Q : What are the features of Baroda Insta Click Savings Account?
A : Baroda Insta Click Savings is a fully Digital Limited KYC 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 browser which is accessible on Mobilie,Tablet ,Laptop, Desktop and experience world of seamless digital banking.You can start transacting immediately using Mobile Banking/Net Banking and UPI.
Q : Where can I find link for Baroda Insta Click Savings Account?
A : Please visit www.bankofbaroda.com
and click Apply Now Tab on Banner Page of Insta Clck Savings Account.
Q : What documents are required to open Baroda insta Click Savings Account.
A : All you need is a Aadhar no with registered mobile number, PAN Card, E mail ID and valid Mobile No
Q : I do not have a PAN. Can I still apply for a Baroda Insta Click Savings account?
A : Unfortunately, we need your PAN to open your account.
Q : I do not have an Aadhaar number. Can I still apply for a account?
A : Unfortunately, we need your Aadhar to open your account.
Q : My Mobile number is not registered Aadhaar number. Can I still apply for a account?
A : Unfortunately, we wont be able to accept your Account opening request as we will be unable to access your Aadhar data without OTP authentication which is done through registered mobile number.
Q : What is the eligibility to open Baroda Insta Click Savings account/ I am a Non Resident India Can I open the Account/ I am a minor ,can I open this account.
A : All resident individuals ( except Illiterate and Visually Challenged/ Blind Individuals) above the age of 18 years are eligible to open the Account.
Q : Can I chose my preferred branch?
A : Yes you are allowed to select your Branch as per PIN code in Aadhar Address.
Q : My communication address is different from my Aadhaar address. Can I proceed further
A : Yes, you can. You can add a new communication address in the account opening journey. After adding the new communication address, you can self-verify the address by ticking the self-verification box. There is no need to provide proof of current address.
Q : Can I have a physical Debit Card? How do I apply for one?
- Yes, you can! You can request a physical Debit Card at time of Account opening. You will be given Classic variant of Rupay Card.
- Alternatively you can apply for Debit Card through Mobile Banking App M Connect Plus.
Q : When will I receive a cheque book* for my account?
A : Your account is a digital savings limited KYC account, and doesn’t come with a chequebook by default. If you want a cheque book, you are requested to visit your branch and submit your KYC documents and signature.
Q : How can I deposit money into my Baroda Insta Click Savings account?
A : You can deposit cash at Cash Deposit Machines of bank of baroda 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.
Q : How much money can I deposit into my Baroda Insta Click Savings account?
- Maximum permissible Balance in the limited KYC account is Rs 1 Lakk on any day.
- Maximum cumulative credit/deposit : is Rs 2 Lakhs in a Financial Year.
Q : Can I hold my account jointly with another applicant?
A : Unfortunately, this account is intended for a single user only, and cannot be held jointly.The permissible mode of operation is self only.
Q : I got disconnected/dropped from the Account Opening. How can I continue my application?
A : Don’t worry; we regularly back up all the information that you’ve entered. Please reopen the browser, and you will be able to continue from where you left off.
Q : Can I save my application and continue it later
A : Yes, 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.
Q : How do I start using the Mobile Banking App once my account is activated?
A : Once your account is active, you can log in to the Mobile Banking App by entering your Mobile mumber and one time MPIN. You will be prompted to change your MPIN.
Q : What is a FATCA declaration and why do I need to make one?
A : 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.
Q : Why do I need to add a nominee to my account?
A : 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.
Q : How can I withdraw cash through my Baroda Insta Click Savings account?
A : You can use your physical debit card to withdraw cash through an ATM. Alternatively 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.
Q : What is UPI? How do I use it?
A : UPI stands for Unified Payment Interface. It is a payment method that lets you transfer money instantly.
Q : What is VPA and how can I use it to make payments?
A : VPA is a Virtual Payment Address that lets you make and receive UPI payments. Think of your VPA as your banking email address. You can send money to, or request money from anyone, with just their VPA. It’s instant, free, and it doesn’t matter which bank they use.
Q : How do I upgrade to a regular savings Bank account/ convert my account to Full KYC Account?
A : In order to upgrade to a regular savings bank account, you will need to verify your Full KYC details along with signature at your branch.
Q : Are there any limitations of this account?
- This account is a zero interest account which does not comes with a cheque book.You can transact only through digital channels like Mobile, Internet Banking.
- This account is valid for a period of 1 year from date of account opening and comes with a maximum daily balance of Rs 1 lakh and annual credit of Rs 2 lakhs.
- You can visit the nearest branch any time before expiry of 12 months of account opening and due full KYC for enjoying benefits of full KYC account
Q : How will I come to know about my Account Details
Immediately after submission of Account Opening application you will be receiving a welcome mail detailing your Account no , Customer ID, Branch No and IFSC code and UPI ID.
079 – 68201111