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Free Mobile Banking USSD *99#

National Unified USSD Platform *99# is the free mobile banking application number where you do not need to download an mobile banking application and it works on any mobile number and Branch Free Bank Free Banking.

Features of USSD

  1. Works well on Any Mobile
  2. Zero balance is also enough
  3. No Service charges or SMS Charges
  4. No application Installation.
  5. Use it on Any Mobile Number (Non Mobile banking Registered Numbers Also).

Network Support

Currently BSNL, MTNL are supported.
Airtel, Aircel, Vodaphone, Tata Docomo, Idea, Reliance network supports are to be added soon.

How to use it

Take any BSNL Working SIM Enabled Mobile.
Dial *99#
star 99 hash
You will see a Welcome screen with Following Message
welcome National USSD
Welcome to National Unified USSD Platform for Mobile Banking.
Please enter your 7-Digit MMID.
Here you need to enter your MMID to start with.
You can test with my SBI MMID “9002590
sbi MMID
Next Screen will show you the Options similar to Mobile Banking Applicationsbi ussd
  1. Enquiry
  2. Fund Transfer
  3. IMPS – Mobile to Mobile Transfer
  4. Mobile Topup
  5. Change MPIN
  6. Forgot MPIN
88 More

88 more screen
More Screen will show you additional Options
6. Forgot MPIN
7. De-Register
00. Back
This article may is written with the intention to start using this USSD Banking Free Service.
Thats it.


  1. I want to use it, on further going into the menu it ask for user ID and MPIN. I have Mobile banking facility of SBI on application base. As you know SBI provides this facility on Four bases namely 1.Application 2.WAP 3. USSD 4.SMS. Can I use this service by using the user ID and MPIN of application base or I have to take mobile banking facility from SBI on USSD base as we can use this service on only one plateform at a time,

    1. You dont need to Disturb the Mobile Banking, It will work independantly as It is.

      For this One You need MMID.

      Generate MMID by SMS

      "MMID SBI"

    2. Yes Use the Same Mobile Banking UserID and MPIN for this

    3. Thanks a lot.

      I have taken mobile banking facility from SBI on a mobile no, Now I changed my SIM and taken MBS facility on new number on the same account. I wanted to have MMID for this new number but response message is this account is already link with another mobile number. I have to use that vary MMID or I have to obtain new MMID by cancelling the first one. Is there any messege forfat for cancelling the generated MMID in SBI.

    4. Sir MMID is Not needed to generate for New Mobiles or Changeing SIM.

      MMID is Unique ID Available for Your Account Number.

      Any how you can Cancel and generate new MMID.

      SMS Format

      Send SMS “MMIDCANCEL” to 9223440000 to cancel your MMID.

      Then To generate NEW

      Send SMS “MMID SBI” to 9223440000 to retrieve your MMID.

    is invalid SMS format. Please check and advise.
    There is one more problem in using *99# is when we try to enter the user ID, keypad active is only numerals where as in SBI user ID is alphanumeric- 3 alpha and 3 numeric digit, now the problem is how to enter the user ID. What should I do to enter the user ID. I tried on Samsung Galaxy Ace and nokia mobile phones.

    1. SMS “MMID CANCEL” to 9223440000

  3. This ussd *99# will not work Internationally. Only Indian Mobile numbers can Enjoy this