

How to Use *99# Step-by-Step? 

Here’s how you can start using star 99: 

1. *Dial 99# from your registered mobile number 

(Example: Dial it just like making a call) 

2. Select your preferred language 

3. Enter your bank name or first 4 letters of IFSC 

(Example: Type “SBIN” for SBI) 

4. Choose the service you want 

(Example: Select “1” for balance inquiry) 

5. Enter required details 

(Example: Enter amount and receiver’s mobile number for transfer) 

6. Enter your MPIN to confirm 

7. Receive confirmation instantly 

(Example: You’ll see a success message for your transaction) 

Let’s understand this with a real-life scenario: If you’re at a local market and need to pay ₹300 but your UPI app isn’t working due to poor internet, *99# can complete the payment within seconds. 

Final Thoughts 

The *99# mobile banking service is a simple yet powerful innovation that ensures banking is accessible to everyone, regardless of internet access or smartphone availability. 

From sending money in remote areas to checking balances on the go, star 99 proves that digital banking doesn’t always need data—just a basic phone and a few taps. 

As India continues its digital journey, *99 banking services remain a critical bridge between traditional and modern banking making finance truly inclusive. 

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FAQs on *99# Mobile Banking Services 

Do I need a smartphone or internet for *99#? 

No, you don’t. The *99 mobile banking service works on any mobile phone without internet using USSD technology. 

How do I check my bank balance using *99#? 

Dial *99#, select your bank, choose “Check Balance,” and enter your MPIN. Your balance will appear instantly on your screen. 

Is *99# service available 24/7? 

Yes, *99 banking services are available 24/7, including weekends and holidays, as long as your mobile network is active. 

Is *99# mobile banking safe? 

Yes, it is secure. It uses MPIN authentication and follows NPCI guidelines. Example: Even if your phone is lost, no one can access your funds without your MPIN.