How to Access or Use Bank Account Online?

If you want to use or access your bank account online in India. Then you can do that with the help of the internet banking portal and mobile banking application. Almost every bank in India offers these two things to its account holders.

Here you should note that each and every bank be it a private sector bank or a public sector undertaking bank. Every bank has it’s own internet banking portal and the mobile banking application. If you try to use your bank account in another bank’s portal or app you can not do that.

You have to make sure that you are on the right website. Or using the right mobile banking application before you start using your bank account online. If you want to use the internet banking of your bank. Then just visit the official website and open the Internet Banking section of the website.

And if you want to use mobile banking facility. Then download and install the official mobile banking application of your bank. If you are using an Android device. Then install the app from the Google PlayStore only. In the case of iOS users, you can install the application from the iTunes Store.

While installing the application also make sure that you check the name of the publisher of the app correctly. Install the application only if it is an official application published and maintained by your bank. You should not enter your username or password on any unofficial application or website.

Ways to Use Your Bank Account Online

Steps to Use Bank Account Online

I have explained both the ways to use your bank account online below. If you want to use internet banking then you should first activate or register for internet banking. This can be done from the official website of your bank. In the case of a mobile banking application, you will get on-screen instructions to start using it when you install and open the application.

Internet Banking

Steps to Access Bank Account using Internet Banking:
  1. Visit the official website of your bank.
  2. Find the internet banking or net banking or login section of the website.
  3. Enter your username or user id or customer id.
  4. Enter your password.
  5. Solve the captcha or the security question.
  6. And click on the login button.
  7. Once you have logged in you can use your bank account online.

Mobile Banking

Steps to Access Bank Account using Mobile Banking:
  1. Download and Install the official mobile banking application of your bank.
  2. Open the application.
  3. Enter your login details into the app.
  4. Once you have successfully logged in you can use your account using the app.


This is how you can access or use bank account online. Ensure that you have an antivirus installed and running on your computer before you start using internet banking. Never share your account details with anyone. And nobody from the bank will ever call to ask your details. For more information about the official website and mobile banking application call the customer care of your bank.  Read this guide for offline methods to use a bank account.