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.
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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.
It is instant, secure & convenient.
Bank of Baroda presents bob World UPI - A Unified Payments Interface (UPI) application that lets you transfer funds from any bank account using a Virtual Payment Address (VPA). No need to remember beneficiary details like account number, IFSC, Mobile Number, MMID etc. Send or Collect money using a Virtual Payment Address.
*For P2P/P2PM/P2M (non-verified offline), the transaction limit is Rs 2000/- for Collect Request initiated via both “Share intent link & pay” and “QR Share & Pay”
**Specific MCC categories eligible for transaction limit of Rs 2.00 lakhs
Key factor/troubleshooting of bob World UPI (Unified Payment Interface)
About Your Security PINs:
As reported, you must use two PINs i.e., Login PIN and UPI PIN (transaction password). You will have to compulsorily set the login PIN, when you register.
While changing the password and while subsequently using it, please note that:
Please note that your password(s) are of utmost importance in UPI. It is the only way to identify you, by the system. Therefore, its security is very crucial, and we advise you as under:
You must tell us without delay If:
Your mobile is stolen, and you suspect that someone else has used or tried to use them without your authorization; or you become aware of any incorrectly executed instructions or any unauthorized transaction on your Account(s)
By: Contact the customer care centre at 18005700 or write email@example.com to for any information regarding the bob World UPI, UPI Mobile App services.
Easy, Convenient, Hassle-free collection channel for Merchants
Three Types of Merchants in UPI i.e.
Customized Solution to Corporate Merchants
Merchant Discount Rate (MDR) is nil
User friendly Merchant Portal for downloading real time MIS/report for ease of reconciliation and transaction status.
BANK of Baroda is at the forefront of adoption of the next-generation payments system Unified Payments Interface (UPI), a simplified and robust payments system being operated by National Payments Corporation of India (NPCI). Leveraging capabilities of the UPI platform like Phone-linked payments, any-bank account debit and 1-click 2 factor authentication – to deliver a superior user experience to customers. We aim to be have the widest range of offerings in the digital payments space by covering multiple use cases either directly via our own branded offering or via strategic partnerships with industry leaders, start-up forums, start-ups etc. to emerge as a thought and business leader in the Indian payments space leveraging the capabilities provided by UPI and move towards the era of a ‘less-cash’ India.
This document lays out the “Terms and Conditions”, which shall be applicable to all transactions initiated by the Customer/User vide the Unified Payment Interface, as defined herein below, through Bank of Baroda Limited, for the purpose of transfer of funds.
Before usage of the “Unified Payment Interface”, all Customer/User(s) are advised to carefully read and understand these Terms and Conditions. Usage of the Unified Payment Interface by the Customer/User(s) shall be construed as deemed acceptance of these Terms and Conditions, mentioned herein below.
Definitions: The following words and expressions shall have the corresponding meanings wherever appropriate.
Payers Account and a corresponding credit to the Receivers Account.
By using bob World UPI, the Customer/User thereby agrees to these Terms and Conditions, which form the contract between the Customer/User and Bank. bob World UPI 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/User and/or the respective product or the service provided by the Bank unless otherwise specifically stated.
The following Business rules will apply to the facility being offered by the Bank:
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.
The Bank, when acting in good faith, shall be absolved of any liability in case:
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.
These terms & Conditions are subject to periodic updating. The User understands that Bank of Baroda may amend the above terms and conditions at any time without any notice or assigning any reason whatsoever and such amended Terms and Conditions will thereupon Apply to and be binding on the User and same will be published in our website i.e.,http://www.bankofbaroda.in
BHIM Baroda Pay
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Frequently Asked Questions (FAQs)
Unified payment Interface (UPI) is a payment system developed by National Payment Corporation of India (NPCI). It is a platform where customer can fetch and place all his accounts maintained with different banks and transact through these accounts. UPI allows you to transfer money between any two parties via smart phone through a payment identifier like virtual payment address or Account number + IFSC.
UPI is providing additional benefits to existing mechanisms in the following ways:
UPI is an initiative of National Payments Corporation of India (NPCI).
NPCI is the National Payments Corporation of India. They run a lot of the payments infrastructure in India, including issuing RuPay Cards and making sure you can withdraw money from any ATM irrespective of the bank.
Presently, BHIM Baroda Pay application supports Android Mobile and iOS platform phones.
No, presently UPI applications are available only through mobile application and is not accessible from your computer.
Yes, you need a basic mobile internet/GPRS to download these applications. You will need to have an active mobile Internet service to be able to use these applications and its features.
BHIM Baroda Pay UPI can be downloaded for free. The Mobile App uses mobile internet data and messaging that will incur charges based on your telecom providers data and messaging plan.
Yes, you need to register on UPI and link your bank accounts before performing transactions.
No, A person who is having an account eligible for UPI Applications with any Bank, can use any of these UPI applications. However, the user must have an account with a UPI enabled Bank, updated list of which are available on NPCI website.
BHIM Baroda Pay has been enabled for use in India as well as aboard/overseas (roaming facility on same number will be enabled).
All Banks have their own mobile banking App. When a user has accounts in multiple Banks, he/she has to download the Mobile Banking Application of all those banks. Whereas in UPI, any Bank Customer may download and use the UPI App of any Bank live with UPI. Hence, a user may transact from any Bank account on one platform that is UPI. Easy self-registration by downloading application from Play Store/App store.
The service is instant and available 24X7, even on public/bank holidays. Also, there is no pre-registration required for the beneficiary.
Yes, you can have multiple UPI Apps of different Bank with same mobile number registered with respective bank accounts.
Note: Kindly ensure sufficient balance in your number for deducting SMS charges for mobile verification.
You can set Login PIN of your choice in the below format Bank of Baroda - 4-character Login PIN.
After successful registration with UPI, click on Add Bank Account. Choose your bank from the list in which this mobile number is updated. Application will fetch the eligible account number link with the same mobile number.
UPI PIN is a second factor authentication i.e., 4 Digit transaction PIN which is required to authorize financial and non-financial transactions. Debit Card is mandatory for Setting UPI PIN.UPI PIN can be set by entering last 6 six digits of debit card and expiry date along with OTP delivered to your registered mobile number from issuer bank. You can use Change PIN option to change the PIN required for transactions. Bank of Baroda-4 Digit UPI PIN (All Link Account number will have Same UPI PIN).
Using the active debit card, you can set the UPI PIN only for the account linked to the card. In case of card is not linked to account, please contact your branch.
You can add below numbers of eligible accounts in your profile. You can click on plus, under UPI Accounts or go to Manage Accounts and proceed for adding Bank accounts.
Virtual Payment Address is created for your bank account which acts as a unique identifier to be used for performing the transactions. To send money, you just need to enter the virtual address of the beneficiary. The beneficiary need not to share account details as only VPA is required for transaction. There will be different VPA handler for the different Bank like -
For Bank of Baroda handler is - @barodapay and @barodampay
You can create maximum 3+1 Virtual Payment Addresses. The created VPA must be linked with one account to receive payments. The Payment will be received on Default account number set for respective VPA
You can link multiple Bank Accounts with one Virtual Payment Address. However, you have to set one default Bank Account for that Virtual Payment Address.
You can either link both accounts to a single VPA or you can assign a separate VPA for each account. In the former, please ensure you have appropriately chosen which account you would like to use as the default account to get credit.
It might be the case that your mobile number is mistakenly registered against the account number in question. Please contact the respective bank whose account is visible.
UPI PIN will be block permanently. You have to regenerate New UPI-PIN by using your debit card credential along with OTP sent by issuer bank.
You have to select SET/RESET UPI PIN option through UPI Application and require to put your last 6 six digits of debit card and expiry date along with OTP password which will be sent on registered mobile number from issuer bank.
In this case, click on forgot Login PIN, option is available on the login page. Now, on the next screen you will be asked to enter:
Question and answers which was set at the time of registration.
Now, after Answer and question, App will prompt to set New 4 digits Login PIN.
Mobile Money Identifier (MMID) is a seven digits 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 these interbank funds transfer.
No, once the payment is initiated, it cannot be stopped.
No, registration of Beneficiary is not required for transferring funds through UPI as the fund would be transferred on the basis of Virtual ID/Account + IFSC/Mobile Number+MMID. However, Application will ask user to create beneficiary list for future payments. List of Beneficiary (Add/delete) can be managed through Contact Management option available in application.
No, customer cannot link a wallet to UPI, only bank accounts can be added.
In case of Virtual ID transaction & QR Code, the beneficiary needs to have a Virtual ID and in turn be registered with UPI but in case of Account + IFSC the beneficiary need not be registered for UPI
You can receive/collect payment through Virtual Payment Address and by generating Static/Dynamic QR code through application.
You will receive SMS & notification for the collect request from Payer PSP
Yes, you can set the expiry time. You can set an expiry time from 30 minutes to 45 days, from the date of initiation of the transaction.
The transaction limit for first time UPI user is up to Rs. 5,000.
When you shop-online, you can pay through BHIM Baroda Pay UPI when you see UPI as a payment option. On clicking that, you will need to enter your Payment Address (e.g., imgm@barodapay). Once entered you will receive a collect request on your BHIM Baroda Pay UPI. Enter your UPI PIN here and your payment will be complete.
Currently, there are no charges for using services of these UPI Applications.
As facility is based on IMPS the funds should be credited into the beneficiary account immediately. In case transaction status showing pending/deemed the amount will be settled on T+1 working day by beneficiary bank to customer's account.
The remitting bank sends a confirmation SMS of Success/Failure to customer about the transaction initiated by you.
The beneficiary bank sends a confirmation SMS of Success to the beneficiary customer informing him/her of the credit in the account. In our application you can view recent transaction & transaction history.
You can use the funds immediately on receipt of credit in the account. The funds received through UPI are good funds and can be used immediately upon credit.
No, currently, you will not be able to link NRE/NRO Accounts under UPI.
You can see 20 transactions your past transactions under 'Transaction History' available in the Application. You can also explore by using advance search option i.e., search by date and amount for last one month transaction.
You can go to the option de-register in the App itself by entering security answer. However, once de-registered you cannot register with same virtual ID for 2 years. You need to proceed with fresh registration, if once de-registered.
The appearance of these UPI applications may differ slightly on different phones; however, its functions and operations will remain the same, irrespective of the mobile handset being used.
You need to recheck all the beneficiary details while making any transaction. In case, if any such error occurs, you can raise complaint from the Application itself through the option complaints and contact to base branch to get Indemnity letter. Also, please read terms and conditions section of the application.
In case of failed transaction, amount will be refunded to the account generally within 3 working days..
You need to recheck all the beneficiary details while making any transaction. In case of failed transactions of Recharge money will be re-funded to account generally on T+1 basis (T is date of transaction) and for Bill payment T+5 basis (T is date of transaction).
Yes, in case for any reason, technical or business, the UPI transaction is not completed the reversal of the remittance funds will happen immediately. In case if such a transaction becomes a subject to reconciliation wherein the fate of transaction is not determined immediately, the reversal of funds will happen generally in 3 working days.
Deemed refers to time out transaction. Which means it will be either credited to beneficiary customer on a +1(transaction date + 1) working day basis or will be reversed to your account on a +2 (transaction date + 2) working days basis.
You can go to the option Transaction History and can log a complaint for any transaction from the App itself. Once you have raised a complaint, you can check the status of your complaint with the option Dispute Management.
UPI Applications equipped with security features (Login Pin & UPI PIN) which allows you to protect your app from misuse. Also, please ensure you select a PIN that is strong enough which is known only to you and do not note down or share your passwords. It is also good practice to change your passwords periodically. We also suggest you keep your Login Pin and UPI PIN different to minimize misuse of you UPI App. Further, please make sure you have successfully logged out your application after using it to minimize unauthorized access.
Nothing is stored on the mobile phone. We encrypt personal information using industry-leading encryption technology.
In case of change in UPI app version/Handset/SIM, you need to re-register with the same process of mobile number verification along with verification of your account by validating UPI-PIN and no need to create new/change virtual address.
After entering incorrect UPI-PIN multiple times forgot UPI PIN option will be enable you can regenerate UPI PIN by using debit card Credential followed OTP.
Unified Payment Interface is highly secured as it works on two factor authentication (2FA), one being registered Mobile Number and second being UPI PIN incorporated with dedicated NPCI secured library.
In such a scenario, do not worry. The UPI app authenticates your identity through mobile number. In case of theft, get your mobile number blocked through your service provider. In addition, PIN would be required both for logging into the application and authorizing transaction. So, the possibility of security breach is minimized. As a practice, never disclose your PIN to anyone.
This option is available for BHIM Baroda Pay application users who can register themselves as a Merchant
No, users cannot rollback once they have declared themselves as Merchant.
Currently, there are no charges for collection.
Through Initiating Collect Request:
Through Generating Dynamic/Static QR code:
This is to inform you that by clicking on continue, you will be leaving our website and entering the website/Microsite operated by Insurance tie up partner. This link is provided on our Bank’s website for customer convenience and Bank of Baroda does not own or control of this website, and is not responsible for its contents. The Website/Microsite is fully owned & Maintained by Insurance tie up partner.
Proceed to the website
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