Borrow Digital Loans from your home

Borrow - Digital Loans


Go one step further and accomplish your finances with one-of-a-kind loans on bob World and Baroda Connect app


Frequently Asked Questions (FAQs)

  • What is a bob World Digital SB Account?

    bob World Digital SB Account is a new age bank account offered by Bank of Baroda. Customer can open a bob World Digital SB Account by downloading the Mobile Banking App (M-Connect Plus) and registering using their Aadhaar number, PAN and other basic details. Customer can set up a mobile banking PIN and start using account immediately.

  • What are the features of bob World Digital SB Account?

    It is a fully Digital Bank Account brought to you by Bank of Baroda. Now open your account real time from comfort of your home at any convenient time through Mobile Banking Application (M-Connect Plus) and experience world of seamless digital banking.

  • What are the benefits of bob World Digital Account?
    • No need to visit the branch.
    • On account activation start transacting securely via Debit card, UPI, NEFT, IMPS and RTGS.
    • Get your virtual Debit card instantly on account opening
    • Physical Debit Card as per account variant will be dispatched to customer’s communication address after account opening.
  • What is the eligibility to open bob World Digital SB Account?

    All resident individuals (except Illiterate and Visually Challenged/ Blind Individuals) above the age of 18 years are eligible to open the account.

  • What documents are required to open bob World Digital SB Account?
    • Original PAN Card
    • Original Aadhaar Card
    • Mobile Number registered with Aadhaar
    • Valid E-mail ID
    • Mobile Banking Application: M-Connect Plus
  • Where can I find link for bob World Digital SB Account?

    All you need is to download M-Connect Plus mobile banking application and click on “Open Digital Savings Account” to open bob World Digital SB Account.

  • I do not have a PAN. Can I still apply for a bob World Digital SB Account?

    Unfortunately, we need your PAN to open your account.

  • I do not have an Aadhaar number. Can I still apply for an account?

    Unfortunately, we need your Aadhaar to open your account.

  • Can an account be opened with other KYC documents and not Aadhaar?

    Unfortunately, account cannot be opened with any KYC document other than Aadhaar.

  • My Mobile number is not registered with Aadhaar number. Can I still apply for an account?

    Unfortunately, we won’t be able to accept your account opening request as we will be unable to access your Aadhaar data without OTP authentication which is done through registered mobile number.

  • Can I hold my account jointly with another applicant?

    Unfortunately, this account is intended for a single user only, and cannot be held jointly. The permissible mode of operation is self only.

  • I have an existing relationship with Bank of Baroda, can I open bob World Digital SB Account?

    Currently, only new to bank customers can open bob World Digital SB Account.

  • My communication address is different from my Aadhaar address. Can I proceed further

    The address in the account will be as per address in your Aadhar.

  • Can I chose my preferred branch?

    Yes you are allowed to select your Branch as per PIN code in Aadhaar address.

  • I am not getting e mail verification link on your mail.

    Please check your junk email.Please check the email ID keyed in by you is correct.However you may request the bank to resend the link after 90 seconds.

  • I am not getting OTP

    There may be issue with your service provider, However you may request the bank to resend the link after 90 seconds.

  • Can I open account using a number which is not registered with Aadhar?/ My mobile is not registered with Aadhar ,can I open my Account ?

    This Account can only be opened by individuals only if the Mobile Number is registered with Aadhar.

  • My number is registered in more than 1 Aadhar of my family members, will I be able to open the Account for all my family members

    You will be able to open only one Account against a particular mobile number

  • Where will I get the link for scheduling my Video KYC?

    You will receive Video KYC Link on your E-mail and Mobile number used while filling up the online Account Opening Form. Also check your SPAM folder for mail from

  • What is the Unique Reference Number (URN)

    Unique Reference Number (URN) is sixteen digit random number generated through the system during account opening process. First six digits refers to the year, month and date.

  • What are the requirements for Video- KYC?

    Following are the requirements for Video KYC :

    • Original PAN Card
    • Original Aadhar Card
    • Pension Payment Order (PPO) uploaded during submission of Online Account Opening Application (Applicable only for Pension Accounts)
    • Web browser preferably Chrome and Safari (with Location permission in Settings)
    • Internet, Camera/Webcam & Microphone enabled Mobile/Device and Permission to access your device's location, camera and microphone.
    • Please make sure that you have a blank white paper with black/blue pen available during the Video KYC process to provide your signature.
    • Please ensure that you have uninterrupted data connectivity when you are going through theVideo KYC process.
    • Please ensure that your background is blank. Also ensure that your background is light in color (Preferably white) and no other person should come into the frame during the Video KYC process.
  • Whether I can schedule Video KYC at my convenience?

    Yes, you can schedule Video KYC as per your convenience during the Banking hours on working days. Please click on the Hyper-Link received on SMS or E-mailand it will prompt you to generate OTP. After generating OTP, you will be able to schedule the call.

  • When can I schedule my Video KYC?

    After clicking on the Hyper-Link you will be required to generate OTP which will be received in your registered mobile number. After keying the OTP, you can immediately start your Video KYC by clicking on “Start” button or schedule it as per your convenience by clicking on “Schedule Later” button, and selecting your preferred date and time slot from the options available.

  • What are the timings for Video KYC? When can I carry out the video KYC process? Is it available 24*7?/ Can I open my Account on Sunday.

    You can schedule your Video KYC from 10AM to 5PM on all working days except Bank Holidays.

  • How will I start my “Scheduled Video KYC”?

    You will get an SMS on your registered Mobile Number, -01- minute prior to your scheduled time. Click on the Hyper-Link in SMS and validate the same through OTP to start your Video KYC.

  • What are the steps involved in Video KYC?

    Our agent will carry out basic checks through video interaction. The agent will guide you through the process. Kindly keep your original PAN card, Aadhaar card, Operational Mobile number Registered with Aadhar number handy. Once the Video KYC is finished, you will receive an email to your registered email and text SMS in your mobile number informing the status of your application.

  • My Video KYC was rejected. Can I do it again?

    If Video KYC is rejected due to technical reason, you can do the Video KYC again however in case of rejection due to KYC related issues, account opening process through Video KYC will not be allowed. However you may approach the nearest branch of Bank of Baroda for further assistance.

  • What is the validity period for the Video KYC link?

    The Video KYC link sent by the bank would be valid till 72 hours.

  • Can I do VKYC account opening through my mobile phone?

    V-KYC process can be done through mobile phone by clicking on the link sent through SMS on your registered mobile number which is compatible across various mobile devices.

  • Can I complete VKYC through a web browser?

    Yes, VKYC can be done through the link that opens in a web browser. Make sure that you are using the Google Chrome / Safari browser (with location permission in settings) to carry out the video KYC process. There is no requirement for any video calling applications such as WhatsApp or Google Duo.

  • What will happen if the Video KYC process is suspended in between?

    In case the Video KYC process could not be completed, you can restart the video KYC process or if your account is open, you will receive a communication from the bank.

  • Why do I need to give consent for my camera and microphone?

    Since it is a video verifi¬cation process, the consent to use the camera and microphone is needed to proceed with the video KYC process. This is for veri¬fication purpose only and will not be shared with anyone.

  • What are the advantages of V-CIP?

    This is a contactless and paperless way to verify your identity. Best of all, you can do it without going to the branch, from the comfort of your Home.

  • Do I have to be in India to do my Video KYC?

    Yes, you need to be in India for the call, which will be verified through Geo- Tagging during Video KYC process. Kindly note that Video KYC is allowed for Indian resident only.

  • I am facing internet issue. Can I re-initiate the call?

    Yes. You can use the same link you used earlier to start the video call again. You also have the option to reschedule your Video KYC if you don't want to do it now.

  • What is the minimum internet speed required for Video KYC process

    You will require good internet speed preferably 70 kbps and above to complete the Video KYC process.

  • Do I need my Physical Aadhaar and PAN for Video KYC?

    As per current bank guidelines, for Video KYC process a customer need to physically possess the Aadhar and PAN card, and show it to the Agent when asked for.

  • I am not getting my OTP from UIDAI, what should I do?

    Due to some technical reason, there may be some delay however if OTP is not received for considerable time then you will be required to recheck AADHAR number keyed in the portal.

  • Why do I need to give access to my location for the Video KYC process?

    According to RBI guidelines, Video Based Customer Identification Process is available for Indian Residents only. Providing location access will help us ascertain your location. This is for verification purposes only and will not be shared with any one.

  • It says waiting for agent for my Video KYC. What should I do?

    Sorry for the inconvenience. This may happen due to heavy traffic on our platform, be online. As soon as the agent is available, your call will get connected.
    You also have an option to schedule your call to a later date it that's more convenient for you.

  • Will I get my account details instantly?/ I have completed the Video KYC process. When will I get my account details?

    After the Video KYC process is completedyour application will be processed, which will involve a back-end verification following Bank’s extant guidelines and if approved, you'll get the Welcome Letter and details regarding Other Services you have opted on your registered Email ID on T+1 Day.If declined, you'll be informed by email and text message.

  • Can I save my application and continue it later

    Yes, of course! All the information you’ve entered is regularly backed up to our servers. You may leave the app or close it at any point. When you return, you can resume from where you left off.

  • How long does it take to activate my new account?

    Opening & activation of a bob World Digital SB Account generally takes T+1 day.

  • How will I get my account details?

    Once the account is activated, you will receive Welcome mail on your registered Email ID along with your account details. The pdf file will be a password protected file which can be opened by inputting your PAN number.

  • I haven’t received my welcome kit. What do I do?

    You will receive Welcome Kit only if you have applied for the same at the time of account opening. Otherwise you will receive Welcome letter on your mail.

  • How do I start transacting?

    Immediately after generation of Account Number you will receive MPIN on your registered mobile number. Using the MPIN you can login in Mobile Banking and start transacting.

  • What is an MPIN and why do I need to set one?

    An MPIN is a Mobile Banking Personal Identification Number. You will need your MPIN to login to the Mobile Banking App to transact and access your account details.

  • How do I start using the Mobile Banking App once my account is activated?

    Once your account is active, you can log in to the Mobile Banking App by entering your Mobile number and one time MPIN. You will be prompted to change your MPIN.

  • How do I set password for my Net Banking?

    You can use your Debit Card credentials to register for Net Banking. You’ll need your card number, expiry date, CVV and PIN.

  • What is the minimum Balance that I need to maintain in the account?/ What are the charges for non-maintenance of Minimum Quarterly Average Balance?

    There are 3 Variants under bob World Digital SB Account

    Details B3 PLUS Account B3 EDGE Account B3 ULTRA Account
    Minimum Initial Funding Nil Rs 25000 Rs 50000
    Minimum Quarterly Average balance NIL Rs 25000 Rs 50000
    Non-maintenance charges  ( Quarterly) NIL Rs 150+GST Rs 500+GST
  • What is the maximum period of funding the Account?

    In case of B3 Plus Account at least one transaction in the Account is required to be done within 7 days of Account opening. For B3 EDGE and ULTRA Account the funding needs to be done within 30 days of Account opening

  • What kind of fees does the bank charge for opening a bob World Digital SB Account?

    The Account opening is complementary and bank doesn’t charge any fees for opening a bob World Digital SB Account.

  • How can I fund My Account.

    You can fund your account by requesting fund collection using UPI ID. Alternatively you can deposit cash uptoRs. 2 Lakhs at Cash Deposit Machines available in e-lobby of the branches of bank of Baroda. You can also fund your Account Debit Card or Net Banking of another bank. You can also share your VPA/UPI ID for collecting the funds from a third party. You can also deposit Cash at branch counter if the amount to be deposited is Rs. 1 Lakh or more. You can also deposit clearing cheques in your Account in Cheque drop boxes

  • How much money can I deposit into my Savings account?

    No such restriction in the account.

  • Can I get instant Debit? How do I apply for one?

    bob World Digital SB Account brings you a Virtual Debit Card which can be used by you to shop online, pay bills, recharge or use ‘Scan & Pay’ at merchant outlets. Yes, you will be given the choice for availing virtual card while account opening.

  • How can I withdraw cash through my bob World Digital SB Account?

    You can use card less withdrawal facility at any of the Bank of Baroda ATM by generating one time password transaction from your Mobile Banking. Per Day withdrawal limit is Rs 5000/.However Cash withdrawal can also be done using the Physical Debit Card if you have requested for same through Mobile banking.

  • Can I have a physical Debit Card/I don’t have a physical card? How do I apply for one?

    The request of Debit Card can be made through Digital channels (Mobile/Internet Banking) after opening of the account.

  • Which type of Debit card will be issued in my account? What will be charges/fee for Debit card?/Will I get complimentary Debit Card?/What will be maximum ATM withdrawal/Online spend limit through Debit Card.How many ATM withdrawals are free in a month?
    Card Type and particulars B3 PLUS Account B3 EDGE Account B3 ULTRA Account
    Debit card variant VISA Classic Debit Card VISA Platinum Debit Card VISA Debit Card
    Fee Free for 1 Year thereafter chargeable @ Rs 150+taxes Free for 1 Year thereafter chargeable @ Rs 250+taxes Free for 1 Year thereafter chargeable @ Rs 250+taxes
    Transaction limits Rs 25000/- per day ATM withdrawal & Rs 50000/- per day online spends Rs 50000/- per day ATM withdrawal & Rs 2,00,000/- per day online spends Rs 50000/- per day ATM withdrawal & Rs 2,00,000/- per day online spends
    Permissible count of ATM transactions Unlimited free transactions at any BOB ATM in India.
    Other Bank ATM-3 complimentary ATM withdrawals at Metro centers and 5 complimentary at non metro centers.
  • Can I apply for Cheque book?/Will I get free cheque Book/Will I get cheque book in my Account.

    No, Cheque book facility is not available for this account

  • What are the transaction limits in Mobile Banking (bob World)?

    Per transaction / per day / per week / per month limits are as under:

    Services Min. Amount per Transaction Max. Amount Per Transaction Max. Amount Per Day Max. Amount Per Week Max. Amount Per Month Max. No. of Transactions  Per Day
    Cash on Mobile 100 5,000 5,000 10,000 25,000 20
    Fund Transfer- Self Linked 5 Unlimited Unlimited Unlimited Unlimited 20
    Fund Transfer - Third Party 5 50,000 1,00,000 2,00,000 5,00,000 20
    Fund Transfer- IMPS/NEFT 5 50,000 2,00,000 5,00,000 15,00,000 20
    Recharge, Bill payment, Quick Bill Pay , Registered Bill Pay 5 25,000 50,000 1,00,000 2,50,000 20
    BobCards Credit Card Payment 5 50,000 1,00,000 1,00,000 2,50,000 20
    Fixed Deposit 1000 Unlimited Unlimited Unlimited Unlimited 20
    Recurring Deposit 1000 Unlimited Unlimited Unlimited Unlimited 20

    Note : For DTH recharges Minimum transaction is Rs.20/-

  • What are the transaction limits in Internet Banking (Baroda Connect)?

    Per transaction / per day limits are as under:

    Fund Transfer Limit in Baroda Connect Self-linked Account & Govt. Payments Shopping Mall/Third Party A/c
    (Rs. Amount in Lakhs)
    (Rs. Amount in Lakhs)
    Per Transaction Unlimited 7 10
    Daily Unlimited 10 15
  • How many beneficiaries can I add in a day in Internet Banking (Baroda Connect) for Funds transfer?

    Per day maximum limit for adding beneficiaries is as under:

    • for NEFT/RTGS : 5
    • for Third party transfer (within bank) : 3
    • for IMPS : 2
  • Can I make investments with bob World Digital SB Account?

    Yes, you can carry out investments through bob World Digital SB Account by using Insurance & Investment tab in M-Connect Plus app.

  • What kind of safety features does bob World Digital SB Account have?

    Your security is extremely important to us, and we've gone to great lengths to ensure it. Within the bob World Digital SB Account app, we use two-factor authentication (2FA) - a combination of Login password and Transaction Password (M-Pin) to protect against malicious external parties. All transactions that you make are constantly monitored for fraud, and our systems and infrastructure are always updated to stay ahead of threats.

  • What is a FATCA declaration and why do I need to make one?

    FATCA stands for the Foreign Account Tax Compliance Act. RBI requires us to collect a FATCA declaration from every customer who opens a savings bank account with us.

  • Why do I need to add a nominee to my account?/How can I add/modify nominee in my Account?

    Adding a nominee to your account is the smart thing to do. In the unfortunate event of an accident or untimely death, the funds in your account will be transferred to your nominee quickly and easily.

  • How much interest can I earn?

    Adding a nominee to your account is the smart thing to do. In the unfortunate event of an accident or untimely death, the funds in your account will be transferred to your nominee quickly and easily.

  • Do I need to visit a branch after opening a bob World Digital SB Account?/Can I avail services of Branch ?

    You need not visit a branch post account opening. Your bob World Digital SB Account lets you avail almost all our services online. However you may visit for

    • Cash deposit greater than or equal to Rs 1,00,000/-
    • Deposit of outward clearing cheque in Cheque Drop boxes.
    • Availing Retail Loans.
    • Availing Foreign Exchange transactions
    • Availing Locker Services
    • Closure of Account
    • Change of Address.
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