# IOB Connect-Mobile Banking App — user reviews > 28 indexed App Store user reviews of IOB Connect by IOB, rated 3.50/5 from 22 ratings. - Source: https://appshunter.io/ios/app/iob-connect-mobile-banking-app/id6742623314/reviews - App overview in markdown: https://appshunter.io/ios/app/iob-connect-mobile-banking-app/id6742623314.md - Rating breakdown: 5★ 11 · 4★ 1 · 3★ 3 · 2★ 1 · 1★ 6 ## Newest reviews (8 of 28) ### 3/5 — Enable UPI *2026-07-08* Definitely the app design and Ui has got way better However with this new version. I’m not sure why the bank is pushing us to enable UPI I mean I don’t want that service. I want to just use the traditional features and that’s it. There is no skip or close for this and I’m unable to use the app hence the rating ### 3/5 — No Sim Found *2026-06-18* I have come to USA on holiday and find that I cannot connect to IOB connect after facial recognition. It says no SIM found. But for SBI Lite Yono app it gets connected after facial biometrics . I wish IOB Connect can do something about it which will be useful for customers going abroad. ### 2/5 — Pathetic application *2025-12-16* Needs so much improvement. Definitely better than the older version but problem still exists and its annoying when the app can’t even load basic details and calling their support is another task I don’t really know how to get in touch with them ### 3/5 — Money can’t transfer to other *2025-11-25* Money can’t transfer to other account . It showing some error like account no can’t blank. Pay from account is blank. No option is available. Please fix the bugs as soon as possible ### 3/5 — Long waiting time *2025-11-01* The overall app is really great. But most of the time it takes lot of time for loading and showing it’s services. And sometime after loading it just say unable to open please try again. Please fix it ### 2/5 — Need attention *2025-08-14* Hey, I have been using the new app for a month and the user experience is good but many functions are not working as expected. Especially the fund transfer i made a transaction using upi id three days back and when i am trying to do any upi transactions it throws error maximum thresh hold limit exerted but today i didn’t made any transactions. ### 2/5 — Need Improvements *2025-07-28* When I open the app without turning on location, it won’t opening shows the error message to use UPI need location access. This is not a good thing because most of the users using UPI in third party apps. Other issue I’m facing is I’m unable to view the loans details in the loans tab. So please fix this issues this is very annoying. ### 3/5 — Needs 2.0, *2025-07-05* Dear developers, with better interface, it needs better server too. Please make it easy, I am trying since last 7 minutes for log in n 5 times failed quoting time out. Or better use better server. If I want to use built-in UPI Scanner, I can’t use bcz while log in in app only takes 2-3-4-5 times request time out then you can imagine the difficulties to customers. Hoteliers can’t serve half cooked food to their customers likewise it is expected from you too to serve with better quality applications. Your name carries heavy words like INDIAN OVERSEAS BANK. Thanks! ## Most critical reviews (10 lowest-rated) ### 1/5 — Registration failed *2026-07-26* I have been unable to register on this app for the past one month despite trying multiple times. The registration process consistently fails, making the app completely unusable. I have already tried all the basic troubleshooting steps, but nothing has worked. Please fix this issue as soon as possible and improve the user experience. Kindly help me to resolve my issue **Developer response:** please contact us at https://spgrs.iob.bank.in/comp/self with your contact details and relevant screenshots, in order for us to help you. ### 1/5 — Very bad *2026-06-28* This is the worst app I have ever used. If you live in Kerala and use a BSNL SIM, you simply cannot register for this app. First of all, registration is only possible on a mobile network, not on Wi-Fi. Second, it requires an SMS verification. Once the SMS is sent, the BSNL internet goes down for about a minute, causing the app to show an error. Even if you try to send the SMS twice, it hits the daily limit and shows a warning. Under these conditions, registration is impossible, which is incredibly frustrating. ### 1/5 — Bug full application *2026-06-16* I tried installing and using the IOB mobile banking application, but the experience has been very frustrating. The app requests access to all contacts on my phone, and it is not clear why a banking application requires this permission. This raises privacy concerns. The SMS verification process is also problematic. For security reasons, the input fields are masked, making it difficult to troubleshoot verification issues. On iPhone, the verification SMS is being sent as an iMessage, and there is no option within the app to change this because the input is hidden. Even after multiple attempts, when verification finally succeeds, the app frequently crashes and becomes unusable. As a result, I have been unable to access or use the app properly. I hope the developers address these issues, improve stability, and provide more transparency regarding permissions and the verification process. **Developer response:** Hi, Thank you for contacting us, Contact access is optional, and users can opt out of it, its not mandatory to access the app. Disabling iMessage can be done from the phone's settings Settings > Apps > Messages. ### 1/5 — Not friendly make it difficult *2026-04-27* Who designed this app? The app designer seems to have done a poor job. I'm surprised by how poorly the app is made. Nowadays, people can get really frustrated with such designs. An app should be user-friendly, but this one is frustrating. I tried to manage my limit, but there's no option for debit cards, only credit cards. On the internet banking website, why is there an acknowledgment option without a tick box? Due to this poor design, I'm unable to make my payment. Am seafarer i want to sent money am aboard and am middle of the sea i want trnsfer money i have wifi but no sim network what i will dooi?????? Any one please explaining ### 1/5 — Intrusive and Useless *2025-09-19* The only reason this app exists is to mine as much personal data from the user, not providing a good, usable experience. It is shockingly intrusive, severely lacking in features, and demands permissions it absolutely does not need simply to perform basic tasks. They killed a perfectly good app to force us into using this absolute piece of garbage. Whoever decided it would be a good idea to use obviously fake reviews to prop up this shoddy project: You’re the worst. ### 1/5 — Can’t login anymore *2025-08-24* It worked for a few weeks, but now it asks me to register for the app. Once registration is completed, the first time I try to login, it de-registers the mobile number and I have to register again. It goes in circles. It is broken. ### 1/5 — App is Broken *2025-08-20* App logs me out after when i try to log in. I get an sms that number has been deregistered. Please fix asap ### 1/5 — Unable to register for 10 days due to technical error *2025-07-15* I have had the old IOB app on my iPhone which worked like a charm and seamless.. on a given day it asked to use the new app and been trying to register. My device but it eventually fails sue to technical error after SIM validation… tried in different times but unable to proceed.. something the developer should look at and now u cannot use iob mobile anymore ### 1/5 — App login issue not yet started *2025-07-08* It’s is very difficult app to login itself it is not allowing me to connect it is tell me WiFi is not you need to have mobile data and also required my registered mobile sim to be available for doing the login and when I will start using it if I don’t have mobile data and my sim is on roaming I live in Dubai want to connect to iob app means what is the solution for this please explain asap ### 1/5 — a Disaster *2025-07-07* 1. Doesn't allows to login if location services not turned on. (using 4 different mobile banking none asks to enable location to login) 2. Upi enabled whenever logs in or open upi screen pop up asks to enable upi lite no way to opt out 3. Bug as a feature - Shows the account balance in pre logon screen if enabled ? Why !? Please hire a better team with good QA and testers. App looks and feels like a bunch of juniors want to do a camp fire. ## Most praised reviews (10 highest-rated) ### 5/5 — User Friendly Interface *2026-06-17* The app is very user friendly and all the major services are available. There is hardly any need to visit branch. Extremely satisfied. ### 5/5 — Best App for transfer of funds *2026-02-21* Have used quite a few apps but this stands out. Never have u ever faced a Big problem that lasted, they are doing a fabulous job in maintaining and updating the app continuously. Way to go Indian Overseas Bank!!! ### 5/5 — Mobile backing Application review *2025-09-24* Great app for managing my finances on the go! Very reliable and user-friendly banking experience. The interface is clean and neat and face I’d feature is super fast and hassle free and some time there is technical failure in the application ### 5/5 — Better than Old IOBMobile Application *2025-07-31* The newly updated IOB mobile banking application offers a highly improved user experience with a modern and intuitive user interface. The design is clean and user-friendly, allowing customers to navigate seamlessly across different sections. One of the most notable features is the wide range of options provided within the app, enabling users to perform various banking transactions with ease. Quick payment functionalities ensure faster and more efficient transactions, enhancing overall convenience. Additionally, the app allows users to add and manage new billers, which simplifies the process of paying recurring bills. The comprehensive set of features, combined with the improved speed and reliability, makes the new IOB mobile banking application a robust and efficient platform for customers to handle their banking needs securely and conveniently. ### 5/5 — A must have for IOB customers *2025-07-15* I’ve been really impressed with the IOB Connect app. The clean, modern UI makes it so much easier to use compared to the website. It’s intuitive, responsive, and everything loads quickly without lag. I like and appreciate how easy it is to navigate through features — checking my account statement, deposit details, and PPF information takes just a few taps. Online transactions are also seamless which makes everyday banking really convenient. Overall, it’s made managing my finances much smoother. Great job by the IOB team! ### 5/5 — Next Gen Banking App *2025-07-08* One of the best apps I have ever seen across public sector banks with features as rich as available on fintech apps. Add funds to account via UPI , Aadhaar OTP for onboarding and PIN reset are making the app experience to the best. Well done IOB ! ### 5/5 — Amazing App- Great Upgrade *2025-07-08* Never ever in my life I thought i will be saying this about IOB mobile app. Amazing UI, Smooth and easy to use, have been using that old version for so many years, and never expected an upgrade like this. Few bugs here and there need to be fixed, but all in all a great app. ### 5/5 — Best MOBILE BANKING App by IOB *2025-07-08* The IOB Connect App has truly streamlined my banking experience. Here’s why I find it impressive: • All-in-one platform: From UPI transactions to accessing various banking services — everything is integrated. • Multi-bank convenience: I can link accounts from other banks and check balances effortlessly within this app. • User-friendly interface: Easy navigation and a smooth experience throughout. ### 5/5 — All-in-One Banking App – Simple, Smart & Convenient! *2025-07-06* IOB Connect App is very useful! It brings together all banking services in one place — from UPI to various banking products. What I love the most is that I can even add accounts from other banks and check their balances within this app. Everything I need is right here in one app. Great job, IOB! ### 4/5 — Logout Features *2025-08-18* The app has moved forward in design and usability, delivering a better user experience. It just needs solid logout and session-management features to balance aesthetics with strong security. If the logout and session controls are added, this would be a near-perfect blend of UI polish and security. For now, rate it 4.0/5 with the caveat that the logout feature is missing. **Developer response:** Hi there, thank you for contacting us, logout option is available, in home screen please check more tab in the bottom, once you're in the more section, you can check the last icon on the top right corner of the app to logout, on you can scroll down you'll get a logout option there as well. --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-09-01.*