How to Use Internet Banking?

05 Jul 2023

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Are you new to internet banking and wondering how to use it? In this blog post, we will guide you through the steps required to start using internet banking , its various features, and how to stay safe while transacting online.

With the convenience and ease of access that internet banking offers, you can perform most banking transactions from the comfort of your home. So, let's get started and learn how to make the most of internet banking!

Internet Banking: How to Get Started?

Open a bank account

The first step is opening a bank account online or visiting the bank branch. Some new-age banks only have an online presence. So you have to visit the bank's online website and follow the steps for account opening.

Create the online account

The next step is to create a net banking account. This can be done with your account number, date of birth, or any other identification set by the bank.

When you visit the website, there will be an "Enroll", "Open Online Account", or "Sign Up" option. The login details form a part of the account opening kit for new accounts.

Set the credentials

The bank generates the first username and password. To ensure maximum account security, you must change it and set a username using special characters, uppercase and lowercase letters, and numbers. Set a password that is tough to guess, and avoid setting birthdates or identity card numbers.

Understanding Features of Internet Banking and How to Use Them

Now that you have completed all the steps to opening an online account, the world of internet banking is yours to benefit from. You can:

Explore and discover

Once you log in, explore the page and discover how to use net banking. If you have multiple accounts, scroll through each to understand what is offered.

Navigate the tabs and spend some time on the portal. Many banks have chatbots and customer care numbers that you can use. Make sure to log out so that the account remains secure.

Adapt to new ways, opt out of paper statements

Now that you can access your account online, you can conveniently opt out of paper statements. This option will be available on the portal. Once you select it, you can do your bit to save the environment and stay organized.

There will be an option to download or receive the statements over email as well.

Pay bills online

Now that you are well versed with the platform, you can use the features of internet banking that add convenience to your life. Bill payment facility is one such feature. All your utility bills, like rent, electricity, mobile bills, etc., can be paid through online banking.

There is also a feature to schedule the bills to be paid through the portal. This feature helps you stay on track with due dates and avoid penalties. Ensure that you maintain sufficient balance in your account and track your expenses through spreadsheets or budgeting apps.

Apply for loans

You can also easily apply for other services and products too using net banking. Since you are an online customer, most formalities can be done online when you apply for a loan or a card. You might also be eligible for special cards and privileges depending on your spending. Similarly, many banks have pre-approved loans that you can avail of. Information about special offers will be available on the portal occasionally. Few banks offer the facility to apply for loans through Internet Banking.

Fund transfers and investments

Another great feature of online banking is transferring money from one account to another. In a few clicks, you can transfer funds to any of your accounts, your family accounts, or any vendor accounts.

This is possible through NEFT, RTGS and IMPS transfers. You can also invest in mutual funds or stocks through this portal!

Best Practices for Using Internet Banking

Now that you know how to use Internet banking, you have to be cautious to avoid the internet banking frauds and scams:

  • Install a good anti-virus software on your laptop or desktop.
  • Avoid using Public WiFi to access your bank accounts, as hackers can access your personal information.
  • Avoid signing into the account through mailers or online portals.
  • Frequently change the password.
  • Keep notifications ON so you are alerted of any activity in the account.
  • Stay aware and monitor accounts regularly.


Internet banking is a convenient way to manage your finances. Following the steps outlined in this guide, you can learn how to use net banking and take advantage of its many features. Whether paying bills, transferring funds or applying for loans, online banking can save you time and make your life easier.

However, following the best practices and safe internet banking tips you can keep your account secure and avoid scams or fraud. With some caution and knowledge, you can confidently manage your finances from your home.

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    The contents of this article/infographic/picture/video are meant solely for information purposes and do not necessarily reflect the views of Bank of Baroda. The contents are generic in nature and for informational purposes only. It is not a substitute for specific advice in your own circumstances. Bank of Baroda and/ or its Affiliates and its subsidiaries make no representation as to the accuracy; completeness or reliability of any information contained herein or otherwise provided and hereby disclaim any liability with regard to the same. 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 Bank of Baroda or its affiliates to any licensing or registration requirements. Bank of Baroda 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.

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