Fake Indian Overseas Bank calls and apps

Stuck-remittance release fees, fake IOB apps and protected-account calls using the Indian Overseas Bank name, with steps to confirm.

A public-sector bank headquartered in Chennai, serving savings, deposit and loan customers, including many with overseas family ties. Because many people use it, scammers pretend to be Indian Overseas Bank on phone calls, in apps and on WhatsApp. This page lists the lies they usually tell and how to check before you act.

Lines used in fake Indian Overseas Bank calls and apps

Caller says relatives abroad sent money that is stuck and asks for a release charge
Fake IOB mobile app that needs SMS permission
Agent offers an education loan for study abroad after a file fee
Caller impersonating bank security asks you to move money to a protected account

How to verify it yourself

Open the IOB mobile app from the official store, or type the Indian Overseas Bank website into your browser. Money sent from family abroad shows up in your statement, so no one needs a release fee from you. Education loans are processed in a branch with documents you carry yourself. Bank security teams never ask you to move funds to a protected account. For anything on a card, rely on the number printed on it.

Quick checklist

Do not tap links or call numbers inside the message.
Open the official app, or type the official website yourself, and look for the same notice.
Never share an OTP, PIN, CVV or password with anyone, including "staff".
If money moved, call 1930 and your bank at once.

How Safeavio helps

Safeavio Sentinel's phone scan lists apps outside a store, risky permissions and settings such as unknown sources, and the Money Shield checklist slows you down before you send money. It cannot stop a call, but it helps you spot a fake app afterwards.

Check it before you tap or pay

Safeavio Sentinel is a made-in-India Android app: paste a message or link, or scan a QR code, and get a plain verdict with the reasons. It helps you spot a scam; it does not promise to stop every one.

Download for Android What the app does

Google Play listing: coming soon. Today the signed APK is on safeavio.com/download. Android 7.0 or later.

Questions

A caller says they are from Indian Overseas Bank. Is it real?

Treat it as unverified. Hang up and contact Indian Overseas Bank through its official app or the number printed on your card, bill or official website. Never install an app or share an OTP because a caller asked.

Can Indian Overseas Bank ask me to install an app on a call?

Be very careful. Scammers use screen-sharing and fake apps to watch your screen and read OTPs. Install apps only from the official store listing that you find yourself, never from a link or a caller.

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Indian Overseas Bank is a trademark of its owner. This page is not affiliated with or endorsed by Indian Overseas Bank; it only describes how scammers pretend to be it.