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Baroda M-Connect plus Mobile Banking Terms & Conditions

Terms and Conditions of Mobile Banking Services (Baroda Mconnect Plus)

Definitions: Following words and expressions shall have the corresponding meanings–
Expressions Meaning


Any account at the Bank which has been registered for use via Baroda M-Connect Plus


A person above the age of 15 years who hold an account in Bank of Baroda 


Personal Identification Number (password) for the Mobile Banking facility. 

Application Password 

Shall mean the Personal Identification Number for opening the Mobile Banking facility in the mobile phone. 

Baroda M-Connect Plus

Shall mean Mobile Banking Services for the sake of brevity 


Unstructured Supplementary Service Data 


Wireless Application Protocol. 


Shall mean Bank of Baroda 


Mobile Banking facility provided to the customers 

Mobile Phone number’ 

Mobile number that has been given by the customer to register for the Facility. 


Bank’s Mobile Banking application activated through Bank’s ATM or from internet banking or from the Base branch where the customer holds his account. 

Base Branch 

Branch where the customer has his primary account 


Applicability of Terms and Conditions

By using Baroda M-Connect Plus, the Customer thereby agrees to these Terms and Conditions, which form the contract between the Customer and Bank. M-Connect Plus application of the Bank shall be governed by such terms and conditions as amended by the Bank from time to time. These terms and conditions shall be in addition to and not in derogation of other terms and conditions relating to any account of the Customer and/or the respective product or the service provided by the Bank unless otherwise specifically stated.

General Business Rules Governing Baroda M-Connect Plus

The following Business rules will apply to the facility being offered by the Bank:

  • The Facility will be available to customers having a satisfactory running Savings/ Current/ Over Draft account with the Bank.
  • Upper Limit for transactions: The per transaction upper ceiling per customer is revised periodically as per the prevailing Bank’s policy. The current limit structure can be seen in FAQ section of the application.
  • Entering wrong mPIN thrice will block the facility. Then customer would be required to un-lock using the “Unlock/Forgot Application Password” option available on the Login page. In case customer does not remember his/her mPIN, mPIN can be generated as per the procedure laid down for the same.
  • Any change in the business rules of any of the processes will be notified on Bank’s website www.bankofbaroda.com, which will be construed as sufficient notice to the customer.
  • Eligibility:
Account Type Mode of Operation Rights 
Savings (SB) Including zero balance accounts Self, E (or) S View +Transaction (Debit, Credit)
Current (CA) Self, Sole proprietorship  Self, Sole proprietorship View +Transaction(Debit, Credit)
Overdraft (OD) OD schemes: OD002 – OD against Banks own deposit OD003 – Staff OD OD004 – OD – NSC/KVP/LIC etc. OD005 – OD against property  OD006 – OD Traders above 2.00 lac OD016 – OD Baroda Mortgage Loan OD017 – OD Traders upto 2.00 Lacs OD023 – OD Baroda Traders to Comm OD026 – OD Baroda Mortg-Non Ind OD028 – New OD against Banks own deposit Self, E (or) S View +Transaction (Debit, Credit)
Cash Credit (CC) Accounts linked to the Customer ID with mode of operation as Self, E (or) S View + Credit
Term Deposits 
a. Fixed Deposit (FD)
b. Recurring Deposit
Self, E (or) S View + Credit a. FD: open new FD by crediting amount from SB  b. RD: Credit from SB at the time of opening new account + subsequent credits
Loan (LAA) Accounts linked to the Customer ID with mode of operation as Self, E (or) S View + Credit
Public provident fund (PPF)  PPF account will be fetched based on the PAN number registered in Savings Account View + Credit
Savings NRE/NRO (SB) NRE SB201-Saving Banks (NRE) SB205-SB NRE Portfolio Inv. SB206-Baroda Premium (NRE) SB A/c SB224-Baroda Happiness NRE SB SB252-Home Loan Linked SB NRE 
NRO SB301-Savings Bank (NRO)
Self, E (or) S View +Transaction  (Debit, Credit)
Term Deposits NRE/NRO

a. Fixed Deposit (FD) 
b. Recurring Deposit (RD)
a. TD201 – Fixed Deposit – RIRD (NRE) TD202 – Fixed Deposit – MIP (NRE) TD203 – Fixed Deposit – QIP (NRE) 
b. TD213 – Recurring Dep - NRE
Self, E (or) S View + Credit 
a. FD: open new FD by crediting amount from SB
b. RD: Credit from SB at the time of opening new account + subsequent credits
Loan NRE/NRO (LAA) Accounts linked to the customer ID with mode of operation as Self, E (or) S, Anyone (or) Survivor View
  • Accounts where mode of operation is “jointly” as also accounts in the name of minor below the age of 15 years or where minor is a joint account holder are not eligible for Baroda M-Connect Plus.
  • Bank reserves the right to reject a Customer’s application for M-Connect Plus without assigning any reasons.
  • Bank shall suspend the registration of any Customer if the facility has not been accessed by the Customer for three months or more
  • .
  • If the facility has not been accessed for six months or more, the registration of the Customer will be cancelled.
  • Customer can request for termination of the facility by De- Registering through Bank’s ATM / Base branch / Internet Banking/Contact Center of the account enabled for Baroda M-Connect Plus. The Customer shall remain accountable for all the transactions on the designated account made prior to confirmation of any such cancellation request.
  • It shall be the Bank’s endeavour to give a reasonable notice for withdrawal or termination of the facility, but the Bank may at its discretion withdraw temporarily or terminate the facility, either wholly or partially, anytime without giving prior notice to the Customer.
  • The facility may be suspended for any maintenance or repair work for any breakdown in the Hardware/ Software for Baroda M-Connect Plus or any emergency or security reasons without prior notice and bank shall not be responsible if such an action has to be taken for reasons of security or emergency. 
  • The services offered under the facility will be automatically terminated if the customer ID linked for the Mobile Banking Services is closed.
  • The Bank may also terminate or suspend the services under the facility without prior notice if the Customer has violated the terms and conditions laid down by the Bank or on the death of the Customer when brought to the notice of the Bank or when prohibited by law or an order by a court or Authority.

Usage of Facility: 

By accepting the terms and conditions on the mobile phone while registering for the facility, the customer:

  • Agrees to use the Baroda M-Connect Plus for financial and non-financial transactions offered by the Bank from time to time.
  • Irrevocably authorizes the Bank to debit the Account which have been enabled for Baroda M-Connect Plus for all transactions / services undertaken using mPIN.
  • Authorizes the Bank to map the account number, Customer ID and mobile phone number for the smooth operation of Baroda M-Connect Plus offered by the Bank and to preserve the mapping record in its own server or server of any third party and to use such data at its discretion for providing/enhancing further banking/ technology products that it may offer.
  • Agrees that he / she is aware and accepts that facility offered by the Bank will enable him / her to transact using mPIN within the limit prescribed by the Bank and the transaction being bonafide will not be disputed.
  • Agrees that transactions originated using the mobile phone are non-retractable as these are instantaneous / real time.
  • Understands and explicitly agrees that Bank has the absolute and unfettered right to revise the prescribed ceilings from time to time which will be binding upon him/her.
  • Agrees to use the facility on a mobile phone properly and validly registered in his / her name only with the Mobile Service Provider and undertakes to use the facility only through mobile number which has been given to register for the facility.
  • Agrees that the Bank is authenticating the Customer by his mobile phone number and mPIN provided by the Customer and that such authentication would be sufficient for protection of the customer transactions. The customer is solely responsible for maintenance of the secrecy and confidentiality of the mPIN without any liability to the Bank. The Bank at its discretion may adopt other authentication of electronic records and the same will be acceptable and binding on the customer.


  • Customer shall be required to acquaint himself/herself with the process for using the facility and that he/she shall be responsible for any error made while using the facility.
  • Bank reserves the right to decide what services may be offered. Additions/ deletions to the services offered under the facility are at its sole discretion.
  • The instructions of the Customer shall be effected only after authentication under his/her application password and mPIN or through any other mode of verification as may be stipulated at the discretion of the Bank.
  • While it shall be the endeavour of the Bank to carry out the instructions received from the Customers promptly, it shall not be responsible for the delay / failure in carrying out the instructions due to any reasons whatsoever including failure of operational system or due to any requirement of Law. The Customer expressly authorizes the Bank to access his/her account information required for offering the services under the facility and also to share the information regarding his/ her accounts with the service provider/ third party as may be required to provide the services under the facility.
  • The transactional details will be recorded by the Bank and these records will be regarded as conclusive proof of the authenticity and accuracy of transactions.
  • Customer hereby authorizes the Bank or its agents to send promotional messages including the products of the Bank, greetings or any other messages the Bank may consider from time to time.
  • Customer understands that the Bank may send rejection or cannot process the request messages for the service request(s) sent by the Customer which could not be executed for any reason.
  • Bank shall make all reasonable efforts to ensure that the customer information is kept confidential but shall not be responsible for any inadvertent divulgence or leakage of Customer information for reasons beyond its control or by action of any third party.
  • Customer expressly authorizes the Bank to carry out all requests/ transactions purporting to have been received from his/ her mobile phone and authenticated with his/ her mPIN. All payment transactions, initiated from the customer’s mobile phone using his/her mPIN, will be treated bonafide expressly authorizing the Bank to make the payment.
  • It is the responsibility of the Customer to advise the Bank of any change in his mobile number or loss/ theft of mobile phone by adopting the procedure laid down by the Bank for the purpose.
  • Telecom Service provider of the customer may levy charges for each SMS / GPRS and the Bank is not liable for any dispute that may arise between telecom service provider and the Customer.
  • For Bill payments done through Quick Bill Payment/Registered Bill Payment/ Scan to Pay etc., make the payment at least 5 working days prior to the due date to avoid late payment charges.
  • Disputes: Register all the complaints related to Financial/Non-Financial services in Mobile Banking by visiting “Complaints & Feedback” option provided in the application or by visiting Bank’s website. This will ensure tracking of customer’s complaint centrally and its resolution within the TAT (Turnaround Time).

Fee structure for the Facility:

At present, Bank does not charge any fee for offering this M-Connect Facility. Bank reserves the right to charge the Customer fee for the use of the services provided under the facility and change the fee structure at its discretion. Display of such charges on Bank’s website would serve as sufficient notice and the same is binding on the customer.

Accuracy of Information: 

It is the responsibility of the Customer to provide correct information to the Bank through the use of the facility or any other method. In case of any discrepancy in information, the Customer understands that the Bank will not be in any way responsible for action taken based on the information. Bank will endeavour to correct the error promptly wherever possible on a best effort basis, if the customer reports such error in information.

Customer understands that the Bank will try, to the best of its ability and effort, to provide accurate information and shall not hold the Bank responsible for any errors or omissions that may occur due to reasons beyond the control of the Bank.

Customer accepts that the Bank shall not be responsible for any errors which may occur in spite of the steps taken by the Bank to ensure the accuracy of the information and shall not have any claim against the Bank in the event of any loss/damage suffered as a consequence of an inaccurate information provided by the Bank.

Responsibilities and obligations of the customer

  • The Customer will be responsible for all transactions, including fraudulent/erroneous transactions made through the use of his/ her mobile phone, SIM card and mPIN, regardless of whether such transactions are in fact entered into or authorized by him/ her or not and the customer will be responsible for the loss/damage, if any suffered.
  • The Customer shall take all steps possible to ensure that his/her mobile phone is not shared with anyone and shall take immediate action to de- register from Baroda M-Connect Plus as per procedure laid down in case of misuse/ theft/loss of the mobile phone or SIM card.
  • The Customer will use the services offered under facility using the mPIN in accordance with the procedure as laid down by the Bank from time to time.
  • The Customer shall keep the application password and mPIN confidential and will not disclose these to any other person or will not record them in a way that would compromise the security of the services.
  • It will be the responsibility of the Customer to notify the Bank immediately if he/ she suspect the misuse of the mPIN. He will also immediately initiate the necessary steps to change his mPIN.
  • If the mobile phone or SIM is lost, the customer must immediately take action to de-register from Baroda M-Connect Plus at any of the Bank’s ATM/ Base branch/Internet Banking/Bank’s Toll free Number for the account enabled for Baroda M-Connect Plus.
  • The Customer accepts that any valid transaction originating from the Customer ID and / or registered mobile phone number shall be assumed to have been
  • initiated by the Customer and any transaction authorized by the mPIN is duly and legally authorized by the Customer.
  • The Customer shall keep himself/herself updated with regard to any information/ modification relating to the services offered under the facility which would be publicized on the websites and at the branches and would be responsible for the same.
  • The Customer shall be liable for all loss on breach of the Terms and Conditions contained herein or contributed or caused the loss by negligent actions or a failure to advise the Bank immediately about any unauthorized access in the Account.
  • The Customer shall be liable and responsible for all legal compliance and adherence of all commercial terms and conditions in respect of the mobile connection/SIM card/mobile phone through which the facility is availed and the Bank does not accept/ acknowledge any responsibility in this regard.
  • Bank shall not accept any Stop Payment instructions, once the transaction amount and the beneficiary account are keyed in and authorized by the Customer.
  • The Customer is advised to be prudent in downloading content through blue-tooth and ensure that proper anti-virus software is used from time to time to remove malware residing in the hand-set.


The Bank, when acting in good faith, shall be absolved of any liability in case:

  • The Bank is unable to receive or execute any of the requests from the Customer or there is loss of information during processing or transmission or any unauthorized access by any other person or breach of confidentiality due to reasons beyond the control of the Bank
  • There is any kind of loss, direct or indirect, incurred by the Customer or any other person due to any failure or lapse in the facility which are beyond the control of the Bank.
  • There is any failure or delay in transmitting of information or there is any error or inaccuracy of information or any other consequence arising from any cause beyond the control of the Bank which may include technology failure, mechanical breakdown, power disruption, etc.
  • There is any lapse or failure on the part of the service providers or any third party affecting the said facility and that the Bank makes no warranty as to the quality of the service provided by any such service provider. The Bank, its employees, agent or contractors, shall not be liable for and in respect of any loss or damage whether direct, indirect or consequential, including but not limited to loss of revenue, profit, business, contracts, anticipated savings or goodwill, loss of use or value of any equipment including software, whether foreseeable or not, suffered by the Customer or any person howsoever arising from or relating to any delay, interruption, suspension, resolution or error of the Bank in receiving and processing the request and in formulating and returning responses or any failure, delay, interruption, suspension, restriction, or error in transmission of any information or message to and from the telecommunication equipment of the Customer and the network of any service provider and the Bank's system or any breakdown, interruption, suspension or failure of the telecommunication equipment of the Customer, the Bank's system or the network of any service
  • provider and/or any third party who provides such services as is necessary to provide the facility.
  • The Bank will not be responsible if Bank’s mobile banking application is not compatible with/ does not work on the mobile handset of the Customer.


In consideration of the Bank providing the facility, the Customer agrees to indemnify and hold the Bank harmless against all actions, claims, demands proceedings, loss, damages, costs, charges and expenses which the Bank may at any time incur, sustain, suffer or be put to as a consequence of or arising out of or in connection with any services provided to the Customer pursuant hereto. The Customer shall indemnify the Bank for unauthorized access by any third party to any information/instructions/triggers given by the Customer or breach of confidentiality.

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