Frequently Asked Questions (FAQs)

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Baroda M-Connect Plus
  • Baroda M-Connect Plus
  • Baroda M CLIP Mobile Wallet
  • BHIM Baroda Pay
  • BOB Billpay
  • What is the name of the new app?

    Name of the new app is ‘M-Connect Plus’.

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  • I have already installed Old app (M-Connect) on my phone. Can I install the new app (M-Connect plus)?

    Yes, first Register yourself for M-Connect+ and then download the new app on your phone.

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  • Is the new app available for all types of mobile phones?

    No, it is currently available only for android and iPhones. It will be available shortly on Windows platforms.

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  • From where can I register for the new app?

    From your internet banking login or from your base branch (Refer ‘How to register & activate’ section on the mobile banking home page on our Bank’s website)

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  • I am getting the error: ‘Your mobile number is not registered’

    This notification appears because you have not registered for M-Connect Plus. Please register through Net banking/base branch, you will receive mPIN immediately.

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  • I am getting the error: ‘Generic failure’

    Generic failure message is shown because, your application is trying to send an SMS for the server for security reasons, but SMS is not going out from the registered mobile number.

    Please ensure the following two things to avoid the generic failure.

    • Please keep your registered mobile number in SIM slot 1 or if you have kept your registered mobile number in SIM slot 2, then please set the default SIM for outgoing SMS as SIM 2.
    • Please check if you have sufficient top-up balance (up to Rs. 1.5) in your registered mobile number.

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  • What is a Baroda M CLIP wallet mobile account

    The Baroda M CLIP wallet mobile account is a payment account accessible from your android smartphone that enables you to make payments directly from your phone. This service offered by Bank Of Baroda in partnership with Wibmo, enables convenient and simple payments at e-commerce, m-commerce, and all participating merchants. You can also send money to other Baroda M CLIP wallet users. By signing-up to this service, you can pay securely from Baroda M CLIP wallet Mobile Money Account (MMA) using your phone.

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  • Can I use the Baroda M CLIP wallet account when I am traveling abroad?

    The Baroda M CLIP wallet Mobile Account has been currently enabled for use only in India. You can certainly use Baroda M CLIP wallet with these merchants from anywhere in the world.

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  • Does money in my Baroda M CLIP Mobile Money Account accrue interest?

    No. Baroda M CLIP MMA is classified as a prepaid account and hence, does not accrue interest on the funds stored in the account.

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  • How can I send and receive money using Baroda M CLIP wallet account?

    Baroda M CLIP wallet enables you to load, send money to an email address or a phone number.

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  • How can I add funds into the mobile account and when will the funds be available in the mobile account?

    You can add funds into the Baroda M CLIP wallet mobile account using the Add Money function and use any Indian Bank-issued credit, debit or prepaid card or Baroda Net Banking as the source of funds.

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  • For adding money, can I have more than one card linked to the Baroda M CLIP wallet?

    Yes, you can link multiple cards to Baroda M CLIP wallet. These cards can be used for adding money to the Baroda M CLIP wallet account.

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  • How do I send money to people? Do they need Baroda M CLIP wallet too?

    You can simply send money to a person’s e-mail ID or mobile number. However, in order to claim the received amount, the recipient should sign-up for Baroda M CLIP wallet services. On registration, funds will directly be moved to the recipient’s MMA and the recipient will be able to use all Baroda M CLIP wallet services from the phone.

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  • What is Unified Payment Interface

    UPI is a payment system that allows you to transfer money between any two parties. Now, these two parties can be two banks, one bank & some company (Uber, Ola, etc.) or between two companies.

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  • Is it mandatory to have an account with Bank of Baroda to use Baroda MPAY App?

    No, a person who does not have an account with Bank of Baroda can also use this application. However, the user must have an account with a UPI-enabled Bank.

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  • What is a Virtual Payment Address (VPA)?

    ‘Virtual Payment Address’ means a unique payment identifier issued by a PSP (Application provider) to a payer or a receiver that, among other things, can be used to identify, debit or credit a bank account. VPA contain PSP handler for example sachin@barodampay. There is no need to share your account or debit card credentials to receive payments by using VPA. Each VPA has to be linked with a bank account.

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  • How many VPAs can be created against one bank account?

    You can create multiple VPAs for one bank account through the option ‘Add Bank Account’. However, this can be modified through the option ‘Manage Accounts’.

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  • How can I transfer funds to any Bank Account?

    This can be done via IMPS with 5 options:

    • Account number + IFSC
    • Mobile number + MMID
    • Virtual ID
    • Aadhaar number
    • Aadhaar number + IIN (Issuer Identification Number)

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  • What is MMID?

    Mobile Money Identifier (MMID) is a seven-digit random number issued by the bank upon registration. Remitter (customer who wants to send money) and beneficiary (customer who wants to receive the money) should have this MMID for doing this interbank funds transfer.

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  • What are the limits for fund transfer?
    Max amount per transaction Max amount per day
    Rs. 25,000 Rs. 50,000

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  • How does the customer benefit from the BOB Billpay service?
    • The customer can receive all the bills electronically and also schedule payment of these bills electronically, eliminating the need to issue cheques and stand in queues.
    • The payments can be made from any existing bank account. No new accounts need to be opened. The choice of the bank account for payment of each bill can be made at the last minute depending on the balance funds in each account.
    • An 'Autopay' option can be used to schedule payment of a particular bill on a fixed day of every month from a pre-decided bank account.
    • The customer can analyse their total expenses in the form of bill payments through charts and easy to use tools.

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  • What are the timings for using BOB Billpay services?

    Bill Payment can be made 24-hrs a day through a computer from the comfort of the home, office or a cyber cafe.

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  • How to register for BOB Billpay Services?

    The one-time registration formalities can be completed by:

    • Logging on towww.Bob Billpay.com and filling the online registration form.
    • Confirming the user ID and password by replying to the email sent by BOB Billpay.
    • Signing the registration form and the payment authorisation form sent by BOB Billpay.
    • Attaching a photocopy of a cheque or a cancelled cheque from the bank account specified.

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  • How to manage billers?

    The customer can choose the billers from whom he/she would like to receive the bills electronically by providing the account details. From the next billing cycle, the customer will receive bills electronically from the chosen billers, which can then be paid from any of the bank accounts of the customer registered with BOB Billpay. The customers can also modify the account details of the billers already added or delete them at any time.

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  • How to manage the bank account?

    The customer can add more bank accounts at any time by providing the account details such as account number, MICR code, etc. For each bank account added, the customer will have to provide a payment authorisation form verified by the customer's bank and a photocopy of a cheque or a cancelled cheque from that account. The customer can verify the payment authorisation form directly or the customer can request BOB Billpay to assist. The completed form needs to be either mailed to BOB Billpay or deposited at the nearest BOB branch for onward delivery to IndiaIdeas. The customer can delete the existing bank accounts at any time.

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  • Is BOB Billpay service secure?
    • The customer is ensured of the highest standards of security through a 128-bit encryption (which is the maximum possible over the internet).
    • BOB Billpay has obtained a certification from VeriSign Inc, the world's largest provider for internet trust services.
    • Meanwhile, it is recommended that the user keep the user name and password confidential.

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  • Do I need to have an account with Bank of Baroda?

    Not necessary, you are required to have an account with any of the banks in Mumbai.

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  • Will I still receive my physical bills?

    Yes, you will continue to get physical bills apart from the bills presented electronically at BobBillpay.com

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  • After registering to BOB Billpay, can I pay bill on the counter?

    Yes, even after registering to BOB Billpay, you can pay bills on the counter also.

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  • Can I add/drop a biller?

    Whenever a new biller is added, customer will be informed through mails. At any point in time, customer may add/drop any biller.

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