FAQs
FAQs

FAQs

FAQ's
What is the key benefit of Mobile banking (bob World)?

You can avail more than 220 banking services around the clock conveniently from the comfort of your home using a mobile phone.

Can I avail Mobile Banking?

The following customers can avail Mobile Banking – Main, Joint, or Authorized signatories of Savings, Current, Overdraft accounts with any of the following modes of operation - Self, Either-or-survivor, Anyone-or-survivor, or Proprietor.

How can I register for Mobile Banking?

You can use the following channels to register for mobile banking:

  • Self-Registration using Debit card details (available only for Android users).
  • Internet Banking “Baroda Connect” (https://feba.bobibanking.com) Login > Services > Mobile Banking (bob World)
  • ATM
  • Base Branch - submit duly-filled registration form for Mobile Banking.

Note: Accounts with Mode of operation as “Anyone or Survivor” can be registered from Base Branch only. Other channels like Self-Registration, ATM and Internet Banking can’t be used.

How to download Mobile Banking application?

Mobile banking application bob World can be downloaded via respective Play stores. Never download applications from unknown/unverified sources. Confirm the genuineness of the Bank of Baroda’s Mobile Banking application under “App info” section of Playstore / Appstore.

  • Android 4.5 & above – Google Playstore
  • iOS 9.0 & above – Apple Appstore
Is my mobile device supported?

Both Android and iOS devices are supported if your Android OS version is 4.5 & above and iOS version is 9.0 & above.

How to register via self-registration option using debit card details?

Please follow the steps given below:

  • Launch the bob World app after installing it in your Android device.
  • Grant mandatory permissions like location, phone, and SMS as and when prompted.
  • Select your preferred language and go through informative/educational screens.
  • Click “Login” button on welcome screen to begin your mobile banking journey.
  • Grant permissions, if not granted already, and proceed after granting permissions.
  • We need to send a one-time SMS to verify your mobile number. Select SIM of mobile number registered with Bank and press confirm to send one-time SMS. Carrier charges may apply.
  • App will display the mobile number from which Bank has received SMS. Confirm if it is your registered mobile number. You’ll receive an OTP after confirmation. Click on “select another number” button if mobile number displayed is wrong.
  • We will send a 6-digit OTP to your mobile number. Click on Verify button after OTP is auto-read by app.
  • Accept Terms & Conditions and proceed to register for mobile banking by entering your 14-digit account number, last 6-digits of your debit card and card expiry (MM/YY).
  • You will receive a 4-digit activation Key on your Registered Mobile Number and enter the same on application to proceed further.
  • Now Set your own Transaction PIN & Login PIN and submit.
  • Enter referral code if received to get benefits before proceeding to login.
What to do if self-registration got disabled?

Self-registration will be disabled if card authentication fails thrice in a row. Please use the alternate digital channels like base branch, ATM, or Internet banking to register for mobile banking.

What to do if you get “Card Authentication failed” error during self-registration?

You will get this error if there is a mismatch in the details of account number and debit card submitted during self-registration. Make sure that your debit card is active and actually issued for the account number entered during registration of mobile banking. Also check eligibility criteria of account to avoid card authentication error.

How to register for mobile banking via Internet Banking channel?

Please follow the steps given below:

  • Login to Internet Banking “Baroda Connect” at https://feba.bobibanking.com and go to Services > Service Request >> Mobile Banking Registration.
  • You can also access the same under Login > Services > Mobile Banking (bob World) > Registration.
  • Select your customer ID, confirm that the mobile number shown is your registered mobile number, and click on Continue.
  • Confirm Details, then enter remarks and Transaction password. Click on Submit button.
  • You will get a confirmation message on screen. If registration is successful, you will receive an SMS consisting of 4-digit activation Key on your registered mobile number along with a link to download our app from play store or app store.
  • Download the mobile banking app and use the activation key to activate mobile banking and set your own transaction and login PINs.
How to register for mobile banking via ATM channel?

Please follow the steps given below:

  • Visit your nearest Bank of Baroda ATM. Insert your debit card in the card slot and enter its PIN. Click on the Mobile Banking (bob World) tab post PIN validation.
  • Select Registration option
  • Enter your 10-digit registered mobile number and Press if Correct
  • Re-enter the mobile number and Press if Correct
  • After successful registration, you will receive an SMS consisting of 4-digit activation key on your registered mobile number along with a link to download our app from play store or app store.
  • Download the mobile banking app and use the activation key to activate mobile banking and set your own transaction and login PINs.
What accounts are eligible for registration to mobile banking?

All scheme codes of savings and current accounts are eligible for registration if mode of operation and relation type are eligible. Mode of operation has to be one of the following:

  • Self
  • Either or survivor
  • Proprietor
  • Anyone or survivor

Relation type has to either main, joint, or authorized signatory.

Only ten overdraft scheme codes are eligible – OD002, OD003, OD004, OD005, OD006, OD016, OD017, OD023, OD026 and OD028.

How to set my login and transaction PINs?

Both PINs are set during activation of mobile banking after successful registration. Please follow the steps given below:

  • After successful registration, you will receive an SMS consisting of 4-digit activation key on your registered mobile number along with a link to download our app from play store or app store.
  • Download the mobile banking app and use the activation key to activate mobile banking and set your own login and transaction PINs.
How to activate mobile banking?

Please follow the steps given below:

  • Launch the bob World app after installing it.
  • Grant mandatory permissions like location, phone, and SMS as and when prompted.
  • Select your preferred language and go through informative/educational screens.
  • Click “Login” button on welcome screen to begin your mobile banking journey.
  • Grant permissions, if not granted already, and proceed after granting permissions.
  • We need to send a one-time SMS to verify your mobile number. Select SIM of mobile number registered with Bank and press confirm to send one-time SMS. Carrier charges may apply.
  • App will display the mobile number from which Bank has received SMS. Confirm if it is your registered mobile number. You’ll receive an OTP after confirmation. Click on “select another number” button if mobile number displayed is wrong.
  • We will send a 6-digit OTP to your mobile number. Click on Verify button after OTP is either auto-read by app in Android devices or manually entered in iOS devices.
  • Accept Terms & Conditions and enter the 4-digit activation Key received on your Registered Mobile Number after successful registration.
  • Create your own transaction and login PINs.
  • Enter referral code, if received, to get benefits before proceeding to login.
I am an active user of M-Connect Plus app. How to login to bob World app?

Active users of M-Connect Plus app can access bob World app using their existing application password and m-pin. Please follow the steps given below:

  • Launch the bob World app after installing it.
  • Grant mandatory permissions like location, phone, and SMS as and when prompted.
  • Select your preferred language and go through informative/educational screens.
  • Click “Login” button on welcome screen to begin your mobile banking journey.
  • Grant permissions, if not granted already, and proceed after granting permissions.
  • We need to send a one-time SMS to verify your mobile number. Select SIM of mobile number registered with Bank and press confirm to send one-time SMS. Carrier charges may apply.
  • App will display the mobile number from which Bank has received SMS. Confirm if it is your registered mobile number. You’ll receive an OTP after confirmation. Click on “select another number” button if mobile number displayed is wrong.
  • We will send a 6-digit OTP to your mobile number. Click on Verify button after OTP is either auto-read by app in Android devices or manually entered in iOS devices.
  • Verify your access using existing application password as login PIN and existing m-pin as transaction PIN.
  • Proceed to login if access verification succeeds.
I forgot existing application password and m-pin of M-Connect Plus app. What to do?

Please de-register from Mobile banking using any of the following alternate channels and do fresh registration of Mobile Banking.

  • ATM
  • Base Branch
  • Internet banking (Baroda Connect)
I didn’t receive activation Key. What to do?

You will receive activation Key on your registered mobile number in an SMS after successful registration. If you have not received it, please reset activation Key of Mobile banking using any of the following alternate channels.

  • ATM
  • Internet banking (Baroda Connect)
  • Base Branch
I have not received OTP on my mobile number. What to do?

6-digit OTP sent to registered mobile number will be either auto-read by app in Android device or have to be manually entered in iOS device before expiry of timer. If you have not received OTP, please click on “resend OTP” after timer expires to request a new OTP.

If OTP is still not received, please clear all old messages from sender IDs like BOBTXN, BOBSMS, and BOBOTP. Restart your mobile device and ensure good network coverage. Please also insert SIM card into other mobile device, if available, to check if there is any handset specific issue.

I have received OTP but app is not auto-reading it. What to do?

We need to send a one-time SMS to verify your mobile number. App will display the mobile number from which bank has received one-time SMS. You have selected the correct SIM but if mobile number shown is wrong, then sender ID of your SMS would have been modified by network carriers. Please contact your network carrier to prevent modification of sender ID.

I got “Invalid Process” error. What to do?

You will get this error if you take too long to finish activation and session got expired. Please ensure good reception of cellular network and finish activation in quick time. If problem persists please use WIFI network to activate.

I am NRI customer. Can I use Mobile Banking?

Yes, NRI customers can avail Mobile Banking facility and do transactions subject to FEMA/RBI guidelines.

Login PIN and Transaction PIN
Login PIN and Transaction PIN

4-digit Login PIN is used to gain access to mobile banking app – bob World. Never share your PIN with anyone. Bank or its employees will never ask for your PIN.

  • You can create your own login PIN during activation of mobile banking.
What is a transaction PIN?

4-digit Transaction PIN is used to authorize any transaction (both financial and non-financial) carried out in mobile banking app – bob World. Never share your PIN with anyone. Bank or its employees will never ask for your PIN.

  • You can create your own transaction PIN during activation of mobile banking.
How to set a strong PIN?

Any 4-digit number of your choice can be set as PIN.

  • Don’t use weak patterns like 1111 or 1234 as PIN. Try a stronger combination using random digits to make your PIN secure.
  • Don’t use same PIN everywhere for all PINs.
  • Don’t use same PIN repeatedly when changing. New PIN can’t be same as any of the previous 3 PINs.
How to change my login PIN?

If you remember your existing login PIN, you may change it after login. The new login PIN can’t be same as any of the previous 3 PINs (both login and transaction PINs) used. Please follow the steps given below:

  • After login, go to profile on the top-right corner of your dashboard/homepage, and click on “Change login PIN”
  • Enter your existing login PIN in the first one of the 3 fields shown
  • Enter a new login PIN of your choice in the second field and re-enter it in the third field to confirm.
  • Click on submit to change your login PIN.
How to change my transaction PIN?

If you remember your existing transaction PIN, you may change it after login. The new transaction PIN can’t be same as any of the previous 3 PINs (both login and transaction PINs) used. Please follow the steps given below:

  • After login, go to profile on the top-right corner of your dashboard/homepage, and click on “Change transaction PIN”
  • Enter your existing transaction PIN in the first one of the 3 fields shown
  • Enter a new transaction PIN of your choice in the second field and re-enter it in the third field to confirm.
  • Click on submit to change your transaction PIN.
I forgot my existing login PIN. How to reset login PIN?

You can reset your login PIN if you forgot your existing PIN. Please follow the steps given below:

  • Visit “Unlock/forgot login PIN” page on login page of the app.
  • Select the country code of your mobile number and enter your registered mobile number without country code in the first field.
  • Enter your existing 4-digit transaction PIN in the second field and proceed to create a new login PIN.

Tips

  • The new login PIN can’t be same as any of the previous 3 PINs (both login and transaction PINs) used.
  • Use a stronger combination of random digits to make your PIN secure.
  • If you get “Unable to process the request, please try again” error, close the app, clear app running in background and re-launch it.
I got “Unable to process the request, please try again” error during reset login PIN. What to do?

You will get this error if session expired as app is idle for a long time. Close the app, clear app running in background and re-launch it.

I forgot my transaction PIN. What to do?

Please reset transaction PIN of Mobile banking using any of the following alternate channels. You will receive a new 4-digit transaction PIN in an SMS on your registered mobile number. Login to app and when prompted, set your own transaction PIN using this default PIN.

  • ATM
  • Internet banking (Baroda Connect)
  • Base Branch
I have not received any SMS after resetting my transaction PIN. What to do now?

You will receive a default 4-digit transaction PIN in an SMS after successful reset via alternate channels like Internet Banking, ATM, and Base Branch. If SMS is not received, please reset it freshly after ensuring that your mobile device can receive SMS as per below steps:

  • Please grant all SMS related permissions to bob World app under device settings.
  • Please clear all old messages from same sender ID like BOBTXN, BOBSMS, and BOBOTP etc.
  • Restart mobile and ensure enough network coverage after restart.
  • If issue persists, please insert SIM card into a new mobile handset to check if there is any issue with your existing handset.
I am entering correct login PIN but app says it is Invalid. What to do?

Please note that entering wrong login PIN thrice in a row will lock your login access. You may always reset your login PIN if you forgot your existing PIN, as per FAQ “I forgot my existing login PIN. How to reset login PIN?”

I am entering correct transaction PIN but app says it is invalid. What to do?

Please note that entering wrong transaction PIN thrice in a row will lock your login access. You may always reset your transaction PIN if you forgot your existing PIN, as per FAQ “I forgot my transaction PIN. What to do?”

I am unable to login due to “user is locked.” What to do?

Login access is locked if you enter wrong PINs thrice in a row. Please reset your login PIN as per FAQ “I forgot my existing login PIN. How to reset login PIN?” to unlock login access.

I got “change in device/SIM detected” error. But I have not changed device or SIM. What to do?

Any change in software or hardware will attract this error. Please de-register from mobile banking using any of the following channels and do a fresh registration to resolve this issue.

  • ATM
  • Internet banking (Baroda Connect)
  • Base Branch
Login Page
I see someone else’s name on my login page. Why?

You might see a different name if someone else was using this app earlier. Please uninstall the app and install freshly from play store or app store. If problem persists, please lodge a complaint and share your device details to check.

My name is wrongly shown on login page. What to do?

Please approach your base branch to update your name in bank records. Then de-register from mobile banking using any of the following channels and do a fresh registration to resolve this issue.

  • ATM
  • Internet banking (Baroda Connect)
  • Base Branch
What is Quick Balance and how to set it up?

You can use this to view balance and 3 latest transactions of any one of your accounts without using login PIN. Check under “Quick View balance” icon on login page. You need to choose a primary account and confirm setup of Quick balance using both existing login and transaction PINs.

What is the version of my app?

You may check the installed app version under the bottom drawer of login page.

What services can I access directly from login page?

You can access the following services without using login PIN:

  • Change preferred language
  • Quick View balance
  • Unlock/Forgot login PIN
  • Bus/Flight/Hotel booking (all functionalities, except payment confirmation, doesn’t need login PIN)
  • IFSC search
  • Loan & Deposit calculator
  • ATM/Branch/E-lobby locator
  • Links to apply for loans, insurances, credit card, e-trade, lockers, mutual funds, NPS, and submit Pension Life certificate
  • Watch demo
  • FAQs
  • Contact us
  • Raise complaints

The following services can also be accessed but with login PIN:

  • Setup biometric login
  • Setup Quick View balance
  • Scan QR
  • Cash on Mobile (Cardless cash withdrawal)
  • FASTag recharge
  • Fund transfer
  • Pre-approved micro personal loans
My Profile
Where is my profile located?

After login, visit “Profile” on the top-right corner of your dashboard/homepage.

What services are available under my profile?

You can access the following services under your profile:

  • Full name
  • Customer ID
  • Last login date & time
  • Set/update profile picture
  • Credit score
  • KYC details
  • Contact details
  • Change login PIN
  • Change transaction PIN
  • Alerts & notifications
  • App settings
  • Need help?
  • Logout
Where can I check and update my KYC details?

Post login, visit “KYC details” under your profile where you can do the following:

  • View PAN
  • Status of FATCA declaration
  • Submit FATCA declaration
Where can I check and update my Contact details?

Post login, visit “Contact details” under your profile where you can do the following:

  • View and update Email ID
  • View registered mobile number
  • View communication address
Where can I view my app settings?

Post login, visit “App settings” under your profile where you can do the following:

  • Change preferred Language
  • My Limit Setup (set custom limits within default limit cap)
  • Notification settings (subscribe/unsubscribe SMS)
  • Biometric login setup
  • Refresh operative accounts (fetch all accounts with transaction rights)
  • Set Primary account (for quick view balance)
  • De-link accounts
  • App-version
How to de-link my accounts?

If you don’t want to view and transact in any of your accounts, you can de-link that account under “App settings” of your profile. You can view a list of all delinked accounts here.

How to re-link my accounts?

You need to approach branch to re-link a specific account which was de-linked earlier by you. You may also de-register and do fresh registration to re-link all accounts at once.

How to logout of app?

You can click back button on dashboard/homepage where you will be prompted whether you want to logout. You may also click logout button under your profile.

Accounts
How can I check my account details?

Post login, click on “view all accounts” under Accounts tab to view balance, account details and mini-statement.

My account is not visible after login. What to do?

The following accounts are eligible for mobile banking.

  • Savings Account (age 15 & above, mode of operation – Self, Either or Survivor, Anyone or Survivor) – eligible for registration, view and transaction rights.
  • Baroda Champ Account (age 10 &above, mode of operation – Self) – eligible for registration, view and transaction rights.
  • Current Account (mode of operation – Self, Either or Survivor, Anyone or Survivor, Proprietor) – eligible for registration, view and transaction rights.
  • In joint accounts with mode Either or Survivor, Anyone or Survivor, registration can be done as per choice of all account holders. Application to be signed jointly. All other joint accounts and schemes are not eligible for mobile banking.
  • Overdraft account (mode of operation – Self, Either or Survivor, Anyone or Survivor, Proprietor) – eligible for registration, view and transaction rights. Only the following OD schemes are eligible for mobile banking – OD002, OD003, OD004, OD005, OD006, OD016, OD017, OD023, OD026 and OD028.
  • Eligible NRI accounts (NRE - SB201, SB205, SB206, SB224, and SB252. NRO - SB301) eligible for registration, view and transaction rights.
  • CC accounts are eligible for balance enquiry only but are not eligible for registration. They will be auto-fetched provided CC account holder is already registered using other eligible account schemes.
  • PPF accounts are auto-fetched in mobile banking if your PAN is updated properly in both customer id and PPF account.
  • SSY accounts have to be added manually by parents or guardians of girl child in their mobile banking before they can view balance, transfer funds, and request statement.
  • All deposit accounts with mode of operation Self, Either or Survivor, Anyone or Survivor will be visible.
  • All loan accounts with mode of operation Self, Either or Survivor, Anyone or Survivor will be visible.
What to do if my OD account is not visible?

Only the following OD schemes are eligible for mobile banking – OD002, OD003, OD004, OD005, OD006, OD016, OD017, OD023, OD026 and OD028.

What to do if my CC account is not visible for fund transfer?

CC account has only view rights and no transaction rights in Mobile banking. If you register for mobile banking using any of the eligible accounts like saving, current or overdraft accounts then your CC account will be auto-fetched for balance enquiry only.

What to do if my PPF account is not visible?

PPF accounts are auto-fetched if your PAN is updated properly in both customer id and PPF account. If PAN is not updated in either customer id or PPF account, approach your branch to update it. After updating PAN at branch, refresh operative accounts under app settings of your profile to fetch PPF account.

Fund Transfer
How to transfer funds to my own linked accounts?

Visit self-linked fund transfer under Fund transfer, select source and beneficiary accounts, and initiate fund transfer.

How to transfer funds to other Bank of Baroda accounts?

Visit third party within bank transfer under Fund transfer, select source and beneficiary accounts, and initiate fund transfer. Please cross-check the beneficiary name which appears after entering beneficiary account number to avoid credit to wrong beneficiary.

My funds were transferred to a wrong third-party within bank account. What to do?

If a wrong third-party within bank account is credited, please submit written application in your branch first. Then request branch to take up the issue with beneficiary branch for refund. The beneficiary branch will refund the funds if they are available after obtaining confirmation from beneficiary customer. If funds are not available, lien will be marked in the account first and only refunded once funds are available and confirmation obtained from beneficiary customer.

I want to transfer funds to Sukanya Samriddhi Account (SSA). What to do?

If you are a parent or guardian of the account holder of SSA, then go to fund transfer >> Sukanya Samriddhi savings account under WITHIN BANK section >> Click on ADD icon on bottom right corner to add new SSA accounts. Make sure your customer ID is entered as guardian in your daughter's customer ID before adding.

My Sukanya Samriddhi account (SSA) is not credited. What to do?

If SSA account is not credited with your amount please request the base branch where SSA is maintained to reverse funds to your savings account.

I want to transfer funds to my PPF account. What to do?

Visit self-linked accounts under Fund transfer.

My PPF account is visible for balance enquiry but not under fund transfers. What to do?

Please refresh operative accounts under App settings of your profile to restore list of accounts under Fund transfer.

My PPF account is not credited during self-linked fund transfer. What to do?

If PPF account is not credited, please contact the branch where PPF is maintained. Amount might be still lying in their branch's office account. Branch will transfer the amount in your PPF account manually.

My account is not visible for doing transactions. What to do?

The mode of operations of your account can only be Self/Sole-Proprietor/Either or Survivor/Anyone or Survivor. It may also be possible that mode of operation is not updated properly in your accounts. Please contact your base branch to get the details updated. All account holders of an account with mode “Anyone or Survivor” have to sign an application in branch to request transaction rights in mobile banking.

What if the fund transfer times out?

Timeout transactions will be refunded within defined TAT.

How can I transfer funds to other bank Accounts?

This can be done via three options:

  • IMPS
  • NEFT
  • RTGS
How to add a beneficiary?

You can add or delete beneficiaries under beneficiary management of fund transfer. Addition of beneficiary will be authenticated using OTP and transaction PIN.

Can I transfer funds immediately after adding a beneficiary?

No. New beneficiaries will be available for transactions after a cooling period of 4 hours (IMPS/NEFT beneficiaries) and 24 hours (RTGS beneficiaries) from the time of beneficiary registration.

What are the default transaction limits?

Total transactions allowed per day: 30

Service type (Min amount (Rs.), Max amount per transaction (Rs.), Max amount per day (Rs.), Max amount Per Week (Rs.), Max amount Per Month (Rs.)

  • Cash on Mobile (100, 5000, 5000, 10000, 25000)
  • Fund Transfer to your own accounts within Bank (5, Unlimited, Unlimited, Unlimited, Unlimited)
  • Fund Transfer to Third Party accounts within Bank (5, 2,00,000, 5,00,000, 10,00,000, 20,00,000)
  • Fund Transfer to IMPS beneficiary accounts (5, 2,00,000, 2,00,000, 5,00,000, 15,00,000)
  • Fund Transfer to NEFT beneficiary accounts (5, 2,00,000, 5,00,000, 10,00,000, 20,00,000)
  • Fund Transfer to beneficiary MMID (5, 2,00,000, 2,00,000, 5,00,000, 15,00,000)
  • Fund Transfer to Instant IMPS accounts (5, 25000, 50000, 2,00,000, 5,00,000)
  • Fund Transfer to Instant MMID (5, 25000, 50000, 2,00,000, 5,00,000)
  • Fund Transfer (Beneficiary payments) - RTGS (2,00,000, 2,00,000, 5,00,000, 10,00,000, 20,00,000)
  • Quick Bill Pay, Registered Bill Pay, Scan to Pay, Tonetag (5, 25000, 50000, 1,00,000, 2,50,000)
  • Payment to Bank of Baroda Credit cards (No limit, No limit, No limit, No limit, No limit)
  • Bus/Flight/Hotel booking (No Limit, No Limit, No Limit, No Limit, No Limit)
  • Recharge & Gift Card (5, 10000, 25000, 50000, 1,00,000)
  • Fixed/Recurring Deposit (1000, Unlimited, Unlimited, Unlimited, Unlimited)
Cash on Mobile
What is Cash on Mobile?

Card less cash withdrawal up to Rs. 5000 per day from Bank of Baroda ATM using OTP shown in app.

How to withdraw money using Cash on Mobile?

Cash on Mobile >> Enter amount and remarks >> Enter Transaction Pin >> OTP will be generated. Use this OTP to withdraw cash from any of the nearby Bank of Baroda ATM.

Where can I get OTP for cash on mobile?

OTP can be generated by going to Cash on Mobile option in the application. It will not be sent as SMS.

How long is OTP of cash on mobile valid?

Cash-on-mobile OTP is valid for 15 minutes only.

Can I withdraw from other Bank ATM by using cash on mobile?

No, this facility can be used only on Bank of Baroda ATMs.

Mobile Recharge and Bill Pay

Recharge

(1)Mobile Recharge, (2)DTH Recharge

Bill Payment

  • Quick Bill Payment- Customer has to enter bill details for making Payment every time customer wants to initiate payment towards a respective biller.
  • Registered Bill Payment- Allows registration of biller details once and fetches bill amount automatically every month.
  • Credit Card-BOB Card Payment: Allows payment to Bank of Baroda credit cards only.
Can I recharge when I am on roaming?

Yes

Billers not visible in DTH option under Recharge?

Kindly visit DTH Recharge option under Quick Bill payment to find more billers.

What if the Recharge or Bill payment transaction gets failed or recharge is made to incorrect mobile?

Kindly cross check all the details before making the payment. In case of failed transactions of Recharge, money will be refunded to account on T+5 working days (T is date of transaction) and for Bill payment T+5 working days (T is date of transaction). Please read terms and conditions section of the application.

Fixed /Recurring Deposit
Who is eligible to open deposits in Mobile Banking?

Customers who have declared FATCA and submitted PAN in branch are eligible.

I am unable to open deposits using my OD account. Why?

OD accounts are not eligible to open deposits, invest in PPF or SSY accounts. Only Savings and current accounts are eligible.

What to do if customer is not able to View FD/RD receipt in Mobile Banking?

Only FD/RD account opened using Mobile banking will be visible in View receipt. Receipts will not be updated if auto-renewed.

All my Term Deposit Account not showing under Closure option.

Only the Term Deposit Accounts opened through alternate channels like Mobile Banking, Internet Banking will be shown. In addition account should be only in your name. Accounts operated jointly will not be shown.

Not able to close FD/RD account in Mobile Banking?

Only FD/RD account opened using Mobile banking or Internet Banking and having mode of operation ‘Self’ will be eligible for closure in Mobile Banking.

Where are my funds credited after maturity or closure of FD account?

Funds will be credited to the REPAYMENT ACCOUNT that will be shown explicitly while placing the closure request.

Baroda FASTag
How to add FASTag details?

Login>>Click on More>> Baroda FASTag>> My FASTag>> Click “ADD +” button to add >> Fill FASTag Customer ID or Vehicle Number and proceed.

How to Buy FASTag?

Login>>Click on More>> Baroda FASTag>> Buy FASTag>> Provide all necessary details and proceed. Customer must be ready with following details before proceeding - Vehicle Registration/Licence No, Chasis No and Front and Back Image of RC (Size of image below 1MB and format of image must be jpg, jpeg, png)

How to Check Status for FASTag Request?

Login>>Click on More>>Go in Baroda FASTag>> Go in Status of FASTag request

Digital Loan
What is Pre-approved Micro Personal Digital Loan?

Pre-approved Micro Personal Loan facility enables you to avail pre-approved loan which is offered based on pre-defined rules and on your banking history with the bank. Pre-approved limit can be availed while your purchases on Pine labs POS which can be converted to easy EMI. Pre-approved limit can also be availed in form of Personal Loan through Mobile Banking (Minimum loan amount should be Rs.10,000/-)

What to do if there is no Pre-approved Micro Personal Digital Loan offers?

Customer Can contact base branch for personal loan or Visit Bank’s official website.

What is Loan/Overdraft against FD/RD in Digital Loan?

Customer can avail Loan/Overdraft against FD/RD opened online with Bank of Baroda. FD/RD account having mode of operation Self will be eligible under this category. The Minimum amount of Loan will be Rs.500/- and in multiples of Rs.50/- (i.e., 500, 550, 600, 650…)

What to do if unable to apply for Loan/Overdraft against FD/RD in Digital Loan?

Customer will not be eligible to apply for Loan/Overdraft against FD/RD, if FD/ RD account is not opened using Mobile Banking or Internet banking Channel and mode of operation of FD/ RD account is other than ‘Self’. Customer has to contact base branch for availing Loan/Overdraft against FD/RD account not opened using digital channel or having mode of operation other than “Self’.

Cheque services
How to apply for a cheque book using Mobile Banking?

Login>>Click on More>>Go in Request Services>> Click on Cheque Book Request>> Select Account no >> Enter Transaction PIN.

How to inquire Status of Cheque using Mobile Banking?

Login>>Click on More>>Go in Request Services>> Click on Status Inquiry of Cheque>> Select Account no and provide cheque number. After entering Transaction PIN status will be provided.

How to give “Stop Cheque” request using Mobile Banking?

Login>>Click on More>>Go in Request Services>> Click on Stop Cheque>> Select Account no and provide cheque number >> Enter Transaction PIN to complete Request. Cheque will only be stopped if not passed or presented in clearing.

How to give Positive Pay Confirmation request using Mobile Banking?

Login>>Click on More>>Go in Request Services>> Click on Positive Pay Confirmation >> Select Account no, provide cheque number and other details. Please enter Transaction PIN to complete Positive Pay Confirmation Request.

*Confirmation registered up to 06:00 PM (daily) will be booked for next clearing session.

*There is no option for Modify/Delete the confirmation once submitted successfully.

*Cheque will be cleared if key details of the cheque matched with cheque presented in the CTS clearing and if cheque is otherwise is in order.

Certificates & Statements
How to generate statement using Mobile Banking?

Login>>Click on More>>Go in Request Services>> Click on Account Statement>> Select Account number and statement duration (Customer can fetch statement of only 3 months or 90 days whichever is lower at a time) >> clicking on ‘E-Mail Statement, statement will be sent to email id registered in Bank.

How to generate Interest Certificate using Mobile Banking?

Login>>Click on More>>Go in Request Services>> Click on Interest Certificate>> Select Account no and Financial Year. After clicking on ‘E-Mail Certificate’, certificate will be sent to email id registered in Bank.

How to generate TDS certificate using Mobile Banking?

Login>>Click on More>>Go in Request Services>> Click on TDS Certificate>> Select Financial Year. After clicking on ‘E-Mail Certificate’, certificate will be sent to email id registered in Bank.

How to give FATCA declaration using Mobile Banking?

Login>>Click on More>>Go in Request Services>> Click on FATCA Declaration>> Provides all necessary details >> Click the Tick box of Terms and Conditions >> Click PROCEED >> Enter Transaction PIN to submit FATCA declaration.

Other Services
What is “Aadhaar Update” option?

Customer can seed (add) Aadhaar number with their Bank account using mobile banking. Customer can link Aadhaar for AEPS transaction purpose only, for both DBT & AEPS transaction purposes, or simply linking AADHAR for non-transaction purpose. Login>>Click on More>>Go in Request Services>> Click on Aadhaar Update option>> Select Account no and provide all details.

How can Customer Add/Modify/Delete Nomination in account using Mobile banking?

Login>>Click on More>>Go in Request Services>> Click on Nomination registration option>> Select Account no and provide all details. Customer can select Add/Modify/Delete option as per their choice in nominee registration.

How many times can I change nomination in my account?

Nomination for an Account can be added/modified/deleted up to 4 times in a year.

Can I transfer my Savings Bank Account to any Bank of Baroda Branch of India using the service “Request for Transfer of Savings Account”?

Yes, you have to furnish local proof of address for where you want to transfer the Account in your new branch
Login>>Click on More>>Go in Request Services>> Click on Request for saving account Transfer option>> Select Account no and provide all details.

After submitting all details a request number will get generated which has to be provided to new branch for verification purpose within 30 days from request.

How can Customer Set Communication Email ID using Mobile banking?

Login>>Click on More>>Go in Request Services>> Click on Set Communication Email ID option>> Enter the details asked. Customer can select Add/Modify email ID.

What is “Submit Form 15-G (or) 15-H” option?

It is self-declaration made by the individuals or a person (not being a company or a firm) for tax exemption on Interest income earned on Term Deposits. Form 15H is for senior citizens, those who are 60 years or older; while Form 15G is for everybody else. This form is valid for one financial year. Read Terms & Conditions carefully before submitting the request.

What is “Subscribe/Unsubscribe SMS Alerts” option?

Customer can use this option to subscribe/unsubscribe SMS alert facility for each account separately. After unsubscribing, customer will get only mandatory alerts, informative & educative SMS and channel initiated SMS alerts. Please peruse the guidelines on SMS alerts facility available on our Bank’s website for further details.

Card Services
How to Manage Debit Card Using mobile Banking?

Login>>Click on More>>Go in Card Services>> Click on Manage Debit Card option>> Now choose the MANAGE CHANNEL option. Now ENABLE or DISABLE the service as per your choice. Customer has to enter the Transaction PIN for enabling or disabling the Transaction Channel for selected debit card.

How to provide Debit Card Request Using mobile Banking?

Login>>Click on More>>Go in Card Services>> Click on Debit Card Request option>> Now select the account number and Card type>> Proceeds and enter Transaction PIN

How to provide Re-Issuance Debit Card Request Using mobile Banking?

Login>>Click on More>>Go in Card Services>> Click on Re-Issuance Debit Card option>> Now select the Debit Card number want to be reissued>> Proceeds and enter Transaction PIN.
*The debit card selected during re-issuance must be in block status.

How to Set Debit Card Pin Using mobile Banking?

Login>>Click on More>>Go in Card Services>> Click on Set Debit Card Pin option>> Now select the Debit Card number >> Click on Set pin >> OTP will come on registered mobile number>> Please use the same to set new PIN.

How to Hotlist/Block Debit Card Using mobile Banking?

Login>>Click on More>>Go in Card Services>> Click on Debit Card Hotlisting option>> Now select the Debit Card number >> Click on Block Card >> Please use Transaction PIN to block the debit card.

How to Request New Virtual Debit Card Using mobile Banking?

Login>>Click on More>>Go in Card Services>> Click on Virtual Debit Cards option>> Click on Add button to initiate request for New Virtual Debit Card >> Now select the Account number and Card Variant>> Please provide card validity all details and use Transaction PIN to complete the process.

*Cardholder can set the card usage period as per their wish within the default expiry of 5 years. Please note, once the virtual card is generated the card usage validity cannot be reduced.

Where my Debit Card will be delivered?

Debit Card will be delivered to the communication address that is also displayed while making the Debit Card request through the application.

My Debit Card is yet not delivered?

In case debit card delivery is taking considerably long time you may visit the branch with the reference number generated at the time of request to track the status of card.

Commonly Faced Errors
What if “911” error comes?

Mobile application is not able to get response from Core Banking System. In such cases please wait for some time till the connectivity is restored.

What if “Host failed to respond” error is encountered or the application takes a long time to load?

This is because of poor or very slow internet connection. Try again with strong internet connection or you may use hotspot connection also if your mobile network is poor.

What if “Unable to process transaction” is encountered every time on opening an FD account?

Please check if PAN number is updated in your account. Also, check that you are not initiating FD opening request from an Overdraft (OD) account.

I am not getting option of Debit Card Variant even though I have never availed this variant with the account selected?

One Debit Card variant can be issued only once against a customer id. If it is already issued against any one account, can’t avail the same variant in other account.

Are there any charges for Mobile Banking?

No, it is free of cost for now. But charges related to individual services will be applicable as per the guidelines.

Is Mobile banking safe to use?

Yes, we have implemented latest security standards and continuously upgrading them to the best of industry standards.