Text size:
S M L
Letter spacing:

Get App

FinFIRST Blogs

Savings Account

How to check all your bank balances with the IDFC FIRST Bank Mobile Banking App

Key Takeaways

You can now check all your bank balances in seconds with the secure, RBI-regulated Account Aggregator framework.
The IDFC FIRST Bank Mobile Banking App lets you go through all your bank balances without logging into multiple apps.
Traditional methods like SMS alerts and ATM slips are no match for a smart, unified account balance check.
With complete visibility, you avoid overdrafts, optimise idle funds, and make better financial decisions.

10 Nov 2025 by Team FinFIRST

Open an Account

Ever had that nagging feeling you’ve forgotten how much money is sitting in one of your bank accounts right when you’re about to make an important payment? Whether you're a professional with a salary and savings accounts, a freelancer juggling multiple banks, or a business owner tracking cash flow, the struggle is real.

You’re constantly logging into different apps, going through SMS alerts, or even searching for your bank’s phone number for an account balance check. All this effort just to complete a check of all your bank balances — it’s time-consuming and, honestly, outdated.

This scattered view can lead to missed payments, overdrafts, or even idle funds earning low interest. Thankfully, there's a smarter, faster, and more secure way to check your account balance for every bank, all in one place — without the chaos. Let’s find out how.

8 practical money-saving tips to achieve your financial goals

What is Monthly Compound Interest?

Frequently Asked Questions

What can you do with an NRI account?

An NRI bank account is specially designed to cater to the needs of NRIs. With an NRI account, you can seamlessly send money from abroad, repatriate funds from India, make investments, avail of loans and insurance, conduct a wide range of financial transactions, etc.

Can I open an NRE and NRO account at the same bank?

Yes, you can open both accounts at the same bank.

Can I convert a regular savings account to an NRE account after becoming an NRI?

No, your regular savings account can only be converted to an NRO account. If you need an NRE account, you must open a new one.

The chaos of multiple bank accounts

Most people now hold multiple bank accounts across different institutions. One for salary, another for savings, maybe a third for joint use, and even one more for business or investments. The result? A scattered financial life that often looks like this:

1. Missed balances and surprise overdrafts

When you can't do a quick check of all your bank balances, it's easy to lose track of how much is available - leading to failed UPI payments, accidental overdrafts, and unpaid credit.

2. Idle funds in low-interest accounts

Without visibility, you might have ₹20,000 sitting in an account earning just 2.5% p.a., while your high-interest savings account lies underfunded.

3. Time wasted on fragmented tools

You’re jumping between mobile apps, net banking portals, and even searching for your bank’s phone number for an account balance check. It’s tedious and prone to errors.

4. No single overview of your finances

Without a consolidated view, it's difficult to get a real-time picture of your total bank balances — thinking you’re short on funds when you’re not or ending up overspending.

5. Difficulty in planning and budgeting

When money is scattered across different accounts, it’s hard to set clear budgets or track spending patterns. You may miss recurring debits, or struggle to allocate funds effectively for goals like savings, investments, or emergencies.

When you’re managing multiple bank accounts without a unified view, it often leads to financial blind spots, missed opportunities, and unnecessary stress.

The old ways of checking bank balance (and why they don’t work anymore)

For years, people have relied on different methods to do an account balance check. While they get the job done, each comes with its own limitations, making it harder to keep track of all bank balances in one go. Here are the most common ways:

1. All bank missed call balance services

Most banks let you check your account balance with a simple missed call. But if you have multiple accounts, remembering which number belongs to which bank becomes confusing, and you still don’t get a consolidated view.

2. SMS alerts

Most, if not all, banks solve your balance queries via SMS updates as well, especially after conducting transactions. While convenient, these alerts often get buried under promotional texts or arrive with a delay - making them easy to miss.

3. Net banking and mobile apps

When you hold accounts with several banks, it means juggling multiple usernames, passwords, and OTPs. It’s secure, but also repetitive and time-consuming.

4. ATM balance enquiry

Some people still use ATMs to do an account balance enquiry. This works if you’re already at an ATM, but it’s not practical for daily checks or to see all bank balances.

And that’s exactly why a smarter, more unified way of doing a check of all your bank balances is needed.

Enter the Account Aggregator framework — the game-changer

Managing multiple accounts should not be complicated. That’s why the Reserve Bank of India (RBI) introduced the Account Aggregator (AA) framework in 2016 — a system designed to give you a single, secure view of your financial information across institutions. Here’s how it works:

Role	What it means for you	Example
Financial Information Providers (FIPs)	These are institutions that hold your financial data	Your savings account bank, credit card company, or mutual fund platform
Financial Information Users (FIUs)	These are apps or banks that need your data to give you a service	The IDFC FIRST Bank Mobile Banking App showing all your balances
Account Aggregator (AA)	A secure “messenger” that passes your data between FIPs and FIUs — only if you say yes	The RBI-approved platform that connects your bank accounts to the IDFC FIRST app
Your consent	Nothing moves without your permission. You decide what to share, with whom, and for how long	You can link only two accounts instead of all, and revoke access anytime

The most important part of the AA framework is consent. Nothing is shared unless you specifically allow it, and you can choose exactly what data to share and for how long. Every exchange is encrypted and governed by RBI guidelines, making the framework both safe and transparent.

If you’re tired of juggling SMS alerts, ATM slips, or multiple apps just to check all your bank balances, the AA framework is a much-needed upgrade.

Enter IDFC FIRST Bank: Your smart financial hub

The power of the AA framework truly comes alive when you use the IDFC FIRST Bank Mobile Banking App. By simply opening an IDFC FIRST Bank Savings Account, you get access to the ‘Connect All Banks’ feature — a smart, secure way to bring all your accounts under one roof.

No more juggling between apps or making calls to check balances. Instead, you get complete visibility into your financial life, with powerful tools that do more than just show numbers — they help you take control.

Here’s how:

1. Get a 360° view of your finances

With just one login, you can check summaries and balances of all your linked accounts across banks, including transaction histories, recent activity, and access to past statements — all in one place.

2. Track money movement in real time

Every deposit, withdrawal, interest credit, and even bank fee is logged automatically. You’re never in the dark when it comes to where your money is going — or coming from.

3. Streamline spending and cash flow

The app helps you analyse spending patterns, so you can cut down on wasteful expenses and manage your budget better. It also supports trade and cash management for small businesses and freelancers.

4. Link and monitor every account with ease

The ‘Connect All Banks’ feature is powered by RBI’s AA framework. It lets you link multiple accounts securely, view them anytime without switching apps and check all bank balances in one place.

5. Do more with your money, in fewer steps

Generate smart transaction summaries, add funds instantly from other banks, automate bill payments, track upcoming expenses, and even start investing — all from the IDFC FIRST Bank Mobile Banking App. One dashboard, complete control.

Additionally, the IDFC FIRST Bank Savings Account makes your everyday banking not just easier, but also more rewarding.

6. Save more, earn more

Enjoy up to 7% p.a. interest on your savings — one of the highest rates in the market — and watch your money grow faster with monthly interest credits and progressive slabs: 3.00% p.a. up to ₹5 lakh, 7.00% p.a. above ₹5 lakh up to ₹10 crore, 6.00% p.a. above ₹10 crore up to ₹25 crore, 5.00% p.a. above ₹25 crore up to ₹100 crore, and 4.00% p.a. above ₹100 crore.

7. Globally recognised for customer trust

Put your trust in a financial institution that was named one of the World’s Best Banks 2025 by Forbes, thanks to its customer-first approach, innovation, and transparency.

With a unified view of your money, intelligent tools for smarter decision-making, and a feature-rich savings account, IDFC FIRST Bank gives you more than just access — it gives you financial control.

How to check all your bank balances on your mobile phone with IDFC FIRST Bank

Checking all your bank balances on your phone doesn’t have to mean switching between apps or searching for missed SMS alerts. With the IDFC FIRST Bank Mobile Banking App, you can check all your bank balances in seconds, securely and seamlessly. Here’s how to set it up:

1. Open the IDFC FIRST Bank Mobile Banking App

Navigate to the “Savings” tab and tap on “Connect All Banks” or,
Tap the “Accounts” icon at the bottom of your screen, and then select “Connect All Banks” on the next screen or,
If you’re inside your savings account view, scroll down and tap “Link other bank accounts”

2. Verify your mobile number

Tap Proceed and enter the OTP sent to your registered mobile number. The app will fetch the list of bank accounts linked to your mobile number.

3. Select and link your accounts

Choose the bank accounts you want to view. Tap Proceed, and within 5–10 seconds, your selected accounts will be securely linked.

4. View all your bank balances at once

You’ll now see your total balance across all linked accounts, along with the individual balances for each bank — all within your IDFC FIRST Bank Mobile Banking App.

The real-life benefits of unified balance visibility

The AA framework of the IDFC FIRST Bank Mobile Banking App turns scattered financial data into actionable insights, helping you make better decisions every day.

1. Avoid failed payments and overdraft charges

With a single tap, check all your bank balances and ensure you have enough funds before making a UPI transfer, paying EMIs, or setting up autopay — no more surprises.

2. Make the most of idle money

Spot money sitting in low-interest accounts and move it to your IDFC FIRST Bank Savings Account, which offers up to 7% p.a. interest. No more missed opportunities.

3. Plan better, spend smarter

Whether you're budgeting for rent, tuition, or investments, having a complete view of your finances allows you to allocate funds wisely. No more overspending.

4. Streamline business cash flow

If you’re a freelancer or business owner, monitor your income and expenses across multiple accounts — all from one screen — no more missed vendor payments.

5. Track spending patterns effortlessly

Analyse transaction history across banks in one place and identify trends — so you know where your money is going or where to cut back. No more guessing.

One secure app, all your balances, and full visibility — that’s the power of smarter banking.

Why choose IDFC FIRST Bank for smarter balance tracking

If managing multiple accounts feels overwhelming, switching to a smarter, more unified system can ease that stress. With the IDFC FIRST Bank Mobile Banking App and its ‘Connect All Banks’ feature, you get real-time visibility across all your accounts, paired with the powerful benefits of a high-interest savings account.

With complete balance visibility and a future-ready banking experience, IDFC FIRST Bank helps you stay in control of your money — not the other way around.

Ready to simplify your finances and see all your bank balances in one place? Open your IDFC FIRST Bank Savings Account today.

Frequently Asked Questions

Can I use the ‘Connect All Banks’ feature without opening an IDFC FIRST Bank Savings Account?

No, you need to open an IDFC FIRST Bank Savings Account to access the ‘Connect All Banks’ feature through the IDFC FIRST Bank Mobile Banking App.

How secure is the ‘Connect All Banks’ feature for an all-bank balance check?

It’s powered by the RBI-approved AA framework, ensuring end-to-end encryption and full user consent to securely check all your bank balances.

How often is the account balance updated?

Balances are refreshed in real-time or at regular intervals based on your consent. You always see your account balance results as per the latest available data.

Will I see my full transaction history for all linked accounts?

You’ll be able to see recent transactions and summaries. Historical statements depend on the connected bank’s data-sharing policy under the AA framework.

Can I check all my bank balances if my mobile number isn’t linked to an account?

No, only accounts linked to your mobile number can be fetched through the AA framework via OTP authentication.

Disclaimer

The contents of this article/infographic/picture/video are meant solely for information purposes. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. The information is subject to updation, completion, revision, verification and amendment and the same may change materially. The information is not intended for distribution or use by any person in any jurisdiction where such distribution or use would be contrary to law or regulation or would subject IDFC FIRST Bank or its affiliates to any licensing or registration requirements. IDFC FIRST Bank shall not be responsible for any direct/indirect loss or liability incurred by the reader for taking any financial decisions based on the contents and information mentioned. Please consult your financial advisor before making any financial decision.

The features, benefits and offers mentioned in the article are applicable as on the day of publication of this blog and is subject to change without notice. The contents herein are also subject to other product specific terms and conditions and any third party terms and conditions, as applicable. Please refer our website www.idfcfirst.bank.in for latest updates.