Bank announces Financial Results for quarter ended, 30th September 2023.
Bank of Baroda (UK) Ltd announces its intention to wind down and close its UK retail banking activities
Visit our website https://www.bankofbarodauk.com/ for any further information.
NOTIFICATION DATED 27.06.2023 FOR SALE / ASSIGNMENT OF FINANCIAL ASSET (NPA) to ARCs (E-AUCTION ON 14.07.2023)
As per revised RBI directives all our Locker-holders are requested to visit Bank of Baroda, Base Branch.
With Bank Of Baroda personal loan, you get lowest interest rates, instant approval with minimal documentation. Checkout Bank of Baroda personal loan interest rates & eligibility. Apply now!
Apply for Bank of Baroda Home Loan online at the lowest interest rates. Checkout our home loan eligibility, interest rates, documentation. Get instant home loan approval. Apply now!
Car Loan: Apply for auto loan online by Bank of Baroda at an attractive interest rates & easy EMI option. Upto 90% financing on on-road price. Buy your dream car today!
Why should finance come in the way of future? Getting an education loan is an easy way to finance your dreams. A student loan can help you get into the university of your choice. Bank of Baroda is here to finance your dreams, education & career goals.
The easiest way to save for you, for your loved ones, and for your future. A savings account gives you the liberty to choose according to your needs and additionally give you benefits for all your transactions. With a gamut of savings account features on the table, Bank of Baroda is here to make your banking simple and easy!
Open Current Account online at Bank of Baroda to meet all your banking needs. Go to our website to learn more about the different types of current accounts we offer and apply now!
Bank of Baroda deposit plans offer convenient solutions to both working individuals as well as senior citizens. These deposits are categorised into deposits with a term period of less than 12 months, more than 12 months and recurring deposits.
An account for all. B3 Silver Account comes with maximum savings and zero Quarterly Average Balance (QAB). Also, make the most of coins and annual offers from Loyalty Rewardz to fulfill yearlong subscriptions and shopping.
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Bank of Baroda focuses on its employees, offering a career rather than just a job. Various initiatives are in place to groom employees throughout their life cycle. A comprehensive talent management system to groom future leaders of the bank.
Bank of Baroda offers various types of personal banking cards such as Credit, Debit, Prepaid, Business & Travel Cards. Choose the one best suited card for your needs.
A credit card is a financial instrument supplied by banks with a pre-set credit limit for online and offline shopping. You may be eligible for a credit card based on your credit score, history, income, and other bank guidelines. Apply for a credit card at BOB Financial site.
In other words, a credit card is your convenient, anytime money that you must repay only after 50 days because there is no interest until then.
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In 3 simple steps:
You can also visit any of your nearest Bank of Baroda branches.
Use your Bank of Baroda credit card for:
Not only that, but you may convert purchases of more than Rs. 2500 on your card into cheap EMIs ranging from 6 to 36 months.
Visit our website at www.bobfinancial.com to check your eligibility and apply for your Bank of Baroda credit card.
In short, it doesn’t just give you instant credit; it enables you to step up to the dream life you’ve always wanted and delights by adding to your savings too!
Credit Cards are broadly classified as follows -
For details on Bank of Baroda Credit Cards – visit BOB Financial site
Usually, banks offer 1 credit card to every customer, few banks also offer multiple credit cards to the same customer. For ex: Retail Card for personal use and Business or Corporate Credit Card for official expenses.
Payments by credit cards are not permitted for P2P transactions. However, credit card loans are available.
Of course, yes. Please keep in mind that you must first enable your Bank of Baroda credit card for foreign transactions.
No. Certain credit card transactions are not permitted, and one of them is the transfer of funds to a bank account.
In case of any theft, unauthorized transaction or fear of fraudulent use on your card, you can permanently block your card using any of the options -
1. SMS BLOCK XXXX to 9223172141 from your registered mobile number (XXXX is the last 4 digits of your card)
2. Log in to the Bank of Baroda Credit Card customer portal or mobile app -> Go to Menu & Select the 'Card Block' option and immediately block your card following the screen instructions.
Every card comes with a sub-limit for cash withdrawals, you can use your card up to that amount for cash withdrawal at the ATM using your credit card. You can confirm your cash limit by calling customer service number printed on your credit card.
Every card has a cash withdrawal sub-limit. You can use your credit card to withdraw cash from an ATM up to that amount. Call the customer support number on the back of your credit card to confirm your cash limit.
You can call the customer support number on your credit card to see if you are qualified for a higher limit or to learn how to request one.
The bank determines the credit card limit based on one's income, existing debts, and performance on past repayments (if any).
The Bank is issuing different types of debit cards in coordination with Visa, MasterCard and RuPay. To know the details of different card variants being issued by the Bank, please refer to Digital Products >> Cards section on our Bank’s website https://www.bankofbaroda.in/personal-banking/digital-products/cards
Yes, Rs. 200 + tax is charged for replacement of damaged card/lost card.
A maximum of 9 accounts held in the same name and same capacity can be linked to a debit card. Please submit a request for linking multiple accounts on your debit card to your base branch.
Steps to be followed:
SMS of blocked Debit card will be sent at your registered mobile number.
Request for blocking of debit card can be submitted by visiting any nearest Bank of Baroda Branch.
The Accidental Death and Total Disability cover is provided by NPCI. Below are the variants that are eligible for the same:
Sum Insured for Insurance - RuPay PMJDY
The Sum insured is Rs.1 lacs for RuPay cardholders of Old * PMJDY Cards and Rs.2 lac for RuPay Cardholders of New ** PMJDY Cards
Sum Insured for Insurance - RuPay Platinum - 2 lacs
Sum Insured for Insurance - RuPay Platinum - 10 lacs
For more details on RuPay Insurance Program, please contact your nearest Bank of Baroda branch.
Automated Teller Machine is a computerised machine that provides the Bank’s customers the facility of accessing their accounts for dispensing cash and to carry out other financial transactions without the need of actually visiting a bank branch.
The ATM cards/debit cards, credit cards and prepaid cards (that permit cash withdrawal) can be used at ATMs for various transactions.
The cards issued by Banks in India are enabled for use at any bank ATM within India.
For transacting at an ATM, the customer must insert (swipe) their card in the ATM and enter their Personal Identification Number (PIN).
The services offered may vary from bank to bank, or may depend on the capacity of the machine to provide such services.
PIN is the numeric password for use at the ATM. The PIN is separately mailed/handed over to the customer by the Bank while issuing the card. This PIN has to be reset to a new PIN by the customer. Most Banks force the customers to change the PIN on the first use.
The PIN should not be written on the card, card-holder etc., as in such cases the card can be misused. if it’s lost/stolen.
The customer may contact the card-issuing bank branch and apply for retrieval/issuance of a new card. This procedure is applicable even if the card is sucked in at another bank’s ATM.
The customer may contact the card-issuing bank immediately on noticing the loss to enable the bank to block such cards.
Yes. Banks set the limit for cash withdrawal made by customers. The cash withdrawal limit for use at the ATM of the issuing Bank is set by the Bank during the issuance of the card. This limit is displayed at the respective ATM locations and also in the user guide provided to the customer.
For cash withdrawal at other bank ATMs, Banks have decided to maintain a limit of Rs. 25,000 per transaction. This information is displayed at the ATM location.
No charges are payable for using other Banks’ ATM for cash withdrawal and balance enquiry, as RBI has made it free under its ‘Free ATM access policy’ since 01/04/2009. But banks can restrict the number of such free transactions to a maximum of five per month. For transactions beyond this minimum number of transaction, Banks charge maximum of Rs. 20 per transaction.
The customer may lodge a complaint with the card issuing Bank. This process is applicable even if the transaction was carried out at another Bank’s ATM.
As per the RBI instructions, Banks may re-credit such wrongly debited amounts within a maximum period of 12 working days.
Yes. Effective from 17/07/2009, Banks shall have to pay customers Rs. 100 per day for delays beyond 12 working days. This shall have to be credited to the account of the customer without any claim being made by the customer.
For all such complaints customer may lodge a complaint with the local Banking Ombudsman, if the Bank does not respond.
After receiving funds from the purchaser, the card will be activated within 24 hours. Thereafter, the card can be used at any merchant location or internet for shopping.
Baroda Gift Card can be used at any VISA-certified merchant establishment in India. However, it cannot be used to withdraw cash as per the current guidelines of Reserve Bank of India.
Usage of the card at merchant location (Point of Sale) is free of charge.
You can enquire balance available on your gift card by using the Bank’s internet portal https://bobprepaid.enstage.com/prepaid/cms/customer/index.jsp and/or calling our 24-hour customer care toll-free number 1800 102 5627 by giving card number and identification.
You are required to sign on the charge slip (produced by the Electronic Data Capture machine at the time of purchase) to complete a transaction at the merchant outlet. The merchant has to match this signature with the signature available on the reverse of the card. Transactions at merchant outlets are thus protected by the user's signature. We recommend that on receipt of the Gift Card please ensure to sign on the signature panel immediately.
As soon as you know that the card is misplaced or lost, you must immediately report the loss of the card to our customer care toll-free number 1800 102 5627. Our team would immediately hotlist the card after ascertaining your identity and prevent any further usage.
Baroda Gift Card is a magnetic stripe pre-loaded card accredited by VISA. It is an elegant way of gifting to your near or dear ones who in turn can use the same at merchant outlets/internet to purchase items of their choice. Thus, it allows freedom and choice of purchase to the person receiving the gift. It can be used for any occasion including Diwali, Holi, New Year, Rakhi, Birthday, Marriage, etc.
Baroda Gift Card is a single load card. Top-up is not permitted as per current Reserve Bank of India guideline..
No, transfer of funds from one Gift Card to another is not allowed..
Bank of Baroda Gift Card is offered in a sealed welcome kit which contains a Gift Card, PIN mailer and user guide. We recommend the purchaser ensure that a sealed cover is delivered to them.